Brittany Ann Jagdfeld v. Lynn Jagdfeld

COURT OF APPEALS
DECISION NOTICE
DATED AND FILED This opinion is subject to further editing. If
published, the official version will appear in
the bound volume of the Official Reports.
October 22, 2025
A party may file with the Supreme Court a
Samuel A. Christensen petition to review an adverse decision by the
Clerk of Court of Appeals Court of Appeals. See WIS. STAT. § 808.10 and
RULE 809.62.

Appeal No. 2024AP1448 Cir. Ct. No. 2022CV62

STATE OF WISCONSIN IN COURT OF APPEALS
DISTRICT II

BRITTANY ANN JAGDFELD,

PLAINTIFF-APPELLANT,

NETWORK HEALTH PLAN,

INVOLUNTARY-PLAINTIFF,

V.

LYNN JAGDFELD AND AMERICAN FAMILY MUTUAL INS. CO.,

DEFENDANTS-RESPONDENTS.

APPEAL from an order of the circuit court for Fond du Lac County:
TRICIA L. WALKER, Judge. Affirmed.

Before Neubauer, P.J., Gundrum, and Grogan, JJ.
No. 2024AP1448

Per curiam opinions may not be cited in any court of this state as precedent

or authority, except for the limited purposes specified in WIS. STAT. RULE 809.23(3).

¶1 PER CURIAM. Brittany Ann Jagdfeld appeals from an order
granting summary judgment in favor of Lynn Jagdfeld and her insurer American
Family Mutual Ins. Co. with respect to Brittany’s negligence claim, which arose out
of a horseback riding accident.1 Brittany contends the circuit court erred in
concluding that Lynn was immune from liability under Wisconsin’s equine
activities statute, WIS. STAT. § 895.481 (2023-24).2 Because the court correctly
concluded that the undisputed facts entitled Lynn to the statutory immunity, we
affirm.

¶2 The undisputed facts before the circuit court, many of which were
derived from Brittany’s deposition testimony, established the following. On June
23, 2019, Brittany visited the home of her former sister-in-law, Lynn, along with
several other women who were all previously acquainted. Brittany, then around
thirty years of age, had substantial horseback riding experience and considered
herself an “experienced horse rider.” She had ridden horses since she was 9 years
old, owned several horses until she was 18, and worked on various horse farms. She
estimated that she competed in approximately 20 show jumping and barrel racing
events each year between the ages of 12 and 17. In addition to competing and
working at various horse farms, she had worked as a counselor at a summer camp.
In that role, she assisted the campers with guided trail rides and instructed the
campers on how to saddle, groom, and care for horses. Her experience with horses
made her familiar with horse equipment. Brittany also acknowledged that Lynn

1
We refer to Brittany and Lynn by their first names because they share the same surname.
2
All references to the Wisconsin Statutes are to the 2023-24 version.

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knew she had “been an avid horseback rider for her entire life.” Drawing on this
admission, the circuit court noted “that Lynn … was well aware of [Brittany’s]
abilities and experience with horses.”

¶3 While Brittany, Lynn, and the other women were gathered at Lynn’s
house, Lynn offered to let Brittany ride her horse, and Brittany accepted. Lynn
saddled the horse while Brittany selected a helmet. Even though Brittany did not
double-check the cinch of the saddle, she did inspect the tack before attempting to
mount the horse and believed it “all looked like good, dependable equipment.”

¶4 To mount the horse, Brittany stepped onto a two-step mounting block
while Lynn brought the horse into position and held the lead rope around the halter.
Lynn did not place a bridle on the horse because, as Brittany testified, she intended
to “hand-lead walk him while I was on him.” Brittany acknowledged that there was
“nothing inherently wrong” with using only a halter to lead a horse on a walk even
though it offers less control of the horse. As Brittany pushed off of the mounting
block to swing her right leg over the horse, she “heard a very large crack” and the
horse moved forward. Brittany “felt the saddle shift backwards, and it spooked
him.” The horse continued to move forward as she tried to swing her leg over, and
she was “tossed … off” the horse and fell, fracturing her right leg.

