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How does an insurance company decide if they are going to total out a car? |
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Around how much could I save switching from a $500 deductible to $1000 deductible? |
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bjorn_nitmou | If im playing golf at a golf course and I break a window of a house am I liable? |
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Dave1001
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There's a difference between liable and what's right. Liability means that somehow, your negligence caused either bodily injury or property damage. In many cases (in fact, at a course where I play) the abutting homeowners had to sign a hold-harmless agreement on the CC&R's (Codes, covenants, and Restrictions) that they had to live with flying golf balls. Many people didn't check them too closely until the balls started flying their way and they learned that the golfer who hadn't worked on his slice wasn't liable. That may not be the rule on all courses, but it is at a few. Word to the wise: read your CC&R's.
On the other hand, we need to look at what's right. If I broke someone's window out with a wicked hook, I would feel duty-bound to pay, regardless of the CC&R's. |
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acermill
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Yes, you are liable for the damage. The golf course didn't cause you to hit that ball into the window. Hence, they're not liable. Surely, the homeowner didn't ASK you to hit the ball through his window. Hence, HE'S not liable.
The person who caused the damage is liable, and that would be YOU. |
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Sue
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Yes, you are liable. You will either need to pay it out of pocket or claim it on your homeowners policy under liability (if you have worldwide liability coverage, if you only have premises liability, your homeowners policy will not cover it). |
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FrEsH
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way to go buddy.. |
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mbrcatz
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Yes. Absolutely. You did the damage. |
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Nate W
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Sue is right, you are liable and you should try to file a claim through your homeowner's insurance. |
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Jackie P
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No you are not. Ask the Pro for some lessons and you might keep the ball on he course. |
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