We run a horse farm and the equestrian liability laws are crystal clear... The rider is responsible for all damages. I suggest making up with the owner of the farm so you can get the name and address of the rider... give this info to your insurance company.
Here's a link to the NJ equestrian activities statute...
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Today's Featured Article - Third Brush Generators - by Chris Pratt. While I love straightening sheet metal, cleaning, and painting old tractors, I use every excuse to avoid working on the on the electrics. I find the whole process sheer mystery. I have picked up and attempted to read every auto and farm electrics book with no improvement in the situation. They all seem to start with a chapter entitled "Theory of Electricity". After a few paragraphs I usually close the book and go back to banging out dents. A good friend and I were recently discussing our tractor electrical systems when he stated "I figure it all comes back to applying Ohms Law". At this point
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