AAMI Ltd v Ali

The first decision 27On or about 20 July 2011, AAMI lodged a document entitled "Application for Review of a Medical Assessment by the Medical Assessment Service" (MAS Form 5A). AAMI sought the referral of Dr Fitzsimons' assessment to a review panel of medical assessors pursuant to s 63 of the MAC Act. Its submission complained that Dr Fitzsimons' report was said to have been based substantially on Mr Ali's "subjective complaints" which AAMI contended were not credible. 28On 2 August 2011 Dr Lewin provided a further certificate following the referral back to him of so much of the dispute as concerned psychiatric issues pursuant to s 62(1)(a) of the MAC Act ("Dr Lewin's second report"). Dr Lewin accepted that Mr Ali was suffering from post-traumatic stress disorder, but concluded that it was not caused by the motor accident. Instead he concluded that it arose as a result of his military service, subjection to torture, prolonged imprisonment, and separation from his family prior to arriving in Australia. 29Dr Lewin's second report prompted AAMI's solicitors to provide further submissions to the proper officer on 7 September 2011. The submissions drew the proper officer's attention to Dr Lewin's second report. The submissions set out passages from Dr Lewin's report in which Dr Lewin referred to the inconsistencies in Mr Ali's history and stated that "any formal assessment of impairment which relies upon [Mr Ali's account] is meaningless". The submission included the following: "The insurer has sought a review of Assessor [Fitzsimons'] determination dated 1 June 2011, on the basis that a number of inconsistencies and concerns were noted by Assessor Fitzsimons during the course of her assessment of the claimant, however proceeded to assess the claimant's level of whole person impairment on the basis of his subjective complaints. ... Noting the findings of Assessor Lewin, the insurer submits his determination provides further support for its contention that an assessment of whole person impairment in relation to the claimant's alleged brain injury cannot be undertaken on the basis of the claimant's subjective complaints given the inconsistencies noted in his provision of histories and the records provided, and accordingly the application for review should be accepted." (emphasis added) 30On 8 September 2011 an MAA officer advised AAMI that their submission had been received and that: "The Proper Officer will consider the issues raised in your correspondence at the time of their determination." 31On 25 October 2011, the proper officer declined AAMI's application under s 63(1) of the MAC Act. The proper officer's reasons are just over three pages in length. The reasons summarise AAMI's submission concerning Assessor Fitzsimons' report that "notwithstanding a number of inconsistencies on examination and in the documentation provided, the Assessor proceeded to assess the claimant's level of whole person impairment on the basis of his subjective complaints", and that the "claimant's subjective complaints cannot be believed and cannot be utilised for the purposes of an assessment of a whole person impairment". 32Under the heading "Reasons for Decision" the proper officer referred to parts of Assessor Fitzsimons' report and then continued: "13. It is evident that the Assessor [Dr Fitzsimons] was then confronted with two competing positions. Namely, the unreliability of the cognitive test results versus the very severe head injury sustained in the accident. 14. The Assessor, after examining the claimant and reviewing all the available evidence chose to find the latter position, namely that the claimant sustained a head injury and thereby satisfying the criteria in clause 5.9. Her reasons are clearly stated in paragraph 3, page 15. 15. The Assessor then applied Clinical Dementia Rating (CDR) and found a CDR of 1.0 which falls within the 15-29% WPI category. I note that the applicant does not take any specific issue with how the Assessor rated each of the CDR categories namely Memory, Orientation and the like. Rather, the applicant says the claimant should be assessed at the lower range because the claimant's subjective reports cannot be accepted. 16. I am not persuaded by the applicant's submissions. This is not a case where it is alleged that the Assessor has failed to consider relevant information or incorrectly applied certain requirements in the guidelines. This is a case where the Assessor has documented in her report careful consideration of all relevant issues, including the insurer's position regarding the alleged inconsistencies contained in the medical reports. However it is evident that the Assessor has provided reasons as to why she was satisfied that there was a head injury which warranted an assessment under the CDR scale. 17. I have also noted the applicant's disagreement with the quantum of the assessment, namely 15% WPI. ... Conclusion 18. The result being, as to this review application, I am not satisfied that there is reasonable cause to suspect that the medical assessment was incorrect in a material respect. 