crashed in to a horse today

Mandzhalas · 25-03-2009 6:38pm #1

today i was driving with my instructor on local road.I was doing about 60-70km/h .Then suddenly horse jumped in the road,about 5 meters in the front of my car.I braked real hard,but hit the horse.Turned on warning lights,and left car on the road. Bonnet broken,windscreen broken,mirror broken...Instructor called to garda,and minutes later garda and farmers son showed up.Garda took all the details,and he said,it was not my fault.Farmer who owns the horse is on hollidays at the moment,so we really dont know if he was insured.Anyway farmers son said if farmer not insured,he is going to pay with cash.We moved the car to garage,witch going to prise the repair costs.Mechanic said estimated cost1500-2000€.The worst thing is,that i bought the car only monday,got insured over the phone yesterday.Don't have a insurance disk yet,so garda told to me that i must bring insurance disk to garda station in 10 days. Its 2002 peugeot 307 btw.Should i ring to my insurance company,and report accident?Will reporting have any effect on my insurance premium cost?

Tipsy Mac · 25-03-2009 6:42pm

I am afraid the bad news is that a horse has more right on the road than a car and I think in all cases of a collision the car is in the wrong, it goes back to old times. If it was a dog, cow or other animal the owner would be liable.

MarkR · 25-03-2009 6:43pm

No harm reporting it to your insurance, just point out that you won't be claiming on the accident, just in case the farmer starts calling looking for money. Sounds like you did all the right things, so don't worry.

Bear in mind that car-hire is going to be pricey enough for the time that is required to find a garage and get it repaired.

Darragh29 · 25-03-2009 6:44pm

Did this incident happen on a mane road!?!?!?!

:D:D

masseyno9 · 25-03-2009 6:44pm

Presumably that would be a horse under the control of a person though. Not one that can freely jump out on the road.

MarkR · 25-03-2009 6:45pm

Tipsy Mac wrote: »

I am afraid the bad news is that a horse has more right on the road than a car and I think in all cases of a collision the car is in the wrong, it goes back to old times. If it was a dog, cow or other animal the owner would be liable.

Doesn't the horse have to be under control?

FX Meister · 25-03-2009 6:45pm

I seriously doubt that Tipsy

Bogger77 · 25-03-2009 6:46pm

Tipsy Mac wrote: »

I am afraid the bad news is that a horse has more right on the road than a car and I think in all cases of a collision the car is in the wrong, it goes back to old times. If it was a dog, cow or other animal the owner would be liable.

is it not that the horse + rider has right of way, similar to pedestrian, horse without rider (sounds like escaped from paddock or yard) reverts to "animal", and owner has responsibility for horses actions?

jayteecork · 25-03-2009 6:49pm

So was the horse killed outright?

Why no mention of the poor horse's fate?

There he was enjoying a nice stroll in the spring and some learner driver comes along at 70km/h and hits him.
I'm with the horse on this one.

DubTony · 25-03-2009 6:50pm

Darragh29 wrote: »

Did this incident happen on a mane road!?!?!?! :D:D

:D:D FFS Darragh, do you hunt down these threads?

enviro · 25-03-2009 6:56pm

The animal wasn't under control so I wouldn't say you will be liable. Tell your insurance company, just to play it safe. Make it clear you are not claiming. Was the horse killed?

HighMan · 25-03-2009 6:59pm

Tipsy Mac wrote: »

I am afraid the bad news is that a horse has more right on the road than a car and I think in all cases of a collision the car is in the wrong, it goes back to old times. If it was a dog, cow or other animal the owner would be liable.

the law has changed in this. Any unattended loose animal and any damage it causes is the responsibility of the owner whether he is insured or not. With regard to your insurance, if you have paid your premium you should have no problem. Also I am sure if you check the small print on your policy, you may be obliged to inform your insurance company of any accident whether it was your fault or not. If you ever have to claim off your insurance the premium would not be affected until your next renewal.

25-03-2009 7:01pm

Tipsy Mac wrote: »

I am afraid the bad news is that a horse has more right on the road than a car and I think in all cases of a collision the car is in the wrong, it goes back to old times. If it was a dog, cow or other animal the owner would be liable.

i hope that's not how backward some of out laws are. op should be able to sue farmer along with repairing car imo.

