No, that is for when you hit someone else.
The other parties liability should if it was their fault. Your liability should cover the vehicle you damaged.
You can purchase car liability insurance from the same company you get your regular car insurance from. If you are a new car insurance customer, ask your agent to add liability insurance to your plan.
fix my car
Bodily injury liability and property damage liability.
Automobile Liability insurance, YES. Liability insurance, NO. There are many kinds of liability insurance.
If you have full coverage on your car, then your insurance should pay. But if all you have is liability insurance, then no, it won't pay to fix your car. But there is a chance that your uninsured motorists coverage will pay for the damages, if you have it.
It sorta makes sense that you would own a car. If you do not own a car why would you want liability insurance?
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.
no
liability.
no it does not, liability covers only the second party.
When a car is borrowed (with permission) the insurance of the car owner is primary and the insurance of the driver is secondary. Here, the car owner has no coverage to pay for the damage to his/her own car, so the driver's liability insurance would cover the cost of the car. That is assuming the driver has liability insurance, if the driver doesn't have liability insurance, the car owner is stuck (unless he sues the driver).