Auto Insurance Claims: household employee driving our vehicle, personal auto policy, household employee

Question
damage occurs while employee was driving our vehicle can her auto insurance cover the damage occurring while in our vehicle.

Answer
Need to clarify some things so I can help.....

When you say "damage" is that damge to your vehicle or someone else's vehicle and/or property?

Was your employee involved in an accident with someone/something else?  If so, whose fault was it?

What was your employee doing at the time of the accident?  Was he/she do something that was job related?

Do you have a personal auto policy on that vehicle or is the vehicle a business veh and covered under a business/commercial policy?

Does your employee have his/her own coverage on his/her own vehicle(s)?

Answer may not be as simple as you think..

Get back to me........