19. The review application is dismissed. 20. In considering this application, I have taken into account the following:  The 5A application and 5R reply forms and supporting documentation;  The certificate including the reasons issued by Assessor Fitzsimons, the application for assessment, the response and all the document provided prior to her assessment;  Section 63(3) and section 133(2) of the Act; and  The Motor Accidents Authority Permanent Impairment Guidelines - Guidelines for the assessment of permanent impairment of a person injured as a result of a motor vehicle accident 1 October 2007 (the 'MAA Guidelines'), the Medical Assessment Guidelines 1 October 2008, and the American Medical Association Guides to the Evaluation of Permanent Impairment, 4th edition, 3rd printing (the 'AMA Guides')." (emphasis added)

First Decision - grounds of review 33AAMI makes two complaints of the relevant form of error on the part of the proper officer. 34First, AAMI contends that the proper officer erred in law in that in paragraph 16 of his reasons he stated that he was not "persuaded" by AAMI's submissions. It was said that this involved the application of an incorrect legal test in that s 63(3) only requires the proper officer to be satisfied that there is "reasonable cause to suspect that the medical assessment was incorrect in a material respect", etc. It is submitted that to implicitly state that he had to be "persuaded", the proper officer imposed an unwarranted gloss on the test posed by s 63(3). 35There is no substance in this complaint. On any fair reading of the proper officer's reasons the reference to their being "persuaded" in [16] is a reference to being persuaded that the criteria in s 63(3) was established. Section 63(3) requires the proper officer to be "satisfied" that there was "reasonable cause to suspect". There is no relevant difference in this context between being "persuaded" and being "satisfied". In paragraph [18] of his reasons, the proper officer answered the precise question raised by s 63(3). In paragraph [4] of his reasons, the proper officer set out the correct test posed by s 63. In my view there is no basis for suggesting that between those two paragraphs the proper officer somehow deviated from the correct test (see Minister for Immigration and Ethnic Affairs v Wu Shan Liang (1996) 185 CLR 259). 36Second, AAMI complains that, although it furnished to the proper officer a copy of Assessor Lewin's medical assessment which was highly relevant to its application, the proper officer failed to have regard to it in applying the test in s 63(3). During argument, the formulation of the error was expanded to include either a failure to accord natural justice or a constructive failure to exercise jurisdiction on the part of the proper officer, in that AAMI submits that the proper officer did not truly address the basis for its application under s 63(1), especially its reliance on Dr Lewin's second report. 37To address this, it is necessary to further consider Dr Fitzsimons' report. Dr Fitzsimons was provided with a substantial amount of material, including that which had been provided by AAMI's solicitors in support of their further application for medical assessment lodged in August 2010. She referred to this material in some detail. Dr Lewin also described Mr Ali as a "poor historian". 38Under the heading "Conclusions" Dr Fitzsimons referred to Mr Ali as having sustained "a severe head injury with extradural haematoma and temporal bone fractures". She noted that the presence of the extradural haematoma and the duration of the post-traumatic amnesia as reported by Mr Ali are "not an accurate predictor of ultimate prognosis", but also noted that the "absence of a radiological scan evidence of residual brain parenchymal damage does not necessarily mean that there have been no long term consequences of such trauma". In relation to his back Dr Fitzsimons stated that it was "open to question as to whether or not [Mr Ali] did sustain a lumbar spine injury" and noted that with his right shoulder he suffered a fractured clavicle. 39Under the heading "Determination", Dr Fitzsimons stated: "For the reasons canvassed in the insurer's submissions, which were accompanied by three psychological/psychiatric assess-ments indicating that cognitive test results could in no way be considered reliable, and given the earlier functionality reported from the hospital outpatient etc reports recorded in the documentation, I do not consider the psychological tests reported have a reliability in relation to cognitive dysfunction. Similarly, it is simply not possible to sort out how much of his depression/post-traumatic stress disorder [which is best assessed by a psychiatrist] is pre-existing, in relation to his torture and undoubtedly severe emotional traumas in Iraq and subsequently during his boat ride to Australia. On the other hand, it is also undoubtedly true that he sustained a very severe head injury with