[OCsun]

[quote=Bogie Shooter;792706]

Originally Posted by 2BNTV

The golfer is not legally responsible for breaking a window on a home along a fairway..................why would they be legally responsible for hitting a car?
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ALSO

Source: I live in the state of Florida. Is all auto glass covered?


Question

I live in the state of Florida. Is all auto glass covered under the comprehensive coverage?

Answer


Yes, auto glass would be covered under the Comprehensive portion of your Florida auto insurance policy.

Comprehensive coverage covers your vehicle, and other vehicles (in limited scenarios) you may be driving, for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. Your vehicle's glass breakage and damage done due to vandalism are also covered under Comprehensive coverage. It pays to fix your vehicle less the deductible you choose.

However in Florida for some glass breakage claims the deductible is waived. As the Florida insurance regulator, FL Department of Financial Services, notes on their site, your insurance company will not assess your deductible to replace your front windshield. Florida law requires this waiver in order to encourage drivers to replace cracked or broken windshields immediately to avoid a major driving hazard.



The wording of the Florida Statute, 627.7288, reiterates what the state's insurance regulator notes by the law saying that the deductible is waived only for windshield glass. The basics of this statute states that the deductible provisions of any Florida motor vehicle insurance policy, providing comprehensive or combined additional coverage, shall not be applicable to damage to the windshield of any motor vehicle covered under such policy.

Current Florida statute states: Comprehensive coverage; deductible not to apply to motor vehicle glass. The deductible provisions of any policy of motor vehicle insurance, delivered or issued in this state by an authorized insurer, providing comprehensive coverage or combined additional coverage shall not be applicable to damage to the windshield of any motor vehicle covered under such policy.

So in FL your front windshield being replaced or repaired using your Comprehensive coverage would mean that your deductible would be waived. Your Comprehensive coverage also covers other glass on your vehicle, such as your side window and back window however for claims regarding these other areas of glass on your car your deductible amount would be due.

Thanks for this information Bogie Shooter! It really clears up a lot of questions I had. My friend was quite shock up when talking to the insurance claim office, so I took the phone from her to ask some questions on her behalf. I questioned waving the deductible for car windows and was told she had never heard of it before. It would have been helpful if she stated it applied to only the front windshield.

To all other posters: I am a golfer and I posted this information to make others aware of this situation and know that it can and does happen. Just because it has never been posted before does not mean it has never happened. Please be extra careful when teeing off next to the road! I know, I have hit really close to the road before and thanked The Lord I did not hit a car. Not for financial reasons either.

[Cedwards38]

Originally Posted by jfmajer

If you live in Florida, Kentucky, Massachusetts, or South Carolina you live in what's called a "Zero Deductible State". That means that your insurance company is required by law to allow you to purchase a windshield replacement using insurance with no deductible as long as you have comprehensive insurance on your vehicle. If you live in one of these states, and have comprehensive insurance, it makes sense to use your insurance to pay for your auto glass replacement.

And as an aside, it's also against the law for the insurance company to raise your rates due to auto glass breakage.

[JB in TV]

Originally Posted by Bogie Shooter

No. I said legally responsible. Morally is a different story, many golfers would offer to pay for the broken window.

Thank you for clearing this up for me. The legal portion seems wrong to me, but I guess there are alot of things I see as wrong these days. Sigh

[NECHFalcon68]

Originally Posted by JB in TV

Thank you for clearing this up for me. The legal portion seems wrong to me, but I guess there are alot of things I see as wrong these days. Sigh

Like a baseball player being held harmless if a foul ball hits a person in the stands?

[Golfingnut]

Originally Posted by gomoho

well now - isn't that an interesting dilemma??? Do you expect damage if you drive on a road that runs along a golf course like if you buy on a golf course. Hopefully these situations are few and far between, but they do happen and who do you think is responsible???

god

[cabo35]

Last year, my wife and I were returning from playing Bonifay. We were northbound on Morse riding alongside the ninth hole of Havana's Kenya. An errant golf ball from the tee slammed into the windshield of our golf cart, dead center drivers side, shattering it. It was like getting hit with a pumpkin ball from a shotgun. I drove on the path close to the tee where the foursome was speechless. The guilty golfer was obvious and apologized. It was apparent he fully expected an angry rant. I told him he needed to work on his hook and that it might be the result of an inside out swing path. I wished them a good round and drove home. What I didn't mention is that I've actually hooked one there myself.

