austlii:nsw/NSWPICMP/2025/358
General information, not legal advice.
NSWPICMP
2025-05-22
Original judgment source is linked above.
Beveridge v Insurance Australia Limited t/as NRMA Insurance [2025] NSWPICMP 358
MOTOR ACCIDENTS - Motor Accident Injuries Act 2017; review of Medical Assessment Certificate (MAC); permanent impairment dispute; claimant was driving a school bus when a car came from the right and hit the driver's side at speed; injury to lumbar spine; pre-existing history of a workplace fall with symptoms persisting; subsequent incident of left leg weakness causing a fall and injuring right shoulder; assessed by Medical Assessor as 11% whole person impairment (WPI); - Review Panel noted pre-existing back symptoms had substantially resolved by the time of the motor accident and claimant had returned to work; motor accident aggravated claimant's underlying lumbar spine degenerative disease; associated neurological symptoms in the left leg caused subsequent fall; consequential injury to right shoulder related to motor accident; Review Panel found impairment to lumbar spine 5% WPI and right shoulder 6% WPI; total WPI was 11%; MAC revoked.
The Review Panel revokes the certificate of Medical Assessor Alan Home dated 20 August 2024 and issues a new certificate as follows:
(a) the claimant's age of 60 years with cervical spondylosis identified on imaging;
(b) no record of neck injury following the motor vehicle accident, and
(c) no record of neck pain at the time of the previous medical assessment in
October 2022.
18 March 2024 which are briefly summarised as follows:
(a) the claimant made no reference to any cervical spine symptoms to his GP,
Dr Ahmed, in the three months post-accident, during which period 11 consultations had taken place;
(b) the first mention of neck pain in Dr Ahmed's records was on 13 July 2018 and was characterised as osteoarthritic;
(c) Dr Bentivoglio took a history of an unrelated neck injury some months after the subject motor accident and neck pain was said to have settled three to four days later, and
(d) the claimant's Certificates of Fitness make no mention of any neck injury.
"Fell at work, acute back pain [sic] for 1 week, happened on 22/2/18. Informed supervisor.
Back: L5/S1 area, tender, not hot, not swollen, not red, no laceration, no effusion, restriction present.
Rest, I discussed with the patient on the nature of the back pain. I advised this likely be muscular pain. Treatment is largely symptomatic and suggest pain relief and active rest, can do walking, but avoid bending, squatting and lifting anything heavy. And can use Voltaren gel for warm massage."
Dr Kumar took in March 2022 that the claimant injured his right shoulder in April 2021 was taken almost a full year after the motor accident and is not contemporaneous. 2. The insurer submits that the right shoulder rotator cuff tear was caused by a fall in April 2021, three years after the April 2018 motor accident, and is therefore not caused by the motor accident. 3. The insurer highlights the pre-existing, symptomatic lumbar spine degeneration and the claimant suffering two falls in the 12 months before the April 2018 motor accident. There was a workplace fall in [date] and a fall over an uneven footpath on [early 2018 date] which triggered the March 2018 CT scan. 4. In relation to the claimant's review submissions, the insurer says the claimant is incorrect in submitting that contralateral uninjured joint provisions in cl 6.51 of the Guidelines require the uninjured join (i.e. the left shoulder) to be assessed at the time of the assessment. Rather, the provision requires consideration at the time of the motor accident - see pre-existing impairment provisions in cl 6.31-6.33 of the Guidelines. 5. In addition, the insurer submits that there is no evidence of any left shoulder complaints before or after the motor accident. 6. In any event, it is submitted that no injury to the left shoulder was referred to the Commission for medical assessment. The Medical Assessor was not required to consider any injury to the left shoulder.
Dr Kumar who recommended surgery to right shoulder. 2. Statement of claimant dated 26 September 2022 - Used a "cobra stick" to help get out of bed. Before April 2021, claimant was using this with no problems. The fall on 1 April 2021 "stirred things up" in respect of his back and right shoulder. Pain in right shoulder was getting worse and worse in the few weeks after 1 April 2021, particularly when getting out of bed. By early 2022, shoulder condition was getting worse and needed something more than just physiotherapy. 3. Statement of claimant dated 14 February 2024 - Providing more information about his neck injury. Noticed pain in neck at time of motor accident of 11 April 2018. Pain was quite minor compared to his back and he "didn't really think too much of it..." He had a lot of treatment over the years to his back. His neck never came good after the accident. In mid 2018, recalls talking to his GP, physiotherapist and Hunter Rehab about problems with his neck. Had physiotherapy which continued and then had the fall in April 2021 [sic]. Dr Kumar performed surgery to repair the rotator cuff tear. Claimant still had problems with his neck including numbness and tingling going down his right arm into the fourth and fifth fingers. Believes his neck was injured in the motor accident initially but also aggravated by the fall in April 2021, that fall itself being caused by the injuries to the back in the motor accident.
