Having lived for a fair old while in the country (ooh-ahrrr), one knows to slow one's motor whilst approaching Lady Chlamydia Winless-Chunder perched on half-a-ton of self-propelled Kennomeat on country roads...
But only because Lady C might well be accompanied by her young gels clad in tight jodhpurs and clingy blouses, under which bounce perkily their.....oooh, nurse, Kleenex! And quickly please!
Giving reasonable consideration to nag-navigators is one thing, expecting to provide every Dobbin with its own low level avoidance area whenever it goes for a stroll across the bondhu is quite another.
'twould not seem unreasonable for horsists to obtain their own all-risks insurance in this day and age.