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Lacessit

A nasty experience

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How does a drive ... presumably the caddie is not directly in your line of fire, presumably the impact of the ball diminished by distance traveled  ... hit a forehead and cause two black eyes ?

 

Is this perhaps a game of golf played with the kind of non-lethal projectile firing weapons sometimes used in riot control ?

 

~o:37;

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There is no need for specific golf insurance if one is already insured for ones residence. A homeowner, or condominium owner or tenant insurance policy should have an insuring section called Public Liability or Personal Liability insurance. It responds when one is legally liable for property damage or bodily injury to third parties.

 

For example, a basic residential policy will provide a section for Public Liability Insurance, total limit of 300,000 to 2 million baht in  the policy term for  third party property damage and/or medical expense and death and will often have a section for voluntary medical expense payments up to 25,000  at an annual cost of anywhere from 200 baht to 1000 baht depending upon the limit.

 

It is an unreasonable expectation for a golf course to place insurance for the conduct of if golfers. Not only unreasonable but not prudent as it creates a significant moral hazard for  golfers to try and commit fraud. Does one expect an apartment  building owner to place insurance for the benefit of tenants?  A restaurant to place insurance on behalf of its diners?  Golfers like tenants and restaurant customers are all responsible for their own  conduct.  The golf course cannot control the golf swing of a golfer, nor can it give a golfer common sense. The golf course can only insure for the risks of its own operations, not the activities of third parties. If the caddie was responsible for an injury then the golf course could be pursued. Good luck on a farang suing for that in Thailand.

 

Check your personal insurance and you may be  delighted to discover that you are already insured.

 

Edited by geriatrickid

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2 minutes ago, geriatrickid said:

There is no need for specific golf insurance if one is already insured for ones residence. A homeowner, or condominium owner or tenant insurance policy should have an insuring section called Public Liability or Personal Liability insurance. It responds when one is legally liable for property damage or bodily injury to third parties.

 

For example, a basic residential policy will provide a section for Public Liability Insurance, total limit of 300,000 to 2 million baht in  the policy term for  third party property damage and/or medical expense and death and will often have a section for voluntary medical expense payments up to 25,000  at an annual cost of anywhere from 200 baht to 1000 baht depending upon the limit.

 

It is an unreasonable expectation for a golf course to place insurance for the conduct of if golfers. Not only unreasonable but not prudent as it creates a significant moral hazard for  golfers to try and commit fraud. Does one expect an apartment  building owner to place insurance for the benefit of tenants?  A restaurant to place insurance on behalf of its diners?  Golfers like tenants and restaurant customers are all responsible for their own  conduct.  The golf course cannot control the golf swing of a golfer, nor can it give a golfer common sense. If the caddie was responsible for an injury then the golf course could be pursued. Good luck on a farang suing for that in Thailand.

 

Check your personal insurance and you may be  delighted to discover that you are already insured.

 

I highly doubt if your residence’s public liability insurance would cover any 3rd party claims outside of your residence. Going by your reckoning, motor vehicle owners won’t need the porobo cumpolsory insurance. 

 

I imagine that most golf courses would have public liability insurance but this would be to insure against claims by the general public in the event of an accident such as tripping on a door sill or on a slippery patch of floor. Caddies would by definition be “employees” of the club and I’m not sure if they would be covered by the club’s PL insurance 

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56 minutes ago, robblok said:

I thought it was a golf course not a go go bar, so what does the age of girls matter for the game. Would their skills not be more important if your really wanted to play golf ? Or is golf some kind of code word for sex ?

 

If I am going to be standing shoulder to shoulder, be in close proximity to a member of the opposite sex, foraging about in the bushes and strolling down tree lined boulevards for anything from 4-6 hours, I would be more than happy to forego a few stokes due  to misread lines if my companion were a young nubile nymph. It would also be a lot easier to smile and say mai bpen rain when you plonk your sweetly struck 7 iron into the lake in front of the green without realizing that she actually handed you an 8 iron instead. 

 

I was told also that in some clubs, the caddy might occasionally accompany you to the 19th hole though I have no personal experience of this. 

 

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10 minutes ago, mikey88 said:

1000 seems a little stingy...

I was going to mention that but the OP is my pen pal up north and I didnt want to offend him....

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You should spend the insurance money on golf lessons 

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15 hours ago, Lacessit said:

The Thai expression is "Bow". The caddies are supposed to shelter behind trees as we hit off, and she didn't. Doesn't matter, I am still liable.

Don't caddies usually stand behind the golfer when they're playing the ball?

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1 hour ago, Gweiloman said:

 

If I am going to be standing shoulder to shoulder, be in close proximity to a member of the opposite sex, foraging about in the bushes and strolling down tree lined boulevards for anything from 4-6 hours, I would be more than happy to forego a few stokes due  to misread lines if my companion were a young nubile nymph. It would also be a lot easier to smile and say mai bpen rain when you plonk your sweetly struck 7 iron into the lake in front of the green without realizing that she actually handed you an 8 iron instead. 

 

I was told also that in some clubs, the caddy might occasionally accompany you to the 19th hole though I have no personal experience of this. 

 

Shoulder to shoulder?

Either you're really short or not great at identifying ladyboys!!

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3 hours ago, shy coconut said:

Don't caddies usually stand behind the golfer when they're playing the ball?

Either at a 90 degree angle at the back or front of the golfer. Standing directly behind the golfer as they hit is a breach of rule, as that's construed as ensuring the golfer is aligned correctly. It's permissible to assist with alignment; however, the person must step away before the stroke is played.

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3 hours ago, mikey88 said:

1000 seems a little stingy...

I was under no obligation to give her anything, and she should not have been where she was. What amount would you suggest?

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3 hours ago, sanemax said:

You should spend the insurance money on golf lessons 

I've been playing golf for more than 60 years. Formerly at championship level. IMHO  I don't really need them.  Happy to give you a golf lesson if you want.

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12 minutes ago, Lacessit said:

I've been playing golf for more than 60 years. Formerly at championship level. IMHO  I don't really need them.  Happy to give you a golf lesson if you want.

Can you hit a curveball then?

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