Disposition
28I accept the claimant's argument that Miller v Galderisi does not give rise to any inflexible rule applicable in all circumstances where, up to the date of assessment, a family member or friend has provided the necessary care voluntarily. I accept Mr. Sexton's argument that the present case falls into the category discussed by Basten JA in Kerr at 314[44] - [46] which I will set out in full:
[44] The complaint raised by the applicant is not concerned with the hours allowed, but with the assumption that, for the future, gratuitous care would not be available and commercial assistance would be required.
[45] Before the primary judge, the applicant submitted that the reasoning in Miller v Galderisi [2009] NSWCA 353 required the assessor to be satisfied that domestic assistance would, on the balance of probabilities, be obtained on a commercial basis in the future and not make an award "because there is a remote, though not entirely fanciful, chance of the need for commercial domestic assistance in the future": at [24]. No such finding was made, nor was the issue addressed by the assessor.
[46] As the respondent correctly pointed out, the principle derived from Miller must be seen in its factual context. In that case the claim for commercial assistance was allowed at trial in circumstances where the claimant was obtaining assistance from her spouse and members of her family. It is possible to envisage circumstances in which family members (through age or departure from the family home) may no longer be able or available to provide such assistance. That would provide a sound basis for an award of compensation for commercial assistance, if those circumstances were properly established, but they were not established in Miller. In the present case, no such presumption of continuity arose: the main provider of gratuitous assistance, Mr Hillard, was a long-term friend, but not a family member. There was no relevant legal error affecting this aspect of the assessment.
29Given the explanation obviously accepted by the claims assessor at page 9 [72], this case was a case where it was open to the claims assessor to make an allowance for domestic care on a commercial basis. There was no presumption of continuity in the present case; the evidence accepted by the claims assessor explained that the support previously provided by the claimant's elder daughter was unlikely to be available beyond the relatively short term. Given that the statement was made in September 2011, expressing the claimant's expectation that her elder daughter's help would not be available within the following year or so, it was open to the claims assessor to run the allowance for future commercial care from the date of her decision in March 2013. To the extent to which Malec was engaged by the uncertainties and imponderables inherent in the hypothetical question under consideration, the limitation of the calculation by the claims assessor for a period of 20 years for a female claimant aged 39 years and 5 months at the date of the assessment sufficiently accommodated it.
30The obligation of the claims assessor to give reasons must be determined by the language of s.94(5) itself, rather than by the requirements of clause 18.4 of the guidelines, for the reasons explained by Basten JA in Kerr at 315 [52] - 316 [53]. If clause 18.4 purports to impose any greater obligation than s.94(5), as Basten JA pointed out, "there might be an issue as to [its] validity".
31Likewise for the reasons given by Basten JA at 316 [53], it ought to be accepted that the obligation imposed by s.94(5) is more limited than the obligation falling on a judge deciding the same question. The legal standard is the "minimum acceptable level" to constitute a proper discharge of the statutory obligation: cf Resource Pacific Pty Ltd v Wilkinson [2013] NSWCA 33 at [48] per Basten JA, Beazley JA (as her Honour then was) and Macfarlan JA agreeing.
32After reviewing relevant authorities such as Minister for Immigration and Multicultural Affairs v Yusuf [2001] HCA 30; 206 CLR 323 at [5] - [9], and Re Minister for Immigration and Multicultural and Indigenous Affairs, Ex parte Palme [2003] HCA 56; 216 CLR 212 at [40], Basten JA explained the obligation of the assessor in the following terms (at 317 [59] and 318 [61]):
[59] While is it sometimes, but not always, true that lengthy reasons will give greater assistance and understanding than brief reasons, the obligation on the assessor was not to give lengthy reasons. The explanation provided was sufficient to warrant the award of a significant sum of money for future economic loss. The obligation imposed by statute did not require him to explain why some particular amount was chosen as opposed to another. Even in circumstances where this court has intervened on an appeal by way of rehearing, the amount chosen has been identified with little explanation as to how the figure was selected: see, eg, Werner v Krahe [2002] NSWCA 168 at [29] (Foster AJA, Hodgson JA agreeing); Sretenovic v Reed [2009] NSWCA 280 at [86] (McColl JA, Beazley JA agreeing); see also, in rejecting a challenge, Leichhardt Municipal Council at [34] and, in assessing a buffer, Ilic v O'Connor [2004] 2 DCLR (NSW) 249 at 264-265 (Patten DCJ).
[60] The applicant has not demonstrated error of law in this respect.
[61] With respect to the separate challenge based on inadequacy of reasons in awarding an amount for future domestic assistance, at commercial rates, a somewhat different analysis applies. Reasons are designed to dispose of issues before the Tribunal. Adapting the analysis of Gleeson CJ in respect of fact-finding in Yusuf , if the reasons do not refer to a particular matter the inference may readily be drawn, absent evidence to the contrary, that the issue had not been raised for determination. In Campbelltown City Council v Vegan [2006] NSWCA 284 ; 67 NSWLR 372 at [130], I suggested that because the record included the reasons of the tribunal, inadequacy will inevitably be an error of law on the face of the record. In other words, if the reasons have failed to deal with some matter which should have been dealt with, a different kind of error may be revealed. Just as the assessor was not required to give reasons for findings he did not make, so he was not required to give reasons for issues he did not determine.
33In the present case, it is clear on the face of the record by reference to the claims assessor's reasons, and also by reference to the additional material I have set out above on the assumption that an error of this type will be jurisdictional error, that an issue was raised about the likelihood of future assistance being provided on a commercial basis. The claims assessor's reasons identified the claim for commercial care and the terms on which it was sought, together with the insurer's challenge to that aspect of the claim and the basis of it. Whilst, as Mr Sexton submitted, the claims assessor's reasons were succinct, she resolved the issue that she had identified in the passage at page 8 [66] - 9 [70] by the following three paragraphs, all of which I have set out above and will not repeat. In context no more was required.
34As I have said, there is a syntactical infelicity at page 9 [71]. Both parties accepted as much, but differed as to the true meaning to be ascribed. Viewed from the standpoint of the insurer, it may be that the claims assessor was accepting that the claimant did not dispute making the admission to Ms. MacMaster. Even accepting that, in my view the admission of itself could not have been determinative and the claims assessor was not bound to treat it as decisive. Her statement that the claimant's desire not to have an outsider come in to clean her house [is] "not the test" for determining the need for future care was undoubtedly correct. Whatever the claimant's state of mind at the time she saw Ms. MacMaster, the claims assessor was entitlted to find, as she did (for the reason expressed at page 9 [72]), that future care would be provided on a commercial basis.
35I accept that the claims assessor was bound to give serious consideration to the issue about future care on a commercial basis that had been raised for determination by the parties: Lafu v Minister for Immigration & Citizenship at [47]. In my judgment, for the same reasons I have already given, she complied with this obligation.
36The insurer has failed to make good its claim for an order in the nature of certiorari. I might add for completeness that no discretionary ground was raised in opposition to the relief sought had jurisdictional error or error of law on the face of the record been demonstrated.
37My orders are:
(1)Proceedings dismissed;
(2)The plaintiff to pay the first defendant's costs of and incidental to the proceedings forthwith after they have been agreed or assessed.