The applicants were injured in a propane explosion inside a homemade camper affixed to a pick-up truck.
The insurer denied statutory accident benefits, arguing the incident was not an 'accident' under the Schedule.
The arbitrator found that camping and cooking with a propane stove inside a truck/camper are ordinary and well-known activities to which such vehicles are put.
The arbitrator concluded that the injuries were directly caused by the use or operation of the vehicle, and therefore the applicants were injured in an 'accident' as defined in the Schedule.
