I sustained serious injuries when I fell from a horse while visiting a farm. Who is responsible for my medical bills?
If you were visiting a farm that offers horse rides, generally speaking, they have insurance against the event of one of their patrons beings injured. And often times this insurance provides what is called medical benefits. Those medical benefits could help you pay for your medical treatment as a result of any injuries you sustained in this fall from a horse. Those medical benefits are offered regardless of fault. So, even if it was your own fault that you fell off the horse, you let go of the reins or you didn’t have a tight grip, you would still be entitled to these benefits from the insurance company covering the farm you were visiting.
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If, on the other hand, you were visiting a friends farm and they have horses and you’re riding that horse and you are injured, more likely than not you’re going to have to turn to your own insurance company, your own health insurance to cover your medical bills. The question then becomes, why did you fall? Was it somebody’s fault? Was the saddle not put on properly? Were you given a horse that had a tendency to be bucking and throwing people off it and you were not warned. If some of these factors are at play, then you may have a negligence claim. In that event, ultimately, your medical bills would be paid through settlement or judgment against the defendant who would be responsible for your injuries. It’s important that you contact an attorney to evaluate the facts and circumstances of you case and even to determine if the insurance company has no fault medical benefits.