¶5 Brittany sued Lynn for negligence, seeking to recover damages for the
injuries she sustained as a result of her fall. Brittany alleged in her complaint that
Lynn had acted negligently by failing to properly saddle the horse, failing to have a
bridle in the horse’s mouth, and failing to maintain control of the horse. Lynn
moved for summary judgment, arguing that she was immune under WIS. STAT.
§ 895.481(2) because Brittany was injured while engaged in an equine activity. The
circuit court granted Lynn’s motion after concluding that the statutory immunity

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covered Brittany’s accident and that no exception within the statute applied to
Brittany’s claim.

¶6 We review a grant of summary judgment de novo, using the same
methodology as the circuit court. Emjay Inv. Co. v. Village of Germantown, 2011
WI 31, ¶24, 333 Wis. 2d 252, 797 N.W.2d 844. Summary judgment will be granted
when “there is no genuine issue as to any material fact and … the moving party is
entitled to a judgment as a matter of law.” WIS. STAT. § 802.08(2); R.W. Docks &
Slips v. State, 2001 WI 73, ¶12, 244 Wis. 2d 497, 628 N.W.2d 781.

¶7 Brittany’s appeal turns on the interpretation and application of the
equine immunity statute, WIS. STAT. § 895.481. Our task in construing the statute
“is to determine what [it] means so that it may be given its full, proper, and intended
effect.” State ex rel. Kalal v. Circuit Ct. for Dane Cnty., 2004 WI 58, ¶44, 271
Wis. 2d 633, 681 N.W.2d 110. We start with the text of the statute, and if its
meaning is plain, “we ordinarily stop the inquiry.” Id., ¶45 (citation omitted). We
give the words of a statute their common, ordinary, and accepted meaning. Id.

¶8 Under WIS. STAT. § 895.481(2), a person participating in horseback
riding or other equine activities is immune from civil liability “if a[nother] person
participating in [an] equine activity is injured or killed as the result of an inherent
risk of equine activities.”3 Brittany does not argue that § 895.481(2) does not cover
Lynn’s alleged negligence. Instead, she focuses on subsection (3) of the statute,
which lists five circumstances in which the statutory immunity does not apply.
Brittany contends that two of those circumstances exist here, and thus the circuit

3
The phrase “[i]nherent risk of equine activities” is defined in WIS. STAT.
§ 895.481(1)(e)1.-2. to include, as relevant here, (1) “[t]he propensity of an equine to behave in a
way that may result in injury or death to a person on or near it”; and (2) “[t]he unpredictability of
an equine’s reaction to a sound, movement or unfamiliar object, person or animal.”

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court erred in concluding that Lynn was immune from liability. We address each in
turn.

¶9 Brittany first invokes the exception in WIS. STAT. § 895.481(3)(a),
which forecloses immunity if the person seeking it “[p]rovides equipment or tack
that he or she knew or should have known was faulty and the faulty equipment or
tack causes the injury or death.” In her principal brief, Brittany argued that the
circuit court should have denied Lynn’s motion because material issues of fact exist
related to the mounting block and tack supplied by Lynn. Brittany abandoned this
argument in her reply brief, however, and thus we need not address it further.

¶10 Brittany instead focuses on the exception in WIS. STAT.
§ 895.481(3)(b), which withdraws immunity if the person seeking it “[p]rovides an
equine to a person and fails to make a reasonable effort to determine the ability of
the person to engage safely in an equine activity or to safely manage the particular
equine provided based on the person’s representations of his or her ability.”
Brittany argues that the phrase “based on the person’s representations of his or her
ability” at the end of the exception requires the person seeking immunity to, in her
words, “make a present day inquiry of the rider as to their current level of experience
and competence when it comes to riding a horse.” She contends that the exception
“clearly anticipates a colloquy of questions and responses as to current abilities to
ride.” Because there are no facts showing that Lynn made a present-day inquiry,
and relied instead on her pre-existing knowledge of Brittany’s horseback riding
experience, Brittany contends the exception in § 895.481(3)(b) defeats Lynn’s claim
of immunity.

