Java – i never, ever get on any horse without a helmet. I may not use a saddle, bridle, shoes or whatever, but I always wear a helmet. Most things can be repaired, but not heads. When I fell, I did have a helmet, saddle, bridle, chaps, etc. It was just a fluke accident. I am so sorry you were seriously hurt, but please don’t presume.
It is never the horse's fault