The applicants, two young boys, were injured when an unhitched trailer rolled down a driveway and crushed one of them against a utility pole.
They applied for statutory accident benefits from the insurer of their parents' vehicles.
The insurer denied the claim, arguing the incident was not an 'accident' under section 2(1) of the Statutory Accident Benefits Schedule.
The arbitrator found that the trailer was being used in connection with the pickup truck that towed it, satisfying the purpose test.
The arbitrator also found that the use of the truck and trailer directly caused the injuries, as the trailer was not properly secured and rolled down the driveway immediately after being unhitched.
The arbitrator concluded the incident was an 'accident' and the applicants were entitled to benefits.