Ryan is racing, battling with his arch nemesis, Caleb. Georgia, the national under 16 Equestrian champion, is riding at a regional event. Ryan wins the races and Penny gets a call. Georgia and her parents have been in a car accident.
Georgia awakes from her coma and is confronted by the reality of her changed life. Arrangements are made for her future. They pack her medals and trophies from her old house, and travel north to Auckland.
Heather gets a letter from lawyers stating Georgia has inherited three million dollars from her parent's estate. At the Wilde's riding practice Georgia finds a raggedy old horse in a paddock.
Georgia visits with Grace at her farm. Grace's sister, Wendy, is a world champion motocross rider. Wendy rides some fast laps and Georgia is amazed and inspired. Grace teaches Georgia to ride a dirt bike.