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[quote=Anonymous]We added our nanny to our insurance. If the worst-case liability scenario happens and your nanny is in a wreck and badly injures or kills someone while on the clock, the other people's insurance are going to go after the deepest pockets: you. So insurance is no reason to ask her to use her own car.

I like having a nanny car because I control the car. I decide about the safety features I want, about the maintenance schedule, about the rules for use, and I don't have to pay mileage reimbursement. And, if my kids break something or mess something up in my car, I get to decide whether to fix it or live with it. If that happens in your nanny's personal vehicle, you just get to write a check.

FYI: If your nanny is driving and gets in an accident, her personal insurance will kick in first, then yours. Your insurance may tell you she doesn't need to be on the policy. Press them on that; it turned out that once I told them she was driving the vehicle daily, she did need to be on it.[/quote]

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