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Simple Tips for Life’s Unpredictable Moments

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 you could positively identify the guilty golfer. The golf course likely has liability insurance that may cover your loss. If you carry comprehensive coverage as part of your auto insurance, though, you’re covered* for physical damage to your vehicle caused by occurrences such as vandalism and stray golf balls.

 

*See your policy for restrictions and deductible information.

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