They are only covered if they themselves are insured under their own policy.
If you hit a parked car, the deductible applies to your vehicle, not the parked car. The other vehicle is covered by your liability coverage and there is no deductible attached. You pay the deductible on the repairs to your vehicle, usually to the shop after the work is completed, the insurance company handles the balance directly.
no
If you are insured for 'full coverage' or possibly 'uninsured motorist', yes. In a standard liability policy you would probably not be covered.
Your insurance SHOULD cover the damage assuming you had comprehensive coverage and not just liability. However, you might have a problem proving the damage occurred while you were still covered.
you are
No, you will still be responsible for any damage you did to the parked car.
Depends on your insurer. Contact your insurer for more info.
Yes.
the person who parked the car
The person who caused the damage.
That's a really difficult a question. In British English either is equally correct though they can have subtle differenced in meaning which I am finding difficulty explaining. Of course you have the third variant which is "Covered 'in' snow".I'm sure that somebody else can describe it in technical terms. But my understanding as a natural English speaker is....Covered 'by' snow kind of infers that this action has recently occurred.e.g. The parked car was covered by snow.Covered 'with' snow kind of infers that the object has not recently been covered.e.g. The parked car was covered with snow.Covered 'in' snow is kind of descriptive.e.g. The parked car was covered in snow.You know what I don't think it matters, choose one and use it,
nothing