austlii:nsw/NSWPICMP/2025/297
General information, not legal advice.
NSWPICMP
2025-04-30
Original judgment source is linked above.
QBE Insurance (Australia) Limited v Kritas [2025] NSWPICMP 297
MOTOR ACCIDENTS - Motor Accident Injuries Act 2017; review of Medical Assessment Certificate (MAC); claimant assessed as having 11% whole person impairment (WPI) for physical injuries; claimant hit by a car while on a motorbike; fractured right wrist and right knee; developed neuropathic pain over right forearm but did not satisfy the criteria for complex regional pain symptoms under clauses 6.61-6.64 of the Motor Accident Guidelines (Guidelines); Table 15 of the , 4th ed (AMA4) gives maximum upper extremity impairment of 38%; under Table 11 of the AMA4 the claimant has Grade 5 impairment with major causalgia; clause 6.59 of the Guidelines states that the maximum in the range is to be used unless assessing for CRPS; maximum is 100%; therefore the upper extremity impairment (UEI) due to median nerve injury is 38%; combining the 38% UEI with wrist loss of range of motion (16%) and the shoulder loss of range of motion (6%) gives 51% UEI; converts to 31% WPI; - MAC revoked; new certificate issued; claimant sustained injuries that give rise to 33% WPI.
Certificate issued under Division 7.5 of the Motor Accident Injuries Act 2017
4 September 2024 and issues a new certificate as follows:
(a) The Review Panel certifies the following injuries were caused by the motor accident:
(i) right wrist and forearm - distal radius and ulnar styloid fractures;
(ii) right forearm - sensory dysfunction predominantly in median nerve distribution;
(iii) right knee and leg - medial femoral condyle fracture;
(iv) right hip - soft tissue injury;
(v) cervical spine - soft tissue injury;
(vi) thoracic spine - soft tissue injury;
(vii) lumbar spine - soft tissue injury;
(viii) left shoulder - soft tissue injury;
(ix) right shoulder - soft tissue injury with the limitation in range of motion persisting;
(x) left ankle - soft tissue injury;
(xi) right ankle - soft tissue injury, and
(xii) right wrist and forearm - surgical scarring.
(b) The Review Panel finds that the above injuries result in a whole person impairment of 33% which is greater than 10%.
Certificate issued under Division 7.5 of the Motor Accident Injuries Act 2017
The Review Panel combines its assessment of 24 April 2025 and the medical assessment of Medical Assessor Edward Korbel dated 6 August 2024 and finds:
(a) right wrist and forearm - distal radius and ulnar styloid fractures;
(b) right forearm - sensory dysfunction predominantly in median nerve distribution;
(c) right knee and leg - medial femoral condyle fracture;
(d) right hip - soft tissue injury;
(e) cervical spine - soft tissue injury;
(f) thoracic spine - soft tissue injury;
(g) lumbar spine - soft tissue injury;
(h) left shoulder - soft tissue injury;
(i) right shoulder - soft tissue injury with the limitation in range of motion persisting;
(j) left ankle - soft tissue injury;
(k) right ankle - soft tissue injury;
(l) right wrist and forearm - surgical scarring, and
(m) testicular injury - intratesticular haematoma/testicular Injury - sexual dysfunction - resolved.
Give rise to a permanent impairment of 33% and is greater than 10%.
6 August 2024 and was found to be resolved. 6. On 2 September 2024, Medical Assessor Alexander Woo assessed the claimant's musculoskeletal injuries as having a WPI of 26%. This resulted in a WPI of greater than 10%. 7. QBE lodged an application with the Personal Injury Commission (Commission) seeking a review of Medical Assessor Woo's assessment. 8. On 12 November 2024, a delegate of the President (Ms Rachel Brittliff) accepted the application for review and referred the matter to this Review Panel (the Panel) to conduct the Review proceedings.
18 April 2023. The knee was examined under anaesthesia and was found to be stable. It was treated conservatively. 2. The Medical Assessor also noted thigh/groin pain in the ambulance report which, in the Medical Assessor's view, was in keeping with hip pain. 3. The other bodily injuries did not surface until some time later. The claimant explained that he was on heavy medication for the treatment of CRPS and did not feel much pain until his CRPS symptoms improved. The Medical Assessor accepted that the other bodily injuries were caused by the motor accident. 4. On the issue of CRPS, the Medical Assessor did not find at least eight of the criterions present for a diagnosis of CRPS under the Guidelines.[2] The Medical Assessor also observed symptoms and signs of median nerve injury in the forearm, proximal to the carpal tunnel overlap with that of the CRPS. The nerve dysfunction was revealed in a nerve conduction study on 25 July 2023. However, the Medical Assessor did not assess the CRPS or the median nerve injury because he did not think the conditions had reached permanence. The right wrist scarring was also not assessed for the same reason. 5. The Medical Assessor assessed the right wrist and forearm fracture using loss of range of motion which was 9%WPI. 6. The right knee fracture was assessed as a supracondylar or intercondylar undisplaced fracture at 2%WPI. 7. The other musculoskeletal injuries, while caused by the motor accident, resulted in a WPI of 0%. 8. The total degree of WPI caused by the motor accident was therefore assessed at 11%.