Mandzhalas · 25-03-2009 7:05pm

farmer took full responsibility about th crash

Mandzhalas · 25-03-2009 7:09pm

Tipsy Mac wrote: »

I am afraid the bad news is that a horse has more right on the road than a car and I think in all cases of a collision the car is in the wrong, it goes back to old times. If it was a dog, cow or other animal the owner would be liable.

im afraid the horse jumped in the front of the car from farmers field.Car behind me witnessed that

Mandzhalas · 25-03-2009 7:11pm

Darragh29 wrote: »

Did this incident happen on a mane road!?!?!?! :D:D

are you laughing from my english? i am not irish,you know...

Mandzhalas · 25-03-2009 7:14pm

jayteecork wrote: »

So was the horse killed outright?

Why no mention of the poor horse's fate?

There he was enjoying a nice stroll in the spring and some learner driver comes along at 70km/h and hits him.
I'm with the horse on this one.

no,the horse is allright.

Pyr0 · 25-03-2009 7:16pm

Mandzhalas wrote: »

are you laughing from my english? i am not irish,you know...

It was a little joke -

Horse hair along the neck of the horse = mane

And of course a main road, get it ?

Mandzhalas · 25-03-2009 7:23pm

Pyr0 wrote: »

It was a little joke -

Horse hair along the neck of the horse = mane

And of course a main road, get it ?

thats funny :pac:. Sorry

slavetothegrind · 25-03-2009 7:38pm

DEFINITELY report it to your insurers.

As stated you are obliged to under your policy but also there may be comeback.

A lad i know was knocked off his bike by a man in a car who suddenly pulled a 3 point turn on a main road in dublin city centre.

Witnessed by lots, three of the witnesses supplied names and addresses to the lad and offered every support. Car driver apologised profusely and offered to pay for the damage straight up! This lad was fairly bruised and there was light damage to the bike but decent sort he is, he accepted the apology from a genuinely repentant motorist and went on his way with no money or intent to claim in any way.

Weeks later he gets a letter from the motorists insurance company looking to recover the cost of repair to his vehicle ( front end damage)!!!!:eek:

So the lad rings the motorist, who is totally unaware of this and had the damage repaired under his fully comp insurance. Motorist rings his insurers who tell him it's none of his buisness, they are handling it as entitled to under policy. Motorist is sorry but can do nothing.

So lad has to get a solicitor to act on his behalf and sort it out!

Insurers are ( insert all expletives you can think of and then some)

So to avoid any future hassle for yourself let them know all.

Sorry to hear of your misfortune, don't let it put you off!

tdc · 25-03-2009 8:37pm

thread of the year!!! :pac:

tdc · 25-03-2009 8:39pm

jayteecork wrote: »

So was the horse killed outright?

Why no mention of the poor horse's fate?

There he was enjoying a nice stroll in the spring and some learner driver comes along at 70km/h and hits him.
I'm with the horse on this one.

LMFAO!!! :pac:

25-03-2009 8:40pm

Mandzhalas wrote: »

no,the horse is allright.

Really? that's good at least, I was about to post and ask what happened to the poor thing

Gran Hermano · 25-03-2009 8:45pm

Sounds like you were lucky you had an instructor with you.

Hopefully the farmer will pony up after his hols.

DubTony · 25-03-2009 8:48pm

Gran Hermano wrote: »

Sounds like you were lucky you had an instructor with you.

Hopefully the farmer will pony up after his hols.

:D:D LMAO

Darragh29 · 25-03-2009 9:40pm

Gran Hermano wrote: »

Sounds like you were lucky you had an instructor with you.

Hopefully the farmer will pony up after his hols.

I'd trot straight up to the farmers insurance broker if I was you OP!

:D:D You Neeeeeeeeehhhhhh...ver know when an auld horse will jump out in front of ya!

Fey! · 25-03-2009 9:54pm

OP; hopefully you've gotten any bad luck out of the way early in your driving lifetime!

Inform your insurance company, giving them details of the farmer, the witnesses, and the gardai who attended the scene.

Best of luck with getting it sorted out.

L-M · 25-03-2009 10:44pm

DubTony wrote: »

:D:D FFS Darragh, do you hunt down these threads?

FAIL! Haha...

What does a ... Oh no... Better not say that one:rolleyes:

Nonoperational · 25-03-2009 10:47pm

Unlucky there. Not your fault though, the horse is ok and the farmers son seemed sound out! Could be worse.

partyatmygaff · 25-03-2009 10:52pm

Amazing the horse was allright, any human getting hit at anything near 70kmh would nearly 95% have no chance of survival.

Accidents happen, let it be the first of many,

philstar · 26-03-2009 7:42am

was it as bad as this......

