Fore! If you play golf or live on or near a golf course, your car is at risk for being damaged by an errant golf ball. Read on to learn more!

Car Insurance Claim

If you have comprehensive coverage on your car insurance, you can file a claim. Your comprehensive deductible will apply. If the damage sustained to the vehicle is lower than the deductible.

Insurance Rates

Many insurers start surcharging if you file three comprehensive claims in a three year period,but some insurance carriers surcharge for all claims. It is best to check with your insurance carrier to verify how they handle surcharging for different types of claims.

Deductible

The deductible can be a cheaper way to go for the person who caused the damage if they are willing to step forward and assist. Unfortunately, you are going to have a hard time forcing the at-fault person to pay up. If they are unwilling to take responsibility, you will be on your own—unless you want to pursue the issue in small claims court.

Homeowner’s Policy

The at-fault party can file a claim on their homeowner’s policy for liability if the incident occurred on their property. Many home policies do not have a deductible on liability. However, the surcharge on a home policy can be steep at your next renewal due to filing a claim, and this surcharge can last three years on home insurance policies.

Source: https://www.thebalance.com/a-ball-hit-my-car-who-pays-527192

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