truth is, we probably don't have all the facts, and if, and it appears that there is, some legal ramifications to this, then the actual parties involved can't discuss it anyways.
i did ask from the beginning why the OP's insurance wasn't covering it, or the driver.
i've wrecked other people's cars before, and the insurance companies on both parties will be involved. the coverage follows the vehicle, and most likely if it becomes a legal situation, the driver's insurance will actually repay the vehicle's insurer... so, for example, i get points on my license, my insurance goes up, but initially the vehicle owner's insurance pays for the damages, and most likely sues my insurance company for the amount (or whatever happens behind closed doors that we don't know about)... based on my experience, anyways...
i'm not holding the dealership at fault, just curious as to why there's a question in the first place of who has to pay...
at the end of the day, what doesn't sit well is an employee drove SOMEBODY's truck while he was on the clock... that's the only reason to involve the dealership that i can see... but i don't work at one, either and i'm sure there's a lot that i don't know about it...
either way, i don't have a dog in the fight, or want any parts, so... i'm going to go get lunch... in my truck
(no offense, bryan
)