Looks like that’s the story and they are sticking to it.
Shame really if it is true. I hope the owners have insurance. I would assume they do, but it is going to hurt.
All those poor folks injured, in ER surgery, etc.
Prayers up for all involved.
I wish we knew what breed the horses were. Some breeds spook more easily than others. The one I had that was the worst was half Arabian half Appaloosa. Someone else might have the same mix, and have a very calm horse. Mine was a firecracker on a short fuse. She broke me in more places than I care to remember. Anyway, like you I hope the insurance is gold-plated. This is a very tragic situation, and I pray the injured heal quickly and fully.