austlii:nsw/NSWPICMP/2026/15
General information, not legal advice.
NSWPICMP
2026-01-15
Original judgment source is linked above.
Allianz Australia Insurance Limited v Merhi [2026] NSWPICMP 15
MOTOR ACCIDENTS - Motor Accident Injuries Act 2017; assessment of whole person impairment (WPI) at 24%; insurer's application for review under ; claimant injured when car driven deliberately at him while standing on a footpath; injuries alleged to spine, both shoulders, right thumb, and both knees; claimant re-examined by one Medical Assessor (MA); Review Panel satisfied claimant could have and did sustain injuries to the alleged body parts; clinical findings led to assessment of 0% WPI for three regions of spine; range of motion model not to be adopted for shoulders and knees due to inconsistency; shoulders assessed by reference to analogous condition; left knee attracted 2% WPI on basis of undisplaced fracture; no assessable impairment for right knee; total WPI 7%; certificate of MA revoked.
Issued under Division 7.5 of the Motor Accident Injuries Act 2017
A statement setting out the Panel's reasons for the assessment is included with this certificate.
(a) cervical spine - musculoligamentous injury to the cervical spine;
(b) thoracic spine - soft tissue injury to the thoracolumbar spine;
(c) lumbar spine - soft tissue injury to the lumbosacral spine;
(d) left shoulder - soft tissue injury to the left shoulder causing rupture of the acromioclavicular joint capsule and rupture of the coracoclavicular ligaments;
(e) right shoulder - soft tissue injury;
(f) right thumb - fracture of the base of the metacarpal of the right thumb causing disruption of the right thumb;
(g) left knee - nondisplaced fracture of the tibial plateau and medial meniscal tear, and
(h) right knee - impacted fracture of the head of the fibula.
(a) lumbar spine DRE II = 5%;
(b) left shoulder 8%;
(c) right shoulder 6%;
(d) left knee 4%, and
(e) right knee 4%.
(a) Dr Tang (the treating doctor's) opinions that the claimant was fit to work and did not need further physical treatment [1.13];
(b) Dr Malhotra's reports that the claimant was "pain focused";
(c) Medical Assessor Leaver's assessment of no restriction in the right shoulder;
(d) Dr Yeoh, shoulder surgeon who had found on examination that the claimant's right shoulder was normal, and
(e) Medical Assessor Rapaport's finding that there was no injury to the spine and referral for MRI did not relate to the accident.
(a) noted no contemporaneous claim of symptoms in the spine;
(b) Medical Assessor Rapaport found no evidence of a lumbar spine injury;
(c) Dr Al-Kawaja found no radiculopathy;
(d) there was a vague reference to pain in the right shoulder but a normal MRI scan in February 2023;
(e) the claimant has wholly or largely recovered from the left shoulder, right thumb and knee injuries, and
(f) pain is not to be taken into account.
(a) spine - there is no contemporaneous complaint of injury to the spine; Medical Assessor Rapaport found no injury to the spine; Radiological scans of the spine were normal; Dr Kahn's opinion should not be accepted, and there was no injury and no impairment.
(b) right shoulder - there is no evidence that the claimant sustained injury to the right shoulder; A February 2023 scan was normal; Dr Yeoh found it was normal, and Medical Assessor Leaver found no injury or restriction of the right shoulder, and
(c) thumb and knees - the claimant's range of motion has "increased" since Dr Khan examined the claimant in February 2024.
(a) he had no previous motor accident or workers compensation claims and he was otherwise participating in employment and enjoying life [5 and [6];
(b) he recounts the circumstances of the accident at [7] and [8] and suggests at [9] he "briefly lost consciousness" and only came to when Ambulance and Police arrived [9];
(c) he was unable to walk and was placed on a spine board [10];
(d) the driver did not stop or render assistance [11];
(e) the claimant lists at [12] his 10 injuries including a head injury with laceration and short-term memory loss and "psychological sequelae";
(f) he documents his treatment at [14] - [19] and his employment and business venture at [20] - [21];
(g) he says before the accident he worked out at a private gym three to four times and week, and also attended a public gym and he would go on walks and swim;
(h) he says he used to help his parents with their finances and domestic chores, and
(i) the claimant documents how his life has changed and in particular his psychological symptoms.
