EXCLUSIVE

10:00 AM PT -- Police spoke to Murray on Friday and he's offered to pay for the damage to the phones. The phone owners were cool with that, and don't want to press any charges ... so, case closed.

Bill Murray is accused of going all Naomi Campbell on some fans who tried to take his photo in the tranquil seaside town of Carmel, CA ... and now cops are investigating.

Bill was hanging out at the Vesuvio rooftop lounge, a popular watering hole for celebs playing in the annual Pebble Beach Pro-Am golf tourney. It's going on now, and Bill is playing.

The owner of the restaurant, Scott Pepe, tells us Bill wasn't drinking ... he just got really pissed when a few patrons got starstruck and took his pic.

The fans were pretty obvious, with flashes going off only 10 feet away from Bill, according to Scott. He says Bill got so angry he got up and chucked their phones off the 2nd story rooftop.

Cops were called, but Bill left before they got there.

Scott says the incident's making him change his policy -- no phones and no pictures, since celebs come in a lot. We spoke to the Carmel PD, and they're looking into the incident.