This is the last thing you expect to encounter on the highway. Unless you learned to drive in Amish country, presumably.
How do you even explain the wreck to your significant other when you call them? “Honey, I am so sorry. I crashed the car, but it wasn’t my fault. That horse came out of nowhere!”
Unbelievable circumstances aside, the driver absolutely made the right call. When faced with the option of hitting a cart or the horse pulling it, you choose cart every time. It wasn’t the horse’s idea to turn around without looking for cars, he shouldn’t be punished for his owner’s mistake.