In Gandalf's conversion with Frodo in the next chapter, he says that "the Riders were dismayed", when seeing an Elf-lord in his rage, so that must mean that an Elf-lord like Glorfindel can scare them. So, although it was the horses who bore them into the water, they were already so terrified, I think they would have rode into the river anyway, also because the Ring-bearer was on the other side.
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Two beer or not two beer, that is the question; by Shakesbeer
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