Yes; as long as you have collision coverage for your vehicle. You will only be out of pocket for your deductible.
No. Liability insurance will only cover your liability for property damage/injuries to others. In this case, it would cover the damage to the pole you hit. Your liability coverage will never cover damage to anything you own. You would need collision/comprehensive coverage to cover damage to your car.
The insurance will pay for the car you hit.
If you are driving their car and hit their car, then their insurance will pay for the damage on both cars. If you are driving your car and hit their car, then your insurance will pay for the damage on both cars.
you pay out-of-the pocket expenses.
Yes, less your deductible. You can call it vandalism.
Property damage liability car insurance will cover the individuals car and property that you hit. It will not cover anything to do with your vehicle if the accident is your fault.
no, you should have your own.
Motorcycle insurance is by far cheaper. The reason being if you hit another car with a car you can do some serious damage even kill people. Now if you hit a car on a motorcycle you will probably only kill yourself. Insurance companies could care less about the damage you do to yourself, so they charge less than car insurance.
You hit the other car, so yes, you need to pay to have the other car fixed. Your insurance should do this. If not, it is out of your pocket.
No, You just need to call the utility company. They will take care of their pole. If a car hit the pole, The drivers auto liability insurance could pay the utility pole owner for the cost of repairs.
No, it does not. That is why there are different policies called "home insurance" and "vehicle insurance".(The answer above is not entirely true. The homeowner insurance "liability portion" may pay for the vehicle damage as long as there is not an animal liability exclusion)
Yes, unless you can PROVE who it was, or that it was a government car, that hit you.