If your nanny is driving her own vehicle transporting your children here and there it would be wise to check not only, that she has insurance, but also that she has higher limits of liability. Her limits should at least match your own. I would suggest limits no lower than $100/ $300/ 100. It also is advisable to ask her insurance company to issue a current certificate of liability insurance as proof that she has “in force” insurance.
Even though Arizona is a “mandatory insurance” state it is estimated 1/3 of the drivers have no insurance and another 1/3 have only the state minimum limits of liability.
If you nanny does need to use her car for on the job travel she would need to talk to her insurance agent and question them about increasing her coverage.
Insurance Facts Provided by Jack Mianecki – Farmers Insurance 602-996-6866