Tacascarow wrote:I'm surprised there is no empathy here for others who after all are also vulnerable road users.
Welcome to the forum.
I also live in a rural community and know a few horse riders, who are not short of a bob or two. They tell me that keeping a horse is even more expensive than a bike.
I was referring to law relating to the OP, where it seems the attack on the bike by the horse was unprovoked, although I can imagine that the horse was spooked. The question is, who is liable? The answer seems to be that legally the horse rider has no liability for the horse's actions. If the rider isn't liable, an insurer doesn't need to pay.