No your vehicle is not covered. That is why it is always recommended that you carry comp and collision and uninsured motorist.
If you file a claim with your insurance company for your own damage (if you have collision insurance) yes...probably.
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.
All people are allowed to get insurance to cover collision. It would be discrimination to deny someone insurance based on their sex. The best way to get coverage is to go to the nearest insurance agency.
It really depends what state you live in. Although if you have full coverage on your vehicle you should report through your company and your company will go after the other insurance company to get their money back. If you have no collision coverage for your vehicle then you will need to file with the other insurance company and they will decide who was at fault for the accident, if their insured is at fault they will repair your vehicle
If you disagree with the betterment clauses in your Insurance Contract or think they are not legal you could take the matter to your States department of Insurance or equivalent.
If everyone was legal, yes, a collision should be covered by the insurance company.
It is true that everyone should take care of their car and avoid collision. It is highly likely that someone would join the Ohio collision car insurance for their safety.
No, unless it is due to someone els's liability. As in, someone hit you and your windshield cracked, then it is covered. If you had Comprehensive coverage you would be all set. It depends on whose insurance is paying and what caused the windshield to break. If it's your insurance and a rock chips the windshield and you don't have comp/collision... no.
Usually, but restrictions do apply.
Yes. Collision coverage pays for damage to your vehicle, minus the deductible, regardless of who is driving it. Also, if you loan your vehicle to someone they are considered a permissive driver and you are liable for damage they cause in your vehicle even if they have their own insurance. Insurance always applies to the car not the driver.
Yes, you should be covered if someone hits you or you hit them regardless of someone leaving the scene.
If the accident was your fault you're out of luck. If you were hit by someone, their insurance will total your car and pay you for its actual cash value.