Glad that you are into safety . Kind of figured you were. As an aside, helmets should be mandatory regardless of age. They are at all horse shows for hunter classes, flat and over fences. One wonders what would have happened to Christopher Reeves without a helmet.
A friend's mother lost her sense of smell after taking a fall (no helmet), now she wears one all the time. It is very scary, horses are "spooky" by nature, some very easily alarmed, some "bullet proof" but, even the most bullet proof horse can get spooked. A bee sting can do it, a leaf falling the wrong way, etc. They are "spooky" primarily because they have been ,for eons ,the prey of other animals, so, by nature are always on the flee mentality if alarmed. Luckily, Disney finds the most bullet proof ones they can, and seriously, they are practically comatose.
I am sure in your profession you see lots of accidents that could have been prevented, skate boards, scooters, bikes, etc. Nothing is without risk. We try to do what we can.
BTW, kudos to you about your child riding in the back seat. Best place for them.