8 June 2021. Post operatively, gradual return to left leg sciatic symptoms with paraesthesia and numbness radiating to foot. Assessed at DRE Lumbar Category III (10% WPI). Right shoulder consequential injury assessed at 7% WPI. 4. Dr Alan Hopcroft, general surgeon, report dated 12 July 2023 - Review examination. Noted intervention right shoulder arthroscopic rotator cuff repair on 18 October 2022. Injuries to cervical spine, lumbar spine and right shoulder have direct relationship to subject motor accident. Assessed at DRE Cervical Category II (5% WPI), DRE Lumbar Category III (10% WPI with one-tenth deducted for pre-existing changes), right shoulder 5% WPI. No pre-existing problems noted with function of cervical spine. 5. Dr John Bosanquet, orthopaedic surgeon, report dated 7 March 2023 - Noted a past history of low back pain and left leg giving way before the motor accident. Had a lumbar CT scan a month before the motor accident. Diagnosed aggravation of pre-existing degenerative changes lumbar spine particularly L4/5 and L5/S1. Also injury to right shoulder following fall which is not accident-related - claimant's left leg was giving way before the motor accident. Assessed at DRE Lumbar Category II (10% WPI) with the total amount deducted as imaging after the motor accident showed no significant change from previous imaging which revealed pre-existing changes. 6. Dr John Bosanquet, orthopaedic surgeon, supplementary report dated 27 July 2023 - Medical records documented low back pain 8 February 2010, disc degeneration on
9 May 2018 and lumbar spondylosis on 8 January 2021. Noted fall on 1 April 2021. Previous opinion on causation and WPI unchanged. 7. Dr Robin Diebold, orthopaedic surgeon, report dated 3 November 2023 - Noted no history of previous injury or symptoms in the neck, back or right shoulder. Diagnosed an aggravation of osteoarthritis of the cervical spine and lumbar spine caused by the motor accident. Also diagnosed an aggravation of rotator cuff tear of the right shoulder caused by the fall in April 2022, which was a consequential injury to the motor accident injuries of
11 April 2018. Assessment WPI percentage of injuries similar to Dr Hopcroft.
Mr Beveridge (the claimant) attended the PIC rooms on 14 May 2025. The re-examination was performed by Medical Assessor Les Barnsley. A chaperone was present throughout the entire assessment.
It was confirmed with the claimant that they understood the reason for the reassessment. The structure and function of the Review Panel was explained.
The nontherapeutic nature of the reassessment was explained. The type of questions to be asked and the nature of the examination required was also disclosed.
The claimant had undergone surgery to the left shoulder many years ago. This followed a wrenching injury on a bus steering wheel when he was trying to avoid a collision. He was unsure of the nature of the operation. He did think it involved "grinding back cartilage". He stated he had a good outcome from the surgery and had no pain or decreased range of movement noted in the shoulder.
On specific questioning he denied prior problems with neck back or right shoulder pain before the index motor vehicle accident.
In early 2018 he had tripped on an uneven footpath. He said he landed on his knees and had some midline low back painful. He claimed that this only lasted for a few days and he was able to return to work. He doesn't think he had any time off work. He did not have any leg symptoms at that time.
The claimant's attention was directed to a CT scan that had been ordered by his local doctor in association with this back pain. He explained that it had been to double check for any problems but that his pain had promptly settled.
The motor vehicle accident in question took place on the 11 April 2018. He was working as a bus driver. He was wearing a seat belt and was driving slowly up a hill through an intersection when a car drove from his right and struck the bus on the front driver's side corner immediately under his driver's seat.
He felt shocked and cannot recall his exact body movements.
The accident scene was attended by police ambulance and fire brigade. He was evaluated at the scene.
