Four months on from the Harbour Nights stampede, the pain that victim Erin Wilson suffers every day is a constant reminder of her ordeal.

Ms Wilson had arrived on the Island from her Toronto home on April 24, and headed straight to the popular tourist event on Front Street. However, the evening descended into a nightmare for her when two runaway horses tore through a barrier and dragged their carriage into the crowd.

Ms Wilson, 25, found herself trapped under its wheels, having suffered a deep head wound that penetrated to her skull and left her covered in blood. She was assisted by off-duty nurse Irene Walbaum, who bandaged her after she was pulled free. She later received ten stitches at the hospital.

Speaking this week Ms Wilson, a youth worker, said the wound has healed well but she has since realised she was more badly hurt than originally thought.

"I have whiplash and I'm supposed to be going for physiotherapy but I'm not able to go because I don't have insurance and it costs $400 for ten sessions. It's just constant pain every day," she explained.

The accident has also left her with mental scars.

"I went to a concert in Toronto recently and the big crowd took me back to what happened in Bermuda. It was a very scary experience. I still talk about what happened all the time because I live with the pain, which the doctor says could be long-term," she said.

Of the Police report into the incident, which is yet to be completed, she said: "I would like to hear the outcome and I'd also like to hear what other people have done, whether they are experiencing the same things as me."