Horse riders are among the most vulnerable road users. Even a minor incident involving a careless driver can result in a serious fall, injuries to the rider, and trauma to the horse. If you've been involved in a horse riding accident on the road due to the actions of another driver — even one who left the scene or couldn’t be identified — you may still be able to claim compensation.

At Inson Legal, I represent injured horse riders across Bolton and Greater Manchester, offering No Win No Fee legal support and a personal, empathetic approach to your claim.

Common Causes of Horse Riding Accidents on the Road

While many drivers are respectful of horses and their riders, others fail to give the space and care required by law. Accidents often occur when:

• A vehicle passes too closely or too fast, startling the horse

• A driver revs the engine or uses the horn, causing the horse to rear or bolt

• A vehicle overtakes aggressively, leaving no room for rider or horse

• The horse is forced off the road due to poor driving or crowding

• A driver fails to stop after an incident, leaving the rider injured or shaken

Even if you did not get the vehicle’s registration number, and the driver is untraced, you can still bring a claim through the Motor Insurers’ Bureau (MIB) under the Untraced Drivers Agreement. I can handle this process for you and ensure your case is fully prepared.

Your Rights and Legal Options

Horse riders have the same rights as other road users, and drivers are legally required to pass wide and slow, ideally at no more than 10mph, according to the Highway Code (Rule 215). If a driver breaches this duty and causes an accident, they may be considered negligent — even if they’re never identified.

If your claim involves an untraced vehicle, I will submit it to the Motor Insurers' Bureau (MIB) and guide you through the process from start to finish.

You may be entitled to compensation for:

• Physical injuries

• Damage to your horse or tack

• Loss of earnings

• Veterinary bills

• Psychological trauma (e.g. anxiety, PTSD)

• Pain, suffering, and loss of enjoyment of horse riding

What the Claims Process Looks Like...

Here’s what you can expect when you bring your horse riding accident claim through Inson Legal:

1. Initial Consultation
   I’ll discuss the accident, how it happened, and whether a third party (even an untraced driver) may be legally responsible.

2. Evidence Gathering
   I’ll help gather witness statements, photos, vet reports, and medical records. Dashcam or CCTV footage may also support your claim.

3. Claim Submission
   If the driver is identified, a formal Letter of Claim is submitted to their insurer. If the driver is untraced, the claim is submitted to the Motor Insurers’ Bureau.

4. Liability Assessment
   The insurer (or MIB) will review the evidence and issue a response, either admitting or denying liability.

5. Medical Evidence
   I’ll arrange an independent medical examination to assess your injuries and recovery needs.

6. Negotiation & Settlement
   Once medical evidence is in, I’ll negotiate a fair settlement. Most claims are resolved without court proceedings.

Why Choose Inson Legal for Your Horse Riding Accident Claim?

• Local, experienced personal injury solicitor from Bolton – with a personal, one-to-one approach

• Over 14 years of experience handling personal injury claims, including equestrian claims.

• No Win No Fee representation – no upfront costs and no fees unless your claim succeeds

• Full support and advice with evidence gathering, and medical assessments

• Genuine understanding of the risks and challenges horse riders face on UK roads

Start Your Horse Riding Accident Claim Today

Horse Riding Accident Claims in Bolton, Oldham, Stockport, Wigan