austlii:nsw/NSWPICMP/2026/77
General information, not legal advice.
NSWPICMP
2026-02-03
Original judgment source is linked above.
Insurance Australia Limited t/as NRMA Insurance v McBlain [2026] NSWPICMP 77
MOTOR ACCIDENTS - Motor Accident Injuries Act 2017; review of medical assessment; exacerbation of pre-existing persistent depressive disorder with an anxious distress; whole person impairment (WPI); non-accident related peripheral neuropathy; suburban haematoma not a psychiatric injury; undiagnosed attention deficit hyperactive disorder; intermittent treatment for mood and anxiety problems; Review Panel is not qualified to comment on relationship between subdural haematoma and the motor vehicle accident; Held - WPI consequent on psychiatric injury caused by the subject accident is 0%
Certificate issued under s 7.23 (1) of the Motor Accident Injuries Act 2017 (the Act)
24 September 2024 who, in a certificate of the same date, certified that the claimant suffered injuries caused by the motor accident which gave rise to a permanent impairment of 17%. 4. The insurer sought a review of this determination and, in a certificate dated
4 December 2024, President's delegate Kenneth Ho decided that there is a reasonable cause to suspect that the medical assessment was incorrect in a material respect. The matter was then referred to this Panel. 5. The Panel has determined that a neuropsychological assessment is not required as the Panel is reviewing the degree of WPI caused by the psychiatric injury sustained in the accident which has been identified as post-traumatic stress disorder and depressive disorder with anxious distress. 6. Clause 14F of Schedule 1 of the Personal Injury Commission Act 2020 (the PIC Act) provides that the new review provisions apply in relation to a decision of a new decision-maker. A "new decision maker" is defined in cl 14A(1) of the Schedule 1 of the PIC Act. As the medical assessment, the subject of the review, was made on or after 1 March 2021, the new review provisions apply. 7. The new review provisions provide that a review panel consists of two Medical Assessors and a Member assigned by the Motor Accidents Division of the Commission. 8. Part 5 of the PIC Act enables the Commission to make rules with respect to its practice and procedure including proceedings before a panel reviewing a decision of a Medical Assessor. 9. Rules 127 to 130 of the Personal Injury Commission Rules 2021 (PIC Rules) are made pursuant to Part 5 of the PIC Act. A review panel determines how it conducts and determines the proceedings and may determine the matter solely based on the written application. 10. The review of the medical assessment is by way of a new assessment of all the matters with which the medical assessment is concerned.
(a) a dispute between a claimant and an insurer about a medical assessment matter, or
(b) an issue arising about a medical assessment matter in proceedings before a court for damages or in connection with the assessment of a claim by the Commission.
HISTORY OF SYMPTOMS AND TREATMENT FOLLOWING THE ACCIDENT
INJURIES OR CONDITIONS SINCE THE MOTOR ACCIDENT
20 November 2021. 7. The claimant recalled experiencing panic attacks in the weeks following surgery and a general increase in anxiety. 8. The claimant said that he had been involved in another motor vehicle accident. He said that this occurred during 2023 before he went into a rehabilitation facility. He could not recall the details of this accident.
Insurance Australia Limited t/as NRMA Insurance
McBlain [2026] NSWPICMP 77;