(a) 17 January 2023 - the "discharge summary reviewed" and it was noted there was "very little information." The speed of the vehicle was said to be 50 kms pr hour. The plan was for a proper assessment. A letter from Dr Tang was sent to the emergency department of RPAH dated 17 January 2023 requesting a full trauma assessment;
(b) 23 January 2023 - the claimant had attended hand surgery and was complaining mainly of shoulder and chest discomfort with a slightly bruised right knee but no bruises on the left knee (it was aching). MRIs of both knees were recommended along with a left shoulder ultrasound;
(c) there is a certificate of fitness dated 24 January 2023 which suggests the date of the next attendance. It does not provide a diagnosis of any injury but notes the claimant had 20 drinks before the accident;
(d) 7 February 2023 - the next attendance notes the claimant had identified the driver and insurer, but he had not yet seen a physiotherapist and had ongoing right and left shoulder pain, ongoing chest pain, right and left knee pain and "experiencing back pain and neck". On this occasion a letter was written to Ms Michael seeking cognitive assessment and further requests for radiology were given, Panadeine Forte and Voltaren were prescribed.;
(e) 15 February 2023 the next attendance notes a claim number had been provided and the claimant had booked in for the MRI scans of his knees. He complained of chest pains and wanted an MRI of his chest;
(f) 1 March 2023 - MRI scans had been done, and the claimant was having ongoing pain and had no capacity to work;
(g) 13 October 2023 - Greenlight had referred the claimant to another doctor and his lawyer had recommended he see another doctor, but the claimant had returned to see Dr Tang. He also reported seeing a psychologist and pain medication specialist and was having ongoing issues with this right hand, right knee and was concerned about weight gain and memory concerns;
(h) 23 October 2023 - the claimant was said to be "finalising old work from last year, finishing off what he is able to do, last site visit was only 2 hours, he was supervising, unable to physically do much." The claimant was said to be using a friends' medicinal cannabis but was getting brain fog do did not want to get used to it. A referral to a psychologist and for nerve studies were given, and
(i) 14 November 2023 - the claimant complained of whole-body pain including his shoulders, back, knee and neck pain when he coughs. Palexia was prescribed.
11 August 2023[13] Dr Teoh reported little progress and that the cortisone injection had not improved the claimant's position. His opinion was the claimant had a "non-surgical knee problem" and referred him to a sports physician. 5. Mr Calacoci, exercise physiologist wrote to Dr Coates on 18 July 2023. He notes poor compliance at the beginning "due to multiple cancellations and no shows." He says the claimant had made slight improvements but required further services. Mr Calacoci provided a final report to Dr Coates on 25 September 2023 after Mr Merhi completed 11 sessions. Mr Calacoci said there was again limited compliance with the program and gave the example that one day he turned up to the claimant's unit to find he had gone overseas without notice. 6. On 31 July 2023, Dr Mir wrote to Dr Coates with respect to managing the claimant's chronic pain. The claimant reported pain all over his body with dysesthesia and paraesthesia in his right hand after the surgery to remove the surgical wires. The claimant was taking pain killers "and uses cannabis to manage the pain." Dr Mir considered the claimant had symptoms of posttraumatic stress disorder. He recommended various scans, medication and referral to a psychiatrist. 7. An MRI of the claimant's cervical spine was performed on 23 August 2023 at the request of Dr Mir with a history given of "pai with radiation to bilateral upper limbs." There were mild disc bulges identified at C3-4 and C4-5. 8. Dr Mir wrote again to Dr Coates on 27 September 2023. He noted the report of the cervical spine MRI and referred the claimant to a neurosurgeon for further assessment. The results of the right-hand MRI raised the possibility of carpal tunnel syndrome and a referral for nerve conduction studies and neurological review was made. The bone scan results suggested a fractured right knee and an x-ray was recommended. In terms of the bilateral shoulder pain a nerve block was recommended. On 4 November 2023 Dr Mir wrote to Dr Coates advising that the claimant's pain was getting worse and Palexia was prescribed. 