austlii:nsw/NSWPICMP/2025/104
General information, not legal advice.
NSWPICMP
2025-06-11
Original judgment source is linked above.
QBE Insurance (Australia) Limited v Maguire [2025] NSWPICMP 104
MOTOR ACCIDENTS - Motor Accident Injuries Act 2017; review of medical assessment; left wrist comminuted fracture of the distal shaft of the left radius; mild posterior displacement of the distal fragments; re-examination required; open reduction and internal fixation of the radial fracture with volar plate and screws; left median sensory motor neuropathy; residual stiffness of the left wrist; radial fracture remains stabilised by plate and screws; numbness in the thumb and index finger; loss of grip strength; loss of heat sensitivity over index and middle finger; unconcerned about scar; residual sensory changes of carpal tunnel distribution; - combined values chart upper extremity impairment 10% whole person impairment; Medical Assessment Certificate revoked.
Certificate issued under s 7.23(1) of the Motor Accident Injuries Act 2017
20 March 2024. In a Certificate dated 2 April 2024 Medical Assessor Shahzad issued a certificate that the injury to the claimant's left wrist- comminute fracture of the distal shaft of the left radius with mild posterior displacement of the distal fragments, gave rise to an assessment of 13% WPI. 3. The insurer made a Medical Assessment review application in respect to Medical Assessor Shahzad's Certificate which was opposed to by the claimant. The application was considered by the President's delegate Ashley Payne, who in a decision dated 4 June 2024, determined there was a reasonable cause to suspect that the medical assessment was incorrect in a material respect and accordingly the matter was referred to this Review Panel. 4. On 18 July 2024, the Panel met by Teams Conference and considered the matter. The Panel sought submissions from either party as to whether or not a re-examination of the claimant was required. Following this the claimant has indicated that they considered that a re-examination of the claimant would be required. The insurer submitted that a re-examination would not be required so long as the Panel was satisfied that they were able to assess permanent impairment and provide readings regarding the cause of the claimant's range of motion in his wrist based on the material available. 5. Having received these submissions the Panel reconvened on 30 August 2024 at which time it was determined that, noting the submissions to the parties, that a re-examination of the claimant ought to take place. This was scheduled for 1 November 2024. On
12 September 2024 the claimant advised that he was unable to attend the medical examination and accordingly the examination of the claimant was re-scheduled to
31 January 2025. 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 provision 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.
24 July 2021 that showed the volar plate and screws were transfixing the comminuted distal radial fracture with intra-articular extension in good position. He had been in a cast for two weeks after the operation and had been in an Exos cast for six weeks and took opioids for pain such as Oxycodone. 2. In the convalescent period he had numbness of his fingers of the left hand and was referred for a nerve conduction study on 14 August 2021 which showed left median sensorimotor neuropathy, felt likely due to median nerve injury related to the distal wrist fracture. 3. On further follow up with his orthopaedic surgeon, Dr Nouh on 25 August 2021, there was residual stiffness of his left wrist although he still experienced numbness of his left thumb and index finger. He had hand therapy organised for a few sessions. X-ray on the same day had shown the distal radial fracture remained stabilised by plate and screws but there was some incomplete bony union of the fracture site and he commenced hand therapy on
6 September 2021. 4. After six weeks of hand therapy, he was able to return to work, initially doing light duties part-time. 5. He had follow up by Dr Noah on 17 November 2021 who noted there was ongoing altered sensation of the claimant's thumb and that if there was no improvement, a repeat nerve conduction study was suggested, which the claimant says has not taken place. 6. He saw his general practitioner, Dr Kwong, on 13 December 2021 who noted numbness of the left thumb and slight weakness. The hardware remained in situ. 7. He had not had any previous injuries to his left wrist or hand and there were no injuries since the subject motor vehicle accident.
24 July 2021 showed the volar plates and screws transfixing the comminuted distal radial fracture with intra- articular extension and the fracture remained visible with no bony union/callous formation at that stage and no hardware failure was noted. He did commence hand therapy on 6 September 2021 for some six weeks. 2. Nerve conduction studies dated 14 August 2021 showed that there was left median sensorimotor neuropathy probably due to his median nerve injury related to his distal wrist fracture. Although the neurologist reported no significant left carpal tunnel syndrome clinically, there was residual sensory changes in the carpal tunnel distribution, grade three out of five, and satisfactory motor power and there was no evidence of ulnar neuropathy or gross intrinsic weakness.
Dr O'Neill that it is possible to make a statement about impairment about knowing the exact mechanism for continued symptoms.
AMA 4, 26% of 38%, giving 10% UEI. 2. The post-traumatic stiffness of the left wrist is from Pie Charts 26 and 29, Pages 36 to 38. The range of motion of his left wrist was restricted with dorsiflexion of 45°. This measurement is midway between 40° (4% UEI) and 50° UEI (2%). Page 9 of the AMA 4 Guides states:
"In general, an impairment value that falls between those appearing in a table or figure of the Guides may be adjusted or interpolated to be proportional to the interval of the table or figure involved, unless the book gives other directions...."
QBE Insurance (Australia) Limited
Maguire [2025] NSWPICMP 104