Hit in head with golf ball

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PostPosted: Mon Jun 02, 2008 4:17 pm   Post subject: Hit in head with golf ball  

I was playing golf on saturday and got nailed in the head from a golf ball. The guy never yelled four. I went to the hospitol in an ambulance and had to get a cat scan and my head stapled closed. I have a bill for $1500, should his insurance pay for this??

any help would be greatly appreciated. THX

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PostPosted: Tue Jun 03, 2008 6:54 am   Post subject:   

If you are playing a game..I believe its your own insurance thats gotta take protection rather than someone else's. I understand its costlier to get cured these days..but I don't think it was the other person's fault


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PostPosted: Tue Jun 03, 2008 7:08 am   Post subject:   

Quote:
I believe its your own insurance thats gotta take protection rather than someone else's.
NOPE.



Its all about whether the other person has sufficient insurance or not. If he doesn't have he could certainly be crestfallen.

Golf could be a problematic game for you, incase you play quite often & remain uncovered or partly covered.

Remember the appeal at the county court in UK during 1988? It clearly states that golfers are liable for their irresponsible shots that cause any damages.

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PostPosted: Tue Jun 03, 2008 8:37 am   Post subject:   

Hi..many of the regular golfers still have this misconception that they are covered under their household insurance. Irrespective of your expertise or experiences you always have this risk of injuring a person that may cause considerable injury. But what is important for the person at-fault is to know that its not being covered under household insurance at all. That is enuff to tell you that you stand the threat of paying for a potential personal liability claim. RexfrmLondon


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PostPosted: Tue Jun 03, 2008 10:26 am   Post subject:   

Quote:
Its all about whether the other person has sufficient insurance or not.
No it's not...it's all about negligence...and personally I doubt it...I've handled claims like t his in years gone by and never one time were these claims paid...if the injured party was on the course...Now had a few where the ball left the course and hit some poor person walking by...those were paid...I think you assume the risk when you decide to play on the course...Similarly to playing baseball if you will. My husband broke his jaw in a soft ball tournament many years ago....Well it sucked but he assumed the risk of softball related injuries when he agreed to play.


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PostPosted: Tue Jun 03, 2008 2:18 pm   Post subject:   

He'd need to have some type of liability policy, the most common would probably be a homeowners or renters policy. They would both provided _coverage_ coverage in this type of situation. That is, they would provide coverage to their insured.



Is the golfer liable in this situation is the question. I've never hanlded an injury claim such as this. I've handled many property damage claims from golf balls though. But I also have a lot of experience in this type if situation. In general I'd say he other person does not have liability in this case, that is, he's was not negligent. When you step onto a golf course you acknowledge the inherit risk that you could be hit by a golf ball. Getting "four" would be a good gesture but there are many reason's why someone would not do this... mainly that they just did not see that the ball was going to hit you or they did not have time to yell. Both are perfectly reasonable.



With that said, there are some states are more litigious then others and if the matter were pressed, the insurance company _might_ pay a liability claim... but it's highly doubtful.



The other person might also have Medical Payment coverage which could pay for your medical bills regardless of liability.

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PostPosted: Wed Jun 04, 2008 10:20 am   Post subject:   

Quote:
The other person might also have Medical Payment coverage which could pay for your medical bills regardless of liability.
T this might be a state specfic thing...in my neck of the woods the HO policys medpay will only kick in if the injury occurs on the insured/discribed property....We are in totally agreement re: chances of liablity being slim to none...I have had a few of these presented and always denied, with (as I mentioned) the exception of an 'innocent' off course getting whacked or a vehicle driving by and getting hit...


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PostPosted: Wed Jun 04, 2008 3:26 pm   Post subject:   

Not a state thing but a policy thing. I believe the standard ISO HO policy will provide coverage for injuries to others arising out of the actions of the insured... as well as injuries that occur on the insured's property. Two different situations. One only needs to happen on the insured's property (no matter if the insured is their or not) and the other is from the actions of the insured.

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PostPosted: Mon Oct 27, 2008 5:08 pm   Post subject: Golf  

I wish I could say yes but the answer is no. Unless you can get him to pay you are at risk when playing sports.

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PostPosted: Mon Oct 27, 2008 9:43 pm   Post subject:   

I would think that it would be your own risk to play golf. If you are hit then you have to pay the bill. Was there a sign posted anywhere? I klnow at ballparks and such aroung here they actually have signs where you are parking, entering or whatever it is at your own risk.

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PostPosted: Mon Oct 27, 2008 10:27 pm   Post subject:   

If they had ducks in the pond, could that be considered as a subliminal warning?



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PostPosted: Tue Oct 28, 2008 9:26 am   Post subject:   

That was realllllllllllllllly bad



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PostPosted: Tue Oct 28, 2008 3:04 pm   Post subject:   

Thank you, Thank you.



I'll be here all week. Don't forget to tip your servers.



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PostPosted: Tue Oct 28, 2008 10:35 pm   Post subject:   

yes thats verrryyy bad!!!! Still not behaving yourself Life?

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PostPosted: Thu Nov 06, 2008 5:20 am   Post subject:   

A few years ago, I got nailed on the left side of my chest near the shoulder with a drive hit very well. The person yelled "fore" and this caused me to turn around and look for the ball - bad idea. He should have yelled "duck". I was knocked completely off of my feet and as far as pain goes, it ranks right up there with a compound rib cage fracture.



Ironically, I never even thought of suing anyone or receiving compensation of any type - short of a beer several months later from the same guy. Because I live on a golf course, I guess I've just accepted things like this, a broken window, and a few holes in the side of my house just comes with the territory. If you live on a fault line, you'll feel more earthquakes and if you live in Miami, you'll feel more hurricanes. I would just deal with it.



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