|
|
 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. |
|
| |
|
 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. |
|
| |
|
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.
|
|
| |
|
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. |
|
| |
|
Expert
Posts: 2685
| I have nothing to offer but prayers. I'm so sorry. |
|
| |
|
 Expert
Posts: 2154
Location: USA | Many hugs and prayers for you! |
|
| |
|
 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.
|
|
| |
|
 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. |
|
| |
|
 Shelter Dog Lover
Posts: 10277
| So sorry |
|
| |
|
| 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
|
|
| |
|
 Accident Prone
Posts: 22277
Location: 100 miles from Nowhere, AR | I'm sorry about your horse! |
|
| |
|
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. |
|
| |
|
 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 ... |
|
| |
|
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.  |
|
| |
|
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?? |
|
| |
|
 Do You Feel Lucky Punk?
Posts: 3156
Location: NM...the Land of Manana | So sorry! |
|
| |
|
 Undercover Amish Mafia Member
Posts: 9992
Location: Kansas | |
|
| |
|
  Playing the Waiting Game
Posts: 2304
| So sorry for your loss... I hope you all get it taken care of with the least hassle. |
|
| |
|
The Advice Guru
Posts: 6419
| Prayers for healing and a quick resolution. |
|
| |
|
 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
|
|
| |
Folks on-line