If you are a horse rider, you will probably have your horse insured. If this is the case, then you will be covered by something called public liability insurance. This means that if your horse causes an accident and someone claims against you, your insurance company will make a payment from that liability insurance. If your horse is not insured, then you should consider obtaining public liability insurance from another source.
If you are a rider who has been involved in an accident, the other party may well want to make a compensation claim in Whitefield. The local area will have plenty of solicitors who can help them, but their may not be specialists in personal injury compensation law.
Where can I get public liability insurance?
Public liability insurance is available if you become a member of a riding club associated to the British Horse Society, the British Show Jumping Association or any other affiliated body. You can also become a member of the British Horse Society itself. If you hire a horse from a trekking establishment, make sure that a public liability insurance cover notice is clearly displayed or you could find that someone will be trying to make a claim against you personally should you cause an accident.
Public liability insurance will not cover you or your horse for injury, but it covers the costs you may have to pay if your horse spooked someone and caused a cat crash, for example, or kicked out and caught a passerby. In these days, where so many people are aware of compensation claims, it is foolish not to have public liability insurance if you have to ride on the roads or public paths.
Know your rights
As a horse rider, you have as much right to be on the road as any other road user; in fact, there is a very old bye law that gives horses right of way on any road that they are allowed to be on, particularly country lanes. Not many people are aware of this, but it is one of many bye laws around the country that have never been changed. Quite simply, a horse is a method of transport and should be treated as such by other road users.
If you and your horse are involved in an accident on the road, you have every right to pursue a compensation claim if the accident was not your fault. Do not listen to any argument that “you should not be on the roads.” You have a right to be there, and just as much right to make a compensation claim for your injuries as any other UK citizen.
Getting help and advice
This is so important when starting a compensation claim in Whitefield. The local area will have firms who can help you, or you can call a professional company like Accident Advice Helpline, who will give you no-obligation advice via our freephone number 0800 689 0500 (0333 500 0993 from a mobile). We have over 15 years’ experience in the claims field and work with over 200 solicitors, all of whom work a no win no fee basis.
If you have had a non-fault accident while out riding, call us today.
Date Published: 16th September 2013
Author: David Brown