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Generally, most accident benefit claims start with the premise that there was an “accident” that involved an “automobile”. However, there are the exceptions which can lead to a perusal of a dictionary and a second or even third look at well-worn copy of the SABS. Two recent decisions from the LAT stand out as such: I.C. and Intact, 2017 CanLII 69443 and B.M. and Aviva, 2017 CanLII 69451.

http://ztgh.com/resources/blog/broad-definitions-of-automobile-and-accident-for-accident-benefits-claims-at-the-lat-by-maia-abbas