Public Liability Insurance - what happens in this situation?

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Christmas Crumpet

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Just had an email from a friend who was out cubbing this morning and riding back to trailer. Another horse was being really nappy and as she went to go past it it turned round and double barrelled hers and her horse is hopping lame after being booted in the shoulder. Vet been out - will be back tomorrow hopefully with better idea of prognosis but horse not brilliant.

What happens in this situation? Everyone who hunts has Countryside Alliance membership and within that public liability insurance. Can you claim against the person whose horse kicked you for all your vets fees?

Also in Hunting.
 
I'm not 100% certain, but I think that if your animal injuries another, whether it is your fault or not you are strictly liable, so the other owner should be the one with liability. Don't quote me on that though, I'm sure the legal bods will have a better idea.

Your best bet would probably be to ring the Countryside Alliance for advice.
 
Yes, agree with Touchstone, although am wondering if you sign an "at your own risk" disclaimer when going hunting, and if this would be brought in.... No idea really. Your poor friend.
 
Of course she upset its a horrible thing to happen but that's horses ,one of mine got ridden into at the hounds was pushed side on down a hill she never came sound she was only five.
It took me ages to want to hunt again.
 
If it had happened when horses are loose and grazing I don't think there would be a claim. Whilst ridden I am not sure if it would be a different situation, it's horses behaving naturally after all..... If I owned the other horse and if your friend hadn't crowded my horse or barged across the back of it through a narrow gap I think I would feel bad enough to let her claim on my insurance
 
I'd say it was your friends fault actually, if you insist on laying blame. Though I really view it as an unfortunate accident, one of those things. Horses kick, your friend as a horse owner could be expected to know this. She rode her horse within kicking range of another. I don't see how she could claim off the other persons insurance for the results of her own bad decision TBH. You can't claim if a horse kicks yours when they're both loose in the field.
 
Think it would honestly depend on whether it could have been prevented had your friend waited, or if she passed within 'normal' kicking distance, or whether other rider gave her permission to pass, etc. Not saying its your friends fault at all, just guessing at the legal viewpoint. Best bet is to contact insurers.
 
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