817-485-5050 info@schwabagency.com

Foul Ball Damage

Neighborhood pickup baseball or football games are a great way for your whole family to get involved. However, it can also open the door to the chance that your car gets damaged by a foul ball. If you walk home after the game to find that your car has a broken windshield or large dent, will your insurance provide coverage? Use this guide on how to file an insurance claim for any damaged caused by flying balls.

  • File an auto insurance claim – if you have comprehensive coverage as part of your auto insurance policy, you can file a claim for the damage that was caused by the foul ball. Keep in mind that you will still have to pay your deductible, so only file a claim if the repairs will cost more.
  • File a home insurance claim – if you know who threw or hit the ball that caused the damage, you can ask them to file a liability claim with their homeowners insurance. While many home insurance policies will not have a deductible to pay when filing a liability claim, it can lead to higher surcharges when they renew their policy. In many cases, paying for the damage out of pocket will be the best route to go.
  • Damage that happens at a professional game – if you are leaving a baseball game or golf course and find damage done to your car, you will most likely have to file a claim with your auto insurance policy. Even though the damage was caused by the game that was going on, you will most likely not be able to file a claim with the stadium or course, since you take on the risk of damage when you park in the lot.

For all of your insurance needs and to ensure that you have the right amount of protection for claims made due to ball damage, contact The Schwab Agency in Colleyville, Texas.

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The Schwab Agency

The Schwab Agency, LLC has over 20 years of experience within the insurance industry in our community and our goal is to bring you unparalleled service and dedication. Since the majority of our business is through long-lasting relationships with our clients, fulfilling your needs is of the highest priority.

COVID-19 Update:


Due to new increasing cases of Covid-19 our office will be closed to the general public until further notice. Our team will still be working full-time in the office and here to assist with all your insurance needs. Please contact us via phone at (817) 485-5050 or email: info@schwabagency.com.


We hope everyone is doing their part to protect themselves and their loved ones during these hard times, and thank everyone for understanding our decision to do our part to help protect our staff and those in our community.


Tim Schwab.
President and Managing Partner