The appellant was attacked by a gang while driving his van and was shot, resulting in severe injuries.
He applied for no-fault benefits under his automobile insurance policy, which covered injuries caused by an accident arising out of the ownership, use, or operation of a vehicle.
The insurer denied the claim, and the lower courts upheld the denial, finding the van was merely the situs of the attack.
The Supreme Court of Canada allowed the appeal, establishing a two-part test of purpose and causal link.
The Court found that the shooting was not random but resulted from an attempt to gain entry to the van, thus satisfying the causal connection requirement.
