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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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