The applicant was injured when he crashed a motocross bike at a training and racing facility during an open practice day.
He applied for statutory accident benefits, which the respondent insurer denied on the basis that the incident was not an 'accident' under s. 3(1) of the Schedule because the motocross bike was not an 'automobile'.
The Tribunal found that the motocross bike was exempt from the requirement to be insured under the Off-Road Vehicles Act because it was being driven at a 'closed course competition'.
The Tribunal interpreted 'competition' broadly to include practice runs in preparation for a race.
Consequently, the motocross bike was not an automobile, the incident was not an accident, and the application for benefits was dismissed.
