, Derry, New Hampshire


September 19, 2013

About the Law: Don't let a horse owner throw you off

I was thrown off a horse and broke a shoulder at a good friend’s property. Their family says they have no insurance.

My friend had come out and smacked another horse on its hind flank and the horse reared up and kicked her and the horse I was on, after which the horse I was on bolted forward and threw me 6 feet in the air.

I slammed into the ground. I am now out of work and waiting for occupational therapy to get me back to work, hopefully in six weeks. She says there’s no insurance. What can I do?

It appears there’s negligence here, where the other horse was agitated to the point it kicked the horse you were mounted upon, causing your injury.

The language of the actual homeowner’s insurance policy needs to be reviewed in full before you simply accept what people say about it. My experience is that this is very likely a risk that should be covered. I believe that such a policy should cover your injuries.

The family is likely afraid of a cancellation or a rate increase. But, what is insurance for if not for covering an injured friend?

Don’t assume anything until an attorney explores all the facts and examines the policy. If, in fact, there is no coverage, the next issue is whether or not the friend’s family has assets.

What do I do when the police and the attorney lie? I was dragged into court on a bogus assault charge. The prosecutor and the police officer lied about all of the facts.

How do I sue for malicious prosecution, slander and defamation? I also want to appeal. This could hurt my job.

Saying that someone “lied” carries little, if any, weight. During the hearing itself, a skilled trial attorney needs to be in the courtroom. One of their skills is cross examination of opposing witnesses.

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