Symptoms and treatment following the motor accident
Within two hours, when he had returned to the bus depot, he became aware of increasing severe low back pain on the right lower back. He was seen by his local doctor the next day. He was prescribed ibuprofen and paracetamol. He was put off work.
He cannot recall when he first developed pins and needles in the left leg. However these did become apparent.
Approximately 2 to 3 months after the accident he developed some neck pain. This was located over the right lower neck. He did not have any pins and needles or numbness in the arms either then or at any subsequent point.
On account of the pain in his back and symptoms into his left leg he saw Dr John Christie, neurosurgeon. Doctor Christie's report of 30 May 2018 was reviewed. This confirmed that the claimant was suffering from low back pain and left leg pain as well as pain at the base of the neck. He also noted that there had been an improvement in the leg pain following a corticosteroid injection.
The claimant later started some physiotherapy as his leg pain again became problematic. He said that it would feel as if it would give way. He sought a second neurosurgical opinion from doctor Richard Ferch, who again recommended ongoing conservative treatment.
He was also reviewed by a pain management specialist, Dr Russo, who performed a series of diagnostic and therapeutic injections directed at his facet joints and cluneal nerve with little benefit.
He was eventually reviewed by Dr Spitaler, a neurosurgeon. He noted increasing leg pain and MRI evidence of a moderate sized left L5S1 disc prolapse. The claimant underwent a left L5/ S1 microdiscectomy on the 8 June 2021 by Dr Spitaler.
The claimant indicated that the surgery had not been successful. He suffered from persisting low back pain and ongoing leg symptoms after some initial improvement.
On 1 April 2021, the claimant was alighting from a car when he felt that his left leg gave way and he fell onto his right arm. He developed some right shoulder pain.
Following his spinal surgery he continued to have shoulder pain and was eventually referred to Dr Jai Kumar, orthopaedic surgeon who organised an MRI scan of the right shoulder that demonstrated a full thickness rotator cuff tear. This was repaired on the 18 October 2022 after conservative therapy had failed.
The claimant noted that his neck pain flared up following the surgery.
Since then the right shoulder pain has improved but he remains troubled by pain and loss of movement in the right shoulder.
He describes constant persistent low back pain that is made worse by prolonged sitting, standing or walking.
He experiences symptoms from the left lateral hip down the leg but he hasn't noticed any persisting weakness. He gets some intermittent pins and needles under the sole of the left foot.
He has neck pain over the right lower neck that radiates into the trapezius. He does not have any neurological symptoms in the arms such as numbness pins and needles or tingling.
He has had no further injuries but underwent triple vessel coronary artery bypass grafting in August 2023. He is not troubled by any ongoing symptoms such as shortness of breath ankle swelling or chest pain.
He is currently receiving physiotherapy twice a fortnight for his musculoskeletal symptoms.
On examination he was 172 centimetres tall and weighed 107 kilograms.
In the cervical spine there was no guarding or spasm. Flexion was 75% of expected and extension 50%. Right and left rotation were both limited to 50% of expected and right and left lateral flexion were limited to 25% of expected.
Neurological examination of the upper limbs revealed normal power in both arms. His upper limb reflexes, specifically biceps, triceps, and supinator jerks were all present. Sensation was intact across all dermatomes in both arms.
The circumference of the upper arms measured 10 centimetres above the lateral epicondyle was 34 centimetres on both sides. The circumference of the forearms measured 10 centimetres below the lateral epicondyle was 31 centimetres on both sides.
On examination of the lumbar spine there was no guarding and no spasm. There was a midline scar from his previous surgery over the lower lumbar spine. Flexion at the lumbar spine was 25% of expected and extension 50%. Lateral flexion was 50% of normal on both sides. Rotation at the lumbar spine was limited to 50% symmetrically.
Straight leg raising was limited to 40° on the right and 30° on the left due to low back pain. Sciatic stretch tests were negative on both the left and right sides.
Power in the lower limbs was normal. Specifically, there was no weakness of plantar flexion or dorsiflexion of the ankles. Neither knee jerk could be elicited. Both ankle jerks were present. Sensation was normal across all dermatomes in the lower limb.
The circumference of the thighs was measured 10 centimetres above the superior pole of the patella. The right thigh had a circumference of 49.5 centimetres and the left thigh 49 centimetres. This is not a significant difference. The circumference of the calves measured 10 centimetres below the inferior pole of the patella and was 41 centimetres on both sides.
