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Author: joikim Big red star, 1000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 17885  
Subject: car hit by a horse Date: 11/3/2012 10:24 PM
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Freak accident happened today. I was at a party at the barn where my friend works, with lots of other people and their horses. Her horse spooked (she wasn't on him) and he ran full speed into the front of my parked car. He hit the right front fender went onto the windshield and hood and then sort of slid down the hood before running off into the pasture. He didn't break any bones, thank goodness, but they think, from the xrays, he chipped his shoulder. He's under observation at the vet's.

I have GEICO. My car is a 2000 Honda that is/was in very good shape both exterior and mechanically. I have a $500 deductible. I think all the damage is superficial. I moved it a few feet so they could back in the trailer for him to go to the vet, so I know that it drives with no scraping or clanging. Despite both front fenders and the hood being smashed in, the engine sounded fine and there was no obvious leaking, noises, etc. I left it there to be towed Monday to a body shop, as the windshield was shattered so I did not want to try to drive it on the road, it would be at least 15 miles to nearest body shop in town.

My friend's mom offered to pay for my deductible. They probably don't have the money, though. I don't know if the stable's insurance would cover this or my friend's professional liability insurance (I'm assuming she has this as she is an instructor). I don't know what questions to ask. I do not want to make things more difficult for them, as their horse is seriously hurt and my car is just a thing, but I also cannot easily afford this either. I'm just hoping the car isn't totaled due to it's age.

Any advice or suggestions? Thanks in advance
JK
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