Factors to be taken into consideration in assessing a Rider ’s or other Person’s  degree of Fault  include, for example, the Rider ’s or other Person’s  experience, wh ether the Rider  or other Person  is a Protected Person , special considerations such as impairment, the degree of risk that should have been perceived by the Rider  and the level of care and investigation exercised by the Rider  in relation to what should have  been the perceived level of risk.