multiple fractures and an extradural haematoma, with what was diagnosed as damage to the right 7th and 8th cranial nerves [subject to separate assessment]. Such situations of uncertainty mean that a best estimation of WPI must be made on the balance of probability, taking all factors into account. Given the severity of the head injury, I consider it plausible, and indeed probable, albeit for the reasons indicated above, by no means certain, that some degree of cognitive impairment and/or emotional/behavioural disturbance [other than that which might be attributed to 'psychiatric' and/or pre-existing factors] would exist, consequent upon the injury. I consider such impairment likely to be small (on probability); this is principally because of the lack of any or marked changes evident on later brain imaging, and because of the early recovery reported while he was in hospital and/or shortly thereafter." Under such circumstances, the CDR scale is also difficult to apply. Prima facie the calculation would be as follows: [Dr Fitzsimons then set out various scores Mr Ali received as memory, orientation, judgment and problem solving, community affairs, home and hobbies and personal care.] ... This results in a CDR of 1.0 [15-29% WPI]. It would be reasonable to assess as 15% WPI within this range, especially as I am not convinced that all of the above scores necessarily reflect brain damage - although they might reflect depression whether or not due to the accident. I considered whether or not to decrease this assessment in the light of para 1.42 MAA Guidelines, but concluded that, in the presence of the uncertainties in this case, 15% WPI was a reasonable reflection of impairment which might result from an extradural haematoma with fractures. I did not consider that 'emotion/behavioural consequences due to brain damage would, on probability, exceed this figure. ... WPI due to brain injuries is therefore 15%. ..." 40There was significant debate before me as to the proper interpretation of these reasons. AAMI contended that they disclose that Dr Fitzsimons relied on Mr Ali's recitation of his history and subjective complaints. I disagree. Dr Fitzsimons accepted that there was a likelihood that there were pre-existing psychiatric impairments. Dr Fitzsimons was very much aware of the difficulties involved in assessing Mr Ali's level of whole person impairment based upon either the history given by Mr Ali, or any cognitive testing relying upon Mr Ali's responses to various questions. Thus, Dr Fitzsimons determined Mr Ali's level of impairment by starting with the objective evidence of the nature of Mr Ali's injuries, and then used her clinical experience to infer what types and degree of impairment were likely to have resulted from that level of injury. This resulted in her concluding that his level of whole person impairment was in the range 15% to 29%. Dr Fitzsimons adopted a figure at the bottom of that range to allow for uncertainties due to the possibility of pre-existing conditions ("reflect depression whether or not due to the accident"). Thus, contrary to AAMI's submissions, Dr Fitzsimons' reasoning did not involve any reliance on Mr Ali's history or his "subjective complaints". 41The proper officer construed Dr Fitzsimons' report in the same manner. Thus in [13] of his reasons, the proper officer noted that Dr Fitzsimons was aware of the unreliability of the cognitive tests and in [16] to [18] the proper officer noted the "insurer's position regarding the alleged inconsistencies contained in the medical reports". Yet, according to the proper officer, "it is evident that the Assessor has provided reasons as to why she was satisfied that there was a head injury that warranted an assessment under the CDR scale". In so stating, the proper officer was referring to the reasons of Dr Fitzsimons that I have extracted above. As I have described, those reasons did not involve any reliance upon Mr Ali's inconsistent history, subjective complaints or any cognitive testing that relied on his responses. Thus the proper officer was not satisfied that there was reasonable cause to suspect that Dr Fitzsimons' medical assessment was incorrect in a material respect by reason of the unreliability of Mr Ali as a historian. This was because Mr Ali's recitation of that history and his subjective complaints did not play any part in the chain of reasoning that led to Dr Fitzsimons determining his level of impairment arising from the accident. 