The applicant sought statutory accident benefits after being struck in the head by a piece of fruit thrown by an 11-year-old boy from a passing school bus while she was stopped at a red light.
The insurer denied the claim on the basis that the incident was not an 'accident' under the Schedule.
The arbitrator applied the two-part test from Greenhalgh and found that while the applicant met the purpose test, she failed the causation test.
The arbitrator concluded that the dominant feature of the incident was the thrown fruit, constituting an assault, and the use or operation of the motor vehicle was merely the location of the incident.
The application was dismissed.