Personal Injury Law
Personal Injury Law Questions? Ask Personal Injury Lawyers.
Workers compensation insurance covers the employee's injuries. It does not cover the employee's liability for causing injuries to a third party. If your nanny was driving "within the scope of employment," such as by taking your child to or from some activity, then you could be held liable for the other driver's injuries or property damage. The only way to avoid this sort of liability is to have insurance to cover the employee while on the job.
If the nanny was driving to or from your home, either on a meal break, or before or after work, then that's not within the scope of employment, and you are not liable.
I hope I've answered your question. Please let me know if you require further clarification. And, please provide a positive feedback rating for my answer -- otherwise, I receive nothing for my efforts in your behalf.
Thanks again for using Justanswer!