42This also had the consequence that there was no relevant inconsistency between Dr Lewin's second report and that of Dr Fitzsimons. Both accepted that any assessment based upon Mr Ali's account of his symptoms and functioning prior to the accident was, in the words of Dr Lewin, "meaningless". In the case of the former this meant that there was no proper basis to attribute to any impairment to any psychiatric condition arising out of the accident. However, in the case of the latter, there was such a basis, namely the objective evidence of the head injuries he suffered and Dr Fitzsimons' assessment of the usual level of impairment that resulted from injuries of that kind. 43Senior Counsel for AAMI, Mr Robinson SC, placed particular emphasis on the contrast between the psychiatric impairment rating scores given to Mr Ali by Dr Lewin compared with the clinical dementia rating ("CDR") scores given by Dr Fitzsimons. Each of these involved the relevant assessor attributing a number representing the level of impairment to a particular area of functioning as part of the process of determining the level of whole person impairment. There was some area of overlap between the areas of impairment. For example the CDR scale required the attribution of a score for "personal care" whereas the psychiatric impairment scale had a score for "self care and personal hygiene". Mr Robinson SC pointed to what he asserted were inconsistencies between their various assessments and submitted that Dr Fitzsimons must have relied on Mr Ali's description of his own functioning to undertake that assessment. I do not accept that there is any relevant inconsistency. Dr Fitzsimons determined the CDR ratings in the manner I have described above, ie by using her clinical judgment to infer the likely level of functional impairment based upon the injuries Mr Ali undoubtedly suffered. Dr Fitzsimons did not rely upon his account and recognised that that meant the scale was difficult to apply ("under such circumstances the CDR scale is also difficult to apply"). 44In light of this analysis, I will consider the remaining complaints of error made by AAMI concerning the first decision. 45As I have said, AAMI complains that the proper officer did not take into account Dr Lewin's report. It points to the absence of any express reference to it in the proper officer's reasons. 46For reasons I will explain, I am not persuaded that the proper officer failed to take into account Dr Lewin's second report. However, at the outset it should be noted that there is nothing in the statutory scheme which imposed any obligation on the proper officer to consider the entirety of the evidentiary material placed before them when addressing a request under s 63(3) of the MAC Act. The authorities do not impose any such obligation either (see Allianz Australia Insurance Ltd v Cervantes [2012] NSWCA 244 at [22] per Basten JA, McColl and Macfarlan JJA agreeing). Instead, for this alleged form of error to give rise to invalidity it must be demonstrated that the alleged act of overlooking the relevant material flowed from some legal misconception about the function being exercised by the tribunal or administrative decision maker. Thus, in Minister for Immigration and Multicultural Affairs v Yusuf [2001] HCA 30; 206 CLR 323 at 351, McHugh, Gummow and Hayne JJ stated at [82]: "It is necessary, however, to understand what is meant by "jurisdictional error" under the general law and the consequences that follow from a decision-maker making such an error. As was said in Craig v South Australia, if an administrative tribunal (like the Tribunal) 'falls into an error of law which causes it to identify a wrong issue, to ask itself a wrong question, to ignore relevant material, to rely on irrelevant material or, at least in some circumstances, to make an erroneous finding or to reach a mistaken conclusion, and the tribunal's exercise or purported exercise of power is thereby affected, it exceeds its authority or powers. Such an error of law is jurisdictional error which will invalidate any order or decision of the tribunal which reflects it.' 'Jurisdictional error' can thus be seen to embrace a number of different kinds of error, the list of which, in the passage cited from Craig, is not exhaustive. Those different kinds of error may well overlap. The circumstances of a particular case may permit more than one characterisation of the error identified, for example, as the decision-maker both asking the wrong question and ignoring relevant material. What is important, however, is that identifying a wrong issue, asking a wrong question, ignoring relevant material or relying on irrelevant material in a way that affects the exercise of power is to make an error of law. Further, doing so results in the decision-maker exceeding the authority or powers given by the relevant statute. In other words, if an error of those types is made, the decision-maker did not have authority to make the decision that was made; he or she did not have jurisdiction to make it. Nothing in the Act suggests that the Tribunal is given authority to authoritatively determine questions of law or to make a decision otherwise than in accordance with the law." (emphasis added) 47The italicised portions of this passage emphasise that the task is not one of simply identifying evidentiary material that was relevant to the decision maker's task and then ascertaining whether it was referred to it in their reasons. It involves a process of determining whether or not it was considered and, if not, why it was not considered. The second inquiry is necessary because before jurisdictional error can be established it must be shown that there was, in the words of Craig, an "error of law" which caused the body to ignore the relevant material or, in the words of Yusuf, that the ignoring of relevant material happened "in a way that affects the exercise of the power". An example of this is to be found in Owen v Motor Accidents Authority (NSW) [2012] NSWSC 650, at [50] where Campbell J inferred from the failure of a review panel to consider certain material that it applied too narrow a test of causation. 