The applicant sought statutory accident benefits after slipping and falling on a snowbank while disembarking from a public transit bus.
The insurer denied benefits, arguing the injuries were not directly caused by the use or operation of the bus.
The arbitrator found the applicant's account credible and determined that disembarking was integral to the use of the bus.
The arbitrator concluded that the use or operation of the bus directly caused the injuries, satisfying the definition of an 'accident' under section 2(1) of the Statutory Accident Benefits Schedule.
