Car Insurance Quotes Get direct car insurance quotes. Enter your ZIP code:
CarInsurance.com
CarInsurance.com Navigation

Get Free Quotes Now

Zip Code:
Save With CarInsurance.com!
Car Insurance Learning Center  Learning Center  Auto Insurance Questions & Answers   Questions & Answers  Professional Answers   Professional Answer

Car Insurance Question  A golf ball shattered the back windshield of my car while parked in the golf course parking lot. Who is responsible and why?

The person that hit the golf ball and broke your windshield would be the person ultimately responsible for the breaking of your windshield. They are the one whose actions caused your back windshield to be shattered.

If you do not know who the person is that hit the ball into your car's back glass, then you can ask the golf course if their insurance will pay for your damages but typically this would be excluded. The golf course parking lot likely has a sign stating that owner of vehicles are responsible for their cars being parked there and they cannot be held liable.

If you are in the position of not knowing who hit the golf ball into your vehicle and if the golf course will not take responsibility for the damages then you will likely need to put in a claim with your physical damages portion of your insurance policy.

Comprehensive coverage will normally cover glass breakage. You will need to pay the deductible associated with this coverage (unless you are in a state that waives the deductible for glass replacement) but would be able to get your back glass repaired or replaced.

Related Questions
Car Insurance RelatedI rented a car in Arizona. When I returned it, there was a chip in the windshield. They are telling me that windshield insurance is mandatory. What is the law on Arizona windshield insurance coverage?
Car Insurance RelatedDoes a claim for windshield replacement cause your insurance premium to go up?
Car Insurance RelatedI recently filed a claim to have my cracked windshield replaced. I had been planning to switch auto insurance providers. How long do I need to wait after filing a claim with my current auto insurance...
Car Insurance RelatedThis question is regarding a golf cart. My golf ball was on green, my friend who was playing with me has a golf cart and he asked me to drive the cart towards the green. I accidentally placed my foot...
Car Insurance RelatedI live in Florida and my rear window was smashed in at my house. Do I have to pay the deductible?
Car Insurance RelatedAuto Glass question for the state of Massachusetts. When a windshield has to be replaced, is there full glass coverage? Do you have a copy of the law?
Car Insurance RelatedIf I'm pulling a metal stake out of the ground with my truck and the chain comes loose, snaps back and hits my windshield and hood causing damage, would that be covered by comprehensive or collision?
Car Insurance RelatedWhere can I purchase insurance for just my golf cart?
Car Insurance RelatedI was driving down the highway at a speed of 65 when out of nowhere a 2x4 piece of wood came at me and struck my grill and left bumper. Am I responsible for the $500 deductible on this accident? I w...
Car Insurance RelatedI was at a Florida golf course and hit a ball that hit the windshield of a city police car as it was driving down the road parallel to the fairway. Am I required by Florida law to pay for repairs or s...
Car Insurance RelatedI have a 1995 Volvo 960 wagon that has glass headlights. A stone from a dump truck hit the lens and cracked it. The lens is not broken but the crack is about eight to ten inches long. A replacement un...
Car Insurance RelatedMy windshield was broken this morning and I have heard other people say in Kentucky you do not have to pay a deductible to get it fixed, but I only have liability coverage on my car. Will I have to p...
Car Insurance RelatedMy windshield was cracked by a golf ball while I was driving on county road that was near the golf course. Is the golf course liable for the damage since I do not know who hit my car? The golf course...
Car Insurance RelatedI reported a cracked windshield to my insurance company. The representative asked me if the crack was as large as a dollar bill. After I told him no, he said that the company would pay for a repair...
Tell us what you think about this answer.
What did you think of this question and answer?

poor 
1
2
3
4
5
6
7
8
9
10

 excellent
Tell us why you rated this car insurance question and answer this way:
Visitor Comments
car insurance commentsAs long as the person hitting the golf ball was not intentionally aiming at the car and the resulting bad shot was simply an error, their is no liability for the golfer.
car insurance commentsYou have completly ignored the assumption of risk. Check you case law to learn more of a response.
Question Details
This car insurance question was asked on 8/10/2006
This auto insurance answer was last updated on 8/18/2006
Craig requested this car insurance solution.
Rated 1 out of 10 based on 4 votes.
Claims
Print Car Insurance Answers Print this car insurance question and answer
Email Car Insurance Answers Email this auto insurance answer
Disclaimer: Answers and comments provided are for information purposes. They are not intended to substitute informed professional advice. These responses should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. Please refer to your insurance policy for specific coverage and exclusion information. Please read our Terms Of Use.
©2008 CarInsurance.com, Inc. - Online Insurance Marketplace™
safe and secure auto insurance   better business bureau car insurance    verified hacker safe and secure car insurance