It's sad that I laughed at that last bit... especially as the insurance companys are advertising 'new for old'. So if they delivered a new foal, it'd be a couple of years before it would even start pulling a buggy.
My immediate family lived in Kitchener, Ontario, until recently. BIG Mennonite country and the buggies were/are a common sight everywhere. I don't recall there ever being an accident recorded in all the years they lived there.
The only "accident" I recall out that way was the woman in a buggy that was hit in the face by a thrown beer bottle a number of years back. Apparently somebody took issue with them being on the road.
Anybody that needs/wants to blast along all the time at 70mph+ should stick to the interstate. Many secondary rural roads are inherently dangerous - narrow, with bad sight lines.
Many of the big farms around me mostly
won't move large Ag implements after dark - but they do that by choice, the law in Ontario only requires an SMV sign on a towed implement. They often move a tractor
alone after dark, but all the new big ones come stock with plenty of lighting - locally a rotating beacon is often mounted on the top of the cab, but again, that is not a legal requirement AFAIK. Farmers are usually pretty practical, what's $100 or so for a beacon, on a $250k+ tractor ?
I pulled up behind an enclosed buggy out Kitchener way, guy had an SMV sign on it, and had very professionally installed red LEDs all the way around the perimeter to highlight the sign. I like that combination of olde/new.
"Modern" vehicles break down all the time, you can easily come around a curve on a rural road at night, and encounter a dead vehicle, or Jim-Bob's truck at the side of the road, "checking" for deer.
GTA cop was killed on the way to work in his own car. He slammed into a construction trailer parked at the side of the road, I think it was an empty flat deck. That happened within the Greater Toronto Area, not rural as I recall.
I know a guy that wrote off a 1 ton van, and just about himself too, pulling into the right hand of 2 lanes to pass a big truck in the city. Slammed into a loaded 40 ton construction dumpster that was sitting in that lane; his view was blocked by the bigger truck.
City or country, blindly (literally) assuming that the road is empty can have consequences, some being fatal.
I'm not a big R religious person, so when I look at the groups discussed here one thing I note is that they take the trouble to produce good quality food to eat, and get plenty of exercise. Never a bad strategy....
Rgds, D.