48There is considerable overlap between this form of error and a breach of natural justice or a constructive failure to exercise jurisdiction. This is so because aspects of those grounds can import a limited "obligation" to consider at least some of the evidentiary material placed before a decision maker (Cervantes at [19] to [22], per Basten JA). Thus, in Dranichnikov v Minister for Immigration and Multicultural Affairs [2003] HCA 26; 77 ALJR 1088, Gummow and Callinan JJ stated (at [24]) that "[t]o fail to respond to a substantial, clearly articulated argument relying upon established facts was at least to fail to accord Mr Dranichnikov natural justice." In Re Minister for Immigration and Multicultural Affairs; Ex parte Miah [2001] HCA 22; 206 CLR 57, Gaudron J at [81] stated that a failure in that case to address the substance of a person's claim for refugee status was "a clear case of constructive failure to exercise jurisdiction". Hence, and only by way of example, a failure to consider a critically relevant piece of evidence may have happened "in a way that affects the exercise of the power" (Yusuf) because it may reveal that an applicant's case was not addressed or was misunderstood. 49Section s 63(3) of the MAC Act focuses attention upon the "particulars set out in the application" for review. Those particulars were set out in the submissions accompanying the application, which I have summarised in [27], namely, Mr Ali's unreliability. The proper officer addressed those particulars. 50As I have noted, on 8 September 2011 a letter was written on behalf of the proper officer to AAMI acknowledging receipt of AAMI's letter of 7 September 2011 which referred to Dr Lewin's second report. The letter dated 8 September 2011 stated that the proper officer would consider the "issues raised" in AAMI's letter. What issues were raised? I have set out the relevant parts of the submissions in AAMI's letter in [29] above. The critical part of the letter is the assertion in the second paragraph by the solicitors for AAMI that: "[w]e consider the determination of Assessor Lewin provides further support for the contentions raised in our application for review of this matter" (emphasis added). The balance of the letter refers to how Dr Lewin was severely critical of Mr Ali as a historian and concluded that, in the light of his history, no proper medical assessment could be "undertaken on the basis of the claimant's subjective complaints". 51Thus, AAMI's solicitors only relied upon Dr Lewin's second report as reinforcing the difficulties in relying upon Mr Ali's "subjective complaints" or history to make such an assessment. The answer to that contention given by the proper officer was that Dr Fitzsimons did not rely upon Mr Ali's "subjective complaints" in making her assessment. In that context, and given that the obligation imposed upon the proper officer was only to give "brief reasons", I do not think that it can be inferred from the absence of any express reference to Dr Lewin's second report in the proper officer's three and a half page reasons that it was not taken into account. The letter of 8 September 2011 suggests it was brought to the proper officer's attention. The absence of any express reference to it is completely explicable by the fact that the proper officer construed Dr Fitzsimons as eschewing reliance on Mr Ali as a historian or his "subjective complaints". Thus he rejected the premise of AAMI's submission. This meant that Dr Lewin's second report was of little or no significance as the premise of AAMI's submissions that made it important had been rejected. 52This reasoning is sufficient to dispose of the other bases upon which AAMI sought to attack the first decision. The assessor did not fail to address the case that was put by AAMI in support of its application under s 63(3). AAMI's contention was that there was a reasonable cause to suspect that Dr Fitzsimons' medical assessment was incorrect in a material respect because it was reliant upon the "subjective complaints" of Mr Ali, and that he was a poor historian. Dr Lewin's report was relied on in aid of that contention. The answer to that submission given by the proper officer was that Dr Fitzsimons did not rely upon Mr Ali's "subjective complaints" but, instead, reasoned in the manner I have described above. For the same reason the complaint of a breach of natural justice is not made out. 53It follows that I reject AAMI's challenge to the first decision.

