We provide managers with a monthly vehicle payment amount and they buy thier own vehicles and cover all their costs except we provide a gas card which includes gas for all company business plus commute and de minimus personal use. When an employee h

We provide managers with a monthly vehicle payment amount and they buy thier own vehicles and cover all their costs except we provide a gas card which includes gas for all company business plus commute and de minimus personal use. When an employee has an accident on their way to work, are we liable for anything? Should we require them to report it? How does it change if the accident happens during the work day on company business?