Working as an insurance adjuster for 45 plus years I can tell you free range laws or not if you own animals it is your duty to keep them off the highway and off other peoples property. I worked many of these types of claims over the years and usually the animal owner's fences were in a poor state of repair and/or someone left the gate open and no it wasn't the horse that did it and even if did he is property and you the farmowner owns the animal and are liable. Now if you had a storm last night and a tree fell onto the fence and the animal got out where the fence is down you might be able to make a case for no liability and the insurance company can decide if the claim is worth fighting or best to settle. Most insurance companies are members of an arbitration alliance and the facts are presented to the members from various companies-reps from each company serve but not all at the same time. They will decide liability and if you are a member what the board decides is binding.
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Today's Featured Article - Memories of a Farmall C - by Monty Bradley. When I was a child, my grandparents lived on a farm owned by a Mr. Walters. The crops raised were cotton and soybeans, with about forty head of mixed breed cattle. Mr. Walters owned two tractors then. A Farmall 300 on gasoline and a Farmall C, that had once belonged to his father-in-law, and had been converted from gasoline to LP Gas. Many times, as a small boy, I would cross the fence behind the house my grandparents lived in and walk down the turn row to where granddaddy would be cultivati
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