I hold insurance through geico, i enjoy liability, my vehicle get hit surrounded by a parking lot, do they cover that?

No. Liability only covers other people and property when you hold an at-fault accident. In order to be covered for your parking lot fluke, you would have to have collision coverage, unless the happenstance was the other person's fault, contained by which case their liability coverage would pay for your repairs.
No. Liability means, we solely cover the guy you hit.

If they didn't explain that when you bought the coverage, well, that's what happens when you "step direct, cut the middleman".
No. If you do not have collision coverage your insurance will not cover your damages. The other guys insurance should cover your damages because it be their fault. If the other guys has no insurance you will own to sue him in small claims court for your damages.
Nope. Hopefully you can find out who hit you and fix your motor with their insurance.


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