Nanny Car Crash - what to do?

Has it been sorted now?

What about dh accident? How did he manage to hit a car? Was it parked and still or moving and both didn't see each other ?

It's a lovely idea that the nanny could have just popped out and explained her inability/reluctance to reverse and the other driver would have been so wonderfully calm and understanding and helped her to reverse. The reality is that the other driver was aggressive and unhinged. There are some people that you cannot reason with, the fact that she smashed in the side of your car indicates that she may have been one of those people!

Agree with OVienna and teanadkitkat.

There was no need for a verbal row between these two - nanny could have just admitted she was scared to reverse and they could have sorted it out like adults not children. The row then enraged horsebox lady...and so on.

None of this is YOUR fault OP and yet you are landed with a heap of paper work and hassle.

What teaandakitkat said - x 1000

poor nanny

she stops her car, well your car and then your car gets scraped/hit by another driver/horse box lady BUT apparently its your nannys fault

yes she should have reversed if able to but she did stop

and tbh if your dh hadnt hit a car then you wouldnt be complaining about pnc

tho most allow 2 accidents in 3 cars

you said none have happened before this, so surely no claims will be
ok

yes £1k is a lt for excess but you agreed to it

are you moaning at your husband for hitting something

I get your frustration op. You've been landed with a pile of hassle and expense all because two grown adults couldn't sort out between them how to reverse a car out of the way.

Surely the nanny could have said "look I'm sorry, I'm not used to these roads and this car, I'm not very confident at reversing"
Then the other grown adult could have said, with good grace or not, "ok well I'll direct you or help you then we can go about our respective business"

But instead they both chose to shout at each other and damage cars.

Both idiots and I'd be mad with them both, no matter who is legally at fault.

Whether it was avoidable or not, you can't just plough on down the road hitting other people!
Horse box person should pay, not your nanny.

Hopefully a good lesson learnt: don't give your nanny a car that you're extremely precious about and get proper insurance with lower or no excess.

can not believe people think this is an acceptable way to behave when driving your bosses car, or ever.

Don't think anyone has said that... But there's no excuse for ramming into someone's car, pretty sure it would be considered criminal damage if she did it on purpose

Are you sure there was somewhere for her to reverse to? Do you know the road? if she'd just give around a sharp bend or there was no pulling over place where she'd just fine from but there was for the horse box then perhaps her stubbornness wasn't misplaced. We probably need a diagram

this accident only happened because of pride and confrontation. If both parties had been sensible, it wouldn't have happened

Only one party hit a stationary vehicle and damaged it, and it wasn;t the nanny.

If she says she couldn't reverse, why do you not believe her?

Country lane with no witnesses will be knock for knock I suspect 50% liability each no body wins. Sorry for you what a nightmare. Don't make your nanny pay though that would be horrid of you.

I can not believe people think this is an acceptable way to behave when driving your bosses car, or ever.

She would be out the door if she was my nanny, imagine if she had your children with her?! I say that as someone without a nanny so I appreciate they may be very hard to find and that would affect what you put up with. However, if a friend of mine suffered from this level of road rage I would not be allowing them to drive my children anywhere.

I would allow the insurance to deal with it and agree with pp who said if she has any sense of decency she will offer at least half of any costs.

Goodness....

*she herself told me she was aggressive, rather than me assume she was.

I am really surprised how many people think I am unreasonable for being cross.*

She 'fesses up about her own moment of madness, and in return you get cross, distrust her story and want to hear the other's party's version. Interesting approach to staff management.

Another way would be to say, are you alright? Must have been awful for you, meeting such a driver in a tight spot. Oh, well, we all have bad days, good job we are all insured and earned yourself her undying loyalty.

If I were the nanny, I know what I would do. If I wasn't already, I would start looking for a role where I was respected, trusted and generally appreciated.

This.

If I were the nanny, I know what I would do. If I wasn't already, I would start looking for a role where I was respected, trusted and generally appreciated.

Let the insurance decide who pays what, if anything. If you have to pay the £1000 excess then hopefully the nanny will do the right thing (in my view) and offer to reimburse you at least some of it. I know I would if I were the nanny.

I'd be furious, essentially you're in this situation because your nanny can't use her judgement and has a stubborn temper. Fine if it was her own car but definitely not on as it's yours. I'd be having sharp words.

Apparently it's not an offence to hit another car and drive off, unless someone is injured. I discovered this when someone did this to me.

They have 24 hours to report it to a police station . It's only an offence if they don't do so.

The police tracked down the offending driver about four weeks later and suprisingly enough he denied it and the damage to his car had been repaired. So had to pay the excess for the damage to my car.

If, in fact, the incident happened as your nanny said, then her only fault was not immediately phoning the police to report a hit and run

I work in insurance tell the insurance company you will only have to pay the excess if you are found to be at or 50/50 - this may be seen as road rage on the horse box owner behalf

Golly, just from reading your responses I can see why she didn't reverse. I'd be terrified of scratching your car too...

How did you treat your h when he reversed into something? Presumably you accepted it as accident and the insurance paid tho you lost no claims/paid excess.
If it was nanny s fault in any way then it wasn't intentional and you would have to deal with it the same as when your husband crashed .
You have insurance.
That is what it is for.
It's annoying for sure.

It doesn't matter if the nanny was being a complete arse frankly. If she's insured, then she's insured. If the OP decides to take out inadequate insurance then it's her problem.

The nanny is an employee. Not a teenage kid.

It's my understanding of employment law that the OP needs to go down a formal disciplinary route rather than docking pay. AFAIK you can't do that in the 21st century with all its pesky employment laws

I wouldn't assume that your insurance company will pay out on a no fault basis.

It will be nanny word against horse box lady. (assuming no witnesses)

I was incensed with my insurance company who accepted a 50/50 claim when a third party hit my stationary, parked car and pulled the door off. We had witnesses too (albeit impartial ones, - they were friends of ours)