austlii:nsw/NSWPICMP/2025/381
General information, not legal advice.
NSWPICMP
2025-05-29
Original judgment source is linked above.
Insurance Australia Limited t/as NRMA Insurance v Mohammed [2025] NSWPICMP 381
MOTOR ACCIDENTS - Motor Accident Injuries Act 2017; review of Medical Assessment Certificate (MAC); assessment of 15% impairment; insurer's application for review under on basis insufficient reasons for neck assessment and inconsistency in shoulder measurements; - claimant re-examined; claimant demonstrated consistent range of motion, variation in other assessments due to time and related to activity levels; assessment of impairment 5% neck; 8% shoulder; total greater than 10%; MAC revoked; no matter of principle.
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.
26 November 2024 the President's delegate convened this Review Panel (the Panel) to conduct the Review. 6. By way of background, a number of other certificates have been issued in the dispute as follows:
(a) on 5 June 2024, Medical Assessor Grainge issued a certificate noting the claimant's chest and lung injuries have resolved with no assessable permanent impairment;
(b) on 13 August 2024 Medical Assessor Barrett determined the claimant's post-traumatic stress disorder had resolved leaving no assessable permanent impairment, and
(c) on 18 September 2024, Medical Assessor Grainge issued a "combined certificate" certifying that the claimant's physical injury WPI assessments when combined resulted in a WPI of greater than 10%.
(a) cervical spine - disc bulge at C4/5, a broad-based disc bulge at C5/6 causing impression upon anterior CSF sleeve and broad-based disc bulge at C6/7/ soft tissue injury with radiculopathy into the upper limbs;
(b) lumbar spine - soft tissue injury with radiculopathy into the lower limbs;
(c) right shoulder - displaced/angulated fracture involving the surgical neck of the humerus extending to the greater tuberosity, thickening of the coracoacromial ligament and a hyperintense labrum reflecting degeneration without destabilisation of the bicipital anchor;
(d) left shoulder - soft tissue injury due to overuse of the left shoulder;
(e) right hand - soft tissue injury;
(f) right knee - soft tissue injury/ abrasion, and
(g) right leg - soft tissue injury.
(a) the claimant did not complain of lumbar spine symptoms to Dr Rosenthal or
Dr Bodel and clinical records do not report any injury to the lumbar spine [2.1] - [2.5];
(b) contemporaneous records do not suggest the claimant injured his right hand, no treatment has been provided to it and Dr Rosenthal, Dr Bodel and Dr Dryson do not mention complaints in the right hand [2.6] - [2.10];
(c) the insurer concedes abrasions may have occurred on the right knee but note no records of treatment, Dr Rosenthal records no complaints, Dr Bodel records no neurological signs in the lower limbs, Dr Dryson did not mention lower limbs and says there is no impairment [2.11] - [2.15];
(d) in respect of the left shoulder, the claimant says he has overused his left shoulder but there is no record of left shoulder injury. The claimant told Dr Rosenthal his left shoulder moved normally, and Dr Bodel and Dr Dryson record no complaints. The insurer refers to a different AMA publication to suggest overuse injury is an "unsupportable myth" [2.16] - [2.21];
(e) the insurer submits that the claimant may have suffered a soft tissue injury and refers to pre-existing degenerative changes, Dr Bodel found asymmetry of motion and guarding but no clinical sign of radiculopathy and Dr Dryson expressed the view the disc bulges were pre-existing. The insurer says "as at September 2022 the claimant confirmed he was not having treatment for the neck and in July 2023, Dr Rosenthal found no asymmetry, no guarding and no signs of radiculopathy". The insurer suggests there is no assessable impairment [2.22] - 2.25] to the neck, and
(f) the insurer agrees the claimant sustained a fracture of the right humeral head with development of capsulitis which Dr Rosenthal has assessed at 4%.
(a) the combined certificate of Medical Assessor Grainge was issued on
19 September 2024;
(b) 28 days from 19 September is 17 October, and
(c) the insurer' application was lodged on 18 October 2024.
18 October 2024. 2. The claimant submits at [20] that the Medical Assessor found a neck injury was sustained and at [21] that the claimant reported right sided neck pain and radiating pain, yet the Medical Assessor found no non-verifiable radicular symptoms. The claimant refers at [22] to the imaging and says the claimant's diagnosis is consistent with that finding at [23] and that with a neck injury and radiating symptoms, the 5% WPI is no error. 3. The claimant also submits that the claimant sustained a fracture of the right humeral head at [29] and submits at [30] that a different finding of range of motion is not an inconsistency which must be put to the claimant. The claimant argues at [32] that cl 6.41 provides for inconsistency between measured and observed range of motion which is not an issue and that at [33] there is no obligation for the Medical Assessor to put to the claimant measurements taken a year before.
"When I was going to work, there was roundabout. The car who hit me didn't giveway. He was on the left side.
T-boned by a car on a (R) right side whilst riding my scooter."
