Definatly go through insurance.
There is also the problem that if you don't go through insurance and then get your car fixed, then the golf guy says ooops I don't have the money then your insurance company can say, to bad we cannot see what was wrong so we will not foot the bill. So guess where that leaves the bill, in your hands. Sure you can sue the golf driver for the money but why go through the headaches and wasted time when you don't have to.
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