[detaro]

The employer isn't even involved in the court case (or if they are, as a witness, not as the target). The insured is the employee, the insurance is the public insurance body responsible for employees of their employer. The employee sued the insurance, because the insurance is by law responsible to cover it, there is no situation where the employer has to directly bear liability for commute accidents. Speaking of "the employers insurance" is misleading here, because the employer is not the one being insured! It's explicitly not liability insurance for the employer, but insurance for the employee.

(I guess a vaguely similar scenario in non-public schemes would be if the employer decides to buy some kind of extra insurance for their employees as a benefit, like international travel insurance for their holidays. The employer pays the insurance fees, but the insured person is the employee and if they get injured, they don't get to sue their employer either)