In BC, the damage to the back window would be covered by the SUV's automobile comprehensive coverage, but the insurer would likely hold the cyclist at fault and subrogate against him to recover their costs. If he has house or tenants insurance, it will have a general liability coverage which would pay for these damages to a third party's property. (which would cover the subrogation) If the cost of repairs is quite low, he may want to discuss this with his insurance broker in case the claim would raise his rates.

We also have a separate "rider" or schedule of our bikes on our house insurance policy. This covers the bikes that are listed for virtually any damage or loss in virtually any situation. The only one that would not be covered is if I were freeriding or jumping and crashed in such a way as to wreck the bike. Any other incident would be covered, and there is no deductible. Unfortunately, this amount of insurance costs us yearly more than our house insurance, but the peace of mind is worth it.

Amy, you may want to check your own insurance scenario before you start biking to work, and see how your co-worker makes out. Lucky he wasn't hurt!

H&B
~T~