Oh Stan, you made a bet you couldn't make. I'll take your trailer as payment. LOL.
I have fallen off three times in my life, once at a show, I don't remember if the horse refused a jump, I would guess, as I landed back first onto the jump - I remember the land.
The other time I was a kid, 6 or younger, I don't remember it, but I know it happened.
Last time I remember well, and it was embarrassing. I used to teach at a therapeutic riding barn for disabled kids. As the jumper in the group, I popped a horse over a few jumps as he was there on trial. I had no clue he neck reined, and I am not that. So we did a little jump, I must have knocked my reins slightly as he turned, significantly.
I was on my ass on the ground, wondering wth happened. I got up, but couldn't really, as I ended up on crutches for two weeks.
Stupid western horses. I had no idea they even existed. Owner opted to keep the horse.
Worst part, kids play baseball next to the outdoor. As Mom's are bored they walk out and all watched me get dumped. They shreaked. Please don't do that, I am fine, even when I am not, you can all look away now.
So three times, what you got????