Horse trod on my dogs toe, where do I stand with womans insurance? *DELETED*

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As dogs' toes point forwards and the horse was BEHIND your dog how did the horse manage to step on your dog's toe?

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Because dog was having a scratch, her back leg was flopped to the right
 
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Does this woman pay for livery for her horse at the yard?
Do you pay to have your dog on the yard?
If yes to the first and no to the second, then I do not see that the dog has any right to be there, the horse does.
A sad situation for the dog that got injured, but not one where claims could or should be brought. IMO

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It is a livery yard and we all pay to keep our horses there.
Rules are that we can all bring our dogs to the yard and take them for walks around the headlands.
 
Sorry to hear about your dog
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The yard I am on is very similar in that YO has 2 dogs which run loose on the yard. It is yard policy that I can bring my dog to the yard if I wish to and she can play with the other dogs etc. I'd be pretty annoyed if someone walked their horse straight onto my dog as you do expect people to have more sense, and if it is yard policy to allow dogs then they have as much right to be there as the horses. If it had been a child you wouldn't say 'do you pay livery for your child? if not it has no right to be there' etc.

I don't know if you'll have any comeback against her but she should have looked where she was going. I'd get it sorted out sooner rather than later if you want to try and claim - hope your dog gets better soon.
 
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But my dog was sat there first


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What the hell I have fallen asleep and woken up in pre-school?
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They are dumb animals - its up to humans to protect them and I agree you both need your heads knocking together.
 
I'm really sorry for your dog, but horses and dog aren't best combination at yards and between a horse and a dog normally dogs do/will come off worst.

IMO tis an accident and if me i would be annoyed at woman with horse, but i'm sorry i would put my hand in my pocket and pay for my dog to be treated and hope woman had some manners and give me some dosh to help, but i certainly wouldn't try and claim off her insurance
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Sorry tis problem with owning animals
 
How many of us have dog's on the yard where we keep horses ? I personnally don't take mine as she is a pain in the butt.
I would not hold the other lady responsible for letting her horse stand on your dogs toes ,it's not like she did it deliberately. Horses have a tendancy to put their feet where they like They don't suddenly think 'ooh lets stand on his toes and make him squeal'
Sorry but this was an unfortunate accident and should be treated as such.
I do hope your dog gets better soon.
 
This kind of compensation culture sickens me. Accidents happen!

I feel very sorry for the dog but the fact of the matter is that horses are unpredictable animals and as a horse owner yourself you should be aware of that.
 
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Should you not be claiming from your own dog insurance?
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Not got it - plus if it's someone else's fault you are always best to claim from their insurance (which is why you have insurance)

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I think you're at fault for having your dog on the yard and doubly so for not having your dog insured.
I do have sympathy for your dog and I hope he recovers in time.
 
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Sorry to hear about your dog
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I'd be pretty annoyed if someone walked their horse straight onto my dog as you do expect people to have more sense,
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I would highly doubt the women in question walked her horse straight onto the OP's dog on purpose.

The women with the horse should of paid more attention yes, but so should of the OP.
Sorry.
 
You brought your dog to a yard for horses, it is your dog and it is you who is taking the risk, not the lady with the horse.
I don't think you should be claiming off anyones insurance except your own.
I do hope your dog gets better soon x
 
I would like to say thank you for all your comments and critisism's.

I would also like to say that I'm not an irresponsible dog owner and the dog in question is my life. She has been with me throughout a lot of misery in my life and she is precious to me.

I have never had any other accidents with her and this would never of happended if the woman had of given her a wide birth. Even if she had a lead around her neck, that horse would still of got her.

We only thought of the insurance route on Saturday night which is why it is delayed.

Your comments have all been constructive, (even the nasty one's)
thank you.
 
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If it had been a child you wouldn't say 'do you pay livery for your child? if not it has no right to be there' etc.


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I would
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This compensation/claim culture absolutely sickens me too, its a whole load of balls.

If I take MY dogs to a yard I have the responsibility for their safkeeping. No-one else. If they get hurt its MY fault. If I cannot safeguard my animals to a reasonable degree I don't take them and if I did I certainly wouldn't be claiming off anyone.

More like kicking myself for my stupidity leading to an animals suffering.
 
ITS YOUR DOG, not anyone elses, sure I'll try not to hurt it but the responsibility to it is YOURS. Man up and admit you clearly werent paying enough attention and chalk it up to experience, stuff like this happens to everyone the only difference is, we get on and admit our wrongs - not try and palm them off onto others.
 
Compeltely agree with all Kitsune and Ifield have said.
It was an accident don't make it someone elses fault that you don't have the sense to have your dog insured.
 
Mm, I'm inclined to say that it was the horse owner's fault. Try sending her the bill and letting her sort it out. She could make a contribution towards the vet's bill anyway. Or if you have insurance tell them and they will take it up with the BHS. The BHS has a free legal advice service for members, which covers everything including horses. But like all insurance companies they are in no hurry to pay out anything at all.

If you horse happens to kick someone out hunting don't you go round and appear with bunches of flowers/boose abject apologies? Even if the other rider rode into and your horse has never kicked before.
 
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Should you not be claiming from your own dog insurance?
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Not got it - plus if it's someone else's fault you are always best to claim from their insurance (which is why you have insurance)

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I don't agree..as bad as the injury is - this was a nasty ACCIDENT, I wouldn't be laying blame with anyone.
 
