In this chapter, the narrative highlights the profound moral character of Jerry Barker, a London cab driver whose kindness transcends the transactional nature of his work. The story opens with a poignant encounter: a "poor young woman" struggling with a "sick" and "heavy child" seeks directions to St. Thomas Hospital. Recognizing the danger of navigating the London crowds, Jerry insists on driving her, despite her protest that she only has enough money for the return trip. Jerry’s response—"I’ve got a wife and dear children at home. Now you get into that cab. I’ll take you there for free"—serves as a testament to his empathy. Even when two aggressive officials attempt to commandeer the cab, Jerry stands his ground, firmly declaring, "This cab is engaged, sirs, by that lady," prioritizing the vulnerable woman over potential profit.
Jerry’s reputation for goodness is further evidenced by a chance meeting with a former mistress of his wife, Polly. Upon encountering her near the hospital, the lady remarks, "you are just the friend I want," illustrating that Jerry’s reliability is well-known. Their conversation reveals the hardships of his profession; the lady expresses concern over the physical toll of his work, noting, "it is awful to risk your health in this work." Jerry admits to struggling with a "bad cough" during the previous winter, yet he remains devoted to his labor, stating, "I wouldn't know what to do if I didn't have a horse to look after." This interaction highlights the mutual respect between Jerry and those he serves, as well as his dedication to his family, exemplified when the lady entrusts him with money for his children.
Tragedy strikes when a "very drunk" carriage driver causes a violent collision. The narrator describes the scene with horror, noting how the horses were "whipped all the while" before crashing into them. While Jerry escapes with only bruises, his loyal horse, Captain, suffers severe injuries. Despite the family’s efforts to make him "feel comfortable," Captain’s advanced age makes recovery impossible. Jerry’s decision to end Captain’s suffering is presented as an act of mercy: "Jerry decided that the kindest thing to do to Captain would be to put him out of his pain." The loss of Captain is felt deeply by the entire family, underscoring the emotional bond between the cabman and his horses.
Following the loss of Captain, Jerry seeks a successor. He finds a young, spirited horse named Hotspur, who had previously been mishandled. The previous coachman notes that the horse’s "wild" behavior was likely caused by a "bearing rein," which "made the horse mad." Recognizing that the horse possesses no "meanness," Jerry adopts him. Through patience and the use of an "easy bit," Jerry successfully gains the horse's trust. Initially, Hotspur struggles with the transition from a carriage horse to a "cab horse," feeling that he was "being looked down upon." However, the consistent kindness Jerry shows allows Hotspur to settle in, proving that under the right care, even a "wild" horse can become "as gentle as a lamb."