Tripping while chasing a rolling vehicle constitutes an accident under the Statutory Accident Benefits Schedule.
The applicant applied for statutory accident benefits after she was injured when her car rolled down a parking garage ramp.
She had stepped out of the car to use a key box, leaving the engine running.
When the car began to roll, she chased it and tripped, sustaining injuries.
The insurer denied benefits, arguing the incident was not an 'accident' under the Schedule.
The arbitrator found that the use and operation of the automobile directly caused the impairment, as the applicant's fall was part of an uninterrupted chain of events beginning with the use of the vehicle.
The preliminary issue was resolved in favour of the applicant.
OFSCDRSOntario Financial Services Commission - Dispute Resolution ServicesMay 13, 2002