golf ball vs car

[village dreamer]

if im on a golf course and hit a car with my golf ball , am i liable?? would his car insurance cover any damage. just asking for a friend.....:pray::pray::pray:

[retiredguy123]

The car owner's auto insurance would cover the damage under his comprehensive coverage. Is the golfer liable? Maybe, maybe not.

[onfire]

No, just not a particularly good golfer.

Providing it was not intentional then there is no liability, either for damage to a residence or vehicle. It doesn't mean you shouldn't offer to help pay for damages while not admitting guilt.

[Shipping up to Boston]

if im on a golf course and hit a car with my golf ball , am i liable?? would his car insurance cover any damage. just asking for a friend.....:pray::pray::pray:

One of the most ambiguous topics that has survived a generation....without clarity. Inherit risks being a condo/homeowner in a golf community. The expectation that the individual responsible presents his/herself to damaged party (good luck).....the burden on identifying and proving who hit the ball. HOA language ....it goes on and on. Much like the days when someone would hit a parked car and leave a note on the windshield, nobody wants to deal with insurance smoke or getting into legalities in this litigious society we live in. I guess let your conscience be your guide

[jimbomaybe]

No, just not a particularly good golfer.

Providing it was not intentional then there is no liability, either for damage to a residence or vehicle. It doesn't mean you shouldn't offer to help pay for damages while not admitting guilt.

Liability is not a matter of intent, as a traffic accident, to damage someone's property intentionally would be criminal damage to property ( Knowingly, intentionally without legal justification)

[Laker14]

When I was a wee lad I was caddying for my dad on his Saturday morning round with his chums. Dad wasn't much of a golfer, and on the 18th hole he heeled one OB left, directly into a the windshield of a plumber's van. The van was one of several in the fleet of a plumber friend of his, who, you guessed it, was part of the foursome.

[Shipping up to Boston]

When I was a wee lad I was caddying for my dad on his Saturday morning round with his chums. Dad wasn't much of a golfer, and on the 18th hole he heeled one OB left, directly into a the windshield of a plumber's van. The van was one of several in the fleet of a plumber friend of his, who, you guessed it, was part of the foursome.

Guess we know who bought the first and subsequent rounds at 19!

[Craig Vernon]

Many times I do not even know if I actually hit the home, car, boat or RV.

[village dreamer]

that bang or busted glass sound , and you dont know????:evil6::evil6::evil6:

[JMintzer]

Many times I do not even know if I actually hit the home, car, boat or RV.

"Many Times"??? :shocked:

[Shipping up to Boston]

Many times I do not even know if I actually hit the home, car, boat or RV.

I hope a certain passionate member of ToTV isn’t reading this right now.

[Retiring]

if im on a golf course and hit a car with my golf ball , am i liable?? would his car insurance cover any damage. just asking for a friend.....:pray::pray::pray:

Is collision insurance required in FL? It’s possible the damage will not be covered by insurance. I hate to ask, but am I out of line to say the golfer should repair the damage 100%. I’m not a golfer but I guarantee I would pay any damage I cause. Whether it’s a house window, screen or car.

[retiredguy123]

Is collision insurance required in FL? It’s possible the damage will not be covered by insurance. I hate to ask, but am I out of line to say the golfer should repair the damage 100%. I’m not a golfer but I guarantee I would pay any damage I cause. Whether it’s a house window, screen or car.
Collision and comprehensive insurance are not required in Florida. But, damage from a golf ball would be covered by comprehensive insurance, less the deductible. Most vehicle owners have this type of insurance.

[Topspinmo]

if im on a golf course and hit a car with my golf ball , am i liable?? would his car insurance cover any damage. just asking for a friend.....:pray::pray::pray:

According to golfers they are not responsible for anything :coolsmiley:

[Two Bills]

Saw a short clip of John Daly launching golf balls on a range demo day.
The balls were landing outside the range, and after one shot, glass breaking could be heard.
His quote was "I love the sound of breaking glass" and proceeded to launch more down range.
Don't think he was too worried about damage from errant golf balls.

[Laker14]

According to golfers the are not responsible for anything :coolsmiley:

If God wanted me to be responsible for where I hit a golf ball, he'd have given me more talent.

[Two Bills]

If God wanted me to be responsible for where I hit a golf ball, he'd have given me more talent.

Amen!

[dewilson58]

Many times I do not even know if I actually hit the home, car, boat or RV.

Please send me your golf schedule so I can avoid the area.

:1rotfl::1rotfl:

[sdeikenberry]

a quick Google search reveals multiple answers that the golfer is not legally responsible for damage from an errant golf ball unless they intended to inflict that damage. Disagrees with what I’ve generally known all the years I’ve been golfing.

