Ridecamp: [RC] helmets and liability

The end of Jan my wife's horse spooked at a something druing her 
dressage lesson and bolted in the dressage ring at the trainers. She 
ended up with a busted her uper arm (right) some crunched ribs and a 
strained neck. It required a rod being inserted to repair the arm. 
Needless say this was fairly expensive but the insurance paid for most 
of it. This was an accident and in no way was the instructor liable for 
the it.

The other day we get a from the insurance companie's law firm wanting 
details on the accident to determine if the insurance company can 
recover cost. While we don't consider the instructor to be liable, the 
insurance company could and bring suite to recover expenses of covering 
this accident (according to the letter with the form). Hopefully that 
won't happen and hopefully the FL limited liability law will be 
sufficient even if they try.

It may not be the person injured that would bring suite in an accident. 
I could be an insurance company trying to recover cost. If it were a 
serious head injury on a rider who had no helmet that ran up significant 
medical bills might the insurance company that bore the medical bills 
not consider trying to recover their cost? 

Truman



=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
Ridecamp is a service of Endurance Net, http://www.endurance.net.
Information, Policy, Disclaimer: http://www.endurance.net/Ridecamp
=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=