(a) the claimant was admitted on 13 October 2020 and discharged on
15 October 2020;
(b) the claimant was 38 years of age;
(c) his presenting diagnosis was of "provoked pulmonary embolism";
(d) he had right upper limb pain following a fractured humerus and was to take Panadol and Endone only when needed;
(e) he was to follow up with the respiratory clinic in three months' time having had a scan on 17 December, and
(f) the past medical history included a provoked pulmonary embolism in 2020 and a right humeral fracture in the car accident on 7 October 2020.
14 April 2022. He records the following "summary of injuries":
(a) fracture of the right humerus at the right shoulder;
(b) injury to cervical spine;
(c) post-traumatic pulmonary embolus, and
(d) psychological sequelae.
20 September 2022 after an examination on the same date. He has a consistent history of a right sided impact and ambulance to hospital. 2. He has a history of the claimant coming to Australia in 2009, achieving a Bachelor of Business and Accounting and studying for a graduate diploma in leadership strategy. 3. The claimant reported ongoing pain in his right shoulder, neck pain, chest pain (resolved) and psychological sequelae. There is no mention of left shoulder symptoms or lower back pain and no complaints of the hands or right leg. 4. The claimant had returned to work as a console operator, was taking pain killing medication two to three days a week but otherwise having no treatment. 5. Dr Dryson assessed impairment as:
31 July 2023. The claimant was working at a petrol station as a retail manager. He had moved to Wingham. He complained of constant neck pain, no radicular symptoms and intermittent right shoulder pain and restricted movement. The claimant was having no treatment but doing his own exercises. 7. Mr Mohammed's wife and two children had arrived from India. 8. He assessed shoulder range of motion at 4% and no neck impairment.
RE-EXAMINATION FINDINGS - MEDICAL ASSESSOR DIXON
(a) he had no problems at all with his left shoulder;
(b) he had some lower back pain initially, but this had settled and he has been symptom free for a while now;
(c) he has no symptoms in either of his hands and does not recall any injury to them;
(d) he had an occasional click in his right knee, but he has no pain and has not experienced any locking or instability in the knee, and
(e) his right leg, where he had the DVT, had settled and he has no pain or symptoms there.
(a) flexion decreased by one quarter and pain on neck extension which was decreased by one third;
(b) lateral rotation was decreased by one third on both sides, and
(c) lateral flexion to the left was associated with pain in his right trapezius muscle and decreased by one third and to the right movement was reduced by one quarter.
(a) reflexes were present, brisk and symmetrical;
(b) there were no sensory losses over the upper or lower arm;
(c) thenar power, intrinsic power and grip strength were grade 5 out of 5 on both sides, and
(d) his forearms were equal and measured 22.5cm and his upper arms equal and measured 26cm, 10cm below and above the elbow respectively.
(a) pain with;
(b) guarding or;
(c) non-uniform range of motion - dysmetria or;
(d) non-verifiable radicular complaints defined in Table 6.8 as:
(i) symptoms (shooting pain, burning sensation, tingling), and
(ii) which follow the distribution of a specific nerve root but 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 (see Table 8);
(b) positive sciatic nerve root tension signs (see Table 8);
(c) muscle atrophy and/or decreased limb circumference (see Table 8);
(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.
"6.50 Although range of motion appears to be a suitable method for evaluating impairment, it can be subject to variation because of pain during motion at different times of examination and/or a possible lack of cooperation by the person being assessed. Range of motion is assessed as follows:
(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)
(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."
"6.51 If the contralateral uninjured joint has a less than average mobility, the impairment value(s) corresponding with the uninjured joint can serve as a baseline, and are subtracted from the calculated impairment for the injured joint only if there is a reasonable expectation that the injured joint would have had similar findings to the uninjured joint before injury. The rationale for this decision must be explained in the impairment evaluation report.
6.52 When using clause 6.51 (above), the medical assessor must subtract the total upper extremity impairment (UEI) for the uninjured joint from the total UEI for the injured joint. The resulting percentage UEI is then converted to WPI. Where more than one joint in the upper limb is injured and clause 6.51 is used, clause 6.51 must be applied to each joint."
(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) right hand, no injury or no assessable impairment;
(b) lower back, no injury or no assessable impairment;
(c) left shoulder, no injury or no assessable impairment;
(d) right leg, no assessable impairment;
(e) right knee, no assessable impairment;
(f) cervical spine, DRE category II 5%, and
(g) right shoulder, 8%.
Shoulder comparison. All measurements are in degrees. All dates are the date of the examination (not the date of the report)
[1] The current maximum as of October 2024 is $654,000.
[4] Section 7.21. The current version of the Guidelines is Version 9.1 which is effective from 1 April 2023.
[5] The numbers in square brackets are a reference to the section number in the Medical Assessor's reasons.
[6] Page 15 of the insurer's review bundle. The Panel notes these submissions included the injury assessed by Medical Assessor Grainge and the psychological injury and will not summarise these submissions here.
[7] Page 21 of the insurer's bundle and page 22 of the claimant's bundle.
[9] Page 27 of the insurer's bundle, page 37 of the claimant's bundle.
[11] This is referred to as the "Nguyen Principle".
Insurance Australia Limited t/as NRMA Insurance
Mohammed [2025] NSWPICMP 381