The second decision 54On 31 October 2011, AAMI lodged a MAS Form 4ABI seeking referral of the matter for further assessment under s 62(1)(a). AAMI nominated Dr Lewin's second report as the additional relevant information for the purposes of s 62(1)(a). A submission from AAMI in support of the application set out a detailed history of what was said to be the inconsistent histories and complaints made by Mr Ali. It was followed by a very detailed letter on 25 November 2011. The following passage from that letter reflects the tenor of the submission lodged with the application: "The insurer submits that the above provides further evidence that the subjective complaints of the claimant cannot be accepted as truthful, and accordingly any assessment relying upon the complainant's subjective complaints (as with Assessor [Fitzsimons'] assessment) cannot be considered to be accurate. 55On 27 January 2012, another proper officer rejected the application for a further referral of the assessment under s 62 of the MAC Act. Her reasons were set out in a two page letter which included the following: "... I am not satisfied that the deterioration of the injury and/or the additional relevant information about the injury is such as to be capable of having a material effect on the outcome of the previous assessment [i.e. by Dr Fitzsimons] as required by section 62(1A) of [the MAC Act]. I have therefore determined that the application shall not be referred for further assessment. The application relies on the MAS report of Assessor Lewin dated 2 August 2011 as being additional relevant information about the injury as it was not available to MAS Assessor Fitzsimons before completing her report dated 1 June 2011. It is noted that Dr Lewin had previously assessed the claimant as having a whole person impairment of 26% in relation to his psychiatric injury. The basis of the application is the history obtained by Assessor Lewin and the fact that this history may not corroborate the history and information contained in the additional relevant information attached to that application. The applicant feels that Assessor Fitzsimons, with the aid of that relevant information, should have come to the same conclusion as Assessor Lewin in that the history obtained by the applicant could not be trusted as it differs significantly from the history contained in other reports. ... The application and submissions attached are not enough to convince me that section 62(1A) is satisfied. The 'additional relevant information' is the MAS Psychiatric Assessment of Assessor Lewin, based on the same information and the report of Dr Fitzsimons. Dr Fitzsimons is very clear in her report that the impairment assessment attributed to the subject accident is based on the claimant's very severe head injury with multiple fractures and an extradural haematoma that some degree of cognitive impairment and/or emotional/behavioural disturbance would be attributed to the head injury, irrespective of ... those which might be attributed to the psychiatric injury." (emphasis added) 56AAMI submits that three relevant forms of error affect the second decision. 57First, AAMI submits that the proper officer imposed too high a test in so far as she stated that AAMI's application and submissions were not enough to "convince" her that s 62(1A) was satisfied. It was submitted that by expressing a need to be "convinced" the proper officer had set too high a standard. I do not regard this submission as having any more force than the similar argument I have rejected in relation to the first decision. No complaint was made about the expression of the statutory test by the proper officer in the first paragraph of the quote that I have extracted above in [55]. The word "convince" in this context is simply another means of expressing a need to reach some form of positive state of mind concerning the matters specified in s 62(1A). 58The second error on the part of the proper officer was that it was said that she failed to identify Dr Lewin's second report as "additional relevant material" within the meaning of s 62(1)(a) of the MAC Act. The essence of the proper officer's reasons was that Dr Lewin's second report was not capable of having a material effect on the outcome of the "previous assessment" (i.e. Dr Fitzsimons' report), because Dr Fitzsimons' report did not involve any reliance upon the history or "subjective complaints of Mr Ali". The proper officer did not determine whether or not Dr Lewin's report constituted "additional relevant information" but, on the assumption that it, did, nevertheless concluded that s 62(1A) was not satisfied. This approach did not involve error. 59Third, AAMI asserts that the proper officer "failed to determine that the additional relevant information was capable of having a material effect on the previous medical assessment" of Dr Fitzsimons. In substance, this amounted to a contention that the proper officer was wrong to conclude that Dr Fitzsimons' report did not depend upon or involve reliance upon Mr Ali's subjective complaints or history as relayed by him. In my view, this involves an attempt to seek merits review. Ultimately a question as to whether the relevant additional information is capable of having a "material effect on the outcome of the previous assessment" is a question of fact for the proper officer to consider. It follows from the discussion in [37]-[43] above, that I consider that the analysis by the proper officer of Dr Fitzsimons' assessment was not only reasonably open, it was correct. 60I reject AAMI's challenge to the second decision.

