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Click here for the full text of this decision FACTS:An insured, Jeff Sturrock, was injured when his foot became entangled with his truck’s raised door facing while he was exiting the vehicle. The court decides whether his injury resulted from a “motor vehicle accident” for purposes of personal injury protection coverage under his Texas standard automobile insurance policy. HOLDING:Affirmed. The court holds that a “motor vehicle accident” occurs when 1. one or more vehicles are involved with another vehicle, an object, or a person; 2. the vehicle is being used, including exit or entry, as a motor vehicle; and 3. a causal connection exists between the vehicle’s use and the injury producing event. Here, Sturrock was injured when his left foot became entangled with his car’s door facing while he was exiting the vehicle. The court concludes that Sturrock’s injury resulted from a “motor vehicle accident” within the policy’s terms, and affirm the court of appeals’ judgment. Neither party contends that the term “motor vehicle accident” is ambiguous, although each asserts a different interpretation. The court has held that the term “auto accident” is not ambiguous. The court construes the term “motor vehicle accident” as a matter of law. In Mid-Century Insurance Co. of Texas v. Lindsey, 997 S.W.2d 153 (Tex. 1999), Lindsey, a passenger in his mother’s car, was shot by a gun that accidentally discharged from an adjacent truck when a boy attempted to enter the cab through the rear window. The court stated: “Assuming that �auto accident’ is a more restrictive term in the policy than �accident’, and that a fair construction of the policy as a whole requires that the restriction be implied in the uninsured/underinsured motorist provision where it does not appear, we do not agree that the term excludes the occurrence here. . . . Nothing in [ Griffin or Peck] suggests that an “auto accident” requires a collision. . . .” The court agreed with the trial court and the court of appeals that Lindsey’s injury was caused by an “auto accident” under the policy. The definition refers to accidents where one or more vehicles are involved with another vehicle, an object, or a person. That Sturrock was injured by his own vehicle does not itself preclude coverage under his policy’s PIP provisions. The court agrees with the Texas Department of Insurance that Texas Farm Bureau’s cramped interpretation of Farmers Tex. County Mut. Ins. Co. v. Griffin, 955 S.W.2d 81 (Tex. 1997) and Lindsey would severely limit an insured’s no-fault coverage in a manner that would contravene its purpose and lead to absurd results. Under Texas Farm Bureau’s formulation, a passenger who fell from Sturrock’s truck in the same way would be covered, but Sturrock himself would not. Sturrock would be covered if he had fallen out of his car onto another person, but not if he had fallen directly onto the ground. He would be covered if a tire dislodged from another vehicle and hit his car, but not if his own tire blew out and caused his vehicle to roll over. Sturrock would be covered if he were run over by a vehicle with a faulty parking brake, but not if his own vehicle ran over him because of the same defect. Neither the policy’s language nor its context indicates a construction that would deny no-fault benefits to insureds who suffer injuries caused by their own covered vehicles. The court does not say that any accident involving another vehicle, an object, or a person constitutes a “motor vehicle accident.” While a collision or near collision is not required, the vehicle must be more than the mere situs of the accident or injury-producing event. Rather, “the automobile must, in some manner, be involved in the accident.” State Farm Mut. Ins. Co. v. Peck, 900 S.W.2d 910 (Tex. App. — Amarillo 1995, no writ). OPINION:: O’Neill, J.; Phillips, C.J., Jefferson, Schneider and Smith, JJ., join. Owen, J., filed a dissenting opinion, in which Hecht, Wainwright and Brister, JJ., join.

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