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It all depends, if you are playing on a Golf course as a member you will most likely have insurance, if you are a visitor, again insurance will most likely be built into the green fee. If you have paid insurance with the club you will be covered, and the insurance policy will cover any damage. If you however have not taken out insurance you will be responsible for the damage, as personal insurance policies do not cover this.

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Q: Is an individual golfer or the golf club responsible for damage if a ball hits a car on a road passing the golf club?
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