How Horse Riders Can Claim Compensation for Accidents Involving Vehicles

Horse riders face unique challenges on the road, and when drivers fail to approach carefully, the consequences can be serious for both horse and rider. Every year, hundreds of accidents occur due to drivers passing too close or driving irresponsibly around horses.

According to recent data from the British Horse Society (BHS), the number of reported incidents involving horses and vehicles in the UK remains high, with over 3,500 incidents reported in the last five years.

Highway Code Guidelines for Drivers and Horse Riders

The Highway Code includes specific guidance on how drivers should approach horses on the road. Rule 215 explicitly instructs drivers to “pass wide and slow” when overtaking horses, ideally at a speed under 10 mph, and to give at least a two-metre distance. Additionally, drivers should avoid making loud noises or sudden movements that could startle a horse.

For horse riders, the Highway Code advises wearing high-visibility clothing and signalling clearly. Riders are also encouraged to use hand signals to direct drivers to slow down if necessary, and to ensure that horses are properly trained and under control in public spaces.

When a driver fails to follow these guidelines, they may be liable for any resulting accident and injuries. Incidents where drivers pass too closely or approach too quickly, causing the horse to panic or even collide with the vehicle, may allow the rider to pursue compensation.

The “Pass Wide and Slow” Campaign

The BHS’s “Pass Wide and Slow” campaign advocates for safer practices on the road, urging drivers to pass horses at a safe distance and speed. The campaign also encourages riders to report any incidents involving dangerous driving to help raise awareness and contribute to the statistics used in improving road safety measures.

The BHS’s data highlights the prevalence of these incidents:

• Over 3,500 incidents involving horses and vehicles have been reported in the last five years.
• Of these incidents, more than 80% were caused by cars passing too close or driving too fast around horses.
• Sadly, over 130 horses and 40 riders have lost their lives in road incidents over the past decade.

What Horse Riders Can Do After an Accident

If a driver startles or collides with a horse, causing injury or distress to the rider, there are steps that can be taken to pursue compensation for damages. Here’s what to do if you’re involved in an accident as a horse rider:

1. Seek Medical Attention and Veterinary Care: Prioritise the well-being of both the rider and horse. Document any injuries, as medical and veterinary reports can support your claim.
2. Report the Incident to the Police and BHS: It’s important to report the accident to the police and record it with the British Horse Society if it involves dangerous driving. Police documentation can serve as essential evidence in your claim.
3. Gather Evidence from the Scene: If safe to do so, take photos or videos of the scene, any damage to equipment, and any visible injuries. Note the driver’s details, vehicle registration, and witness contact information.
4. Check for Nearby CCTV or Dash Cam Footage: Footage from nearby businesses or dash cameras can provide crucial evidence of a driver’s negligence. This may show the speed and proximity at which the driver approached.
5. Speak to Witnesses: Witness statements can strengthen your case, especially if they can verify that the driver was too close or driving carelessly.

Pursuing Compensation from the Driver’s Insurance

If the driver’s negligence caused the accident, you may be able to recover compensation for injuries, damages, and associated costs. Compensation can cover:

• Medical Expenses and Rehabilitation: Any costs associated with treatment for injuries to the rider.
• Veterinary Bills: Expenses for treating the horse’s injuries, as well as costs for any specialised equipment that was damaged.
• Compensation for Pain and Suffering: The trauma of an accident involving a large animal like a horse can be significant, and compensation can account for both physical and emotional distress.
• Loss of Earnings: If the accident has caused you to miss work, you may be able to claim for lost income.

Typically, you will work with a solicitor experienced in road accident claims, who will communicate with the driver’s insurance company on your behalf. Your solicitor will gather evidence to show the driver’s failure to follow the Highway Code’s guidelines on passing wide and slow, which can help prove liability.

Why Reporting Matters: Raising Awareness for Rider Safety

Every report of dangerous driving helps organisations like the BHS improve road safety advocacy. By reporting incidents, riders contribute to a larger effort that can lead to stricter policies, better road signage, and awareness campaigns to educate drivers about safe practices around horses.

When accidents happen, the impact on horse riders can be profound and lasting. For a powerful real-life perspective, take a look at our detailed case study on a tragic incident involving a horse rider on a country lane. This story highlights the critical importance of driver awareness and safe practices on rural roads. If you’re seeking insight into what steps to take after an accident and how to pursue compensation, this case study sheds light on the process and underscores the need for ongoing road safety advocacy.

Contact Us for No Win, No Fee Advice

If you or your horse have been involved in an accident due to a driver’s negligence, we can provide expert legal guidance on your options for claiming compensation. We operate on a no win, no fee basis, so you can focus on recovery while we handle the legal process.

Contact us today to arrange a free consultation and learn how we can help you secure the compensation you deserve