Damaged car with golf ball

newuser89

I hit a golf ball into the club car park off one of the tees by accident of course,hitting a car windscreen
Am I covered through the membership insurance

bitemeluis

wasnt me

ForeRight

Did you still shoot 44 points?

newuser89

ForeRight wrote: »

Did you still shoot 44 points?

28 actually

ted1

Most policies have free windscreen replacment built in, check with the car owner

Greenmachine

ted1 wrote: »

Most policies have free windscreen replacment built in, check with the car owner

If I was the driver I would tell you to go hop. You broke, you fix it.

ted1

Greenmachine wrote: »

If I was the driver I would tell you to go hop. You broke, you fix it.

Why? It has no effect on the policy? That's what it's there for. If I was the driver I'd get it done for free by my insurance as it has no effect on your NCB.

If I was the golfer and the driver told me to pay even though they were covered I'd tell him to take a hike

newuser89

I just taught some of the membership we pay gos towards insurance for the likes of this

Riamfada

Just run away

ForeRight

Did you shout fore. If you did it's the cars fault for not ducking.

GreeBo

OP unless you opted in for the insurance you aren't covered.

Serious replies for everyone else please

Greenmachine

GreeBo wrote: »

OP unless you opted in for the insurance you aren't covered.

Serious replies for everyone else please

Exactly my own policy for example doesn't cover windscreen replacement.

ted1

Greenmachine wrote: »

Exactly my own policy for example doesn't cover windscreen replacement.

He is talking about his golf membership insurance. Most car policies will auto cover windscreens. If you don't believe me just use google

ahnowbrowncow

ted1 wrote: »

He is talking about his golf membership insurance. Most car policies will auto cover windscreens. If you don't believe me just use google

Only once or twice during the duration of the policy. So it would be foolish for the driver to use their own insurance to cover it and then a week later it gets cracked and they then have to pay for it themselves because they already claimed.

Greenmachine

ahnowbrowncow wrote: »

Only once or twice during the duration of the policy. So it would be foolish for the driver to use their own insurance to cover it and then a week later it gets cracked and they then have to pay for it themselves because they already claimed.

This is it exactly. It is good that the OP wants the damage taken care of, however others suggesting that there is only one way to deal with it are wrong.

ssbob

OP ask the club first, I assume you have already spoken to the car owner and he is anxious to get it fixed asap.

Also if the club has a sign up saying cars parked here at your own liability will mean that whoever parks there cars there knows there is a risk.

In Blarney on the 11th there is a chance of that if you hit a wild slice, I have hit the clubhouse once or twice but haven't hit a car yet!

ted1

ahnowbrowncow wrote: »

Only once or twice during the duration of the policy. So it would be foolish for the driver to use their own insurance to cover it and then a week later it gets cracked and they then have to pay for it themselves because they already claimed.

I've had mine changed about 6 times over the past 4 years not a bother. ( I spent lots if times in quarries etc)

dan_ep82

ted1 wrote: »

I've had mine changed about 6 times over the past 4 years not a bother. ( I spent lots if times in quarries etc)

Liberty only allow 2 per year, and you pay higher premium for it.

GrumpyMe

ted1 wrote: »

Why? It has no effect on the policy?...

Except the bit where they ask you "Have you had any claim(s) in the last 5(?) years?" and you have to honestly answer "YES!".
You may not be loaded by your current insurer but you more than likely will if you change insurer!

geeksauce

On a side note when I was about 12 or 13 I was down at the club during open week and this fella who I hadn't ever seen at the club before and for some reason remember thinking he must be just there for open week stood up on the first to tee off.

Obviously a bit nervous because there were so many people about watching and waiting for their tee time, but he hit a big high hook awful shot straight over the hedging just off the first tee into the car park. Couldn't see if the ball hit anything or not but there was an almighty bang clearly from the ball hitting a car, your man though just teed up a provisional hit it and walked off up the fairway never checking the car park or anything. Myself and my friend just looked at each other in disbelief that he would hit a car and stroll off up the fairway without doing anything about it.

