Unfortunately my colt named Tonalistic was injured in a stall accident. The accident occurred on a stormy night when he got spooked by the thunder and lightning. He chipped his right rear fetlock (roughly his ankle) and required surgery to remove the chip. The prognosis is good, but he will be out about 90 days.
Hibiscus did not inform me until well after the surgery was performed. They did send a nice copy of the medical report. I guess I would prefer an earlier notification, but what Hibiscus did was OK. I have not yet seen the bill.
Stall accidents are part of horse racing. When you read through any yearling catalog you see plenty of unraced mares. Often they were unraced because of stall accidents, and not a lack of racing ability.
One of my strongest handicapping angles has always been to play long shots the day after a stormy night. Horses do not like like thunder and lightning.