Gray v. Intact Insurance (21-008634)

This is a preliminary issue decision. The claimant applied for accident benefits following an incident in August 2019. The applicant was in her home when a vehicle struck a house a few doors down. A large natural gas explosion occurred at the impacted house. The claimant alleged she sustained psychological impairments as a result of the incident. The insurer denied the claim on the basis that the claimant was not involved in an accident as defined by the SABS. Adjudicator Kaur held that the jurisprudence has established that a person who sees or hears an accident is not a person who is involved in an accident. Adjudicator Kaur found that the claimant was not involved in an accident and dismissed the application.