FWIW when I was in Waikato Hospital being treated for my broken collarbone, the charge nurse told me that the accidents resulting in this particular injury were caused by (in numerical order):
1. horse riding
2. cycling
3. motorbikes
Anecdotal and easy to pick holes in (after all, there are probably lots more horsey people in the Waikato than bikers...) but it does tend to indicate that speed is not necessarily the most important factor...
BTW I have ridden something even scarier than a horse: a camel. Only once.
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