The Legal Equestrian

Done to Death, but Still Important: Wear. A. Helmet.

I’m finally done with finals, and I can get back to blogging! The finals I just took were my last winter finals ever, so obviously I am super excited.

I wanted to address something that is extremely important, and I hope I’m not doing this topic to death (though the amount of fights I’ve seen about this topic on the internet indicate I am…), but I’ve seen a lot of photos of experienced riders without helmets. I am not taking away from the fact that it is an individual’s own personal choice as to whether they want to protect one of the most valuable parts of their body while on a large animal that is inherently unpredictable, but I also want to voice my own opinion on this sometimes controversial topic.

A study done by a team of scientists found that 44 percent of the 94 WEF riders surveyed experienced concussions during their riding careers. Out of those riders, all of them were likely to return to riding without receiving medical clearance of a licensed medical professional. Furthermore, 40 percent of riders had never been educated about concussions, and a mere 15 percent received concussion education from their trainers.

The risk for traumatic brain injury as a result of a horseback riding accident is something I don’t like to think about, especially now that I’m older. However, I would NEVER get on a horse without a helmet, whether I am jumping a course or sitting on a horse for a photo. In fact, when I was thinking of how to take Christmas pictures with my horses this year, I decided I would go helmet chic while my horses sported their festive Christmas hats.

I’ve seen an unfortunate amount of individuals riding without helmets – both on the internet and in person. The age ranged from those in their 20s, to those in their 50s, to young children (yes, I said young children!) To be quite honest, I am surprised that wearing appropriate headgear while riding a horse isn’t required by state statute. It may be required by a barn’s rules for insurance purposes, but I’ve seen firsthand how effective that rule is.. (no matter how many times you tell a grown woman to wear a helmet while riding, she always ends up reverting back to her non-helmet-wearing behavior after a few days).

However, I did come across the wonderful step New York took in making wearing helmets while horseback riding mandatory under state law. The new law, sponsored by New York State Senator Kenneth LaValle and State Assemblyman Fred Thiele, Jr., amends a previous New York law by requiring children ages 18 and under to wear a helmet while engaged in equestrian activities. The maximum fine for a violation of this law was also increased to $250, which I believe is the same fine for texting while driving in some states! According to an article on Riders4Helmets, New York was the first state to enact a law requiring children to wear a helmet while horseback riding. However, the law only required children ages 14 and under, unlike the recently amended and passed version that increased the age from 14 to 18, which I think is great. The maximum fine under the previous law was also $50, which really is not that much money if you think about it (at least in my opinion…)

I’ve had a few falls during my horseback riding career, but my worst one was at the backend of a jump. My pony decided he wanted to stop and pull his head down, and I somersaulted over his neck, and landed smack dab on my head. The helmet I was thankfully wearing cracked so loudly upon landing that my best friend thought I had cracked my neck. I was able to get back on my pony and do the same line without any issues, but I did go to the emergency room after I got home. While I still question the doctors’ lack of concern for my headache and their over concern about my sore shoulder which they claimed was indicative of a “ruptured spleen,” I was lucky to come out of that with just a sprained shoulder because I was wearing my helmet. I still don’t know if I had a concussion, but the headache and sleepiness that came about after I got home leads me to believe I did have one, even if the doctors weren’t that concerned.

It is your choice whether you want to ride without a helmet, at least if you’re over 18 years of age in New York, but I strongly urge everyone considering taking this dangerous and potentially deadly step to think long and hard about the potentially life-altering and life-ending consequences that can result.

NJ Assemblyman Sponsors Bill to Eliminate NJ Sales Tax on Horse Boarding

If you board your horse or own a horse boarding business in New Jersey, chances are you’re aware of the extra 7% charge that must go onto boarding fees every month. (If you own a boarding business and aren’t aware of this, go here for an idea of what you should have been doing since 2006 or you might have the New Jersey tax officials after you!)

Fees for boarding horses are taxable unless a certain exemption applies such as boarding horses for a horse dealer or boarding  horses for a horse breeder. However, most of us just own our horse for the pleasure of riding and/or competing, so we have to pay that extra 7% each month.

There is some good news though. Assemblyman Ron Dancer has proposed legislation that would remove the sales tax on horse boarding. According to a press release, Dancer stated that there is a lot of confusion regarding the taxability of horse boarding. This confusion, he stated, “has placed New Jersey horse boarding businesses at a competitive disadvantage.” Since New York, Pennsylvania, and Delaware do not have a boarding sales tax, Assemblyman Dancer feels that New Jerseyans are on an uneven playing field with surrounding competitors.

