Driving late today past a Sydney golf course, a ball came over the wire fence and cracked the windscreen. We did not see who hit the ball but went to the golf course just as they were closing the office - while they were non committal about liability, they handed over a public incident reporting form.
There are lots of online comments about golf courses denying liability or delaying or refusing reimbursement, and of people having to resort to xCAT to get reimbursed by the golf course if they do not want to claim on their comprehensive insurance
Any advice from others who have experienced this would be appreciated - we do not have a lot of time to fight the golf course or their insurers but would prefer not to claim on our comprehensive motor insurance policy (which includes no excess windscreen claims). This is because of the inevitable effect a claim will have on future premiums, even in no fault circumstances.
Weird the club even mentioned not being liable. They all take out insurance for these exact circumstances. Have another chat to them tomorrow - escalate up with the admin staff, chances are the pro-shop staff might not be across it.