Death and Resurrection
Life is commonly difficult, especially for those who choose a life of hardship and adventurous excitement. The cycle of life is never ending and continues its birth, life, death cycle for everyone. With divine aid and assistance, however, at times it can extend this cycle greatly, even halting it for a time. Death is different among nearly all game settings. Please read this with the understanding that it may not fit your particular game setting and style, but is an alternative.
Rain slowly builds, thunder and lightning continue to roll in. Road muddies, horse/wagon getting stuck in the mud. Thunder strikes coinciding with a deep hole a horse just walked in, horse panics, breaks its leg (maybe just sprain?). Horse is decompacitated and the rain just went from pouring to an all out monsoon. Shelter needs to be found, horse needs to be taken care of, covered in mud, add the posibility of items being lost to the confusion with the wind and dealing with spooked animals.