M.B. v. Travellers Insurance Company (17-006174)

The claimant was injured while driving an off-road vehicle (a dirt bike) at a closed course competition. The insurer denied that an “accident” had occurred because the off-road vehicle was not an “automobile.” Adjudicator Kowal agreed with the insurer and held that because the dirt bike was exempt from the requirement to be insured under section 2 of the Off-Road Vehicles Act, it was not considered an “automobile.”