SalthillGuy

I presume it was not intentional.....
As far as I know, you GUI insurance covers you.
There is also a separate insurance which some clubs have.
I thing it covers individuals getting hit by a golf ball.
Your provincial GUI off should be able to advise.

ozymandias10

Happened a friend of mine. the club covered the cost as the guy only had third party and hadn't windscreen cover. It was the clubs insurance that would have covered it. This was about 6 years ago

Manach

My understanding that Car Park notices about risk are for the benefit of the car park owners themselves, so as not to accrue responsibility. Offhand this removes them from the equation so it would now be a dispute in tort between the OP and car owner.

istaunton

Happened to my old man a few years ago.
Hit a wild slice into the car park and it went through the back window of one of the guys he was playing with. Was covered by the GUI insurance. THink he had to pay €50 excess.

The bonus was the ball had a big Merry Christmas logo on it

superhooper

IMO a lot of this largely depends on the individual circumstances and where liability rests. If the car park was right of the fairway 200 yards off the tee then the design of the course could be seen as being flawed and liability would be pointed at the club unless nets were in place etc. However if for example I stood up on the tee today in my own club and hit someone playing the adjacent hole to my right from a shanked shot I could well be held to be liable as I knowingly am sh88king and would be aware of the damage I could cause(I now play on my own late in the evenings:o). If you had taken the insurance cover out though I'd say they would sort it in a jiffy and they would cover the player in any case to keep costs down.

davo10

In my opinion, who should pay should depend entirely on whether the car owner is going to be disadvantaged by having the windscreen fixed. If it costs the owner either directly by having to pay for it or indirectly by effecting his policy, then the person who caused the damaged should pay for it. I also would question why the owner's car insurance company should have to pick up the bill, surely if this was caused by someone's actions, then that person should pay. OP you hit your ball into the car park, you should at the very least offer to arrange the repair whether it be through your insurance or the club's.

fred funk }{

Manach wrote: »

My understanding that Car Park notices about risk are for the benefit of the car park owners themselves, so as not to accrue responsibility. Offhand this removes them from the equation so it would now be a dispute in tort between the OP and car owner.

Those signs are rubbish and have no legal standing at all and their only purpose is to scare people (like yourself) from making potential claims.

ssbob

fred funk }{ wrote: »

Those signs are rubbish and have no legal standing at all and their only purpose is to scare people (like yourself) from making potential claims.

What back back up do you have to this statement?

fred funk }{

ssbob wrote: »

What back back up do you have to this statement?

I can get a sign made up with anything written in it, doesn't supercede any legal obligation that I may have to the public entering my premises.

Paddy Constable

Your GUI insurance should cover it.

rrpc

fred funk }{ wrote: »

I can get a sign made up with anything written in it, doesn't supercede any legal obligation that I may have to the public entering my premises.

Exactly. It's like shops saying that they will only give store credit for returned goods. They can say it till they're blue in the face but under the sale of goods acts you can have a full refund in cash if you want.

'Owners risk' signs are really only attempts to excuse negligence. If damage is foreseeable and preventable then it's the owners responsibility to ensure that it is foreseen and prevented.

ssbob

rrpc wrote: »

'Owners risk' signs are really only attempts to excuse negligence. If damage is foreseeable and preventable then it's the owners responsibility to ensure that it is foreseen and prevented.

I am not sure I believe that because surely the club is not liable if someone breaks into your car?

Negligence is negligence but if 1 ball every 6 months goes careering into the car park then surely that's not something for the club to look after as it is the exception rather than the norm.

GreeBo

rrpc wrote: »

Exactly. It's like shops saying that they will only give store credit for returned goods. They can say it till they're blue in the face but under the sale of goods acts you can have a full refund in cash if you want.

Not exactly true, its repair, replace, refund but the shops choice, not yours.