If you work as a nanny and you drive your employer’s car regularly the parents must add your name to their car insurance. If you are listed on your employer’s car insurance you and your employer will be protected if you get in an accident with their car.
If the accident is not your fault, and your name is listed as an insured driver, the insurance will cover the expenses of any losses. If the accident is your fault and your name is covered by the car insurance policy you may simply be responsible for the deductible.
Some nannies feel that if they cause a car accident while working that the parents should pay the deductible simply because the accident happened during working hours.
But I argue if you get in a car accident that is your fault while working, and you step up and act responsibly by offering to cover the cost of the deductible, you will maintain a positive relationship with the parents. If you do not offer to pay the deducible, your employers might resent you.
If the parents don’t list you as a driver on their car insurance, as required by law, you will both be in a sticky situation and the you will be blamed for the entire cost of the accident.
When I got in a fender bender that was my fault I paid my boss's deductible and the other person's deductible. It happened while working but it was my fault.
ReplyDeleteFirst off, everybody in the household should know if they’re covered by a policy so that nobody would end up pointing fingers in case of an accident. Also, it’s a must for the parents to regularly update your insurance. This is to facilitate an easier amendment between the parties.
ReplyDeleteMaggie @Mastragelo Law Offices
Insurance is a contract between the person who buys it and the insurance company that sells it. The buyer, called the "named insured, agrees to pay a certain amount of money, called the premium. In exchange for the premium, the insurance company or insurer agrees to pay for certain types of claims and losses, called "coverage," up to a particular amount, called the "coverage limit." First party or "personal insurance" policies, such as health insurance and disability insurance, pay the named insured for his or her own injury.
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