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Reflective Gear
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Wear reflective clothing when riding out and make sure that you and your horse are seen no matter what time of year it is! The sooner a driver can see you the quicker he can react to you and your horse. When buying tabards it may be worth buying ones without writing on. Some insurance companies see the "Please pass wide and slow" and "Caution young horse" as an admission of a horse which is unsafe on the road. Therefore, the rider can be deemed negligent for riding such an animal on the road should an accident occur!!
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