Reply to Hit by Nanny driving MB's car... should I sue?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Why would it matter at all whos car it was. This isn't like someone driving a Verizon truck. The nanny does not represent the MB. Unfortunately you will have to sue the nanny and she surely won't have any money.[/quote]

Insurance pays, not the person.  Nanny was driving MB's car, so if Nanny was included in MB's insurance and didn't have her own insurance, only MB's insurance gets hit, and rates go up.  If Nanny is on MB's insurance and has her own, her insurance takes the first hit, but both policies will go up.  If she wasn't on MB's insurance, that's when it gets dicey, especially if she doesn't have a vehicle of her own, so doesn't have her own insurance.[/quote]

You don't ensure a car for things the car does. Nanny is at fault and should pay the medical bills, if she has insurance to cover that so be it. But MB having insurance on her car means it will be repaired, but just because she has insurance doesn't mean that they will pay the medical bills of some other person that an uninsured driver hit.

The way OP wrote things was that she wanted to sue MB ( presumably because she has more money) simple because she owned the car. [/quote]

Actually, your insurance does cover what your car does, not just damage to your car. Especially in situations of  authorized employer/employee relationships and continuous use of the car. [/quote]

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