[retiredguy123]

Originally Posted by MandoMan

So, if your golf ball hits my car and dents it or breaks a window, doing, say, $800 in damage, and my car insurance has a $500 deductible, I’m supposed to cheerfully pay that $500 out of my pocket and have my car insurance rate raised or have the policy even cancelled because you can’t keep your balls where they belong? It seems to me that the golfer should bear moral responsibility, even if not legal responsibility, and cover the cost out of pocket.

I didn't say that you should cheerfully pay the deductible. In some cases, the golfer will pay, depending on the situation.