I think you need to ride more if you have never fallen!! I have fallen before but before the first time I fell off my new horse it really did make me nervous. After that first fall I felt so much more confident, and he (my horse) did alot better.
The first time I fell I was training a paso fino, she went crazy and I wasn't paying attention like I should have been. I fell off and slide across the ground, ripping my pants right down the middle of the butt! I was so embrassed when I stood up and realized I had just mooned my best friend and instructors. I hurt but I tied a jacket around my waist and got back on. The next week she threw me off. I was in pain but I didn't want to go to the doctor. Three months later I finally went and it turned out I had fractured my spine. The doctor said if I hadn't gone to the dr and taken another bad fall my spine could have snapped the rest of the way in half! But I wouldn't stop riding for anything even though it still hurts everytime I get on a horse!