[admiral72]

I was playing in a Charity outing and came back to my car to discover a broken windshield. The ball was sitting on the hood with a personalized name and company. I confirmed he was in the event. I sent a picture to the guy via fax. I asked for my dedudable. A lawyer called and laughing said I could not prove he was the one who hit it.

[Papa_lecki]

a quick Google search reveals multiple answers that the golfer is not legally responsible for damage from an errant golf ball unless they intended to inflict that damage. Disagrees with what I’ve generally known all the years I’ve been golfing.

If i could intentionally hit a house or a car doing 45 MPH, I could intentionally hit the green.

[onfire]

a quick Google search reveals multiple answers that the golfer is not legally responsible for damage from an errant golf ball unless they intended to inflict that damage. Disagrees with what I’ve generally known all the years I’ve been golfing.

Exactly. It would be the same as driving down the road and the vehicle in front flicks up a piece of gravel that breaks your windshield, there is no liability. If that vehicle is a gravel truck which failed to secure the load (due care) then a claim may be justified.

The car owner could sue the golf course if they were negligent in design but the golfer would not be liable.

[MandoMan]

Collision and comprehensive insurance are not required in Florida. But, damage from a golf ball would be covered by comprehensive insurance, less the deductible. Most vehicle owners have this type of insurance.

So, if your golf ball hits my car and dents it or breaks a window, doing, say, $800 in damage, and my car insurance has a $500 deductible, I’m supposed to cheerfully pay that $500 out of my pocket and have my car insurance rate raised or have the policy even cancelled because you can’t keep your balls where they belong? It seems to me that the golfer should bear moral responsibility, even if not legal responsibility, and cover the cost out of pocket.

[crash]

The car owner's auto insurance would cover the damage under his comprehensive coverage. Is the golfer liable? Maybe, maybe not.

If he means legally liable the answer is no and the persons car insurance would cover the damage.

[kkingston57]

if im on a golf course and hit a car with my golf ball , am i liable?? would his car insurance cover any damage. just asking for a friend.....:pray::pray::pray:

All cases have thier own particular differences, Was in the insurance adjusting biz. If you were negligent when you were hitting the ball and hit the car, you should be responsible, but not always. His car insurance would pay for the damages which exceeded his deductible. The insurance company could make a claim against you for those damages but probably would not since it would cost them more money than the actual damages. If you are sued by anyone and if you have homeowners insurance your homeowners policy could defend you or settle the lawsuit,

[ehonour]

Last year, one of my errant balls went through a window adjacent to the fairway. Sigh. I drove up and found the owner standing by. Gave him my card and offered to pay for the replacement, just let me know how much. Never heard from him. Next time I played that course, the window was fixed. Seems like one of those rare cases where both people were adult enough to act responsibly. Wouldn't it be nice if that were the norm, instead of arguing about it or—heaven forbid—initiating lawsuits?

[BOWRUNNER]

No, just not a particularly good golfer.

Providing it was not intentional then there is no liability, either for damage to a residence or vehicle. It doesn't mean you shouldn't offer to help pay for damages while not admitting guilt. Maybe you should quit golf, and try pickle ball:crap2:

[retiredguy123]

So, if your golf ball hits my car and dents it or breaks a window, doing, say, $800 in damage, and my car insurance has a $500 deductible, I’m supposed to cheerfully pay that $500 out of my pocket and have my car insurance rate raised or have the policy even cancelled because you can’t keep your balls where they belong? It seems to me that the golfer should bear moral responsibility, even if not legal responsibility, and cover the cost out of pocket.
I didn't say that you should cheerfully pay the deductible. In some cases, the golfer will pay, depending on the situation.

[merrymini]

Golfers are, apparently, not responsible for damage, I know, I was victimized by one and had to pay for my own window. That is why I hate all golfers, most of whom are okay but tainted by the rude, stupid ones.

[sowilts]

Maybe you should quit golf, and try pickle ball:crap2:
One reason Golf courses are built before Home construction, Club house, etc, is due to What was established first, the Course or the home, parking lot, etc. It applies to the what came first clause. Same applies to resent courses established south of 44. If one purchases a home on a golf course it is listed in the contract.

[mikeycereal]

You could square up and hit a ball like you were aiming at Neidermeyer and you wouldn't be liable.

"Now drop and give me 20!!" :duck:

[nn0wheremann]

if im on a golf course and hit a car with my golf ball , am i liable?? would his car insurance cover any damage. just asking for a friend.....:pray::pray::pray:
This happened to my daughter. She lives next to a golf course. The golf course management called a windshield replacement company on the spot, had the job done right there in their parking lot, and nailed the offending foursome when they finished their round. However, that was in Iowa, where people tend to be polite and responsible citizens, unlike some more litigious places.

