Employer Vehicle

My employer had me make a work related drop off one day. I got into a fender bender that resulted in $2200 worth of damages. The police did not come, I was not issued a traffic violation however I did rear-end the vehicle ahead of me going 5mph. His car was not damaged. But the car I was in was obviously.

I was told when hired that I was covered under her insurance. I initially asked, due to the fact that they had me drive a lot for work. It's the owner's personal car which we also use for business.

Anyway, now she is claiming she has liability insurance and that her FATHER pays the insurance on the car. This being said, she doesn't want to go through insurance b/c she doesn't want the rate going up on him. If that happens he will stop paying the insurance for the car which saves her an expense. Not to mention she then informs me that the car is registered in North Carolina and not California and she doesn't want to register it here because she doesn't want to pay for it.
So instead, she is requiring me to cover the $2200. I don't mind taking responsibility if it is my responsibility. But at the same time she is giving me no alternate options except to just pay the $2200 (that I don't have anyway).

What do I do? Am I responsible for this?

Thank you.

You don't have to pay that. She is acting fraudulently firstly...with that non-registration etc.

But if they told you they had insurance you can rely on that. She needs to resolve this not you.

Go to small claims if you must.