Who pays when a golf ball hits your car?
I can't believe the odds of this, but a golf ball hit my car when I met my friend for lunch at the golf club. It caused a dent in the front hood. Who pays for the damages?
“While it may seem unlikely, damage from golf balls is common! Since you were on private property and patrons of the club’s restaurant, you can ask if the club has an insurance policy to deal with this kind of damage.
In some cases, since you were parked in a parking lot, businesses will waive liability. You’ll often see signs that say Park at your own risk or We’re not liable for damage. If you’re a club member, there could also be a stipulation in the membership rules regarding damage.
With that said, you still have options! If you have full coverage car insurance, you can submit a claim. Comprehensive insurance often covers projectiles and falling objects. Your deductible will apply, though.
If the dent costs only $100 to repair and your deductible is $250, your insurance won’t cover anything and you’d have to fix the dent out of pocket.
Should you not have comprehensive insurance or want additional coverage, try shopping around for a new policy. Adding or changing your insurance policy is a great time to look at other options. You can request car insurance quotes online yourself or try using the Jerry app. Jerry is a licensed broker that finds you the best rates for the coverage you require without the hassle of dealing with insurance companies. And the best part–Jerry does all of this for free.”
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Let Jerry’s experts help you find savings on your car insurance!
No long forms or spam · Get quotes from 40+ carriers
Read advice from car experts at Jerry
Browse by topics
What others are asking
What is the purpose of non-owners car insurance?
My mom suggested I get a non-owners car insurance policy. I don't really understand how it works and what the purpose of it is. What should I know?
Jul 30, 2021
What happens if a golf ball breaks my windshield?
I live near a driving range. It was bound to happen at some point, but a golf ball broke my windshield. Should I contact the club or my insurance to pay for repairs?
Sep 17, 2021
What happens if a golf ball hits my car while driving on a public road?
I was driving when a golf ball struck my back windshield. Is the city responsible, or do I have to make a claim on my own car insurance?
Sep 17, 2021