(a) ambulance report (S13);
(b) discharge referral dated 19 April 2023 (R4);
(c) general practitioner (GP) clinical records (R6, R17);
(d) GP's questionnaire dated 9 May 2023 (R5);
(e) certificate of capacity dated 31 August 2023 (S4), and
(f) physiotherapy AHRR No 1 dated 11 May 2023 (S6).
Pre-accident medical history and relevant personal details
He was working as a branch manager of a logistic company at the time of the accident.
He previously fractured the distal phalanx on the right hand.
He had history of sensorineural hearing loss in 2020. He had no history of previous relevant injuries.
On 17/04/2023, Mr Kritas was riding a motorcycle wearing a helmet and full protective gear. He was travelling on King Georges Road when a car came out from a side street on his left side and collided into his body and motorcycle. He was thrown into the air and landed on his right side. He was unconscious for approximately 20 seconds he reported.
An ambulance attended the scene and transported him to St George Hospital.
History of symptoms and treatment following the motor accident
At St George Hospital, he was diagnosed with a fracture of the right distal radius and a right medial femoral condyle impaction fracture.
The right distal radius fracture was treated with open reduction and internal fixation on 18 April 2023, under the care of Dr Hugh Jones.
The right knee was examined under anaesthesia and was found to be stable. It was treated conservatively.
He was also diagnosed with left traumatic testicular haematoma.
He was discharged home on 20/04/2024. He came under the care of his GP Dr Monier Cosman on 21/04/2023. He was referred for physiotherapy.
He underwent an MRI of the right knee. He was referred to Dr David Parker who saw him on 15 May 2023 and opined that the right knee was stable and advised him to use a single crutch and hinged brace, weight bear as tolerated.
Dr Parker saw him on 13 July 2023 and noted that he had a full range of movement in his right knee, and it felt stable and symmetrical with the contralateral knee. There was quadriceps wasting.
Dr Hugh Jones reviewed his right wrist fracture and noted x-ray finding of anatomical restoration of the joint surface and radial length. MRI scan showed intact TFCC and preserved DRUJ.
He consulted with a psychologist to help him cope with the severe ongoing severe right wrist and forearm pain.
He underwent nerve conduction study on 25 July 2023. Dr Adeniyi Borire reported proximal median nerve dysfunction. There is marked reduction of the right median motor amplitude, with relative preservation of the distal latency and conduction velocity. In contrast, the right median sensory response and ulnar nerve values are within normal limits. The nerve conduction study was not diagnostic of carpal tunnel syndrome. The nerve dysfunction is proximal to the carpal tunnel.
He was suspected to have suffered Complex Regional Pain Syndrome (CRPS). This was confirmed by Dr Nikunj Parikh, Pain Specialist. He began treatment for CRPS.
He had "mirror box therapy" with a Hand Therapist and used lateralisation apps.
He was referred to Dr Saeed Kohan, Neurosurgeon on 23 January 2024 for increasing back pain after travelling to the South Coast. He stated that he did have back and neck pain since his accident but with the amount of analgesia for his other injuries, this was not of any significant severity.
Dr Kohan referred him for MRI scan of the lumbar spine, done on 01 February 2024. It showed a moderately large left central disc lesion at L5-S1 causing mild impingement of the left S1 root.
Dr Kohan reviewed him on 8 February 2024 and recommended him to have a left S1 peri-radicular steroid injection which helped his low back pain.
Dr Parikh reviewed him on 16 May 2024 and recommended:
2. Continue current analgesia. Consider trial of Norspan 5mcg weekly patch in one month.
3. Advised to commence active self-management online pain management course.
I note the most recent assessment with Dr Parikh at St George Private Hospital on 20 March 2025. He continued to treat him for "Complex regional pain syndrome of the right forearm". He also noted adjustment disorder with depression and anxiety as well as noting PTSD had been diagnosed by a Psychologist.
Details of any relevant injuries or conditions sustained since the motor accident
As outlined above he had back pain after travelling to the South Coast in January 2024 and attended emergency department of Shoalhaven Hospital on 22 January 2024. He was reviewed by Dr Kohan on 23 January 2024.
