The applicant sought statutory accident benefits following an alleged motor vehicle collision.
The insurer denied the claim, alleging the applicant misrepresented the occurrence of the collision.
At arbitration, the arbitrator found significant inconsistencies in the testimony of the applicant and his witnesses regarding the events leading up to the alleged collision.
Furthermore, the arbitrator preferred the evidence of the insurer's accident reconstruction expert, who examined the vehicles firsthand and concluded the physical damage was inconsistent with the reported collision.
The arbitrator concluded the applicant was not involved in an 'accident' as defined in the Schedule and dismissed the application.