While many might think the golfer responsible for his/her errant shot, the majority of the time that is not the case. Here is a link that may help:
http://www.sjschwartz.com/golflaw.ht...om/golflaw.htm
Most of the time, absent other influencing circumstances, the mere fact that a golfer hits a shot off his/her intended line does not impose liability. When you live on a golf course, you should expect occasional errant balls. My 2cents worth.