Our dogs are at our yard too and we try to be careful but that is my worst nightmare. My dog walks alongside me and horse or in front, i have just recently allowed this as she has finally matured enough to listen and be a bit more sensible. It really is somehting that scares me. That must have been agony for your poor dog. It is bad enough if they get us with our boots on. Hope he feels better soon.
 
i'm quite surprised at some of the anti-dogs on yards comments on this post.

Perhaps we are just very dog friendly on our yard, we have 10 plus dogs that come to the yard with their owners, mostly staying on leads but are sometimes left off for a run, go hacking with there owners and go in the lorries to shows. Luckily we are all sensible and touch wood have had no accidents all the dogs tie up in there beds outside their owners stables while chores get done.

I don't think i could ever be on a no-dog yard or where i had to keep him in the car - how unpractical in the heat of summer.

sorry your dog got hurt. frustrating that the other person clearly did get unneccessarily close to your dog but atleast you will know for next time that others clearly have no common sense so you must take extra care, and dog insurance is always handy to have.
 
It sounds like some yard owners are completely daft allowing dogs on a yard. It is asking for an accident and all the problems that surround them.

Any sensible yard owner should not allow dogs on a yard.

As regards this accident I feel sorry for the dog. Get your dog treated and don't take it up to the yard again. It is your duty to protect your animals from accidents.
 
I agree with the majority of people on here - it was an unfortunate accident and you should treat it as such. I'm sure the woman didn't deliberately walk her horse in to your dog and if your dog needs veterinary treatment then it's your responsibility to pay for it - get your dog insured for the next time. Surely your time would be better spent actually taking your dog to the vet and not posting on the internet to see whether you can get someone else to pay?

I take my dog to the yard, as do lots of other people on the yard. My dog is very well behaved and just stays with me. When i'm in the stable, she comes in the stable with me. When I'm at the field, she comes to the field with me and has learnt to keep out of the way of the horses. I don't ever leave her where I can't see her, however sometimes accidents happen. If my dog does get injured then that will also just be an accident.
 
One of the main reasons I left my last yard was people bringing their dogs down and letting them wander round. It was an accident waiting to happen and I could just see the dog owner trying to sue.
If you take your dog to a yard then you accept the risks that go with it. Even if the dog is well behaved, horses spook and do unpredictable things so accidents can happen all too easily.

I hate this culture of suing at the drop of a hat. I'm sorry your dog was injured and I hope she recovers soon, but please accept that you chose to take her to the yard and that what happened was an accident, not a deliberate act on the part of the horse owner.
 
Have to agree with the majority that it was just an accident. I am a receptionist in 2 vet practices, one of which is an emergency one so deal with a lot of insurance claims. Your dog insurance would have covered this had you bothered to get any. Don't see how you can expect someone else to mess about with an insurance claim when you haven't got your own? Have also seen a shockingly large number of animals pts because people don't have the money to cover the bill for treatment (and no insurance).
Woman should've moved her horse, you should've moved your dog. Equal blame by the sounds of it and as it's your dog it's your problem I'm afraid. If you love your dog so much I suggest you insure it. Try Tesco or Sainsbury, both are reliable and offer good value cover.
 
Hope dog is ok, although does sound like just an unfortunate accident.

A lot of people at our yard bring their dogs, at any one time there can be at least 10 dogs running loose all over the place. It drives me mad as I am always trying to negotiate a horse around a dog or two and the owners just ignore it....I can imagine though if one of my horses trod on one of their dogs there would be hell to pay! This isn't directed at the OP, but in my experience people bring dogs down to yards and let them do whatever they like but then kick up one hell of a fuss when the inevitable happens.

Also, I do know of someone who's horse was kicked in the knee when she was bringing it in from the field. Horse was pts thrre and then as knee was shattered....she claimed on her insurance (petplan) and they went after the owner of the horse that kicked hers insurers (gosh thats a mouthfull!!)....if I remember rightly the insurers of the horse that did the damage did pay up for the cost of euthanisation and disposal.
 
I'm so sorry to hear about your dog's injury - my view, for what it is worth is that there is probably a little fault on both sides. I absolutely agree that if dogs are allowed on yards (and I know plenty of yards where this occurs and it works perfectly well) then the owners have to accept full responsibility for their behaviour; however I think that, if horse-owners choose to keep their horse in a yard where dogs are allowed then, by implication, they are accepting the presence of the dogs and should take as much care to avoid harm by horses as horse-owners ought to do in avoiding harm to horses by dogs. This really was an accident - neither party intended harm or was negligent - careles maybe, but not negligent.
 
Completly agree with the above. If I am handling my horse I cannot be expected to also see where everybodys dogs are at the same time, my main concern is that he doesnt tred on my foot! I have two dogs and this also applies to them, if I am walking the horse they are expected to get out of the way, I wouldnt intentionally walk into them but I am not going to dilly dally around walking around them all the time -I expect them to move, simple. My horse and I have right of way. If someone elses dog was in the way I would expect the dog to move or the owner to call him/her away.
 
Accidents do, unfortunately happen - and this sounds like one of them.

Thank goodness I've only been on yards where dogs are not allowed. It saves an awful lot of problems.
 
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