Mr Kritas main problems are in his right upper limb. It is painful and hypersensitive. It sweats, changes colour, is cold and swells with any activity.
The right upper extremity pain is associated with decreased range of movement in the right shoulder, elbow, wrist and fingers.
He has intermittent neck and low back pain as well.
He takes Endone, Palexia, Amitryptilline, Panadol Osteo and Celebrex.
He has been on the Norspan patch and mirtazapine previously.
Mr Kritas is right-handed. He is 181cm in height and weighs 95.3kg.
He has a mild limp with the tendency to put more weight on his left leg. He wears a protective sleeve over his right forearm because of hyperaesthesia.
There was no tenderness or spasm in the cervical spine but some tenderness in the base of the skull and over the trapezii bilaterally. Neck movement was limited by pain to 2/3 normal in all directions. There was no dysmetria.
There were no non-verifiable radicular complaints - the neurological symptoms in his right forearm are related to median nerve dysfunction/CRPS. There was no muscle guarding.
Neurological examination of both upper limbs - Reflexes in the right upper limb could not be assessed due to the severe pain with even light touch. There was no significant weakness or atrophy.
There was no tenderness, spasm or guarding in the thoracic spine.
Range of movement was normal. There was no dysmetria. There were no non-verifiable radicular complaints. Neurological examination was normal.
There was no tenderness or spasm in the lumbar spine. Back movement was limited by pain to: Flexion and extension - 2/3 normal Lateral flexion normal and symmetrical. There was no dysmetria. There were no non-verifiable radicular complaints There was no muscle guarding. Straight leg raising was 70 degrees on both sides with associated lower back pain. Sciatic nerve root tension signs were negative.
Neurological examination of both lower limbs - Reflexes were normal and symmetrical. There was no weakness and no atrophy. There was no sensory loss confined to any spinal nerve root distribution.
There was tenderness over the right shoulder and the left shoulder. Range of motion was measured with a goniometer as below:
There was mild discoloration of the whole right forearm and hand with blotchiness.
There is marked hyperaesthesia and allodynia in the whole forearm and hand. The volar surface of the forearm could not be touched nor could the median nerve distribution in the palmar surface of the hand be touched. The dorsum of the forearm and dorsum of the hand could be touched but there was marked hypersensitivity. There was a feeling like a "knife stabbing" with even light touch of the hand and forearm he reported.
Motor power could not be assessed because of the extreme hypersensitivity. He had markedly reduced active movement of the fingers and thumb due to the hypersensitivity.
There was mild swelling of the forearm and hand on the right.
There was normal hair growth. There was no nail deformity.
He could not form a fist - his fingers did not fully flex or extend and his thumb did not have a full range of motion.
[Colour photographs were taken of the right arm as they helped complement the above description of the clinical findings. These are located in an Appendix at the end of the Panel statement of reasons.]
Hips - There was no tenderness over the anterior joint line and greater trochanter in both hips. Both hips had the normal range of movement. Thigh and calf circumference was equal on both sides.
Knees - There was no effusion in both knees. Range of movement was normal and equal on both sides. There was no ligamentous instability.
Ankles - There was normal alignment of both ankles and feet. Range of movement was normal and equal on both sides. There was no ligamentous instability.
He was cooperative and consistent throughout the examination.
Summary of relevant radiological and medical imaging and other investigations
The following radiological and medical imaging was reviewed at the assessment:
X-ray right wrist on 13/07/2023 - There is ventral plating and screw fixation of a fracture of the distal radius. No deformity can be seen. Bony union is radiologically incomplete. There is a fracture of the ulnar styloid.
MRI right wrist on 12/09/2023 - Intact TFCC; There is an old fracture of the ulnar styloid with non-union and secondary pseudoarthrosis. There is patchy marrow oedema at the base of the ulnar styloid with synovitis suggestive of a degree of stabilisation. The DRUJ is preserved. There is prominent ECU tendinosis/tenosynovitis together with a small linear interstitial spread. ORIF of the distal radius with solid bony union.
X-ray cervical, thoracic and lumbar spine on 12/10/2023 - No fracture.
Whole body bone scan with SPECT on 08/11/2023 - No cause for the patient's symptoms is demonstrated.
Bone scan on 25/01/2024 - In the lumbar spine, hips and pelvis there is normal distribution of tracer. Comment There are no bone scan findings for the diagnosis of CRPS.
MRI lumbar spine on 01/02/2024 - There is a moderately large left central disc lesion at L5-S1 causing mild impingement of the left S1 root. There is no vertebral fracture or epidural haematoma. No significant facet injury. The central canal is preserved.
