Unfortunately, it is not uncommon for horse riders to be involved in road traffic accidents. Often this is through no fault of their own. It is frequently down to other road users not taking sufficient care in approaching them. As horses and their riders are vulnerable road users, an accident on the road can often be life-changing or catastrophic. Even those lucky enough to escape without head injuries or broken bones can face mounting veterinary bills, loss of earnings, pain and suffering to both the horse and rider, to name but a few.
We have a great track record in obtaining compensation for riders. If you have been unfortunate enough to have an accident on the road that was not your fault please get in touch with us.
- No Win No Fee available
- You may be able to claim even if the driver drove off without leaving details
- You can claim up to 3 years after the incident
- Our dedicated and highly skilled claims handlers will deal with your claim
- High success rate for clients
- National coverage
Horse Accident Claim
Despite Department of Transport and British Horse Society ‘Think!’* and ‘Dead Slow’** campaigns raising awareness of road safety of riders, accidents on the road still occur. It is difficult to say exactly how many incidents occur every year as incidents are rarely reported unless there is personal injury involved.
All road users owe a duty of care to each other. That duty of care is arguably higher when vulnerable road users are involved as the consequences of a mistake or breach of duty can lead to serious, often catastrophic or life-changing, consequences. The Highway Code sets out guidance for vehicle drivers and horse riders on their conduct on the road, such as allowing plenty of room when passing horses on the road.
If another road users have acted negligently and caused an accident then please get in touch with us so that we can advise you on how and what you can claim.
Why Make A Horse Accident Claim?
Many horse riders don’t realise that if they are involved in an accident which wasn’t their fault then they might be able to make an accident compensation claim. To be able to claim we must be able to prove loss, this could be the loss (through injury or damage) to the horse, of riding clothing, equipment, medical expenses, veterinary bills, time off work etc. Even if you do not have the details of the driver or vehicle involved, we might still be able to get you compensation.
Getting you back on your horse is our main priority, which is why we have made the claims process as easy as we can. Typically, talking to one of our specialists, will be enough to obtain the details we need in order to set up a claim on your behalf.
No Win No Fee Horse Accident Claim
The majority of our horse accident claims are funded through our No Win, No Fee scheme, meaning that there is no financial risk to you for claiming for your compensation through us.
What we may obtain on your behalf:
- Veterinary bills
- Loss of earnings
- Personal Injury compensation
- Prescription and medical fees
- Replacement tack, clothing, boots and helmet
This depends entirely on the level of pain and suffering you have had, the length of time it lasts and how those injuries have affected your life. We will use a medical expert to provide a report, which will be able to value your claim.
If you were over 18 when the accident occurred, you can submit a claim within three years of the date of the accident however; court proceedings must be issued within that period to avoid your claim becoming statute barred, and to allow you to continue with your claim.
If you were under the age of 18 when the accident occurred, you have until the day before your 21st birthday to submit a claim and have court proceedings issued.
Yes. If the accident was not your fault, you can look to make a claim for the damage to any tack or clothing. We would recommend that you keep them as evidence and/or take photographs of the damage as they may require inspecting. If you can, retain any purchase receipts for the tack and/or clothing. If your horse was injured and requires veterinary care please keep the receipts as we can include this in the claim as well.
Road Traffic Accident Whilst Riding A Horse FAQ's
What Is The General Procedure For A Horse Accident Claim?
Horse accident claims are generally run in the same way as any normal Road Traffic Accident Claim. The motor insurers of the responsible party needs to be identified and details of the claim will be submitted to them. They will return to us their position on liability, and we will make arrangements to obtain medical evidence.
Does Not Wearing A Helmet Affect My Compensation?
As it stands presently, riders over the age of 14 years do not have to wear a helmet. It is recommended in the Highway Code though. That being the case, each case is looked at on its own merit. We would anticipate that in the worst case scenario, a deduction in your compensation may be applied for what is known as contributory negligence. As a general comparison, not wearing a seatbelt (which is illegal unless under some extreme circumstances), generally warrants a deduction of 0-25% from compensation depending on whether the injuries could have been minimised or avoided entirely had a seat belt been worn.
What If I Was Not Wearing Reflective Clothing?
The Highway Code recommends suitable footwear and reflective clothing. Failure to do so may have helped cause the accident and, if that were the case, liability may be apportioned between you and the vehicle driver as a worst case scenario. If the failure did not contribute to causing the accident then there would be no apportionment. Each case is assessed individually.