I believe (at least in the state of Pennsylvania) that the employer would not be liable. I looked up the answer in an Insurance book that I have for PA. And actually, it was in the liability EXCLUSIONS: "for any insured using any vehicle while employed or engaged in any business, except for farming or ranching". Therefore, I think that the damage would not even be covered. It would be covered if not being used for business, but the employer would not be liable for the damage. I know that auto insurance follows the car, so if you made a claim, you would have to make it on your own auto policy. Hopefully you were able to make the comprehensive claim! Hope I helped a little!
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