Spring is upon us (finally) and that means golf season is here! I’ve been asked by a fellow golfing companion and a club pro the following question twice in the past few weeks, so I thought it may be worthy of a short blog post.
If I hit someone or hit (and damage) their car – does my personal insurance apply or is the golf course responsible?
Fore!! Yes, if you hit the drive – you are liable for any subsequent damage. The golf course may get named in the lawsuit – if it reaches court – but they are not going to be liable for any resulting damage from a golf ball that you hit. You can try and run or hide; however, you are responsible for subsequent damages.
Coverage is afforded under the personal liability portion of your homeowners policy. Generally, no deductible applies for this coverage. If coverage is exhausted on the homeowners insurance policy, a personal umbrella policy may apply if needed. There is no coverage under your personal auto policy (another common misconception)!
As always, it’s best to consult with your insurance professional to discuss any potential claim or coverage scenarios. Furthermore, a golf lesson and some practice on the driving range may be the best way to avoid this claim scenario.