The respondent farmer was injured when his uninsured all-terrain vehicle (ATV) was struck from behind by a truck on a public road.
He sued the truck driver, the truck owner, and his own insurer for damages and statutory accident benefits.
The motion judge found the ATV was a 'self-propelled implement of husbandry' exempt from compulsory insurance.
The Court of Appeal reversed, holding that the ATV was an off-road vehicle that required insurance when operated on a public road.
Consequently, the respondent's action was statute-barred and his claim for statutory accident benefits was foreclosed.
