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 - An Old-Time Tractor Demonstration - by Kim Pratt. Sam was born in rural Kansas in 1926. His dad was a hard-working farmer and the children worked hard everyday to help ends meet. In the rural area he grew up in, the highlight of the week was Saturday when many people took a break from their work to go to town. It was on one such Saturday in the early 1940's when Sam was 16 years old that he ended up in Dennison, Kansas to watch a demonstration of a new tractor being put on by a local dealer. It was an Allis-Chalmers tractor dealership,
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