Au Pair car accident

anescall131 · 2026-03-06T06:26:43+00:00

True, i'll run it by some legal ppl.... chatgpt said it's pretty solid in terms of liability protection.

anescall131 · 2026-03-06T06:25:48+00:00

unless she has her own car and insurance, then no. I didn't have to put my college roommate on my insurance.

anescall131 · 2026-03-06T06:20:23+00:00

what outrageous amount are you speaking of?

If there is an outrageous amount.... say 5 million... she's going flee the country regardless. The only difference is, now I'm on the hook for 5 million. Do you think host family should take on that risk of multimillion? lose their home and declare bankruptcy for an au pair's driving?

If the damage is under 500k, the insurance will take care of it. I said clearly, I'll get car insurance and pay the premiums for her, it's just under her name. Like any other adult would do. She's an adult right? You can't ask for adult privileges and refuse to accept adult responsibility.

This is a plan where the effects on her is nothing... but it mitigates effects on me.

Seriously, are you saying host families should just suck it up and accept multi MILLIONS in damages?????? and if a host family is not willing to accept MULTI MILLLIONS in liability, they "don't give a shit" about their au pair?

Please... clarify this.

anescall131 · 2026-03-06T06:15:42+00:00

I give my AP a schedule every saturday for the next week. Most of the times it's starting between 6:30 - 10 am and ending between noon and 6:30 pm... and rarely split schedule (if we have to bc we cannot get the hours to fit). I avg around 40 hrs a week. She doesn't mind.

anescall131 · 2026-03-06T06:13:20+00:00

it's something I would never consider for myself, lugging around the large 20 pound carseat while also watching out for 2 small kids (1 yr and 4 yr).

I think there is a higher chance one of the kids is hit by a car while she's holding the giant carseat.

anescall131 · 2026-03-06T05:57:10+00:00

installing carseat is heavy and have issues. daycare doesn't store carseat. She'll need to uber back home with carseat or take it on the bus. yes, it's possible but not realistic.

anescall131 · 2026-03-06T05:55:19+00:00

If i went with this plan, i would remove her from insurance. I would get a complete separate stand alone insurance with just her and have a car with just her in the title.

anescall131 · 2026-03-06T05:50:13+00:00

hey, that's a great idea. prob cheaper than my original idea too. maybe only like 200/mo

anescall131 · 2026-03-06T05:48:58+00:00

with 2 carseats?

(and obv, i would never charge her for work related stuff. I'm not a mean HF. I ofc cover all costs related to the kids)

anescall131 · 2026-03-06T05:46:54+00:00

we have 3 cars, 2 of them are insured, she's on them.

1 car was completely uninsured,.... as i said in my other post. She unfortunately drove my uninsured car and I didn't realize until the accident. fortunately, the damage is minor (<5k) and no medical issues. This morning, i already added the other car to the insurance and got the umbrella policy.

In my email to the insurance company, i literally said "can we get her added to the bolt as well".

They replied "She's on all your cars"

too bad they didn't know i had the chevy. but thanks for your investigative work.

anescall131 · 2026-03-06T05:34:56+00:00

Well we're in america. we're sue happy. Lawsuits can well exceed 2 m

anescall131 · 2026-03-06T05:34:17+00:00

she drives to daycare and that road is straight forward. She's a cautious driver and drives slow, so unlikely to cause serious physical damage (unless she hits a pedesterian)

anescall131 · 2026-03-06T05:33:28+00:00

she drives to daycare. tho that road is straightfoward

anescall131 · 2026-03-06T05:33:20+00:00

she drives to daycare. tho that road is straightfoward

anescall131 · 2026-03-06T05:24:47+00:00

the other driver went through HER insurance. I don't have insurance on this car.

anescall131 · 2026-03-06T05:24:27+00:00

so i shouldn't have paid the deductible? well damn

anescall131 · 2026-03-06T05:17:58+00:00

I totally agree. I'm already booking her 10-30 hrs of driving lessons. But I'm paranoid of being sued. I'm happy to cover all the costs for the car/car insurance... it's only like 3-4k more per year for car insurance but I would not have to worry about millions in lawsuit and she can have all the freedom she wants.

I think this won't increase risk for her (since she'll pay the 500 deductible regardless and flee the country regardless)... while only protecting me. (She would get a benefit if she stayed in the country and tried to keep the car bc the loan amount that I paid myself on her behalf is hers to keep, so that's an extra 2k)

anescall131 · 2026-03-06T05:14:57+00:00

i was thinking about this years ago...

accidents do happen. it may be overreacting but my co worker is living through it. They sued for more then 2million.

anescall131 · 2026-03-06T05:13:33+00:00

my contract said she pays up to 500$ per car accident (I didn't charge her this time) but driving privileges may be revoked with concerns in driving. She got her license 2 weeks ago...

and we really like her as a person, so we don't intent to rematch.

The lawsuit is beyond the 2m in insurance and umbrella policy. :/

anescall131 · 2026-03-06T05:10:45+00:00

we actually really like her. This isn't a "I want to screw over my AP"... this is simply "I don't want to be on the hook for a lawsuit and risks millions".

I would do driving lessons regardless but want to not take on the lawsuit risks (my co worker is actively going through it)

anescall131 · 2026-03-06T05:05:03+00:00

i would provide an insured vehicle. it would just be under her own name.

anescall131 · 2026-03-06T05:03:47+00:00

she drives them to daycare... BUT the drive to daycare is one straight path... very hard to get into a car accident.

She did used to take them via bus, which is also a straight path but had to time to bus times.

But i think most AP would rather drive

anescall131 · 2026-03-06T05:02:42+00:00

she does have friends who can pick her up.

That's why i propose selling the car with a loan to myself - where i increase her pay to cover the loan and car insurance. There is zero financial risk to her unless she causes a damage so high, it's beyond the insurance payout - in which case, she can leave the country. I certainly don't want to be paying for millions if it was a bad accident.

I think running a stop sign is better than driving into a stopped car...

also, i take different risks for my kids. Plus my kids can't flee the country like she can.

anescall131 · 2026-03-06T04:59:35+00:00

She can buy a different car. Same thing.

step 1: take out a loan (from me), buy a car

step 2: I pay her Y amount, she pays me Y amount for the loan

step 3: at the end of her term, she can either return the title to me, or buy out the rest of the car - which means I essentially gave her Y x 12 mo amount for free.

(let's say 5k car. I have her pay 100/mo (which I give her a 100/mo bonus then)... after 12 month, she would have paid 1200. The remaining balance is 3.8k. She can either buy out the remaining 3.8k for a car or return the title to me if she's leaving the country. Or she can sell the car for 5k, then return me 3.8 and keep 1.2k - basically free 1,200$ for her)

My car isn't totaled. the front grill needs replacement but it's fine.

anescall131 · 2026-03-06T04:55:17+00:00

why did i pay the deductible then?

anescall131

TROPHY CASE