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Injuries sustained while fleeing an out-of-control vehicle constitute an 'accident' under the Schedule.
The applicant was injured when he slipped on ice while exiting his vehicle to escape an out-of-control salt truck sliding towards him.
The insurer denied statutory accident benefits, arguing the incident did not meet the definition of an 'accident' under section 2(1) of the Schedule.
The arbitrator found that exiting a vehicle is an ordinary use of an automobile and that the impact of the salt truck directly caused the applicant's impairment.
The arbitrator concluded that the applicant was involved in an 'accident' and is entitled to claim benefits.
