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Re: [RC] [RC] question for legal eagles - Carol SuggsNancy: I was going to get into that but thought I might be taking up too much space. A few years ago we had an incident happen here that really opened my eyes. I very good friend of mine was riding one of my mares and she put her toddler on the horse with her. I was a little uncomfortable about it, but this gal is a heck of a rider and the mare she was riding is well, one of our best horses. She was using her own saddle, which I thought nothing of, it has a big horse hair shoo fly that hangs down from the girth. Well the mare was fresh and a little on the muscle and she started dancing around a little and that shoo fly started tickling her legs and the next thing you know she is doing a lazy loping crow hop across the field. My friend couldn't get her gathered up and ended up having to do a tuck and roll and bailed, craddling the toddler. It knocked the wind out of the kid, nothing big happened but all I could see was, what if the kid had really gotten hurt, riding my mare with her mommy...sure they have insurance, but what happens when that insurance gets exhausted? Or their insurance could come after our insurance....then onces thats exhausted they start coming after our assets. Of course these are super good friends of ours, they wouldn't want to sue but they may not have a choice when insurance companies are involved. Its a scary thing to think about. Needless to say, that is when we started getting liability release forms signed, but you can still get sued and its up to you to defend yourself, and like we have heard from several other ride campers it costs a lot both emotionally and financially. Carol-Mariposa, CA ----- Original Message ----- From: "Nancy Mitts" <mitts_n@xxxxxxxxxxx> To: <ridecamp@xxxxxxxxxxxxx> Sent: Thursday, November 10, 2005 9:06 AM Subject: Re: [RC] [RC] question for legal eagles We need to keep in mind that it is NOT up to the individual if their insurance company decides to sue. If there is a permanent disability and social security becomes involved, they will be required to sue anybody who might be remotely culpable before they can be declared eligible. (At least this is what happened to some people I know. The injured party finally had to give in and file, the other's homeowners insurance made a settlement, and then the SS kicked in.) Nancy MittsFrom: "Carol Suggs" <limofunder@xxxxxxx> Also, I was watching Clinton Anderson a few weeks ago on RFD TV and he was doing a clinic. In the middle of his talk he stopped the horse he was riding and got off on the subject of liability and responsibility. It was a wonderful soap box talk about how we need to take responsibility for our own actions as riders and quit blaming other folks for our mistakes and accidents with horses and not be so ready to sue everyone. He said that the horse he was riding belonged to someone else and he made the personal decision to ride the horse. If he gets bucked off and kicked in the head he would not sue the owner, he would not sue the facility, it was his responsibility to take that chance by getting on the horse.=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-= Ridecamp is a service of Endurance Net, http://www.endurance.net. Information, Policy, Disclaimer: http://www.endurance.net/Ridecamp Subscribe/Unsubscribe http://www.endurance.net/ridecamp/logon.asp Ride Long and Ride Safe!! =-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-= =-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-= Ridecamp is a service of Endurance Net, http://www.endurance.net. Information, Policy, Disclaimer: http://www.endurance.net/Ridecamp Subscribe/Unsubscribe http://www.endurance.net/ridecamp/logon.asp Ride Long and Ride Safe!! =-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
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