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I'm not sure about Texas but in Indiana the owner of the horse is liable for all damages in the accident. In Indiana we have alot of horse accidents and depending on if it was just a horse running wild that got away from someones farm or if it was a horse and buggy accident. It doesn't matter always the owners responsibilty.

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Q: Is a person liable for damages in auto accident caused by a horse loose on a county road in Texas?
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