"Fault" is something for the courts to decide. But, as other have said, it matters whether your state is an "open range" state. Most are not.
Owner of the car should file a police report and, assuming he has collision insurance, file a claim with his insurance company. The insurance company will handle it from there.
If the car's owner doesn't have collision insurance, he can attempt to collect damages from the horse's owner through small claims court.
From the perspective of the horse's owner, if the owner of the vehicle attempts to collect damages, he should probably turn it over to whatever insurance company he has: homeowner, farm, business, whatever.
From the perspective of a neutral party, a fair resolution would be for the horse's owner to pay the car owner's insurance deductible, or if he doesn't have collision insurance to split the cost of repairs.
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Today's Featured Article - Hydraulic Basics - Part 2 - by Curtis Von Fange. In the last entry to this series we gave a brief overview of hydraulic system theory, its basic components and how it works. Now lets take a look at some general maintenance tips that will keep our system operating to its fullest potential. The two biggest enemies to a hydraulic system are dirt and water. Dirt can score the insides of cylinders, spool valves and pumps. Wate
... [Read Article]
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