¶11 We disagree with Brittany’s interpretation of this exception. The
phrase “based on the person’s representations of his or her ability” at the end of WIS.

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STAT. § 895.481(3)(b) requires only that the person to whom the equine is given
make “representations of his or her ability.” No language in the exception requires
the provider to obtain those representations at or immediately before the time the
equine is provided. Put another way, the exception does not preclude a provider
who is already aware of a rider’s ability from relying on that previously acquired
knowledge in “mak[ing] a reasonable effort to determine the ability of the person to
engage safely in an equine activity or to safely manage the particular equine
provided based on the person’s representations of his or her ability.” See WIS. STAT.
§ 895.481(3)(b).

¶12 Nor does the exception specify that the representations of the rider’s
ability must be made orally. Both this court and our supreme court have recognized,
in other contexts, that representations can be made through acts or conduct. See,
e.g., John Doe 1 v. Archdiocese of Milwaukee, 2007 WI 95, ¶¶42-44, 303 Wis. 2d
34, 734 N.W.2d 827 (“We have held that acts can be the equivalent of a
representation.”); Scandrett v. Greenhouse, 244 Wis. 108, 113, 11 N.W.2d 510
(1943) (fraudulent representations “may be made by the acts or conduct of the
party”); Novell v. Migliaccio, 2010 WI App 67, ¶¶10-11, 325 Wis. 2d 230, 783
N.W.2d 897. Brittany provides no reason why we should not apply this common
understanding in construing WIS. STAT. § 895.481(3)(b). Had the legislature
intended to require a conversation between rider and provider about the rider’s
ability, it could have required that the rider make “statements” or “oral” or “verbal”
representations about his or her ability. It did not, however, and we decline
Brittany’s invitation to construe the statute to require them.

¶13 Here, the summary judgment record contained uncontradicted
evidence that Brittany was an experienced and capable horseback rider. Brittany
herself testified to her extensive involvement in horseback riding. She considered

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herself an experienced rider, participated in show jumping and barrel racing
competitions, and worked at multiple horse farms. She also worked as a summer
camp counselor, teaching others about horses and horse-riding equipment. Through
her years-long participation in these activities, Brittany represented herself to be a
skilled and capable horseback rider.

¶14 In addition to this detailed history, it was undisputed that Lynn was
aware of Brittany’s experience and ability before she offered to let Brittany ride her
horse. Brittany testified that Lynn “knew that … I’ve been an avid horseback rider
my entire life.” Unlike a situation in which a provider of a horse meets a rider for
the first time when the horse is provided, Lynn had known Brittany for years and
was specifically familiar with her extensive horseback riding experience.

¶15 Given these undisputed facts, no reasonable jury could conclude that
Lynn “fail[ed] to make a reasonable effort to determine” Brittany’s ability to ride
Lynn’s horse or to safely manage the horse by relying on her pre-existing knowledge
of Brittany as an experienced and capable rider. We thus agree with the circuit court
that the exception in WIS. STAT. § 895.481(3)(b) does not apply and that Lynn is
immune from liability under § 895.481(2).

¶16 In her reply brief, Brittany suggests that the lack of a
contemporaneous inquiry left Lynn unaware that Brittany developed vertigo since
she last rode a horse, had a history of recent falls even when not riding horses, and
had not ridden a horse in several years. However, Brittany cites no record evidence
to establish these facts, as she was required to do. See WIS. STAT.
RULE 809.19(1)(e); see Guse v. City of New Berlin, 2012 WI App 24, ¶18 n.7, 339
Wis. 2d 399, 810 N.W.2d 838. We have no obligation to search the record for
evidence to support them. Roy v. St. Lukes Med. Ctr., 2007 WI App 218, ¶10 n.1,

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305 Wis. 2d 658, 741 N.W.2d 256. Thus, these assertions do not furnish a basis for
relief.

By the Court.—Order affirmed.

This opinion will not be published. See WIS. STAT.
RULE 809.23(1)(b)5.

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