9. Dr Kassim, pain physician reported to Dr Coates on 27 November 2023. He has a report from the claimant that his main issue is neck pain, shoulder and thumb pain. The claimant reported "brain fog" from his brain injury with sleep issues and psychological symptoms. 10. Dr Kassim has a history of the claimant living alone with support from his parents and that he had returned to driving. The claimant was seeing a psychologist, was reluctant to trial antidepressants and was taking Palexia for pain and cannabis to help him sleep. 11. Dr Kassim diagnosed a "mild post traumatic concussion" and noted pain behaviours. He recommended the claimant see a psychologist for stress and anxiety management and that Mr Merhi be reviewed by a physiotherapist for balance and shoulder exercises. The claimant refused services at the pain clinic, preferring home visits from a local physiotherapist. He was advised to seek assistance from the traumatic brain injury clinic at Westmead. 12. Dr Al Khawaja, neurosurgeon wrote to Dr Mir on 5 February 2024 in respect of the claimant's neck and lower back pain. The claimant reported left shoulder and knee pain as well. Dr Al Khawaja says the claimant "does not have significant radiculopathy", had seen a pain clinic and was taking strong pain killers. On examination, neck movements were restricted and there was a positive Trendelenburg test on both sides, but sensation and reflexes were normal. Dr Al Khawaja reviewed the cervical MRI and the lumbar CT scan and advised injections at C3/4 and C4/5 and requested a thoracic and lumbar MRI scan. 13. The thoracic and lumbar spine MRI was performed on 13 February 2024 revealing lumbar spondylosis with disc desiccation and bulge at the L4/5 level with contact on the descending L5 nerve roots. There was also multilevel mild moderate facet joint arthropathy. 14. Dr Mir wrote to Allianz on 28 February 2024. He notes the claimant failed to attend for the nerve blocks. When asked about whether the claimant should have further exercise physiology or physiotherapy in the light of his alleged poor compliance (with attendances on Mr Calacoci) Dr Mir wrote "he has poor treatment compliance with our clinic as well." 15. Dr Mir, wrote to Dr Coates on 21 April 2024[14] at which review the claimant was complaining of neck pain radiating to the head, pain in both shoulders and referred pain in both limbs. The claimant also reported pain in both knees and right-sided hand pain. Nerve blocks were discussed and medication reviewed. 16. On 24 May 2024 Dr Kassim reported the claimant complained of persistent pain with no improvement. He reported ceasing physiotherapy because the insurer declined his therapy. He reported symptoms of brain fog, confusion, tiredness, balance problems and forgetfulness. He had seen a psychologist but not a psychiatrist or the brain injury team at Westmead. Dr Mir recommended referral to Dr Manambrakkat, psychiatrist. 17. On 30 June 2024 Dr Mir reported[15] that nerve blocks were done and had significantly improved pain and function in the left shoulder and medical branch blocks and occipital nerve blocks were recommended. Advice was also given about injections into the knees.
10 kgs since the accident. 2. Dr Khan has a history that the claimant has not returned to work and that his mother and sister are providing him with domestic assistance. The claimant says he can only drive for short distances, cannot do housework and he does not go to the gym. 3. The claimant gave a history of a left shoulder operation 20 years before, an operation on his right fourth and fifth fingers when he punched a wall 15 years before but no previous motor accidents or workers compensation injuries. 4. The claimant's neck was examined and there is no dysmetria documented. There were no neurological deficits. Range of motion was reduced in both the right and left shoulders and there was a 10 degree lag in full flexion of the met phalangeal joint. 5. Lumbar and thoracic spine movement was restricted but there were no neurological signs. 6. Dr Khan diagnosed all of the claimant's alleged injuries (subsequently referred for assessment) and also said the claimant had developed chronic pain. 7. His impairment calculations were a combined total of 15% made up of:
(a) cervical and thoracic spine - 0%;
(b) lumbar spine - 5% (due to dysmetria);
(c) right upper limb - 5% UEI for the shoulder plus 2% UEI for the right thumb = 7% UEI which is 4% WPI;
(d) left shoulder - 4%;
(e) right knee - 0%, and
(f) left knee - 2%.
"It is known that when a significant traumatic spinal column injury occurs, the pain associated with that injury is at its worse in the immediate weeks or several months following injury and there is a tendency for gradual improvement of that pain as time progresses and spontaneous healing occurs.
