Ridecamp: [RC] helmets and liability

>While we don't consider the instructor to be liable, 
> the > insurance company could and bring suite to recover expenses of >
covering > this accident 

I believe this to be the case in the majority of lawsuits.  It's insane. 
The insurance companies convince everyone that they'd better have
insurance because everyone else is so sue happy.  Then the insurance
companies are the ones sueing each other!  

I was hurt on public land owned by the state of TN.  It cost my insurance
company $13,000.  They started sending me the kind of letters you
basically trying to find out if there was *anyone* they could sue to
recoup their expenses.  It made me furious. I ignored several and they
finally sent me a rather threatening letter...so I wrote them and said,
"I was on A Tennessee Wildlife Management Area, good luck sueing the
state! 

The way I see it, an insurance policy is a bet. They bet I wouldn't get
hurt, I bet I would. I won. Now they don't want to pay up.  Talk about
not accepting responsibility!  Now when I ride someone else's horse, I
ask them, "Can he be ALL mine while I'm riding...will you let me own him
until I get off?" That way if I get hurt I can SWEAR that I was on my own
horse.  I even asked my neighbor if I could own his land while I ride on
it.  Silly, but since he said yes now I'm able to swear I was on my own
land with a clear concience.  First choice though is to say I was on the
road or public land.  That one does them no good at all.  Yesterday I was
allowed to ride on a farm where *very* few people have ever been given
permission to ride.  I told the man, "If I get hurt, DRAG ME OUT TO THE
ROAD before you call the ambulance.  He seemed to appreciate me thinking
of him.

Angie

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