The appellant was injured when the lower arm of a boom attached to a commercial vehicle failed while he was trimming trees.
The insurer denied statutory accident benefits, arguing the vehicle was being used as a tree-trimming device, not an automobile.
The Director's Delegate allowed the appeal, finding that the attached boom and bucket were integrated into the use of the vehicle.
Because the insurer did not use an OPCF-30 endorsement to exclude coverage for attached machinery, the injury arose from the use or operation of an automobile, meeting the definition of an 'accident' under the Schedule.