In the case of the subject claimant, the opposite seems to have occurred. There was some early pain mentioned only sometimes following injury and not found worthy of radiological investigation and then a crescendo effect where the further away from the traumatic event, the worse the pain seemed to be manifest. The explanation for that phenomenon that is counterintuitive to causation from a traumatic injury is that any pain that worsens more than one year following pedestrian motor trauma is most likely caused by underlying chronic degenerative disease."
RE-EXAMINATION FINDINGS - MEDICAL ASSESSOR GORMAN
(a) Palexia 150 mg twice daily slow release;
(b) Palexia 50 mg immediate release one to two per day;
(c) Nurofen on occasions;
(d) Duloxetine 60mg daily;
(e) Quetiapine 25mg daily, and
(f) Minipress 5mg nocte.
(a) flexion and extension were reduced by one quarter;
(b) lateral rotation was reduced by one quarter on both sides, and
(c) lateral flexion was reduced to three quarter range of motion on both sides.
(a) flexion and extension were normal, and
(b) rotation, both left and right were normal.
(a) flexion and extension were both reduced to three quarters of normal, and
(b) lateral flexion on both sides was reduced by one quarter.
(a) on the left from 0 to 90 degrees, and
(b) on the right 0 to 110 degrees.
(a) MRI bilateral shoulder, Medscan Imaging dated 21 February 2023, reported by Dr Ankur Srivastava. In the left shoulder there was a high-grade partial thickness rupture of the superior AC joint capsule and low-grade partial thickness rupture of the inferior AC joint capsule. Grade 2 marrow contusion in the lateral distal clavicle without discrete fracture. Grade 2 sprain of the coracoclavicular ligaments. Overall findings are in keeping with a Rockwood type 3 AC joint injury. Mild supraspinatus tendinosis with low grade intrasubstance tear in the posterior tendon. In the right shoulder there was mild subacromial subdeltoid bursitis. No rotator cuff tendon tear could be seen;
(b) MRI bilateral knees, Medscan Imaging dated 21 February 2023, reported by Dr Ankur Srivastava. In the left knee it was reported there was a small micro-trabecular fracture and low-grade marrow oedema anterolateral aspect of the tibial plateau. Horizontal oblique undersurface tear of the posterior body and posterior horn of the medial meniscus. Partial discord lateral meniscus without a discrete tear. No cruciate ligament injury. In the right knee it was noted there was a small impacted nondisplaced fracture of the fibular head. Grade 1 marrow contusion in the lateral tibiofemoral compartment and medial femoral condyle. No loose osteochondral defect. No meniscal or cruciate ligament injury.
(c) The whole-body bone scan with SPECT dated 23 August 2023 was reported by Dr Tew as showing a possible fracture in the right fibular head / neck. X-rays were recommended. Moderate activity in the right wrist and right fourth metacarpal base ? reactive ? infection. MRI was requested. Mild T1, T2 facet arthrosis. Bilateral sacroiliac joint mechanical changes.
(a) could the accident have caused or contributed to the claimant's injuries and impairment, and
(b) did the accident in fact cause or contribute to the claimant's injuries and impairment.
(a) cervical spine (mentioned to ambulance);
(b) thoracic spine (while not mentioned in ambulance records radiology was performed of the thoracic spine at hospital suggesting complaints must have been made);
(c) lumbar spine (mentioned to ambulance);
(d) left shoulder (complained of in ambulance, hospital and GP records);
(e) right shoulder (referred to in first certificate of fitness);
(f) right thumb (no dispute - fractured);
(g) left knee (relatively early radiology and in claim form), and
(h) right knee (mentioned in ambulance and hospital).
What is the diagnosis of the injuries caused by the accident?