On examination of the shoulder girdle there was no apparent wasting. The following ranges of movement were assessed with the goniometer and were consistent on repeated measures.
"6.6 Causation means that a physical, chemical or biological factor contributed to the occurrence of a medical condition. To decide that a factor alleged to have caused or contributed to the occurrence or worsening of a medical condition has, in fact, done so, it is necessary to verify both of the following"
This, therefore, involves a medical decision and a non-medical informed judgement.
6.7 There is no simple common test of causation that is applicable to all cases, but the accepted approach involves determining whether the injury (and the associated impairment) was caused or materially contributed to by the motor accident. The motor accident does not have to be a sole cause as long as it is a contributing cause, which is more than negligible. Considering the question 'Would this injury (or impairment) have occurred if not for the accident?' may be useful in some cases, although this is not a definitive test and may be inapplicable in circumstances where there are multiple contributing causes."
28 February 2018 where the back pain was noted and the claimant was advised to "come back if getting worse". The following consultation, on 5 March 2018, indicates that the claimant was "happy to go back to his usual working duties" and a subsequent "final WC-given" in the consultation of 3 April 2018. 4. Moreover, there is no clinical record that permits an impairment rating to be allocated to the claimant's low back before the accident in question. 5. The Panel considered that the motor vehicle accident on the 11 April 2018 caused an aggravation of the claimant's underlying lumbar spine degenerative disease. This was associated with neurological symptoms in the left lower leg. The Panel adjudged that on the balance of probabilities the giving way of the left leg was caused by this spinal impairment. 6. The Panel further notes that although he has some neurological symptoms in the lower limb, these do not meet the necessary criteria for radiculopathy, specifically he does not manifest two or more of the following clinical features: * loss or asymmetry of reflexes; * positive sciatic nerve root tension signs; * muscle atrophy and/or decreased limb circumference; * muscle weakness that is anatomically localised to an appropriate spinal nerve root distribution, and * reproducible sensory loss that is anatomically localised to an appropriate spinal nerve root distribution. 7. There is therefore an uninterrupted sequence of events between the motor vehicle accident in 2018 and fall in 2021 that resulted in the tear of the rotator cuff in the right shoulder. 8. The Panel went on to consider the insurer's submissions regarding the alleged delay in the reporting of the right shoulder injury. As detailed in the claimant's history to the Panel, the claimant says on 1 April 2021, he was alighting from a car when his left leg gave way and he fell onto his right arm. The fall and the mechanism of the fall (leg giving way) was noted by
Dr Spittaler a few weeks later, in a report dated 22 April 2021. 9. In the history provided to Medical Assessor Home, the claimant said "he attended his general practitioner who put him off work for a day". The Panel noted that there was indeed an attendance with Dr Ahmed on the afternoon of 1 April 2021 in the clinical notes. The clinical notes do not specifically mention the fall or an injury to the right arm or shoulder. However, the Panel noted that the detail in the notes repeat the same wording from consultation to consultation and may not have captured the claimant's complaints at the time. 10. The physiotherapy notes however, capture the details of the fall noting that the claimant's immediate concern was his legs with mention of right shoulder pain in the appointment on
13 May 2021 which came on "about last week". 11. While the Panel acknowledges the insurer's submission, on balance, the Panel accepted that the claimant did have a fall and that the fall could have resulted in an injury to his right shoulder as reported by the claimant to the Panel and to Medical Assessor Home. And further, that the claimant did see his GP and Dr Spittaler following the fall, with right shoulder pain detailed in the physiotherapy notes in May 2021. 12. The resulting right shoulder impairment is therefore caused by the motor vehicle accident.
Assessment of the degree of permanent impairment
[2] Page 11 of Medical Assessment Certificate reasons.
[4] Certificate of Determination of Medical Assessor Home for threshold injury dispute dated 10 October 2022.
[5] Page 179 of claimant's review bundle [A16].
[6] Page 2463 of claimant's review bundle [A19].
[7] Briggs v IAG Limited Trading as NRMA Insurance [2022] NSWSC 372 per Wright J at [35].
Beveridge
Insurance Australia Limited t/as NRMA Insurance [2025] NSWPICMP 358