austlii:nsw/NSWPICMP/2025/414
General information, not legal advice.
NSWPICMP
2025-06-11
Original judgment source is linked above.
QBE Insurance (Australia) Limited v Tregear (No 2) [2025] NSWPICMP 414
MOTOR ACCIDENTS - Motor Accident Injuries Act 2017; review of Medical Assessment Certificate (MAC); cervical spinal injury; C5/disc bulge with some thecal sac; ongoing pain and discomfort; mild to moderate degenerative changes in cervical spine; neurogenic headaches; persistent headache attributed to whiplash; need for specific targeted therapy; - neurosurgical review reasonable and necessary; MAC confirmed.
Review Panel Assessment - Treatment and Care - Causation
Replacement Certificate issued under s 7.23(1) of the Motor Accident Injuries Act 2017
The Review Panel confirms the certificate of Medical Assessor David Gorman dated
RELATES TO THE INJURY caused by the motor accident
IS REASONABLE AND NECESSARY in the circumstances
WILL IMPROVE the recovery of the injured person.
7 June 2022. Following the accident the claimant lodged an Application for Personal Injury Benefits and thereafter sought treatment from a neurologist, Dr Krishnamurthy in respect to the cervical injury. 2. The insurer declined to meet these treatment expenses maintaining that the proposed treatments are not reasonable and necessary and do not relate to the motor vehicle accident. This included the 5/6 cervical discectomy and fusion, the consultations with
Dr Krishnamurthy and the consultation with Dr Gerrich-McGregor. 3. In his certificate dated 8 July 2024 Medical Assessor Raymond Wallace stated that he was unable to comment on whether or not the consultation with Dr Venkatesh Krishnamurthy is reasonable and necessary in the circumstances as Mr Tregear was referred to the specialist neurologist for investigation of his headache which is a condition that is outside the area of his expertise. 4. Accordingly, the claimant was examined by Medical Assessor David Gorman on 26 August 2024. In a certificate dated
8 September 2024 Medical Assessor Gorman determined that the treatment and care relates to the injury caused by the accident, is reasonable and necessary in the circumstances and will improve the recovery of the injured person. 5. The matter was considered by President's delegate, Tajan Baba who in a decision dated
28 October 2024 determined that there was a reasonable cause to suspect that the certificate was incorrect in a material respect. 6. Accordingly, the matter was referred to this Medical Panel. 7. 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. 8. 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 Personal Injury Commission (the Commission). 9. 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. 10. 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. 11. The review of the medical assessment is by way of a new assessment of all the matters with which the medical assessment is concerned.
"CT 40yo M pt MVA mini van vs semi truck side swipe. 0/A pt walking down side of road with driver of other vehicle. Pt walking normally, alert and having conversation. Pt states was driving along road and a truck took the corner too tight cutting across his lane and side swipped his vehicle. Pt recalls entire event, self extracted, GCS 15, neck pain 4/10 radiating to R shoulder (declined pain relief for injury), sand bags used as reminder not to move neck. nil arbag deployment but were fitted, road speed 60kph but pt states not going nearly that speed, seat belt worn. no sudden decelerations. All other observations within normal range for pt."
"40 yr old man transfer from Byron ED post MVA with neck pain. Had CT neck which showed C5/6 disc bulge and some thecal sac narrowing. Transferred to Tweed for MRI spine after Neurosurgical advice. MRI c spine - showed no acute traumatic injury ...Was rediscussed with neurosurgical team GCUH who were happy with GP follow up , no neurosurgical intervention or follow up required. No injuries on tertiary survey. Mobilised well. Plan: D/C home. Regular paracetamol / ibuprofen. Heat or cold packs to aching muscles. GP follow up. Return to ED if worsening pain/weakness to limbs or other concerns."
"There is no acute cervical injury noted. Disc bulging at the C5-6 level abuts the cord and narrows the thecal sac." MRI scan showed "No evidence for vertebral compression fracture or marrow contusion. No prevertebral haematoma or collection. No spinal cord injury. Multilevel mild to moderate degenerative changes in the cervical spine most prominent at C5-6 level with right foraminal narrowing and mild canal narrowing with mild neural compression as described."
diazepam to manage the pain. He said he "never had pain like that before." 5. He was eventually referred to neurosurgeon, Dr Sergides. On 8 October 2024 Dr Sergides performed anterior cervical discectomy and C5/6 fusion at North Shore Private Hospital. 6. The claimant said there was significant improvement in his symptoms following this procedure. He had a telehealth consultation with the doctor about six weeks postoperatively but then no other reviews were planned unless required. 7. He continued to have weekly osteopathy and physiotherapy. He said he has not taken any medication for over six weeks. 8. He has been referred to a pain specialist at Physio Plus in Lismore and the appointment is scheduled for next week.
18 November 2022. The doctor noted that "He describes constant headaches which varies in intensity from 2-7/10 and this has been ongoing since this accident. He denies any prior history of headaches" and "he meets the diagnostic criteria for a diagnosis of persistent headache attributed to whiplash." He had prescribed amitriptyline for the headache and at his second consultation (12 April 2023) he notes "he has progressed into a transformed migraine." 2. These consultations related to the subject accident, as they were originally cervicogenic and so secondary to his cervical spine injury. There was no prior history of headache, and specific headache symptoms had arisen within days of the subject accident. The consultations were reasonable and necessary as they were conducted to formulate a plan for specific targeted therapy, which was different to the treatment required for the neck injury. The consultations would improve recovery, as this was therapy particularly targeted to the headache diagnosis. 3. The following treatment and care relates to the injury caused by the motor accident: * the request for a consultation with Dr Venkatesh Krishnamurthy (neurologist). 4. The following treatment and care is reasonable and necessary in the circumstances: * the request for a consultation with Dr Venkatesh Krishnamurthy (neurologist). 5. The following treatment and care will improve the recovery of the injured person: * the request for a consultation with Dr Venkatesh Krishnamurthy (neurologist).
QBE Insurance (Australia) Limited
Tregear