I think my scariest moment was when I was about 12 I was loping my mare through our hay field with 6 inches of snow (I know, kinda stupid) and she didn't see a gopher mound and tripped over it, landed on her side and on my leg and then got up. I was just worried about her, but she was perfectly fine. I had some bad bruising on my legand was a little shaken up, but nothing major. And my mare was such a good girl, she just got up and stood there and waited for me to get up.
I've spent most my life riding horses...the rest i've just wasted.