What to Do if Your Car is Hit by a Golf Ball
Ever drive or park by a golf course? Find out what to do if your car is struck by an errant ball.
Q. Several times a day I travel a road that runs parallel to a golf course. If my car is hit by a stray ball, should I pull over and get the golfer’s insurance information?
A. Technically, the golfer whose ball hit your car is responsible for any damage. However, it’s unlikely that you could positively identify the guilty golfer, especially because you had your eyes on the road (we hope) and not on the course. The golf course probably has liability insurance; it may cover your loss. The good news is that if you carry comprehensive coverage as part of your auto insurance, you’ll be covered* for physical damage to your vehicle caused by things such as vandalism and stray golf balls.
*See policy for restrictions and deductible information.