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 Elite Veteran
Posts: 1119
 
| My worst night just happened. We live on a highway. One of my horses got out, was hit and killed. My favorite horse.
I'm hoping our homeowners insurance will cover everything, but does anyone have any experience with this? A minivan hit him, and my husband said it appears to be totaled. They took the driver to the hospital, but the cop said she was up and walking around. I am so numb right now, I don't even know what to do. |
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 Expert
Posts: 1343
Location: Oklahoma |  I am so very sorry for you. I think a lot will depend on your state's laws about fencing in or fencing out and open range. It can be very confusing. If you post your state, maybe someone who is familiar with that can tell you. |
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Elite Veteran
Posts: 1119
| I'm in Missouri. I am 99.9% sure we are responsible, given what friends of ours have had to deal with when one of their cows got hit.
I'm going to call the insurance company first thing, I just hope that it will go smoothly. I have no idea what our policy states about issues like this. We have a $1000 deductible, so I know that will be the bare minimum cost.
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Industrial Srength Barrel Racer
Posts: 7268
 
| I am so very sorry! I gave an old horse to a neighbor of mine and he didn't shut the gate and the horse got hit on the road in front of our houses. The driver's insurance covered it - althought they tried to sue my neighbor - nothing ever came of it because it wasn't a "habitual" problem of him having horses get out. I'm in Kansas though, could be different here. |
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Expert
Posts: 2685
| I have nothing to offer but prayers. I'm so sorry. |
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 Expert
Posts: 2154
Location: USA | Many hugs and prayers for you! |
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 Extreme Veteran
Posts: 501
Location: Oklahoma | I went thru this exact thing in 2010- it was awlful. We had her since she was 5 months old and she was 6. I feel for you. I was very glad the driver wasn't hurt- but it was a sad day for missing her. In Oklahoma- there is a dumb animal law as long as the owner doesn't have habitual issues with horses being out etc. The drivers insurance paid for her vechicle.
Prayers for you . It's so hard in so many ways. I NEVER want to see anythign like that again. Luckily Rey was killed on impact.
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 Buttered Noodles Snacker
Posts: 4377
Location: NC | I am sooo sorry for your loss. I am very glad that it sounds like the lady was ok. This happened to my husband and I while we were younger. I use to keep my horse at his parent's house. one year someone down the rd was shooting illegal fireworks and they ran through the fence. luckily a big 18 wheeler hit the one horse so no one was injured, though my husband's horse died and mine was clipped and injured and not found until the next day. it was such a traumatic experience. I was younger and it wasn't on my property so I didn't have much to do with the details. but I believe the drivers insurance covered it but they did come check the fence and make sure it was appropriate for horses. |
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 Shelter Dog Lover
Posts: 10277
| So sorry |
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| I had a horse get hit and injured pretty badly in 2009. He was side-swiped not hit broad-side by a semi. The semi had what the cops thought to be about $5,000 - $6,000 in damages to it. My vet billed (covered by insurance) was in the neightborhood of $8,000. Anyhow, I thought for sure we'd be hearing from the semi driver's insurance but we never heard a word. My horses got out of a gated pasture and then the one also went over a cattle guard. We think he injured himself in the cattle guard as much as he did with the truck side swiping him.
I'm so sorry for your loss and the stress that this has brought you. Prayers for all involved. Just think be very thankful no one was killed and think positively that all will work out fine.
Edited by runs4fun 2014-09-09 8:22 AM
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 Accident Prone
Posts: 22277
Location: 100 miles from Nowhere, AR | I'm sorry about your horse! |
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Elite Veteran
Posts: 1119
| Thank you everyone, I am so heartbroken and sick over this. Luckily my husband went down and identified the horse, so I have not had to see him, but from what my husband said, it's pretty bad with lots of blood on the highway. I feel so horrible because Harley has to lay in ditch until my husband is able to get off work. I went into work today because the other horses were calling out for him and it was just ripping my heart out.
When I called to make the claim, the woman that took the call has horses also and started crying when I told her what happened. It's been incredibly emotional trying to process this.
To top the morning off, my vehicle wouldn't start so my coworker had to come pick me up. |
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 Expert
Posts: 2457
| OH NO!! A roommate of mine had this happen while we were in college on her barrel horse. I'm so sorry for your loss ...
Is MO a fence in or fence out state?? That will determine what insurance will cover for the loss of the horse and what your liability insurance will cover due to the accident ... |
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Veteran
Posts: 227
Location: Heart of Texas | I'm so sorry for your loss. It could happen to anyone. My silly hubby forgot to lock one of my horses stalls just last Friday and thank god he stuck around the barn all night. I think if both had gotten out it would have been a different story. But I can't imagine what you're going through.  |
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Expert
Posts: 2457
| MissouriJen - 2014-09-09 8:55 AM
Thank you everyone, I am so heartbroken and sick over this. Luckily my husband went down and identified the horse, so I have not had to see him, but from what my husband said, it's pretty bad with lots of blood on the highway. I feel so horrible because Harley has to lay in ditch until my husband is able to get off work. I went into work today because the other horses were calling out for him and it was just ripping my heart out.
