The husband dies 'of natural causes'.
The family, which includes his spouse and two grown children, mourns, and after a reasonable time, reaches an emotional balance, a healthy stability.
The widow, in her late 50s, living away from her children, has continually loved the outdoors, is a horsewoman in a modest way -- not a competitor, but a knowledgeable rider. Not long after her husband's death, she re-engages with that vocation.
In a routine outing with friends, working the horses off-trail a bit, they negotiate a gully. They're aware of scrub growth, stray logs, the rockiness of the terrain.
Somehow the jennet mare she's on slips, and the widow rolls off its side, forward. The fall disturbs the closeness of their line and riles-up the coltishness of the horse just in front, who kicks his hooves smack into her chest, stopping her heart instantly.
Does it matter that this is a 'true story'?