Join Date: May 2009
Location: Winnipeg, Manitoba, Canada
I think it's very important for everyone to realize that, as has been stated, a waiver does not carry any guarantees. Depending on the degree of injury, and how it happened, a court can still decide in favor of the plaintiff. Often, it doesn't even have to do with anything personal, but if you're in the US and get seriously injured riding someone elses horse, who's going to pay for your medical coverage? If it were me, I'd personally feel guilty if someone got hurt riding my horse, regardless of how it happened, and couldn't pay the medical bills.
I'm not sure how insurance works in the US, but here in Canada the horses are tacked onto the house insurance. Did you know if your horse gets loose and hit by a car, YOU are responsible for the damages caused to the person driving and his/her car? It's a lot of little things horse owners don't realize.
Insurance really is the best way to go. Insurance not only reimburses the cost of the horse if something happens in an accident, but also covers the cost of you being sued. Waivers are still a good thing to help, but they DON'T protect you, so don't fool yourself into believeing a piece of paper will get you out of hot water even if the resulting accident was 100% the fault of the rider. It was your property and your horse, so just be prepared.
I hope God tells her to smash her computer with a sledgehammer.