If somebody hits me with their car, no matter what I'm doing, if it's their fault, ICBC is going to cover me (if they are insured). I need a better example. What else can happen while I'm gardening?
In a park? Lets go with 'stabbed by an HIV or Hep infected Junkies needle'
Slip on wet grass, break or sprain arm, wrist or hip.
Accidentally struck by another volly using a pick, shovel or similar
Heart attack
cakes..