Rovi · 26-03-2009 9:22am

While we're on the subject, here's a report from the Nenagh Guardian from a few years ago:

DubTony · 26-03-2009 10:09am

Rovi wrote: »

While we're on the subject, here's a report from the Nenagh Guardian from a few years ago:

:D:D at "4 faults" scribbled at the top of the article.

Jumpy · 26-03-2009 10:13am

DubTony wrote: »

:D:D FFS Darragh, do you hunt down these threads?

neigh.

Rowley Birkin QC · 26-03-2009 10:16am

Rovi wrote: »

While we're on the subject, here's a report from the Nenagh Guardian from a few years ago:

Has anyone else noticed it yet?

If not, have another look.

seasam · 26-03-2009 10:29am

Sounds like you had a bit of a MARE op !

DubTony · 26-03-2009 2:59pm

oh..oh ... have one.

It's a good job you weren't hoofing it

:D:D

what? NO? ah,- ok.

Darragh29 · 26-03-2009 3:06pm

DubTony wrote: »

oh..oh ... have one.

It's a good job you weren't hoofing it :D:D

what? NO? ah,- ok.

I hope the horse is at least in a stable condition after that accident...

:D:D

DubTony · 26-03-2009 3:21pm

Darragh29 wrote: »

I hope the horse is at least in a stable condition after that accident...

:D:D

Darragh, you are the master.

/tips hat

jebuz · 26-03-2009 4:30pm

I'm confused, hoof's fault was it?

L-M · 26-03-2009 4:58pm

Lads, this isn't AH, don't be horsing around :P

Darragh29 · 26-03-2009 5:28pm

If that happened to me OP, when I got the repair bill, I'd find the owner and put a saddle on him...

:D:D:D:D

Mandzhalas · 26-03-2009 5:30pm

:eek:

philstar wrote: »

was it as bad as this......

Honey-ec · 26-03-2009 7:19pm

joeclif wrote: »

DEFINITELY report it to your insurers.

As stated you are obliged to under your policy but also there may be comeback.

A lad i know was knocked off his bike by a man in a car who suddenly pulled a 3 point turn on a main road in dublin city centre.

Witnessed by lots, three of the witnesses supplied names and addresses to the lad and offered every support. Car driver apologised profusely and offered to pay for the damage straight up! This lad was fairly bruised and there was light damage to the bike but decent sort he is, he accepted the apology from a genuinely repentant motorist and went on his way with no money or intent to claim in any way.

Weeks later he gets a letter from the motorists insurance company looking to recover the cost of repair to his vehicle ( front end damage)!!!!:eek:

So the lad rings the motorist, who is totally unaware of this and had the damage repaired under his fully comp insurance. Motorist rings his insurers who tell him it's none of his buisness, they are handling it as entitled to under policy. Motorist is sorry but can do nothing.

So lad has to get a solicitor to act on his behalf and sort it out!

Insurers are ( insert all expletives you can think of and then some)

So to avoid any future hassle for yourself let them know all.

Sorry to hear of your misfortune, don't let it put you off!

So how did the insurance company get the cyclist's details???

Sounds apocryphal to me.

Type 17 · 26-03-2009 9:43pm

Honey-ec wrote: »

So how did the insurance company get the cyclist's details???

Sounds apocryphal to me.

That particular story may well be apocryphal, but the bit about "Motorist rings his insurers who tell him it's none of his buisness, they are handling it as entitled to under policy. Motorist is sorry but can do nothing" often happens.

McSpud · 26-03-2009 10:07pm

Sounds like OP was very lucky as if the horse went through the windscreen like the pictures above would be lucky to survive.

I think the farmer is only liable if he has not taken due care to ensure the horse is locked up in the field. (e.g. fence was broken). AFAIK if the horse was able to jump for example a 10 foot fence or similar then the farmer is not liable.

L-M · 26-03-2009 11:01pm

The horse didn't over come it's final hurdle so.............................................

Mandzhalas · 27-03-2009 6:16pm

McSpud wrote: »

Sounds like OP was very lucky as if the horse went through the windscreen like the pictures above would be lucky to survive.

I think the farmer is only liable if he has not taken due care to ensure the horse is locked up in the field. (e.g. fence was broken). AFAIK if the horse was able to jump for example a 10 foot fence or similar then the farmer is not liable.

there was no gates at all in field...;) i still don't understand what the hell that horse was doing in that field

crashed in to a horse today

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