I have some reservations about Assemblyman Dancer’s comments. I personally don’t know of anyone who would board his or her horse in one of the surrounding states to save money on the sales tax, unless of course, that person happened to live relatively close to the border. But for someone like me, who lives in northern New Jersey and is approximately an hour and a half outside of Pennsylvania, rural New York, and quite a ways from Delaware, I don’t think I would be willing to expend more driving time just to save myself from paying sales tax. I’d end up spending what I would’ve saved on gas!

Regardless, this is a good idea, and one I hope makes some movement next year in the NJ legislature. It will certainly reduce the burden on businesses who are tasked with figuring out whether they fall under the sales tax rule and who have to file quarterly sales tax reports with the state.

And what boarder is going to say no to saving some money every month? I’d like an extra $42 to put towards something else. Perhaps something from SmartPak?

What do you think? Vote in our poll below!

Bill of Sale: What to Include and What to Look Out For

As a disclaimer, one should always consider consulting with a licensed attorney about a purchase or sale contract when buying or selling a horse or pony. This article is not to be considered legal advice. Any questions regarding fact-specific situations should be taken to a licensed and knowledgeable equine attorney.

A sale contract for a horse or pony does not have to be long and complicated to get the job done. There are a few things that should be in every bill of sale. Ensuring your bill of sale has these things in it will protect you and the person with whom you are dealing. It should also be noted that the USHJA discussed a mandatory bill of sale rule at its annual meeting taking place this week.

What should you include in a contract for buying or selling a horse?

The buyer & seller: The buyer and seller of the horse or pony should be identified by full name, address, and phone number. It is also important that the seller listed on the contract is the same person listed on the horse or pony’s registration papers (if it is registered). A discrepancy between the two may cause problems down the road, especially if the sale is contested.

The horse/pony: A full description of the horse or pony should be in the contract. This includes its name (registered name and barn name, if there is one), age, color, markings, breed, a registration number (if there is one), and a microchip number (if there is a microchip). Be sure to be precise about the horse or pony’s description. List any specific markings or scars.

Information about the sale: This includes the sale price and how the price is being paid. If the price is being paid in cash, make sure to specify that. If a trade is being made, specify the terms of the trade and what is being exchanged for what. Sometimes individuals buy a horse or pony and pay in installments. If this method is being used, be sure to note the down payment, how often subsequent payments are being made and the amount of them, and how long the subsequent payments are being made. If installment payments are involved, be sure to specify when the buyer actually takes ownership of the horse or pony and what happens if the buyer fails to complete the payments. Also specify where the horse will be located while the payments are being made and who will have possession of any pertinent papers such as registration papers and medical records. Also be sure to list the date of the sale as well for legal and tax purposes.

Pre-purchase exam: Before I talk about how this should be spelled out in the agreement, please know that it is very important to get a pre-purchase exam. It maybe expensive, but it will save you a lot of money in the long run if you discover any problems before you commit to buying a horse or pony that you may not be able to return in the future if you discover an undisclosed problem. With that said, if the buyer decides not to obtain a pre-purchase exam, this should definitely be noted in the contract. This notation is important as it will protect the seller in the future since the buyer elected not to investigate the horse or pony before he or she committed to purchasing it.

Risk of loss & warranties: It is important to specify when the buyer takes responsibility for injury or death of the horse or pony as well as any injuries the horse or pony may cause in the future. Risk of loss usually passes to the buyer when the contract is signed or when the buyer takes possession of the horse, which may be later than the signing of the contract if installment payments are involved. As for warranties, typically a horse is sold “as is.” This means that the seller does not make any representations or warranties regarding the horse or pony’s future fitness and performance. It is important, also, to ensure that any statements the seller made about the horse orally are in writing, as those cannot be proven in the future if a problem arises. If a seller is representing that the horse is sound, then the seller should have no issues putting that in writing.

Does the buyer need to obtain insurance?: If the horse or pony is being sold using installment payments or if it is going out on a trial period, the seller should insist on obtaining insurance for the horse or pony. The buyer would also be advised to agree to this, as it will protect both parties if anything was to happen to the horse or pony before the trial period was up or before the installment payments are completed.

Attorney’s fees & choice of law: Contracts often will specify who bears the attorney’s fees if a dispute arises. They also specify which laws the party will be sued under. It is most common for the contract to specify that the loser in a potential legal action will pay the winning party’s attorney’s fees. Additionally, if the parties are from different jurisdictions, it is important to specify where the individual will be sued. Laws are different in different states, and something that may come out favorably in New Jersey might not come out the same way in New York or Pennsylvania.

