rcm_73
Well-Known Member
Ok imagine this scenario.. You lend your horse to someone on your yard, (for the purpose of this we'll say rider A) so they can go riding with their friend (rider B) who doesn't currently own a horse but is going to ride A's horse while A rides yours. Both A and B have ridden your horse once before and consider themselves experienced & competent enough to go for a short hack on quiet lanes. What happens from when they leave the yard to when they arrive back you can't be sure as the story is a bit of a mismatch and time lapses don't seem right but the scenario ends with an accident involving your horse and rider B who was actually meant to be riding A's horse not yours. The end scene is a horse with cuts to chest and heat in the nearside knee, rider B with a broken arm, shoulder and needing a spleen removal op and a badly damaged gate belonging to a local farmer. The gate was damaged as Rider B was thrown from your horse into the gate. Without going into who was or wasn't insured, who would you say is responsible for the damage to the gate?