The third decision 61As noted above, Mr Ali's claim had been referred to the MAS for assessment under Pt 4.4 of the MAC Act on 13 July 2009. At some point, the third defendant (the CARS assessor) was appointed as the claims assessor for Mr Ali's claim. The assessment was adjourned to await the outcome of the various medical assessment applications. 62On 27 February 2012, AAMI's solicitors wrote to the CARS assessor advising of the rejection of their application for further assessment (i.e. the second decision). They stated that they were making an application to have him "remit the matter back to MAS for assessment pursuant to a s 62(1)(b) of the Motor Accidents Compensation Act 1999". They made various submissions in support of that contention. 63On 28 February 2012 a "preliminary conference" was held by the third defendant. It was attended by the legal representatives for AAMI and Mr Ali. Tendered in evidence was a document prepared by the CARS assessor following that conference which records, inter alia, what happened during that conference. Paragraph 1 of the note referred to the application made in the letter of 27 February 2012. The CARS assessor's note includes the following: "3. I referred the solicitor for the insurer [AAMI] to s 62(1) of the Act and I requested her to advise me upon what basis I should refer the matter back to MAS having regard to the fact I could only refer the matter on the grounds of the deterioration of the injury or additional relevant information about the injury. 4. The solicitor for the insurer in response, stated that she was not in a position to provide me with any additional relevant information about the injury. She advised me that her client was not prepared to accept the findings of [the proper officer who made the second decision] as set out in her letter dated 27 January 2012 and furthermore confirmed, as stated in her letter dated 27 February 2012, she had already received instructions from the client insurer to seek judicial review of the MAS Proper Officer's decision to reject their Application for Further Assessment. 5. The solicitor for the insurer further advised that an Application to the Supreme Court is presently being drafted and would be filed on or before 13 March 2012. 6. Accordingly, I advised the solicitor for the insurer that I refuse to make a referral back to MAS for assessment pursuant to s 62(1)(b) of the Act as, clearly, there is no additional relevant information about the injury which would cause me to consider making such a referral. (emphasis added) ..." 64The third decision complained of is the refusal of the CARS assessor to refer so much of the "matter" as involved Mr Ali's neurological injury and impairment arising from the accident for further assessment pursuant to s 62(1)(b) of the MAC Act. 65AAMI's short point is that the italicised portion of the above extract reveals a misconstruction of s 62(1)(b) by the CARS assessor. In particular, it submitted that the note records the claims assessor considering that he only had the power to refer the matter for further assessment "on the grounds of the deterioration of the injury or additional relevant information about the injury". It is submitted that is not a limitation upon his power under s 62(1)(b), but is instead only a limitation on the circumstances in which a party to a medical dispute could seek further assessment. This submission is clearly correct. The CARS assessor has clearly wrongly construed s 62(1) and imposed an added gloss on the statutory test which has no constraints other than the purpose and scope of the MAC Act (Trazivuk v Motor Accidents Authority of New South Wales [2010] NSWCA 287 at [77] per Giles JA, in dissent but not on this proposition). 66Leaving aside discretionary considerations an issue arises as to what relief, if any, is available in respect of this decision. If the CARS assessor had proceeded to make a final determination and made no reference to the reasons for his refusal to refer the matter for further assessment under s 62(1)(b) then I would be very doubtful as to whether any relief would be available. In that event no error of law would be apparent on the face of the record and I have significant doubts as to whether any such error would affect the CARS assessor's exercise of jurisdiction under s 94 of the MAC Act (see Minister for Immigration and Citizenship v SZGUR [2011] HCA 1; 241 CLR 594 at [74] to [78] per Gummow J). Further, any declaratory relief in respect of a decision under s 62(1)(b) would be likely to be refused as futile as it would have no consequences for the parties whose rights would be governed by a decision under s 94 (see Plaintiff M61/2010E v Commonwealth of Australia [2010] HCA 41; 243 CLR 319 at [101]). 