[Topspinmo]

So, if your golf ball hits my car and dents it or breaks a window, doing, say, $800 in damage, and my car insurance has a $500 deductible, I’m supposed to cheerfully pay that $500 out of my pocket and have my car insurance rate raised or have the policy even cancelled because you can’t keep your balls where they belong? It seems to me that the golfer should bear moral responsibility, even if not legal responsibility, and cover the cost out of pocket.


Yes, golfers are special. :clap2:

[Topspinmo]

You could square up and hit a ball like you were aiming at Neidermeyer and you wouldn't be liable.

"Now drop and give me 20!!" :duck:

I use to play with guy that hit 300 yard drive, he would line up 45 degrees from fairway. Hit ball 150 yards to left and 150 yards to right. One time he actually hit ball straight and it when over two fairways. :gc:

[donfey]

Was the car in the fairway or on the green?

[bp243]

Is collision insurance required in FL? It’s possible the damage will not be covered by insurance. I hate to ask, but am I out of line to say the golfer should repair the damage 100%. I’m not a golfer but I guarantee I would pay any damage I cause. Whether it’s a house window, screen or car.

There are always people who are guided by a moral compass that’s internal. With no one watching their actions, they simply know the right thing to do and they do it!

[jimmy o]

The car’s insurance will cover after his deductible. Sometimes the course could be held liable. Golfer can always be held liable, even if car driver then has heart attack, that’s why I carry umbrella insurance.

[Shipping up to Boston]

There are always people who are guided by a moral compass that’s internal. With no one watching their actions, they simply know the right thing to do and they do it!

Or...
“The true test of a mans character is what he does when no one is watching”~John Wooden

[Tustin714]

In a way the answer is "it depends" -- it depends if the golfer's moral compass takes responsibility for his actions. In a way, it's a true test of character.

[Taltarzac725]

A few years ago I was driving past the Pimlico Recreation Center by that golf course and saw something moving fast at me from the corner of my eye. The ball went under my car and bounced and hit the bottom with a clank. Could see golfers at the nearby hole looking at me but I was worried more about the traffic on Belvedere rear ending me more than any damage to the under carriage of the car so I just kept going. Checked the car after shopping at the Publix but found no leaks.

I still get a little nervous driving past those golf holes.

[Vermilion Villager]

if im on a golf course and hit a car with my golf ball , am i liable?? would his car insurance cover any damage. just asking for a friend.....:pray::pray::pray:

You (or your friend) knowingly damaged a vehicle with your golf ball. Now you want us to give you some sort of cover thru our opinions?!?!?!?
Let's say you were 12 years old playing baseball and broke the neighbor lady's window......what would your parents tell you????

My advice....do the right thing:mornincoffee:

[fdpaq0580]

Exactly. It would be the same as driving down the road and the vehicle in front flicks up a piece of gravel that breaks your windshield, there is no liability. If that vehicle is a gravel truck which failed to secure the load (due care) then a claim may be justified.

The car owner could sue the golf course if they were negligent in design but the golfer would not be liable.

Not the same as a vehicle throwing up a rock. More like, a guy out shooting in a field intentionally put a golf ball. (I mean bullet) in the gun. Then intentionally swung the club to hit the ball (I mean pulled the trigger to discharge the bullet). The golfer failed to hit the ball as intended, the ball hit an incentive car. (I mean the shooter failed to aim or handel his gun in a safe way and he unintentionally shot a child playing nearby.
Yeah! I see your point. No need to accept responsibility for damage or death caused out of stupidity or lack of ability. It's God's will. It must be. 😏😒

[fdpaq0580]

Yes, golfers are special. :clap2:

Psst! They're not really special. They only THINK they are.

[mikemalloy]

It certainly wasn't intentional. Hell, if we could hit the ball where we want to all the time we'd get invited to Augusta every April.

[JMintzer]

Not the same as a vehicle throwing up a rock. More like, a guy out shooting in a field intentionally put a golf ball. (I mean bullet) in the gun. Then intentionally swung the club to hit the ball (I mean pulled the trigger to discharge the bullet). The golfer failed to hit the ball as intended, the ball hit an incentive car. (I mean the shooter failed to aim or handel his gun in a safe way and he unintentionally shot a child playing nearby.
Yeah! I see your point. No need to accept responsibility for damage or death caused out of stupidity or lack of ability. It's God's will. It must be. 😏😒

Again with the "reductio absurdum fallacy"...

Are they having a BOGO special on them @ Publix this week?

[MrFlorida]

Depends, if you yelled " fore" or not...

[fdpaq0580]

Again with the "reductio absurdum fallacy"...

Are they having a BOGO special on them @ Publix this week?

Not so. The result is the same. Both golfer and shooter are responsible for their actions. One is not absolved of his responsibility by being a golfer.

As for the BOGO @ Publix, I wouldn't know. I generally go to Aldi's or Winn Dixie. Closer.