When I called to make the claim, the woman that took the call has horses also and started crying when I told her what happened. It's been incredibly emotional trying to process this.
To top the morning off, my vehicle wouldn't start so my coworker had to come pick me up.
HUGS from KS ... I'm so sorry. Maybe take a sick day to grieve?? |
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 Do You Feel Lucky Punk?
Posts: 3156
Location: NM...the Land of Manana | So sorry! |
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 Undercover Amish Mafia Member
Posts: 9992
Location: Kansas | |
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  Playing the Waiting Game
Posts: 2304
| So sorry for your loss... I hope you all get it taken care of with the least hassle. |
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The Advice Guru
Posts: 6419
| Prayers for healing and a quick resolution. |
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 A Somebody to Everybody
Posts: 41354
Location: Under The Big Sky Of Texas | Oh no so sorry to hear this  , it hurts no matter how we lose a horse or a pet.
I know here in Texas if on a farm to Market road we are not liable for livestock being hit but on State highway we are liable. Hope the driver is ok, I have seen a few accidents between livestock and cars/trucks and most drivers are not so lucky. Prayers that this gets taken care of fast so you can get it all behind you.
Edited by Southtxponygirl 2014-09-09 10:08 AM
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 Texas Taco
Posts: 7499
Location: Bandera, TX | So very sorry. |
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 Roan Wonder
Location: SW MO | We had this happen a few years ago. We turned it on our home owners insurance & they paid. They first had to come out and see if we were responsible. A gate had been left unlatched. You have to have liability on your livestock for it to cover it |
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 Stinky Cat Owner
Posts: 4097
Location: Oregon | I am soooo sorry for your loss |
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Elite Veteran
Posts: 1119
| The insurance company should be calling me back today to let me know if they cover it or not. I honestly don't know what we would do if they don't... |
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 Pork Fat is my Favorite
Posts: 3791
Location: The Oklahoma plains. | I am so sorry for your loss. |
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 Elite Veteran
Posts: 999
Location: Sunny So Cal | I'm so sorry. No one should ever have to go through that. Sending prayers and hugs your way. |
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 BHW New Catch of the Day
Posts: 9884
Location: Missouri | So sorry to hear that. Might want to talk to an attorney in case the driver sues. |
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Elite Veteran
Posts: 1119
| Our insurance is covering it! The only possible good news I could get today.
Thank you everyone for your prayers and support. This has been the toughest day I've been through in a very long time. |
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 Angel in a Sorrel Coat
Posts: 16030
Location: In a happy place | I am so sorry. |
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 If it Ain't a Paint it Ain't!
Posts: 8519
Location: Mansfield, Tx |
Glad you got some good news out of this rough day....
I'm soooo sorry for your loss.... |
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 South Texas Hottie
Posts: 12130
Location: IM A DUDE!!!!!!! | MissouriJen - 2014-09-09 3:14 AM My worst night just happened. We live on a highway. One of my horses got out, was hit and killed. My favorite horse.
I'm hoping our homeowners insurance will cover everything, but does anyone have any experience with this? A minivan hit him, and my husband said it appears to be totaled. They took the driver to the hospital, but the cop said she was up and walking around. I am so numb right now, I don't even know what to do.
I had a horse get out and got hit by a truck around18 years ago. The people who hit my horse didnt go to the hospital. Their insurance covered their truck and got them a brand new one. They called us once to see if we could give them money to fixed their damaged truck. The truck had been damaged before and they wanted us to fix it like new. We were going to court but their insurance company didn't make the effort to come to court. I lived in south Texas and their insurance company was in Austin so they didnt feel the need to drive all the way down. Plus our lawyer told them how they contacted us wanting money which is a form of harassment |
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 Max is Back
Posts: 6795
Location: Flat Rock,IL | So sorry this happened to you. |
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Sideways Riding Expert
Posts: 11371
Location: ND--it snows, it floods, it snows, it floods | So sorry this happened but a good lesson to the rest of us to check our insurance and make sure that home owners or farm and ranch policy covers us if such a thing should happen. |
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| MissouriJen - 2014-09-09 11:47 AM The insurance company should be calling me back today to let me know if they cover it or not. I honestly don't know what we would do if they don't...
