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I can't speak for horses. I've only once in my life encountered people on horses while on a bike. It's an exceedingly unusual scenario.
I can tell you that, as a matter of fact (not anecdote), drivers and cyclists break the law at roughly the same rate. But that in crashes between cars and bikes, the car is the responsible party in 80% of cases. And that studies have established that when cyclists break the law, it is overwhelmingly done in the interest of their own safety, while drivers break the law in the interest of perceived convenience.
I only realised after writing the above that that you mentioned "trails". Sounds like you're talking about mountain biking. I can't speak to that, I'm almost exclusively a roadie, using the bike either as a means of transport or for exercise/training on the road. Saying "you" doesn't really work here. The amount of overlap between mountain bikers and road bikers is surprisingly small.