Unfortunately with that type of coverage there is really nothing you can do but pray. Hopefully whoever hit your car was honest enough to leave insurance information or at the very least a contact information note. You could ask your neighbors and see if they saw anything.
His liability insurance on his car should transfer to the vehicle that he is driving.
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
You home owners liability insurance should cover it.
The person's collision insurance should cover the damage to their car, and their liability insurance should cover the damage to the fence and property. If they have no collision insurance, they will have to fix their car on their own.
You need a commercial general liability policy.
No, because they are volunteering to do it. If they got liability insurance for it, then they should just get paid for doing it.
For someone who owns a snowmobile a good insurance would be Progressive snowmobile insurance. You should probably get the bodily injury and property damage liability. progressive.com
The other parties liability should if it was their fault. Your liability should cover the vehicle you damaged.
Homeowner's insurance covers most basic liability needs, should someone become injured on your property. Additional coverage against fire, flood, and earthquake is also recommended to protect your investment.
Employer's liability insurance exists to protect an employer from an employee's insurance claims from conditions resulting from work. The insurance should cover medical costs and some lost wages.
Should be covered under your homeowner's or renter's insurance unless the dog has ever attacked someone (most Labs are fine), so talk to your current insurance provider.
No. Physical Damage coverage to your own vehicle would be covered in this instance if you purchased the coverage, but liability only would not repair the damages.