[RC] helmets and liability - Truman Prevatt
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 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?
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