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If Your Ball Strikes a Golf Cart, What Happens?
Like most situations in golf the answer is....It depends.

When a player’s ball in motion is accidentally deflected or stopped, we need to find out a few things in order to make the correct ruling. If your ball strikes your partner or equipment belonging to either of you, or your caddies, you will be penalized. In match play you lose the hole; in stroke play you incur a two-stroke penalty and will then play the ball as it lies.

In either form of play if an outside agency were to stop or deflect your ball, there is no penalty to anyone and you would play the ball as it lies, unless your stroke had been made on the putting green in which case you must cancel and replay without penalty.

Finally, if you are playing a match and your ball strikes your opponent, his caddie or equipment, you get a choice. You may decide to cancel and replay the stroke or just keep playing from where the ball came to rest. No one is penalized and your decision has to be made before anyone plays another stroke.

Imagine you are playing a match and your chip shot is a bit too strong and hits your opponent's clubs and bounces into a water hazard, you say "I will try that again, thank you." Conversely, when you hit your opponent's clubs and the ball rolls into the hole, ALL SKILL.