austlii:nsw/NSWPICMP/2025/611
General information, not legal advice.
NSWPICMP
2025-08-14
Original judgment source is linked above.
Cura v Insurance Australia Limited t/as NRMA Insurance [2025] NSWPICMP 611
MOTOR ACCIDENTS - Motor Accident Injuries Act 2017; permanent impairment; review; Medical Assessor's certificate assessed 9% whole person impairment; insured car struck the claimant's e-bike; Commission referred upper and lower limb injuries with cervical and lumbar spine injury to assess; re-examination; claimant was cooperative and consistent; accident was capable of causing all referred injuries; 6% permanent impairment; different clinical findings; - different permanent impairment findings to original assessment; Review Panel revoked original Medical Assessment Certificate; permanent impairment not greater than 10%.
Review Panel Assessment of degree of permanent impairment
Replacement certificate issued under s 7.26(7) of the Motor Accident Injuries Act 2017
18 October 2022. This surgery had been planned before this accident. 6. The insurer is responsible for loss arising from the claimant's injuries from the accident on
5 June 2021 under the Motor Accident Injuries Act 2017 (MAI Act). 7. The insurer and the claimant are in a dispute about the claimant's permanent impairment from injuries caused by this accident. The claimant applied to the Personal Injury Commission (Commission) to resolve this dispute. 8. The Personal Injury Commission (Commission) referred the following injuries for assessment: * cervical spine - musculoligamentous injury and strain; * both knees - bilateral - strain and injury with aggravation of pre-existing symptoms; * spine - sacrum/coccyx/lumbar spine/thoracic spine - a small avulsion fracture of the L1 left anterior end plate together with a coccyx fracture with associated haematoma to medial gluteal region. Musculoligamentous injury and strain; * right elbow - strain and injury; * right ankle - strain and injury; * hip - strain and injury; * bilateral hands - numbness in his fourth and fifth fingers in his bilateral hands; * left thumb - numbness in his left thumb, and * bilateral shoulders - persisting median and/or ulnar nerve pathology or radiculopathy in the upper limbs. 9. On 10 October 2024 Medical Assessor Alexander Woo certified the claimant's permanent impairment at 9%. 10. The claimant applied for review on the basis the assessment was incorrect in a material respect. The insurer opposed the application. 11. On 5 December 2024 the President of the Commission's delegate constituted this Review Panel (the Panel) to review the original certificate (the Review). 12. Following rule 128(1) of the Personal Injury Commission Rules, 2021 (the PIC Rules) the Panel 'is to conduct and determine the proceedings in accordance with procedures determined by the panel'. 13. The Panel met on 7 March 2025 to discuss how this matter will proceed. The Panel considered, inter alia, the claimant's history of injury to some of the referred body parts before the accident and why the parties provided more than 2,000 pages of information, when the relevant past injuries and treatment were not disputed. 14. The Panel will only refer to past injuries in respect of the impact on the referred injuries, unless the parties' submissions refer the Panel to relevant aspects. 15. The Panel decided it was necessary to re-examine the claimant. Medical Assessors Gibson and Gray agreed to examine the claimant on behalf of the Panel on 21 March 2025.
"the degree of permanent impairment of the injured person that has resulted from the injury caused by the accident (including whether the degree of permanent impairment is greater than a particular percentage) is a medical assessment matter"
"7.21 Assessment of degree of permanent impairment
(1) The assessment of the degree of permanent impairment of an injured person for the purposes of this Act is to be made in accordance with the Motor Accident Guidelines. The assessed degree of permanent impairment is to be expressed as a percentage.
(2) Impairments that result from more than one injury arising out of the same accident are to be assessed together to assess the degree of permanent impairment of the injured person.
(3) In assessing the degree of permanent impairment, regard must not be had to any psychiatric or psychological injury, impairment, or symptoms, unless the assessment of the degree of permanent impairment is made solely with respect to the result of a psychiatric or psychological injury.
(4) A Medical Assessor may decline to make an assessment of the degree of permanent impairment of an injured person until the assessor is satisfied that the impairment caused by the injury has become permanent."
6.5 An assessment of the degree of permanent impairment is a medical assessment matter under clause 2(a) of Schedule 2 of the Act. The assessment must determine the degree of permanent impairment of the injured person as a result of the injury caused by the accident. A determination as to whether the injured person's impairment is related to the accident in question is therefore implied in all such assessments. Medical assessors must be aware of the relevant provisions of the AMA4 Guides, as well as the common law principles that would be applied by a court (or the Personal Injury Commission) in considering such issues.
6.6 Causation is defined in the Glossary at page 316 of the AMA4 Guides as follows:
'Causation means that a physical, chemical, or biologic 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:
1. The alleged factor could have caused or contributed to worsening of the impairment, which is a medical determination.
2. The alleged factor did cause or contribute to worsening of the impairment, which is a non-medical determination.'
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 accident. The 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."
3 February 2022. 3. On 18 October 2022 Dr Diwan removed the hardware from one motion segment L4 - L5 plus extension of fusion L4 - S1. 4. On 26 January 2024 he fell and landed on his bottom, but his specialist advised he did not require further treatment. 5. Medical Assessor Woo diagnosed the following conditions as caused by the accident: * cervical spine - soft tissue injury; * both knees - soft tissue injury, aggravation of pre-existing degenerative changes; * spine - L1 vertebral fracture (and coccyx fracture (undisplaced)); * right elbow - soft tissue injury; * right ankle - soft tissue injury; * left hip - soft tissue injury; * bilateral hands - soft tissue injury; * left thumb - soft tissue injury, and * bilateral shoulders - soft tissue injury. 6. He considered the pre-existing degenerative changes in both knees had been aggravated by the accident but this would have resolved after six months. 7. Bilateral knee surgery was not related to this accident. 8. He did not locate two or more of the five radiculopathy signs present in either upper limbs during this examination. 9. All injuries were assessed at 0% permanent impairment except for the L1 fracture at 5% and the right shoulder at 4%.
Dr Bodel assessed 6%. 19. The Medical Assessor did not explain why he disregarded the claimant's left shoulder symptoms. His conclusion was at odds with his clinical findings.
28 July 2021 showingT12 (3.1cm), L1 (3cm), L2 (3.3cm). 4. The measurements of the two unaffected vertebrae were added and then an average obtained 3.1 + 3.3 = 6.4/2 = 3.2. 5. The measurement from the compressed vertebra was then subtracted from the average of the two adjacent vertebrae: 3.2 - 3 = 0.2. 6. The resulting figure (0.2) was divided by the average of the two unaffected vertebrae and turned into a percentage: 0.2/3.2 x 100 = 6% compression (rounded) equals 5% WPI (DRE category II, 3/102 AMA 4). 7. Therefore 5% WPI, due to the accident.
"Permanent impairment is impairment that has become static or well stabilised with or without medical treatment and is not likely to remit despite medical treatment. A permanent impairment is considered to be unlikely to change substantially and by more than 3% in the next year with or without medical treatment."
18 October 2022, almost two and a half years ago. His injuries are stable so his permanent whole person impairment is considered to be unlikely to change substantially by more than 3% in the next year with or without medical treatment.
Chapter 3, Page 110,
Cura
Insurance Australia Limited t/as NRMA Insurance [2025] NSWPICMP 611;