MRI cervical and lumbar spine on 15/06/2024 - Cervical spine: No thoracic fracture or epidural haematoma detected. The central canal and intervertebral foramina are preserved. There are multilevel small central disc lesions from the T2-3 to T10-11. There is no significant neural compression. The thoracic cord is intact. Lumbar spine: At L5-S1, there is mild disc desiccation. There is a moderately large broad-based left central disc protrusion with rupture of the annulus. This was also present on the prior study and has demonstrated marginal interval regression. It abuts the left S1 nerve root without significant compression. The facet joints are intact. The intervertebral foramina are preserved.
Dr Nikunj Parikh in his report dated 7 December 2023.[3] The claimant also stated that the insurer's submissions dated 9 April 2025 referred to the CRPS criteria in cl 6.62 of the Guidelines. The claimant says Dr Dryson agreed with Dr Parikh's diagnosis of CRPS however CRPS was not present at the time of Dr Dryson's examination on
8 November 2023. The claimant submits that it is open for the Panel examiner to find CRPS pursuant to the criteria in cl 6.62 of the Guidelines and to assess the WPI accordingly. 3. The insurer stated that the radiological evidence and the findings of Dr Dryson and Medical Assessor Woo do not support a diagnosis of CRPS under the Guidelines. 4. Specifically, the insurer highlighted Medical Assessor Woo's observation:
"Furthermore, the symptoms and signs of median nerve injury in the forearm, proximal to the carpal tunnel overlap with that of CRPS."
14 April 2025. As revealed below, while the Panel accepted that the claimant could be diagnosed with CRPS under other CRPS criteria, he did not satisfy the criteria under the Motor Accident Guidelines. Reasons for the assessment of the median nerve injury is provided below.
"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."
(a) right wrist - distal radius and ulnar styloid fractures;
(b) right forearm - median nerve dysfunction proximal to carpal tunnel;
(c) right knee and leg - medial femoral condyle impaction fracture;
(d) right hip - soft tissue injury;
(e) cervical spine - soft tissue injury - there is no radiculopathy;
(f) thoracic spine - soft tissue injury - there is no radiculopathy;
(g) lumbar spine - soft tissue injury - there is no radiculopathy;
(h) left shoulder - soft tissue injury;
(i) right shoulder - soft tissue injury;
(j) left ankle - soft tissue injury;
(k) right ankle - soft tissue injury, and
(l) right wrist - surgical scarring.
(a) skin colour is mottled or cyanotic - positive;
(b) cool skin temperature - positive;
(c) oedema - positive;
(d) skin is dry or overly moist - positive;
(e) skin texture is smooth and non-elastic - negative;
(f) soft tissue atrophy (especially fingertips) - negative;
(g) joint stiffness with reduced motion - positive;
(h) nail changes with blemished, curved or talon-like nails -negative;
(i) hair growth changes with hair falling out, longer or fine - negative;
(j) X-rays showing trophic bone changes or osteoporosis - negative, and
(k) bone scan showing findings consistent with CRPS - negative.
(a) right wrist and forearm - distal radius and ulnar styloid fractures;
(b) right forearm - sensory dysfunction predominantly in median nerve distribution;
(c) right knee and leg - medial femoral condyle fracture;
(d) right hip - soft tissue injury;
(e) cervical spine - soft tissue injury;
(f) thoracic spine - soft tissue injury;
(g) lumbar spine - soft tissue injury;
(h) left shoulder - soft tissue injury;
(i) right shoulder - soft tissue injury with the limitation in range of motion persisting;
(j) left ankle - soft tissue injury;
(k) right ankle - soft tissue injury, and
(l) right wrist and forearm - surgical scarring.
(a) right forearm - complex regional pain syndrome, and
(b) right hand - secondary carpel tunnel syndrome - the sensory change is much more widespread extending up the forearm.
(a) right hip - soft tissue injury;
(b) thoracic spine - soft tissue injury;
(c) left shoulder - soft tissue injury;
(d) left ankle - soft tissue injury, and
(e) right ankle - soft tissue injury.
"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."
Right upper extremity - median nerve, wrist and shoulder
Figures 26 and 29 on page 36 and 38 of AMA 4th Edition; Table 15 on page 54; Table 11 on page 48
Nil relevant. The distal 5th finger injury previously had resolved and does not affect the current impairment.
Colour photographs taken at Panel re-examination of Mr Alexander Kritas on 28 March 2025 (10 in total):
[1] See Division 4.3 of the Motor Accident Injuries Act 2017 (MAI Act).
[7] The applicable version of the Guidelines is version 9.3.
QBE Insurance (Australia) Limited
Kritas [2025] NSWPICMP 297