The applicant's wife was murdered during an armed robbery while sleeping in their motor home.
The applicant sought funeral expenses and death benefits under the No-Fault Benefits Schedule.
The insurer denied the claim on the basis that the death was not an 'accident' as defined in the Schedule.
The arbitrator held that the incident did not involve the use or operation of an automobile, nor was it caused by such use or operation.
The vehicle was merely the location of the crime.
The application for benefits was dismissed.
