Costly Accident: Dealing With That Kind Of Loss - The Horse Forum

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post #1 of 14 Old 10-05-2011, 03:33 PM Thread Starter
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Unhappy Costly Accident: Dealing With That Kind Of Loss

I'd like to share a story with you all. It started today when I woke up. I had actually managed to wake up on time this morning. I was in pretty good mood considering that I wasn't running to the bus stop with a half eaten beagle or something. But that all changed when I got this news. Sometime yesterday, a friend of mine was playing around with her horses. This is where it gets a little sketchy, please don't ask me about what I am about to say next, because I am in the dark as well. She opened the gate and let the two horses out into the yard to eat hay, she thought they'd be fine. That was until one of the horses ran from the yard and onto the road. The oncoming driver never even saw him, and the horse was hit, smashing the drivers windshield. The horse survived the hit, and got back up, walking back on the road to an oncoming truck. The truck ended upside down in a ditch. I do not know if the horse survived being hit by the truck, or was immediately put to death due to the severe amount of injuries. My friend is in obvious denial, blaming the drivers for the accident, and is very angry. I know she isn't covered for the damage, and injuries, will she be taken to court and fined? I've never dealt with this kind of thing before, what should I say to comfort her?

Thank you for feeding us years of lies. Thank you for the wars you left us to fight. Thank you for the world you ruined overnight. But we'll be fine, yeah we'll be fine.
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post #2 of 14 Old 10-05-2011, 03:42 PM
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How old is your friend? Based on the "catching the bus with a bagel comment" im going to assume still in school.. possibly under 18? Her parents will be liable if her horses were not contained and caused injury damages. It very unfortunate that they'll have to pay for her lack of insight to taking horses into an unfenced area. Keep us posted though. I hope the best for everyone involved.
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post #3 of 14 Old 10-05-2011, 04:06 PM
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What an awful situation. I can't imagine how your friend felt witnessing that. I don't know that there is anything you can say that will comfort her.

As horrible as the situation is, I would say her parents will be held liable. They may have some type of coverage with their homeowner's/farm coverage. If not, let this be a lesson to all horse owners on why it is so important to carry extra farm liability.

Life is like a camera. Focus on what's important, Capture the good times, Develop from the negatives and if things don't work out, Take another shot.
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post #4 of 14 Old 10-05-2011, 04:13 PM
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had it been a motorcycle rider, he/she could have been killed! I am sorry to hear about this, but I fear that there may be trouble for the parents of this girl, or the barn owner. INsurance companies will try to find someone to hold responsible.
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post #5 of 14 Old 10-05-2011, 04:26 PM
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The horse owner is liable for any injuries/vehicle repairs. If your friend is a minor, then it'll be her parents who are held responsible.

I hope they won't lose their homeowner's insurance over this, but it's entirely possible.

You want the truth? You can't HANDLE the truth!
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post #6 of 14 Old 10-05-2011, 04:29 PM
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The issue that she or her parents will indeed be held responsible has already been covered so I won't go any further on that. I just wanted to say what an unfortunate accident. Were all humans okay after the collisions?

ETA: As far as what to say to comfort her... I would just be there for her to comfort her over the loss of the horse. Leave the legal business out of it and just be her friend.

Last edited by Spastic_Dove; 10-05-2011 at 04:32 PM.
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post #7 of 14 Old 10-05-2011, 04:30 PM
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Quote:
Originally Posted by BornToRun View Post
This is where it gets a little sketchy, please don't ask me about what I am about to say next, because I am in the dark as well.

I've never dealt with this kind of thing before, what should I say to comfort her?
Since you are not aware of all of the circumstances, I would let things be.

There will no doubt be an investigation and possible charges. Probably not a good idea to be discussing on the internet at all.
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post #8 of 14 Old 10-05-2011, 05:25 PM
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Quote:
Originally Posted by Spastic_Dove View Post
As far as what to say to comfort her... I would just be there for her to comfort her over the loss of the horse. Leave the legal business out of it and just be her friend.
Exactly, Spastic.

You don't need to bring up the legal ramifications of what happened, just be a strong shoulder and a good friend.

You want the truth? You can't HANDLE the truth!
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post #9 of 14 Old 10-05-2011, 06:36 PM Thread Starter
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Quote:
Originally Posted by mls View Post
Since you are not aware of all of the circumstances, I would let things be.

There will no doubt be an investigation and possible charges. Probably not a good idea to be discussing on the internet at all.
What I meant by being in the dark, is why she let the horses out of an enclosed space in the first place.

Thank you for feeding us years of lies. Thank you for the wars you left us to fight. Thank you for the world you ruined overnight. But we'll be fine, yeah we'll be fine.
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post #10 of 14 Old 10-06-2011, 01:29 AM
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How are the drivers of the two vehicles? Yes I would imagine that the owner or her parents will be liable.
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