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    My buddies golf ball struck a car

    My question is, could my friend use home owners insurance to cover the costs to replace a new window due to an errant golf ball striking someone’s window?

    I told him to simply pay out of pocket to cover the damages, but due to it being a sporty car, plus the driver not wanting to file it under their insurance, it will cost $2,300 out of pocket.

    Can anyone provide guidance?

    My buddies golf ball struck a car
    byu/AlternativeOk1323 inInsurance



    Posted by AlternativeOk1323

    View 8 Comments

    8 Comments

    1. SorbetResponsible654 on

      Yes, HO would most likely cover that. However, there is probably at least a $500 deductible, perhaps $1000. If this is a windshield _maybe_ I could see that. But any other window on a vehicle, probably not. Also, are you sure 1) your fiield is liable and 2) that it’s not a state that waives a comprehensive deductible on on a 1st party auto glass claim?

    2. 19Stavros on

      Was it at a golf course or driving range… or some other place where errant golf balls are expected? If I were your friend I might not be so quick to admit fault. If there is a claim and your friend’s carrier covers it, it would be under his Liability with no deductible. But his premiums would almost certainly go up. If I were him I’d pay out of pocket or maybe offer to pay half.

    4. AlextheSculler on

      Would the course not have liability?  If you are a customer of the venue and using it as intended, isn’t that on the course owners for not having nets up? 

    5. Donnaandjoe on

      Hold on! The golf course has liability insurance for this. Unless it was intentional. (Yes, that happens. )

    6. Deadly3ffect on

      Do not use insurance for this. A home loss in this market will not only massively increase his rate, with a lot of insurers it could also make him ineligible for the next five years. For $2300? He will pay that back to the insurance company and some within a couple years. Insurance is for catastrophic events not a broken windshield.

    7. DankyTheChristmasPoo on

      So many moronic answers. OP, it depends on the state, more likely than not he’s not liable and owes $0. Again state dependent.

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