Reply to Nanny car accident in our car

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[quote=Anonymous]I'm an MB.  I do think that you accept the primary liability if you're asking her to drive your vehicle (and hopefully have put her on your insurance.)

I would appreciate her offering to pay for some portion of the costs, but I don't think I'd be ok having her pay all of it - it just seems like our responsibility at the macro level.  Given that it isn't the first time she has cost you money from damaging a car however, and this one involved another party and she was at fault, I think an adjustment to the contract is in order (that requires her to be liable for damanges, perhaps addresses concerns about insurance rates rising, etc...)

Happily it sounds like this was a fairly minor incident.  Maybe you could send her to a safe driving class?

Back to the main point though - if you choose not to file w/ your insurance company but to pay out of pocket, that is your decision.  If I were in your shoes and for whatever reason were going to allow the nanny to pay something I would cap it at half of the deductible you'd be liable for if you went through insurance.  Thereby splitting the cost but not making her pay for your decision about out of pocket or covered costs.[/quote]

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