67However no decision under s 94 has been made. Thus, any issue as to the utility of or jurisdiction to grant relief in respect of the decision under s 62(1)(b) is not affected by a later decision having been made in the statutory scheme for making a CARS assessment. While the note prepared by the assessor would probably not form part of the record in that it does not appear to record the "ultimate determination" (cf ss 69(3) of the Supreme Court Act), the CARS assessor did not have authority (i.e. jurisdiction) to refuse the exercise of that power on the basis stated in that note. In Trazivuk Giles JA found legal error on the part of a CARS assessor in refusing to require a further assessment under s 62(1)(b) and proposed the setting aside of the decision (at [72] to [81] and [96]). Young JA and Handley AJA disagreed with Giles JA concerning whether an error had been demonstrated but did not express any doubt that relief would have been available if error had been shown. 68In any event, ultimately AAMI only sought declaratory relief in respect of the third decision. At this point in the scheme of decision making there is no barrier to it being granted (Plaintiff M61 at [101] to [103]). Such a declaration may be of real assistance to AAMI if it requests the CARS assessor make a further assessment for the same or different reasons than it has done in the past. It will ensure that it does not have to meet a test imposed by the CARS assessor that has no basis in the statute. 69Senior Counsel for Mr Ali, Ms Norton SC, contended that, as a matter of discretion, no relief should be granted in relation to the third decision. She submitted that the note of the preliminary conference revealed that, after the CARS assessor expressed his view as to the operation of s 62(1)(b), AAMI's solicitor did not point out the error and seek a further exercise of the power. Without knowing more about exactly what occurred during the hearing, I am not satisfied that the CARS assessor's note reveals that AAMI acquiesced in the CARS assessor's misconstruction of s 62 (cf Re Refugee Review Tribunal; ex parte Aala [2000] HCA 57; 204 CLR 82 at [53] per Gaudron and Gummow JJ). 70I consider it is appropriate to grant relief in respect of this decision by the CARS assessor. I have referred above to s 95 of the MAC Act. It is not clear to me whether in this case AAMI accepts that it is liable for Mr Ali's claim. If it does, then it can become bound by the CARS assessment of the quantum of the claim if Mr Ali accepts that amount of damages within twenty-one days after a CARS assessor's certificate is issued. It is a condition of AAMI's licence that it comply with the section. It follows that an assessment of damages by a CARS assessor has a real potential to be binding upon AAMI and so affect its rights and expectations. This is a factor in favour of at least allowing AAMI to ensure that CARS assessments proceed in a manner where the assessor properly recognises the scope of the powers and discretions that are available to him or her.

Conclusion and costs 71I will grant AAMI declaratory relief in respect of the third decision but dismiss the balance of its summons. In relation to costs, the parties litigated three decisions. AAMI was unsuccessful in respect of two but was successful with the third. I will order AAMI pay one third of Mr Ali's costs of the proceedings. If either party seeks a variation of that order then they should apply with seven days of this judgment. 72Accordingly the Court makes the following orders: (1)Declare that, in refusing on 28 February 2012 to refer the first defendant's neurological injuries for further assessment under Part 3.4 of the Motor Accidents Compensation Act 1999, the third defendant erred in law in that he wrongly construed s 62(1)(b) thereof as only enabling such a referral on the grounds of a deterioration of those injuries or if there was available additional relevant information about the injuries; (2)The Plaintiff's summons be otherwise dismissed; (3)The Plaintiff pay one third of the First Defendant's costs of the proceedings; and (4)If either party wishes to apply to vary order (3) then any such application together with submissions in support, which are not to exceed three pages, are to be filed and served within seven days hereof.

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