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Reply to "Insurance and liability considerations if caregiver drives your car"
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[quote=Anonymous]She absolutely needs to be on your policy. When I was recently in an accident, one of the first things my insurer asked was whether I was working at the time of the accident. (I'm a parent, not a nanny, and wasn't, so our personal insurance covered it.) If you don't add her and they can prove that she regularly used the car or was driving for work, she's not covered as an incidental driver, and that's not a mess you want to be in.[/quote]
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