Pedestrian struck by parking garage arm triggered by a car was involved in an 'accident'.
The applicant was struck on the head by a parking garage control arm while walking into the garage behind a car.
He applied for statutory accident benefits, but the insurer denied the claim, arguing the incident was not an 'accident' under section 2(1) of the Schedule.
The arbitrator found that the car entering the garage triggered the arm to lift and lower, satisfying both the purpose and causation tests.
The arbitrator concluded that the use or operation of the car directly caused the injury, and therefore the applicant was injured in an 'accident'.
Sheldon Kasman v. Security National Insurance Co./ Monnex Insurance Mgmt. Inc., 2014 ONFSCDRS 160