Dunkopf, I have seen plenty of people get BUCKED off by the horse but fewer that fell off (those that fell didn't really belong on one or should own one, as with your case) which gets to my point about insurance costs why should I pay for someone else stupidity? You as an insurance person knows that rates are set based on risk of the groups and then spread out so all pay for the risk takers. It should be like life insurance and the rates set on the individual. I should not have to pay for say a skydiver instructor or subsidize his rate because I use common sense. I have been in the logging business for over 25 years and have never been injured and have been driving for over 30 years and never been in an accident but then I was taught to think things through and not engage in risky "hey ya'all watch this" behavior. And by the way I was raised on a horse farm I can send you photos... as if It matters to me whether you believe me or not.