The respondent's vehicle became stuck on a country road on a cold winter night.
She left the vehicle to seek help, became disoriented, fell into a river, and suffered severe frostbite requiring amputations.
She claimed statutory accident benefits.
The insurer denied the claim, arguing the injuries were not directly caused by the use or operation of an automobile.
The motions judge ruled in favour of the respondent.
On appeal, the Court of Appeal reversed the decision, holding that while the respondent met the purpose test, she failed the causation test because the use of the vehicle was not a direct cause of her injuries due to numerous intervening acts.