I accept the fact the accident was unintentional. That sounds redundant. I guess I could have made an issue but it's not my style. We replaced the fold down windshield and keep it up.

The one valuable lesson learned from my experience is to DRIVE YOUR CARTS WITH THE WINDSHIELD UP. That golf ball had the velocity of a missile fired from a weapon and in my opinion could have been fatal if not for the windshield.

I hope this unsolicited safety tip prevents someone from sustaining serious injury.

Have fun, play safe.

[Bogie Shooter]

Originally Posted by cabo35

Last year, my wife and I were returning from playing Bonifay. We were northbound on Morse riding alongside the ninth hole of Havana's Kenya. An errant golf ball from the tee slammed into the windshield of our golf cart, dead center drivers side, shattering it. It was like getting hit with a pumpkin ball from a shotgun. I drove on the path close to the tee where the foursome was speechless. The guilty golfer was obvious and apologized. It was apparent he fully expected an angry rant. I told him he needed to work on his hook and that it might be the result of an inside out swing path. I wished them a good round and drove home. What I didn't mention is that I've actually hooked one there myself.

I accept the fact the accident was unintentional. That sounds redundant. I guess I could have made an issue but it's not my style. We replaced the fold down windshield and keep it up.

The one valuable lesson learned from my experience is to DRIVE YOUR CARTS WITH THE WINDSHIELD UP. That golf ball had the velocity of a missile fired from a weapon and in my opinion could have been fatal if not for the windshield.

I hope this unsolicited safety tip prevents someone from sustaining serious injury.

Have fun, play safe.

A class act.

[JB in TV]

Originally Posted by NECHFalcon68

Like a baseball player being held harmless if a foul ball hits a person in the stands?

Well, see in that situation, the fan has agreed to hold harmelss the stadium owners and the players, (etc) when paying for the ticket and agreeing to the terms of entering the privately owned stadium.

[Skip2MySue]

Originally Posted by cabo35

Last year, my wife and I were returning from playing Bonifay. We were northbound on Morse riding alongside the ninth hole of Havana's Kenya. An errant golf ball from the tee slammed into the windshield of our golf cart, dead center drivers side, shattering it. It was like getting hit with a pumpkin ball from a shotgun. I drove on the path close to the tee where the foursome was speechless. The guilty golfer was obvious and apologized. It was apparent he fully expected an angry rant. I told him he needed to work on his hook and that it might be the result of an inside out swing path. I wished them a good round and drove home. What I didn't mention is that I've actually hooked one there myself.

I accept the fact the accident was unintentional. That sounds redundant. I guess I could have made an issue but it's not my style. We replaced the fold down windshield and keep it up.

The one valuable lesson learned from my experience is to DRIVE YOUR CARTS WITH THE WINDSHIELD UP. That golf ball had the velocity of a missile fired from a weapon and in my opinion could have been fatal if not for the windshield.

I hope this unsolicited safety tip prevents someone from sustaining serious injury.

Have fun, play safe.

And I think that's exactly like it should be handled. We're all aware that mistakes happen. Common sense should prevail.
Skip 2

[keithwand]

Originally Posted by cabo35

Last year, my wife and I were returning from playing Bonifay. We were northbound on Morse riding alongside the ninth hole of Havana's Kenya. An errant golf ball from the tee slammed into the windshield of our golf cart, dead center drivers side, shattering it. It was like getting hit with a pumpkin ball from a shotgun. I drove on the path close to the tee where the foursome was speechless. The guilty golfer was obvious and apologized. It was apparent he fully expected an angry rant. I told him he needed to work on his hook and that it might be the result of an inside out swing path. I wished them a good round and drove home. What I didn't mention is that I've actually hooked one there myself.

