Not an urban legend at all. Whoever told you that is an idiot.
I don't know about road biking, but the trail ettiquette standards as advised for mountain biking by IMBA, is that horses always have the right of way. It is recommended to announce yourself, dismount, move off the trail and let the horse go by. OR, stop the bike and ask the rider what he wants you to do. Bikes never have the right of way, unless a horseback riders tells you to go ahead.
Depending on your community, and the nature of most horses ( ie, good stable trail horses or high-strung expensive pets) may factor in how you deal with it.
In this case the horse person knew that her horse was solid around things like cyclists, which is NOT always the case. I've seen horses shy from bicyclists who are standing, helmets in hand, because they were spooky and not accustomed to the site.It's okay, keep riding!" I stayed on the bike and neither horse seemed to notice me. I'm wondering now if the whole spooking horses thing is just a myth or if the horses around here are just so used to seeing cyclists that they never bat an eyelash. Has anyone else had any unusual experiences when bikes and horses cross paths?



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I think I would always err on the side of caution.

