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Horse Insurance

This is a discussion on Horse Insurance within the Horse Law forums, part of the Horse Resources category
  • Horse kicked car insurance coverage
  • Horse forum Insurance 2012

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    01-08-2012, 02:38 PM
  #11
Foal
You get the same thing if you join USEF
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    01-08-2012, 03:18 PM
  #12
Weanling
insurance

Anyone know the law re, horse insurance in the uk I drive on the road at least 5 days a week,never really thought about it
     
    01-08-2012, 05:35 PM
  #13
Showing
Quote:
Originally Posted by kcscott85    
You get the same thing if you join USEF
Posted via Mobile Device
Oh wow I had no idea! I will definitely look into it! Thank you so much :)
     
    02-01-2012, 09:13 AM
  #14
Started
I reccomend talking to the insurance company you are already dealing with for your house, It may just be where I live but our horse insurance is paid for as the same time as our house and car insurance. It's a very little amount of money but there are some rules that go along with it. (For example, they will stop insuring my horse if I get into competing for cash)
     
    02-01-2012, 09:23 AM
  #15
Green Broke
Quote:
Originally Posted by tomhenson    
Hi,

Do people have insurance for their horse that covers them whilst on the road for damage against cars.

Heard on the radio today that people are kicking off at us riding on the roads and then I thought, hmm do I need insurance to cover me against a car accident?

Thanks in advance,

Tom
In the state of Maine, horses have the right of way on the road. If an accident occurs, the driver will be at fault and responsible. Though I do not recommend taking any chance this could happen.
     
    02-01-2012, 09:35 AM
  #16
Green Broke
Your horse getting out and getting hit doesnt automatically make you liable for the vehicle damages. That is false info that keeps popping up on this thread. Lots of other things are involved like the condition of your fence. Negligence has to be proved. SOme states you arnt required to even have a fence.
If a drunk hit my horse in the road I would be calling the cops ASAP, if he was drunk enough to hit a horse he was drunk enough to kill someone and shouldnt be driving at all. Most likely they would have had to pay all the bill any way.
If you are actually riding the horse on a road in VA, if you have a refelective vest on, cars are required by law to maintain a certain distance, so you'd have to pull out in front of them basically. Not sure how that would alll pan out in liability issues. Seriously though based on what I have found out if you have horses on you property or anything remotely considered as being a farm, or even just a ferw acres you need to see a company that sells farm policies instead of homeowners.
The reason horse liability insurance is so cheap is because there are very few and extreme circumstances where you are held liable.
For instance if your horse kicks a car in an area a reasonable person would expect a horse to be, like a fair, or a trail head parking area. That would be a claim on the owners comprehension same as if a tree fell on it.
If you are on a horse in an area with big signs up that say NO HORSES and it kicks a car you may be held liable. At least in VA, like I said other states may be different.
     
    02-07-2012, 01:45 AM
  #17
Yearling
Quote:
Originally Posted by Joe4d    
your horse getting out and getting hit doesnt automatically make you liable for the vehicle damages. That is false info that keeps popping up on this thread. Lots of other things are involved like the condition of your fence. Negligence has to be proved. SOme states you arnt required to even have a fence.
If a drunk hit my horse in the road I would be calling the cops ASAP, if he was drunk enough to hit a horse he was drunk enough to kill someone and shouldnt be driving at all. Most likely they would have had to pay all the bill any way.
If you are actually riding the horse on a road in VA, if you have a refelective vest on, cars are required by law to maintain a certain distance, so you'd have to pull out in front of them basically. Not sure how that would alll pan out in liability issues. Seriously though based on what I have found out if you have horses on you property or anything remotely considered as being a farm, or even just a ferw acres you need to see a company that sells farm policies instead of homeowners.
The reason horse liability insurance is so cheap is because there are very few and extreme circumstances where you are held liable.
For instance if your horse kicks a car in an area a reasonable person would expect a horse to be, like a fair, or a trail head parking area. That would be a claim on the owners comprehension same as if a tree fell on it.
If you are on a horse in an area with big signs up that say NO HORSES and it kicks a car you may be held liable. At least in VA, like I said other states may be different.
You're right, there is an awful lot of blanket statements made about equine liablity.
Everyone should take the time to read the laws for their state (or states they travel to). E.g. In some states if you visit a place that has horses and willing interact with the horses you accept the risk of injury and if you are injured by a horse the owner is not liable. But you are liable if your horse causes an injury to someone who was not doing anything connected with your horse. Liability coverage is always a safe call.
Among other horse laws, a few years back SC passed a law when one horse was killed and another had to be put down later as a result of injuries sustained from the same car accident after someone (not connected with the horses) openned a gate that allowed the horses to leave their pasture and the horses wandered out. There is something like a $10,000 fine for openning someone else gate and letting their horse out.
Some states still have some VERY old laws still on the books that not only give horses the right of way, but place several restrictions on vehicles where horses are concerned. Whether they are enforced or not is another story.
     
    03-12-2012, 02:09 AM
  #18
Trained
Hmmm, I am interested in the medical insurance skyseternalangel asked about, has anyone ever actually had to use it (i.e., file a claim), and how did that go?

As far as a horse getting out goes, if you are in open range, its the car's fault. The problem w that is, you will only get the value of the horse if it is ends in their death. Yes, you could sue in civil court...but I doubt the result would be as "definite" as the other way around. I find that inequitable.
     
    03-12-2012, 06:50 AM
  #19
Trained
Quote:
Originally Posted by its lbs not miles    
Among other horse laws, a few years back SC passed a law when one horse was killed and another had to be put down later as a result of injuries sustained from the same car accident after someone (not connected with the horses) openned a gate that allowed the horses to leave their pasture and the horses wandered out. There is something like a $10,000 fine for openning someone else gate and letting their horse out.
Some states still have some VERY old laws still on the books that not only give horses the right of way, but place several restrictions on vehicles where horses are concerned. Whether they are enforced or not is another story.
Yes. At least in NC, the statutes about horses/livestock are, for the most part, very few and very old (i.e. From when cars being on the road was a new thing). In those days livestock was an extremely valuable item, providing both transportation and work (e.g. Plowing, etc), so causing harm to someone's livestock is typically a felony.

Keep in mind, also, that in the situations where there are no specific laws on the books, courts will look for guidance at 'common law', I.e case law, rulings/precedents from previous similar cases...and some of this is very old also, e.g. Farmer Bob and Farmer Joe had some dispute over injured livestock back in 1910.

Years ago when I started doing a lot of road riding, I talked to the District Attorney's office in my county (because there are some drivers that are nasty/dangerous to horse riders) and the bottom line was that if you are not prohibited from it by a law/statute, think about what a 'normal' person would see as 'reasonable', e.g. A leisurely ride on a 2 lane road v. Galloping down a busy 4 lane highway. Although both are 'legal', they may be viewed very differently in the case where injury/liability comes up.
     
    03-12-2012, 07:19 AM
  #20
Green Broke
Quote:
Originally Posted by jimmy    
anyone know the law re, horse insurance in the uk I drive on the road at least 5 days a week,never really thought about it
There is no law that you must have insurance however if your horse caused an injury to someone or damage to property you would be held liable.

In the UK most horse insurance policies will cover 3rd party liability upto 1million or 3million.

You can also become a BHS gold member or NPS full member and be covered by thier public liability insurance.
     

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