I am a lawyer in CT and practicein this area of the law. The  quickest way to get someone to step up to the plate here is to file a lawsuit in small claims court against BOTH the golf club and the guy that hit the car.  You can tell your story to the judge at trial and the judge will probably find one or both of them at fault and you can collect.  It seems that neither wants to pay you and will not do so until they have to.  the small claims process is easy and you will be in front of a judge within 5 months. Plus, you do not need a lawyer.