[Shipping up to Boston]

Not so. The result is the same. Both golfer and shooter are responsible for their actions. One is not absolved of his responsibility by being a golfer.

As for the BOGO @ Publix, I wouldn't know. I generally go to Aldi's or Winn Dixie. Closer.

Hmmm
Unrelated, you’re not from Cali by chance?

[JMintzer]

Not so. The result is the same. Both golfer and shooter are responsible for their actions. One is not absolved of his responsibility by being a golfer.

As for the BOGO @ Publix, I wouldn't know. I generally go to Aldi's or Winn Dixie. Closer.

Yes, it's quite common to be killed by an errant golf ball to the car (which is what this thread is about)...

[kkingston57]

The car’s insurance will cover after his deductible. Sometimes the course could be held liable. Golfer can always be held liable, even if car driver then has heart attack, that’s why I carry umbrella insurance.

Umbrella insurance pays for damages that are in excess of a primary policy like your homewowners insurance. Could be needed if the golf ball hit and killed a person,

[fdpaq0580]

Depends, if you yelled " fore" or not...

Is it "fore", "four", or "for". Why not "heads up", or "duck", or "ball", or my favorite, "incoming"?

[fdpaq0580]

[quote=vermilion villager;2323824]you (or your friend) knowingly damaged a vehicle with your golf ball. Now you want us to give you some sort of cover thru our opinions?!?!?!?
Let's say you were 12 years old playing baseball and broke the neighbor lady's window......what would your pare

RUN!

[BPRICE1234]

I shattered a car windshield that was driving down the road. I owned up to the error and my homeowners insurance paid for it. This was in Ohio, 30 years ago, and with Allstate.

[fdpaq0580]

I shattered a car windshield that was driving down the road. I owned up to the error and my homeowners insurance paid for it. This was in Ohio, 30 years ago, and with Allstate.

Honesty and integrity. Good on you, mate.

[mraines]

No, just not a particularly good golfer.

Providing it was not intentional then there is no liability, either for damage to a residence or vehicle. It doesn't mean you shouldn't offer to help pay for damages while not admitting guilt.

I live on a golf course and was told that I am liable for any damage to my home from golfers. That's the risk of living on one.

[village dreamer]

So, if your golf ball hits my car and dents it or breaks a window, doing, say, $800 in damage, and my car insurance has a $500 deductible, I’m supposed to cheerfully pay that $500 out of my pocket and have my car insurance rate raised or have the policy even cancelled because you can’t keep your balls where they belong? It seems to me that the golfer should bear moral responsibility, even if not legal responsibility, and cover the cost out of pocket. now on the flip side ....your car hit and dinged my golf ball and i want money for pain and suffering.:girlneener::girlneener:

[Jim1mack]

Why was the car on the golf course in the first place?

[Stu from NYC]

that bang or busted glass sound , and you dont know????:evil6::evil6::evil6:

Hit the ball say 200 yard and would you hear glass shattering?

[BobnBev]

I was playing in a Charity outing and came back to my car to discover a broken windshield. The ball was sitting on the hood with a personalized name and company. I confirmed he was in the event. I sent a picture to the guy via fax. I asked for my dedudable. A lawyer called and laughing said I could not prove he was the one who hit it.

Windshields are automaticaly covered, no deductable, under FL law.

[Bogie Shooter]

This thread was beat to death with 52 posts…………should have been left for dead!🫢

[Maker]

If damage is to your home and property, you pay.
If damage is to a car going by, or parked, and they do not own home next to course, golfer pays.
If ball is deliberately hit away from where it should be hit, it can become a criminal act.

However, a responsible golfer would offer to cover the costs of damages in every case.
We know that always happens here.

[Snakster66]

Why was the car on the golf course in the first place?

Finally! The right question.

[Topspinmo]

No, just not a particularly good golfer.

Providing it was not intentional then there is no liability, either for damage to a residence or vehicle. It doesn't mean you shouldn't offer to help pay for damages while not admitting guilt.


Would that also not particularly good shot with shotgun or deer rifle also??? The shooter pulled the trigger just like the golfer? :D

[Topspinmo]

Is it "fore", "four", or "for". Why not "heads up", or "duck", or "ball", or my favorite, "incoming"?


Foul?

[jimbomaybe]

Would that also not particularly good shot with shotgun or deer rifle also??? The shooter pulled the trigger just like the golfer? :D

Years ago I was watching a talk show where a young woman ,who had been convicted of vehicular homicide , due to DWI said she didn't feel responsible because she did not intend to hurt anyone , granted a very different situation, but liability doesn't hing on intent, owning a home on a golf course I would think you are accepting some liability, driving on a public roadway considerably less, but in the real world I think you can only count on your insurance