The applicant was injured when she fell from and was trampled by her horse after it was spooked by an oncoming ATV and became stuck in a muddy ditch.
The insurer denied accident benefits, arguing the incident was not an 'accident' under the Schedule because the mud or an 'assault' by the horse broke the chain of causation.
The arbitrator applied the Chisholm and Greenhalgh tests, finding that the ATV was the active, efficient cause that set the events in motion.
The arbitrator concluded the incident was an accident, as the horse's reaction and the muddy ditch were normal risks associated with the ATV passing on a narrow rural road.
