I am certainly no athlete, but I remember the exact pony I fell in love with as a kid, she was a white miniature at a Medieval Fair. I have experienced the tears and definitely the falling. Riding is such an awesome experience, but it does involve risk!
This happened to a horse from my last barn! The horse was sold to a nice woman with the nastiest trainer who would constantly abuse him at shows because he "wasn't performing well enough for her standards." They sold it to a younger girl and this horse had to most end-of-year points in the Prechild/Adult division! I loved them together :)