Are reporters always to blame?

The case of Madonna’s fall from a horse is surrounded in rumours that the Queen of Pop herself invented the story that a photographer emerging from behind a hedgerow frightened the horse causing the singer to fall.
The first photographer appeared to have arrived on the scene 10 minutes after the incident and from police reports no journalist or reporter was present in the area.
Often when one falls from a horse it is common to tell a tale to hide one’s own mistakes, so the question remains: did Madonna make it all up to hide her shame?