As far as I know, these events have never actually happened, but here I am, up at night and unable to sleep because of this shower thought. I am hoping for the input of this crowd.
In equitation classes where the top x number of riders are called back for a test and the test asks that they switch horses, who would be liable for any vet or hospital bills if there was an accident during that test?
Assuming it is rider-caused (i.e. botched distance that causes horse to require serious medical attention), would there be any liability from the rider who was on the horse at the time (especially if it was obviously their error that cause the horse’s inury)? Or is it assumed that there is an inherent risk in entering these equitation classes, and one of the possible outcomes of these classes is that an unknown (though proven competent) rider may ride your horse?
On the flip side, if a horse were to suddenly behave dangerously and say spook, dismounting a rider and causing a human medical bill - is there any liability on behalf of the horse’s owner? I assume this is less probable, but I figure rider harm could just as easily happen.
I realize at the top levels of equitation medals, most riders/horses are so well calibrated, that the risk of an accident is SO minimal. But surely an accident may have happened before and it could possibly happen in the future? I mean, we are all human (and horses!) after all.