(a) cervical spine - soft tissue injury to the cervical spine, likely recovered due to the absence of a "hot spot" on the bone scan taken seven months after the accident;
(b) thoracic spine - soft tissue injury to the thoracolumbar spin, likely recovered due to absence of any current complaints;
(c) lumbar spine - soft tissue injury to the lumbosacral spine likely recovered due to the absence of a "hot spot" on the bone scan of August 2023;
(d) left shoulder - soft tissue injury to the left shoulder causing rupture of the acromioclavicular joint capsule and rupture of ligaments;
(e) right shoulder - soft tissue injury but no joint involvement;
(f) right thumb - fracture of the base of the metacarpal of the right thumb;
(g) left knee - undisplaced fracture of the tibial plateau and medial meniscal tear as diagnosed by the treating surgeon Dr Yeoh, and
(h) right knee - impacted fracture of the head of the fibula as diagnosed by the treating surgeon Dr Yeoh.
(a) cervical;
(b) thoracic, and
(c) lumbar.
(d) pain with guarding, or
(e) non-uniform range of motion (dysmetria), or
(f) non-verifiable radicular complaints defined in table 6.8 as:
(i) symptoms (shooting pain, burning sensation, tingling), which
(ii) follow the distribution of a specific nerve root, but where
(iii) there are no objective clinical findings such as loss or diminished sensation, loss or diminished power or loss or diminished reflexes
(a) loss or asymmetry of reflexes;
(b) positive sciatic nerve root tension signs;
(c) muscle atrophy and/or decreased limb circumference;
(d) muscle weakness that is anatomically localised to an appropriate spinal nerve root distribution, and
(e) reproducible sensory loss that is anatomically localised to an appropriate spinal nerve root distribution.
(a) amputation (part 3.1b);
(b) sensory loss of the digits (part 3.1c);
(c) abnormal range of motion (part 3.1d);
(d) peripheral nerve disorders (part 3.1k);
(e) vascular disorders (part 3.1l), and
(f) other disorders (part 3.1m).
(a) flexion and extension;
(b) abduction and adduction, and
(c) internal and external rotation
(a) a goniometer should be used where clinically indicated;
(b) passive range of motion may form part of the clinical examination to ascertain clinical status of the joint, but impairment should only be calculated using active range of motion measurements;
(c) if the Medical Assessor is not satisfied that the results of a measurement are reliable, active range of motion should be measured with at least three consistent repetitions;
(d) if there is inconsistency in range of motion, then it should not be used as a valid parameter of impairment evaluation (see clause 6.40 of these Guidelines), and
(e) if range of motion measurements at examination cannot be used as a valid parameter of impairment evaluation, the Medical Assessor should then use discretion in considering what weight to give other available evidence to determine if an impairment is present.
April 2023. It is the Medical Assessors' views that the worsening range of motion is likely due to the claimant's inactivity, deconditioning and possibly his depressive state. While the extent of the restricted range of motion is not directly resulting from the frank injuries sustained, the consequences of the injuries to his shoulders have led to the inactive and deconditioned state. Therefore, it is the Panel's view that the injuries have had a more than negligible contribution to the development of the impairment.
(a) limb length discrepancy (3.2a);
(b) gait derangement (3.2b);
(c) muscle atrophy (3.2c);
(d) manual muscle-testing (3.2d);
(e) range of motion (3.3e);
(f) joint ankylosis (3.2f);
(g) arthritis (3.2g);
(h) amputations (3.2h);
(i) diagnosis-based estimates (3.2i);
(j) skin loss (3.2j);
(k) peripheral nerve injuries (3.2.k);
(l) causalgia and reflex sympathetic dystrophy (3.2l), and
(m) vascular disorder (3.2m).
(a) Cervical spine - DRE I = 0%;
(b) Thoracic spine - no assessable impairment;
(c) Lumbar spine - DRE I = 0%;
(d) Left shoulder - 3% (by analogy);
(e) Right shoulder - 2% (by analogy);
(f) Right thumb - 0%;
(g) Right knee - no assessable impairment, and
(h) Left knee - DRE 2%.
Attachment A: Shoulder range of motion comparison
[1] The current maximum as of October 2025 is $691,000.
[4] Section 7.21. The current version of the Guidelines is Version 10.1.
[5] The numbers in square brackets are a reference to the section number in the Medical Assessor's reasons.
[6] The numbers in square brackets are a reference to the paragraph number in the submissions.
[8] Normal is 15. The GCS is a neurological tool that indicates a person's level of consciousness,
Allianz Australia Insurance Limited
Merhi [2026] NSWPICMP 15;