To be honest? No. I've never have an "incident" like this.
There is an active topic (https://www.horseforum.com/horse-riding/fear-fatal-injury-792039/)
discussing the fears people have. You are not alone.
I cannot recall a time when I've been scared of horses. I know what horses are capable of. I have been nervous of what they can do, but I also I have respect for what they can do. I've never been seriously injured by a horse. Maybe I've just been lucky? I've been bit, kicked, and fallen off - all my fault, of course.
I am careful of what I do with horses. I don't do stupid things. I, personally, feel like I don't have time, nor can I afford, to worry about the "what ifs."
Horses are extremely perceptive to what we are feeling. The horse always knows. How can we expect our horse to be fearless if we are scared? Note: I am taking about everyday, practical horses - not super old, seen-it, done-it, "bomb-proof" (I don't like that term) beginner lesson horses that'll usually take care of you. Regardless, even those horses can feel when you are scared.
I expect my horse to be paying attention to me and be in the "now." That being said, I must be paying attention to my horse and being in the "now." I cannot have my mind a million miles away worried about all the "what ifs."
"What is I fall of?" Falling off, as they say, is not a matter of "if", it is a matter of "when."
"What if they bite/kick me?" You don't give them a reason to bite/kick. You teach them not to bite or kick.
"What if the horse spooks?" Horses spook - even the old, "bomb-proof" desensitized, seasoned seen-it, done-it horses. Horses are prey, flight animals. It is a natural reaction for them to want to run away. It is not the horse's job to not spook, despite what a lot of people say (I'll get hate for this. LOL). Horses want to live. Horses will literally kill themselves trying to save themselves. It is my job. I must be the leader - no exceptions. I must teach the horse not to spook. I have to convince the horse that I am smarter - that I know what is best. I must tell the horse what is and is not okay/safe. When the do spook, yes, when, I must re-gain control of the situation.
Everything come back to me. I cannot be scared of the horse or myself.
Don't get me wrong, though. I've had doubts and I've been scared, but in these cases, the "fake it until you make it" works.
We can eventually get desensitized.
It's funny how you are more likely to get in a car accident than win the lottery, yet people think they'll win the lottery and never get into a car accident.
The chance of dying in a car crash is fairly high, yet most of us are not afraid of driving/riding, in fact - most of us do it almost every day.
You can be "adrenaline-junkies." Live a full, very exciting life and die, old and happy. You can, nowadays, literally never leave your house. You'll live inside, "safe", just to die because lighting struck your house.
There are people who over-eat, smoke, drink their whole lives and have little to no health problems and die at ninety. There are people who eat mega-super healthy, exercise every day and drop dead from a brain aneurysm at the age for twenty-seven.
Thing happens. We can't control everything. Just as you could fall in the shower and break your neck - a horse could kick your head off your shoulders.
Even it you wear a vest, gloves, helmet, boots, etc.. and bubble wrap a horse, [freak] accidents happen. Both of you can still get hurt - even seriously.
Horses can be dangerous, but not as much as some people think. Now, that doesn't mean I am trying to degrade someone's fear.
We are all going to die eventually.
Horses will be horses. Human will be humans. Everyone gets scared. It is what you do in the face of fear what really matters - not what you are afraid of.