Returns & rights of first refusal: If the seller is willing to accept the horse or pony back after the sale has been completed, this should be put in writing in the sale contract. Specify the terms of any return. While some sellers will accept the horse back and give a refund, others will not. Additionally, some sellers want to make sure that the horse or pony does not end up with someone they have not vetted themselves. While these provisions aren’t always enforceable, it is still a good idea to have them in writing in order to ensure some type of remedy if the buyer sells the horse or pony to a third party without your knowledge or consent. Set out the procedure for this very specifically as well.

Signatures: Any and all parties to the sale contract must sign it. It’s as simple as that.

Related articles

Things to Remember When Buying A Horse

I have seen a lot of people make horse buying mistakes – even individuals who have been in the horse business for years! There is a right way to go about buying a horse, and everyone should do their research to make sure they are asking the right questions before they sign that contract or write out that check.

    1. Always go look at the horse you’re thinking of buying. The internet has become a huge marketing tool nowadays. There are more horse buying and selling websites than I can name, and Facebook even has its own groups for buying and selling horses. While sellers can post videos and photos of the horse they are advertising, these are not always accurate. Nothing beats getting your own first hand look at the horse you are thinking of buying. Seeing the horse in person will allow you to identify any flaws the horse may have that were not identified in the sales ad. You also will be able to see how the horse behaves the entire time it is being ridden. Let’s face it: It’s extremely easy for someone to take an hour’s worth of riding footage and cut it down into a 10-minute video, but the catch is that you will never know what happened in the other 50 minutes of riding. Was the horse well-behaved? Or did the rider have to take half an hour to make sure the horse got all of its yahoos out before a suitable video could be shot. There is also no way of knowing when a photo or video was taken. The footage you have could be years old, and the horse could have changed significantly by now.
    2. Bring someone experienced and trustworthy with you. If you do not have a lot of horse experience, then bringing your trainer or a knowledgeable friend with you is an absolute must. If you do have experience, it is still good to bring someone else with you when you go look at and ride the horse. Having a second opinion is always valuable, and two heads are better than one. Your buying companion may think of questions that you may not have and vice versa. For those of you who are not as horse savvy, bringing your trainer or barn manager with you can keep you from making a big mistake when committing to buying a horse. Many times the seller will allow the trainer and the purchaser to ride the horse. Your trainer can let you know if they feel the horse you are thinking of buying is the right horse for you.
    3. Get a vet check. This is probably one of the biggest mistakes a first-time horse buyer can make. If there is one thing you are going to do, you must get a vet check. It doesn’t matter if the horse is $1,000 or $50,000. A cheap horse is not always an inexpensive one. Ever heard that saying “never look a gift horse in the mouth”? If possible, use a veterinarian that you know and are comfortable with. Try not to use the veterinarian that has routinely cared for the horse you are buying. You want an unbiased opinion that will tip you off to any potential problems, not one that minimizes or downplays any issue the horse may have or has had. Although it will be expensive, obtaining a vet check will be invaluable for the future, especially if the horse has a health issue that would not be detected without a professional. Make sure you get x-rays and have the horse’s blood drawn. Lab work will show whether the horse has been treated with any medications. Imagine riding a dead quiet horse at the pre-purchase visit, buying the horse, and having it turn into a monster a month later. Drawing blood can prevent all of these potential problems.
    4. Get everything in writing. Aside from getting a vet check, this is another huge mistake that buyers and sellers make. It is very important that a written agreement is involved, whether the purchase is subject to a vet check, a trial period, or an installment sale. A bill of sale should describe the terms of the sale, as well as information specific to your situation. If you are taking the horse on trial, the agreement should state under what circumstances you can return the horse. If the purchase is pending a successful vet exam, the agreement should set out what circumstances would warrant a return of the horse. Having everything in writing is very important, and there are so many things to keep in mind, for both buyers and sellers, that a whole separate post can be dedicated to a bill of sale. Just remember to be as specific as possible to protect both yourself and the person you are dealing with.

One other tip for buyers is to ask the horse’s owner to authorize the release of the horse’s medical records to you. That way, you can check for yourself whether what the seller is saying about the horse’s history is true. Is the horse truly sound? Does the horse truly have no history of colic? If the seller is reluctant to release this information to you, it could be a red flag.

Related articles