A horse and buggy is still a vehicle.
My wife and I went down to Lancaster last year for a long weekend. While we were there we witnessed (pun intended) a horse and buggy blow through a red light. According the the B&B owners accidents between car and buggy are a common occurrence.
A horse buggy is a vehicle, but NOT a MOTOR vehicle and therefore does not require insurance to operate on public roadways. The Amish pay land and income tax from which the maintenance of the roadways is funded, and have every right to use them. It is true, sadly, that from time to time they are involved in “accidents” with motorists; but when this happens, they must pay with cash for any damages caused or incurred by them because they do not believe in insurance. In my opinion, driving too fast, driving drunk, or driving recklessly is not an “accident”. Perhaps there would be fewer “accidents” if everyone was responsible for paying the damages themselves, and not by insurance companies at the expense of good drivers. Insurance is not only a socialist idea, but it is immoral. It is even more immoral, and unconstitutional, for the U.S. government to try to mandate insurance. Imposing a fine for not purchasing a service from a private company is the same as fining you if you do not buy a hamburger from McDonalds every day or do not buy a new Cadillac once a year! Obamacare AND requiring motor vehicle insurance are unconstitutional!