Get your policy out and read it very carefully. Insurance companies are sometimes guilty of not paying if they think they can get away with not paying. Educate yourself and don't just assume that what the adjustor tells you is correct. Your policy tells you what it includes and what it excludes, often times there are endorsements done for individual needs of various homeowners that your agent will set you up with. Some policies have what's called a "Country Squire" endorsement for horse owners. If you have such an endorsement (may have a similar name for different companies), you've paid extra for it and want to make sure you get what you paid for. |
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Elite Veteran
Posts: 1119
| runs4fun - 2014-09-09 2:10 PM MissouriJen - 2014-09-09 11:47 AM The insurance company should be calling me back today to let me know if they cover it or not. I honestly don't know what we would do if they don't... Get your policy out and read it very carefully. Insurance companies are sometimes guilty of not paying if they think they can get away with not paying. Educate yourself and don't just assume that what the adjustor tells you is correct. Your policy tells you what it includes and what it excludes, often times there are endorsements done for individual needs of various homeowners that your agent will set you up with. Some policies have what's called a "Country Squire" endorsement for horse owners. If you have such an endorsement (may have a similar name for different companies), you've paid extra for it and want to make sure you get what you paid for.
Thank you for the advice. We already decided we are going to be looking at our policy and see if there's anything we need to add. My mom mentioned that she has a $1mil umbrella policy in case anything would happen at their place, I'm wondering if we might need to do something similar.
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 The Famous Hot Wing Chicken Girl
Posts: 2964
| Prayers for you. |
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 Don't Wanna Make This Awkward
Posts: 3106
Location: Texas | Oh my I am so sorry you are going through this, prayers everything gets covered and goes smoothly and that you can move on |
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Expert
Posts: 2685
| Well thank the Lord its getting covered. Continued prayers for healing. Please know we are all here for you. If you need someone to talk to feel free. |
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 Veteran
Posts: 151
| I would also double check the state laws regardless! When I lived in OK, I had a horse get out and was hit...car totaled. My homeowners DID pay and then promptly raised our rates and canceled us at renewal (we also had a trailer stolen that year). It's hard to get alternate homeowners ins once you have been canceled.
I later found out out that with open range/fence out that we didn't have to cover it, his car insurance should have covered it. It ended up costing us in the long run a lot of money and headache. We had to wait three years before we could get any kind of competitive rate again. I don't know why my agent didn't give us better advice and/or know the laws :-(
Please double check before you make that homeowners claim!! |
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 Not Afraid to Work
Posts: 4717
| Prayers to you. This happened to a good family a few years back except it was 20 horses. They were told since they didnt have a history of this, it would be very helpful in the event of a civil suit.
Now as a dispatcher, we have several calls about horses (the same ones over and over) and if a good attorney ever pulled our records, the owners would be in a world of hurt due to the frequency and constant warnings.
These things happen and its so heartbreaking. |
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Veteran
Posts: 120
| I'm not sure why the open range laws are being called "dumb"....if you think about it..unless you are habitually having trouble with your horses getting out because you don't care of your fences....how are you negligent if your horse gets out? The laws protect the horse owner. If my horse gets out and gets hit and the driver of the car is hurt or even killed, I sure want to know that the states laws protect me against losing everything. Its certainly not the drivers fault. Its just like hitting a deer.
With that said..I am so sorry that you lost your horse. That is so devastating. Hopefully you carry liability for your livestock through your home policy. If you don't have any state laws to protect you, your insurance will be there in the event of a law suit IF you have liability for livestock. Unless you had your horse insured, there will be no coverage there. Good luck to you. |
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| MissouriJen - 2014-09-09 1:53 PM Our insurance is covering it! The only possible good news I could get today.
Thank you everyone for your prayers and support. This has been the toughest day I've been through in a very long time.
I am so happy to hear this great news! Whew! I know that's a HUGE weight off of you and hubby! |
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 Expert
Posts: 1631
Location: Somewhere around here | MissouriJen - 2014-09-09 3:14 AM
My worst night just happened. We live on a highway. One of my horses got out, was hit and killed. My favorite horse.
I'm hoping our homeowners insurance will cover everything, but does anyone have any experience with this? A minivan hit him, and my husband said it appears to be totaled. They took the driver to the hospital, but the cop said she was up and walking around. I am so numb right now, I don't even know what to do.
Oh Lord I am so sorry to see this
Today really isn't a good day for either of us. Keeping you in my prayers tonight. |
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 I Am Always Right
Posts: 4264
Location: stray dump capital of the world | I had one get hit when I was in high school 30+ years ago. Someone at the boarding stable left a gate open. My parents had a million dollar umbrella policy which was fortunate because the guy who hit the horse sued. He was also drunk and high on narcotics, but I guess the police didn't think that was important. He took my parents policy to the cleaners. It was ridiculous.
I'm very sorry for your loss. It's been 30+ years, but that night still haunts me. |
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 pressure dripper
Posts: 8699
Location: the end of the rainbow | I'm very sorry for your loss. |
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Horse hit by car