Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Since someone asked for an update, my insurance company confirmed that the policy follows the car, not the driver. I also got a message today from their insurance provider (I'll call back after work), so presumably MB has already been told this by her insurance co.

I asked for the update. I am interested to know what her insurance company says. My employers have a $10,000 deductible, seriously. Obviously that is their choice, but not something I am willing to take responsibility for. Now you know to discuss this during the hiring process. I haven't discussed it either, but will in the future. Keep us posted!

I make it clear during hiring that I don't drive a vehicle until I see proof that I'm a covered driver. I also make sure that the contract stipulates that I drive their car for their convenience, not mine, so I am only responsible for the deductible if I purposefully caused damage.

What is your limit on the deductible? They range from $200-$10,000.

If I purposefully covered damage (wouldn't happen), insurance won't cover and I'm responsible for the full amount; willful damage or destruction of employer's property is also grounds for immediate termination for cause. Any other situation and I'm not responsible for paying anything.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Since someone asked for an update, my insurance company confirmed that the policy follows the car, not the driver. I also got a message today from their insurance provider (I'll call back after work), so presumably MB has already been told this by her insurance co.

I asked for the update. I am interested to know what her insurance company says. My employers have a $10,000 deductible, seriously. Obviously that is their choice, but not something I am willing to take responsibility for. Now you know to discuss this during the hiring process. I haven't discussed it either, but will in the future. Keep us posted!

I make it clear during hiring that I don't drive a vehicle until I see proof that I'm a covered driver. I also make sure that the contract stipulates that I drive their car for their convenience, not mine, so I am only responsible for the deductible if I purposefully caused damage.

What is your limit on the deductible? They range from $200-$10,000.

Anonymous wrote:

Anonymous wrote:Since someone asked for an update, my insurance company confirmed that the policy follows the car, not the driver. I also got a message today from their insurance provider (I'll call back after work), so presumably MB has already been told this by her insurance co.

I asked for the update. I am interested to know what her insurance company says. My employers have a $10,000 deductible, seriously. Obviously that is their choice, but not something I am willing to take responsibility for. Now you know to discuss this during the hiring process. I haven't discussed it either, but will in the future. Keep us posted!

I make it clear during hiring that I don't drive a vehicle until I see proof that I'm a covered driver. I also make sure that the contract stipulates that I drive their car for their convenience, not mine, so I am only responsible for the deductible if I purposefully caused damage.

Anonymous wrote:Since someone asked for an update, my insurance company confirmed that the policy follows the car, not the driver. I also got a message today from their insurance provider (I'll call back after work), so presumably MB has already been told this by her insurance co.

I asked for the update. I am interested to know what her insurance company says. My employers have a $10,000 deductible, seriously. Obviously that is their choice, but not something I am willing to take responsibility for. Now you know to discuss this during the hiring process. I haven't discussed it either, but will in the future. Keep us posted!

Since someone asked for an update, my insurance company confirmed that the policy follows the car, not the driver. I also got a message today from their insurance provider (I'll call back after work), so presumably MB has already been told this by her insurance co.

They need to go thru their insurance. That's what it's for. Your insurance covers your car. Insurance doesn't cover any items that don't belong to you; hence the reason renters need their own renters insurance and the landlords building insurance doesn't cover a renters property. This is on them to figure out, not you. Don't drive their car anymore either.

Anonymous wrote:Uhhhhhh no it's their car and you were driving it for their benefit at work. It goes through their insurance!!!

+1. Our nanny is on our insurance. What if you got into a real accident with another car? They would just hope your insurance covered?

Anonymous wrote:If it's for your NCS certification, they only verify a few random people on your list. Seriously, only called 3 out 15 on average! Also, the ncsa only verify hours, they do not ask questions about your performance. And blackmailing you for a reference is just shitty!

And illegal to not berify employment. I'm so curious to see how this plays out. OP, talk to your insurance company and please keep us posted. I absolutely do not feel that this is your responsibility.

If it's for your NCS certification, they only verify a few random people on your list. Seriously, only called 3 out 15 on average! Also, the ncsa only verify hours, they do not ask questions about your performance. And blackmailing you for a reference is just shitty!

If you're talking about nanny certification snf needing these hours, that certification is BS. What certification can you get from being a nanny??

Their insurance covers their employees. That is how it works. That is a risk they run. At most, you *could pay the deductible, but I wouldn't. I chose the coverage on my car. I run the risk of I allow someone else to drive my car. They took that risk, not you.

Anonymous wrote:

Anonymous wrote:Okay. Sounds like I need to take to my insurance guy. It will be over $3000 including a rental car and she wants me to come watch the kids while she drops car off, gets rental and installs carseats. If insurance doesn't cover, then there's really no way for me to refuse to cover the costs that won't permanently cost me this reference (which I absolutely need).

$3k to keep the reference?!

In this case, yes it's complicated and has to do with ours I need to complete the certification. If I could no longer use them as a reference for the certification process, I would need to do those hours over again with a different outside of my regular work hours, which would take me a long time and cost a lot of stress. It would also cost me money because I would probably have to do The additional certification hours at a lower rate then my face right because I only have limited times to offer to outside families, and I would be turning down overtime pay with my regular job. It's complicated, but yes in this situation I would absolutely pay $3000 to keep this particular reference.

This is why I never let anyone drive my car.

You did the right thing to offer to pay. Seems crazy that a door would need to be replaced for some scratches.

Anonymous wrote:Okay. Sounds like I need to take to my insurance guy. It will be over $3000 including a rental car and she wants me to come watch the kids while she drops car off, gets rental and installs carseats. If insurance doesn't cover, then there's really no way for me to refuse to cover the costs that won't permanently cost me this reference (which I absolutely need).

$3k to keep the reference?!

Ps. Your old nanny family are jerks