Horse hit by motorbike
Discussion
eldar said:
Dan_1981 said:
Why is it any different from if he ran into your wall or parked car or anything else?
Do you have his insurance details?
Because walls and parked cars don't have the potential to 'suddenly leap into the middle of the road.' as the motorcyclist may claim. Independent witness will be invaluable. Do you have his insurance details?
I would have thought the initial claim would be against the motorbike rider, as he has (hopefully for OP, been negligent). His insurance company will indemnify and no doubt take over defence of the claim...
Apologies all...
But given the relative heights of motorcyclist and horse am I the only one that has an image of a helmeted head disappearing up the backside of this poor animal?
I did say sorry...
OP find out insurer of motorcyclists, notify claim, start gathering evidence of the value of the beast and apparel. Don't think I've read anything about any injuries to the horse rider as they too will have a claim against the motorcyclist.
But given the relative heights of motorcyclist and horse am I the only one that has an image of a helmeted head disappearing up the backside of this poor animal?
I did say sorry...
OP find out insurer of motorcyclists, notify claim, start gathering evidence of the value of the beast and apparel. Don't think I've read anything about any injuries to the horse rider as they too will have a claim against the motorcyclist.
Have the police decided to prosecute either party? In my case they did the other driver for without due care and he got a ban, but the collision was witnessed by an unmarked police car, so there was never any dispute about what happened even if I didn't have a clue. Well, there was, but once it went to court the madge didn't waste any time in saying "The police witnesses say this, the civilian witnesses say something similar, the positions of the vehicles match this, you still say something else, don't take the p*ss, you're nicked."
battered said:
Have the police decided to prosecute either party? In my case they did the other driver for without due care and he got a ban, but the collision was witnessed by an unmarked police car, so there was never any dispute about what happened even if I didn't have a clue. Well, there was, but once it went to court the madge didn't waste any time in saying "The police witnesses say this, the civilian witnesses say something similar, the positions of the vehicles match this, you still say something else, don't take the p*ss, you're nicked."
Accident is being investigated, we'll hear more tomorrow. There were no independent witnesses. The rider heard the bike approaching, and the next thing she knew the bike hit the horse square on from behind. We're waiting for the police to give us the details, and then we'll approach their insurance company.
elanfan said:
Apologies all...
But given the relative heights of motorcyclist and horse am I the only one that has an image of a helmeted head disappearing up the backside of this poor animal?
I did say sorry...
OP find out insurer of motorcyclists, notify claim, start gathering evidence of the value of the beast and apparel. Don't think I've read anything about any injuries to the horse rider as they too will have a claim against the motorcyclist.
https://www.youtube.com/watch?v=sY5OJNiFvIcBut given the relative heights of motorcyclist and horse am I the only one that has an image of a helmeted head disappearing up the backside of this poor animal?
I did say sorry...
OP find out insurer of motorcyclists, notify claim, start gathering evidence of the value of the beast and apparel. Don't think I've read anything about any injuries to the horse rider as they too will have a claim against the motorcyclist.
The OP has not said, and truthfully, he wouldn't know yet anyway, but I'd think there is a strong chance the motorbike rider has amnesia about the incident.
Assuming it's not already been done, get the rider to note down now everything about the accident they can remember. The longer this is left, the harder it becomes.
Assuming it's not already been done, get the rider to note down now everything about the accident they can remember. The longer this is left, the harder it becomes.
Nanook said:
cbmotorsport said:
Horse was not insured, other than public liability insurance for the rider.
Well, that was silly. Too many horse owners overlook good insurance, in favour of cheap insurance. If you want to ride on the road, it really is sensible to have some personal accident cover as well as the bog standard PL.
Quite remiss of you to have an uninsured animal on the road.
What if it was the other way around, and your horse did step out in front of the motorcycle rider.
Then who would pay.
As the OP says, it's "under investigation". If the rider lost control of the horse and was responsible, then it comes off his insurance. If he has none (like most pedestrians, cyclists, pushchair operators, wheelbarrow pilots, etc) then it comes out of the "uninsured pool" that we all contribute to.
Check the Horse Insurance and / or any membership to horse riding clubs as there is a good chance they will provide Legal Cover.
The advantage of using such a cover over using a claims management company is the CMC is likely to deduct circa 25% from your compensation, if you have Legal Cover there would normally be no deduction.
You may find your Home Insurance especially if it's an NFU or High Net Home Insurance or Farm Insurance will include the cover.
The advantage of using such a cover over using a claims management company is the CMC is likely to deduct circa 25% from your compensation, if you have Legal Cover there would normally be no deduction.
You may find your Home Insurance especially if it's an NFU or High Net Home Insurance or Farm Insurance will include the cover.
[quote=Löyly] Has this matter been properly investigated? What about the possibility that the horse lost control of it's faculties and caused the collision? I suppose the horse rider could be sued for damages?
[/quote]
Yes the horse owner could be held responsible if they were negligent.
It's not as straightforward as you may think to prove such negligence.
[/quote]
Yes the horse owner could be held responsible if they were negligent.
It's not as straightforward as you may think to prove such negligence.
Register1 said:
Nanook said:
cbmotorsport said:
Horse was not insured, other than public liability insurance for the rider.
Well, that was silly. Too many horse owners overlook good insurance, in favour of cheap insurance. If you want to ride on the road, it really is sensible to have some personal accident cover as well as the bog standard PL.
Quite remiss of you to have an uninsured animal on the road.
What if it was the other way around, and your horse did step out in front of the motorcycle rider.
Then who would pay.
Only today for reasons I don't yet fully understand I was a stupid man or something for not adequately removing a harmless man eating spider from a horse rug that was nothing to do with me at all.
Nutcases, every, last, one of them.
desolate said:
Register1 said:
I feel all road users must have insurance.
Quite remiss of you to have an uninsured animal on the road.
What if it was the other way around, and your horse did step out in front of the motorcycle rider.
Then who would pay.
Compulsory insurance for all living things?Quite remiss of you to have an uninsured animal on the road.
What if it was the other way around, and your horse did step out in front of the motorcycle rider.
Then who would pay.
But, that is probably because they are easy to track and fine.
The equestrian team at Millins are great people, probably happy to have a quick chat & issue some pointers on the phone - particularly if you ask them for a quote for the replacement animal's insurance.
Register1 said:
I feel all road users must have insurance.
Quite remiss of you to have an uninsured animal on the road.
What if it was the other way around, and your horse did step out in front of the motorcycle rider.
Then who would pay.
Errr....the owner of the horse. I could be out jogging, trip over, fall on to someone else and paralyse them for life. That would be down to me. Everybody is financially responsible for their own negligence. Either they insure against it or take the risk. That's an individual choice, unless you have a motor vehicle where it's compulsory. Quite remiss of you to have an uninsured animal on the road.
What if it was the other way around, and your horse did step out in front of the motorcycle rider.
Then who would pay.
Presumably if the bike hit the horse at sufficient speed to cause this damage the rider would be in the wrong even had the horse stepped out. Had he had the courtesy to slow right down and give a wide berth and pass as quietly as possible this could never have happened. If bike rider just overtook as if dobbin was a bicycle then whatever happens is the bike riders fault.
Whenever I come accross a horse on the road, there are loads where I live, I always slow down more so if I'm on my bike.
Try asking your local hunt if there is a sympathetic lawyer they can suggest, where in the country are you?
Whenever I come accross a horse on the road, there are loads where I live, I always slow down more so if I'm on my bike.
Try asking your local hunt if there is a sympathetic lawyer they can suggest, where in the country are you?
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