I think the salient point is "they swerved to miss the horse" and thus the damage was not caused by the horse but rather by them running off the road, personally if it was my car I'd turn it into my insurance company, they don't like to pay claims out of their own pocket, will make it near good with me and use the battery of lawyers on their payroll to try to get someone else to pay for it, conversely if you own the horse you should turn the note over to your insurance company, who also doesn't like paying claims out of their own pockets and they will use their battery of lawyers on their payroll to figure out if they have any liability, if they don't you can bet your sweet bippy they won't part with a dime. If the car owner doesn't like the answer of the insurance company they can sue you, then it will be up to your insurance company to defend you cause if you're covered and you loose the case they're on the hook for the judgement.
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Today's Featured Article - Gettin My Old Tractor Home - by Clayton Sweeney. My name is Clayton Sweeney. I am from Southern Maryland in a small town called Lothian. I am 20 and my father and I are the proud owner of a 1954 Allis Chalmers WD-45. When I was 18, I dated a girl in the next county over. Her family are tobacco farmers. It was a cold Thanksgiving evening, and we were going up to her Grandparents house. As we passed one of their barns, I noticed something orange in the corner of my eye in this old shed. It was pretty dark and I asked what it was
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