This is not an ethics question. You assume the risk when you buy on a golf course and you get the benefit of living on a golf course. If a business owner gets the benefits of owning a business is it an ethics question if an employee breaks a piece of equipment and doesn't pay for it? of course not the business owner accepts the risk when they start the business in order to reap any potential reward.

Hi Cantwaitoarrive: This is an excellent time to insert the adage

"It depends on whose ox is being gored."

Beside which your comparison is incongruent. For one thing there is no legal relationship between a golfer and the homeowner who incurs damage.

As to ethics. Many of us know many golfers who often hit errant balls. They well know they are likely to hook or slice.

Ethics is involved in most of our decisions.

Finally there actually are some residents here who believe that people who buy on a golf course deserve what they get. I find this attitude mean spirited.

Personal Best Regards:

I'm very surprised that some people feel this way. I think most of us were taught by our parents that we if we break or damage something, even accidentally, it's our responsibility to fix it or replace it.

Other
 

So what if you hit a person walking down the multimodal path and send them to the hospital. You pay?
What if you hit a car out on 466A? You pay?
Do those people assume a risk when they walk or drive by a golf course?

I'm pretty sure that any ethical person wouldn't drive quickly away and pretend it didn't happen!

Hearsay.... it is all I got
 

<hearsay>

Let me say, I have no first hand knowledge, I share the story as it comes to me from a good friend who has played golf with the person telling the story. Maybe someone knows the person? I offer nothing else at this time....

My friend told me of a guy that told him <I know how that sounds :)>, he was being sued because his tee shot on number nine at Havana, Kenya hit a woman on a bicycle on the multi-modal. When he told me I said NO WAY, cannot be.....

Some time later (year+) he said you remember I told you about the guy being sued? I said yeah. My friend said, I saw him again and the insurance company had settled with the woman for quite a hefty sum. I still told him he was nuts but we are still good friends :laugh:

The person sued also adds that the day he hit her, he felt awful and went over the fence and asked if she was OK. She said she was fine, they laughed, they talked for a bit and then she rode off very friendly.... hmmmmmmm.

</hearsay>

No, the insurance co pays, that's why you buy it.

And also to learn new words....

Different - if you damage a car in the parking lot you ARE responsible. We've already established that on a golf course you are not.

I've used this argument many times but here it goes again. Let's say that you have tons of ethics and you hit a ball into a window. You approach the owner and say "I know I'm not obligated but my upbringing was so righteous that I need to offer to pay for the damages". The owner says "You are a fine upstanding man and I appreciate the offer. I will take you up on it." "No problem" you say. Then the owner says "that will be $2000". You say "WHAT?". The owner says "Well it's $150 for the window but the ball also knocked down and broke and antique vase by the window".

Now you, being so righteous with such great ethics and upbringing say ?????.

This scenario is not outrageous. The point is that you should pay for things that you are responsible for. Anything beyond that and you now have to put a price on how much your ethics mean to you. What instead of 2K it was 20K or.... Where is your limit?

What insurance paid? The golfer's homeowner's insurance? The golfer's personal liability? Just curious. I didn't realize I had insurance for when I hit a golf ball.

Whose insurance co? The walker or the golfer? Homeowner's? Auto? Just curious.

read my original post. state farm refused to pay anything.

I would guess your homeowner policy would pay as well as your umbrella policy.
That is a guess. Contact the insurance company. However, this thread is about windows.

What would you teach your kids if they broke a window? Run?

the claim probably wouldn't be more than $150. so whomever pays he or me our deductible would kick in and the insurance co would bow out!

Is there a statute of limitations on breaking a window? Just wondering, I busted one when I was ten and ran home without getting caught. Now y'all got me feeling all bad. Wonder if that little old lady still lives there.