I accept the fact the accident was unintentional. That sounds redundant. I guess I could have made an issue but it's not my style. We replaced the fold down windshield and keep it up.



The one valuable lesson learned from my experience is to DRIVE YOUR CARTS WITH THE WINDSHIELD UP. That golf ball had the velocity of a missile fired from a weapon and in my opinion could have been fatal if not for the windshield.

I hope this unsolicited safety tip prevents someone from sustaining serious injury.

Have fun, play safe.

You are a gentleman.

[duffysmom]

Originally Posted by cabo35

Last year, my wife and I were returning from playing Bonifay. We were northbound on Morse riding alongside the ninth hole of Havana's Kenya. An errant golf ball from the tee slammed into the windshield of our golf cart, dead center drivers side, shattering it. It was like getting hit with a pumpkin ball from a shotgun. I drove on the path close to the tee where the foursome was speechless. The guilty golfer was obvious and apologized. It was apparent he fully expected an angry rant. I told him he needed to work on his hook and that it might be the result of an inside out swing path. I wished them a good round and drove home. What I didn't mention is that I've actually hooked one there myself.

I accept the fact the accident was unintentional. That sounds redundant. I guess I could have made an issue but it's not my style. We replaced the fold down windshield and keep it up.

The one valuable lesson learned from my experience is to DRIVE YOUR CARTS WITH THE WINDSHIELD UP. That golf ball had the velocity of a missile fired from a weapon and in my opinion could have been fatal if not for the windshield.

I hope this unsolicited safety tip prevents someone from sustaining serious injury.

Have fun, play safe.

I like your style. My windshield will always be up from now on.

[golf2140]

Originally Posted by cabo35

Last year, my wife and I were returning from playing Bonifay. We were northbound on Morse riding alongside the ninth hole of Havana's Kenya. An errant golf ball from the tee slammed into the windshield of our golf cart, dead center drivers side, shattering it. It was like getting hit with a pumpkin ball from a shotgun. I drove on the path close to the tee where the foursome was speechless. The guilty golfer was obvious and apologized. It was apparent he fully expected an angry rant. I told him he needed to work on his hook and that it might be the result of an inside out swing path. I wished them a good round and drove home. What I didn't mention is that I've actually hooked one there myself.

I accept the fact the accident was unintentional. That sounds redundant. I guess I could have made an issue but it's not my style. We replaced the fold down windshield and keep it up.

The one valuable lesson learned from my experience is to DRIVE YOUR CARTS WITH THE WINDSHIELD UP. That golf ball had the velocity of a missile fired from a weapon and in my opinion could have been fatal if not for the windshield.

I hope this unsolicited safety tip prevents someone from sustaining serious injury.

Have fun, play safe.

:b igbow:

[gomoho]

I don't understand the references to a "golf cart". I believe the OP said the person on Buena Vista was in their car - not their cart.

[graciegirl]

Originally Posted by cabo35

Last year, my wife and I were returning from playing Bonifay. We were northbound on Morse riding alongside the ninth hole of Havana's Kenya. An errant golf ball from the tee slammed into the windshield of our golf cart, dead center drivers side, shattering it. It was like getting hit with a pumpkin ball from a shotgun. I drove on the path close to the tee where the foursome was speechless. The guilty golfer was obvious and apologized. It was apparent he fully expected an angry rant. I told him he needed to work on his hook and that it might be the result of an inside out swing path. I wished them a good round and drove home. What I didn't mention is that I've actually hooked one there myself.

I accept the fact the accident was unintentional. That sounds redundant. I guess I could have made an issue but it's not my style. We replaced the fold down windshield and keep it up.

The one valuable lesson learned from my experience is to DRIVE YOUR CARTS WITH THE WINDSHIELD UP. That golf ball had the velocity of a missile fired from a weapon and in my opinion could have been fatal if not for the windshield.

I hope this unsolicited safety tip prevents someone from sustaining serious injury.

Have fun, play safe.

And a scholar. A gentle good lad.