Who pays for the damage when a ball hits your car?

A golf ball hit my car while it was parked near a course. Who's responsible for the damage?

Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Parking at a golf course typically comes with a waiver since it’s incredibly common for damage to occur. Even the best golfer can sometimes hit a stray ball!
If that’s the case, the person responsible may not even know they hit your car. If they did, they may leave a note with their information. If they didn’t leave a note, you’ll be responsible for the damage.
You can submit a claim to your
car insurance
company if you have comprehensive coverage.
Comprehensive coverage
protects your vehicle from a variety of perils, including broken glass and falling objects.
Be mindful that you’ll be responsible for your deductible before your insurance coverage kicks in. If the cost of your damage is less than your deductible, you’ll be responsible for the full amount.
You could also ask the golf course to help pay for the cost of repairs if they have a policy for damage.
If you end up paying out of pocket for the damage, consider changing your insurance policy. You may need to add coverage or alter your deductible to ensure you’re getting the proper coverage you need.
You can reach out to your current insurance company about changes or you can use the
app. Jerry is a licensed broker that gathers quotes and helps you switch policies for free.”
View full answer 
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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