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Genie Boom Crane is an "Automobile": FSCO Arbitrator

Note: This decision was overturned on appeal. A new arbitration decision from the Financial Services Commission of Ontario (FSCO) has determined that a "Genie Boom Crane" is an "automobile" under the Statutory Accident Benefits Schedule. The decision, Joseph Beattie and Unifund Assurance Company [FSCO A13-005289], describes the Genie as, "a four-wheeled mobile crane, propelled by its own motor", which is used to elevate a worker to perform a maintenance function. In this particular case, the Applicant, Mr. Beattie, was operating the crane on a private parking lot.  The ground level collapsed into the level below, injuring him.  Mr. Beattie applied for accident benefits through his own insurance company, Unifund Assurance.  Unifund took the position that the crane was not an "automobile" at the time and place when the structure collapsed and was, therefore, not an "accident". The arbitrator found that, since the crane was a "vehicle propelled or driven otherwise than by muscular power" and did not meet the specific exclusions under the section of the Highway Traffic Act, it was a vehicle.  Since it was used off-road, it did not require compulsory insurance, thereby not making it subject to the provisions of the Insurance Act. The entire decision can be read by clicking on the link below. Beattie and Unifund - Genie Boom - Accident

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