Damages
62The plaintiff was born in Fiji and attended primary and secondary schooling in both Australia and Fiji. She completed her Higher School Certificate in 2002 in Australia and was thereafter employed by AAMI Insurance as a contract sales operator within the compulsory third party section. She commenced starting a Bachelor of Business part-time but deferred her studies. In 2004 she commenced employment as a cadet accountant but after a short time decided that that was not a career path for her. In 2005 she worked for both AMP and Macquarie Bank and in 2006 was employed by Skandia. She commenced employment as a paraplanner in 2007 doing strategic and compliance work for Red Oak. This involved working in a seated position utilising a computer keyboard.
63The plaintiff married in November 2008. In July 2009 she commenced employment with CIB Private Wealth and in October 2010 she was employed by Genesys Wealth Advisers. At first she worked three days a week, which was increased to five days a week or full time work, and subsequently reduced to four days. She chose to work four days a week so she could take a day off to study interior design and had enrolled in a course at the International School of Colour and Design, which she was half way through at the time of her injury. It was her intention to work with either an architect or property developers as an interior designer. Her fallback position was to continue working in financial planning and to that end, in 2010 she had completed a Diploma in Financial Services at the Kaplan Institute by correspondence. She had also achieved a Certificate IV in colour design in 2010.
64Following her fall, the plaintiff was taken by her husband to the Castle Towers Medical Centre where she was medically examined. She was prescribed Voltaren and Panadol and advised to come back if the pain increased. Over the next few days she did suffer a substantial increase in pain in her lower back and on 1 August 2011 she was referred by her doctor for a CT scan which demonstrated slight bulging of the L5-S1 disc with evidence of impingement on the left L5 nerve root as it exits the foramen. She was treated conservatively with physiotherapy with some temporary improvement only.
65The plaintiff was referred to Dr R Elliott, Orthopaedic Surgeon, who examined her first on 9 August 2011. At that time he described her complaints as chronic low back pain radiating into the left leg with intermittent numbness. Her pain was aggravated by sitting, standing and coughing and was partly relieved by heat. Dr Elliott recorded "there is no relevant past history". He reviewed the CT scan of her lumbar spine and confirmed the small disc bulge at L5-S1 centrally and to the left. He recommended conservative treatment but if she did not improve was to arrange an MRI scan for her. When next reviewed on 1 September 2011 she was no better and was having increased left-sided sciatica with some numbness. Dr Elliott referred her for a MRI scan. That scan was reported on in his report dated 13 September 2011. It confirmed minor bulging at the L5-S1 disc but did not "seem to cause any neural impingement". Dr Elliott recorded her as slowly improving, but still had some numbness and tingling in her leg when she sits down.
66He concluded:
"I am unclear as to why this is occurring, but I think she could return to work as from the 19/9/2011. Overall the prognosis is good and I have returned her to your care."
67Dr Elliott's three reports were relied on by the defendant (exhibit 11), together with reports of Dr D Shan and Dr I Barrett. Dr Shan diagnosed an Adjustment Disorder with aggravation due to her marriage breakdown. Dr Barrett was of the opinion that she was incapacitated for work for eight weeks following the accident, when she could have returned on restricted duties. By July 2012 he opined that she was fit for her pre-injury duties.
68Notwithstanding those reports, the plaintiff gave evidence that she continued to suffer low back pain which was treated with physiotherapy and rest. Following her move to Melbourne in mid 2012, she continued having physiotherapy once per week, as well as doing exercises at home. She gave evidence that she was not really ever pain free but that she had learnt to tolerate the pain. Over the last six months she believed that she had been improving a bit, however, albeit slowly.
69When asked about her emotional state she said:
"A: Well I can't do the things I used to do, so as a result of it, I feel like I am just not good enough any more, so that does wear, like put a toll on you as a person ..."
70Her injury affected her relationship with her husband, she became very moody and the marriage broke down. That caused her to move to Melbourne to live with her brother and sister-in-law.
71Prior to her injury, as well as working four days a week, the plaintiff gave evidence that she did the majority of the housework, as, for cultural reasons, "being an Indian wife", it was expected of her. Following her injury she was unable to do the heavy cleaning work and her capacity to do housework generally reduced to almost nothing. She could not do her laundry or ironing and could only do basic shopping. Her husband had done most of the outside work but her evidence was that following the injury he spent two hours per day, seven days a week, doing household chores that she had formerly attended to. He was not able to do them to her standard which led to disputes.
72At the time of the injury the plaintiff and her husband were renting a three bedroom, two-bathroom home. Within a short time they moved to a twobedroom apartment. The plaintiff gave evidence that her husband still attended to the same amount of housework, namely, two hours per day, until they ultimately separated in June 2012. (Her ex-husband was not called to give evidence).
73Since her move to Melbourne, the plaintiff gave evidence that she did little in the way of housework, which her sister-in-law attended to.
74The plaintiff gave evidence that in the future she intended to pursue a career in interior design. Once she got stronger she intended to get a job, move out and live independently. She gave evidence that she would however need help with household chores such vacuuming, cleaning floor, cleaning bathrooms, washing and ironing.
75In respect of her emotional state, the plaintiff gave evidence that she did not think that she was the same person. She was quieter, moodier and not as energetic and bubbly as she was prior to the accident. Her recreational interests were tennis and yoga and she could not play tennis now. When asked whether she would have psychological treatment recommended by Dr Clarke, she reluctantly agreed.
76As set out above, the plaintiff's credit was attacked in crossexamination. To some extent that attack was successful in that she ought to have disclosed to the Court her business ReKreate Cakes which she had registered and was clearly pursuing. For that reason alone, the plaintiff's evidence has been treated with some caution and where it is inconsistent with other objective evidence, that evidence is to be preferred.
77As also set out above is the plaintiff's medical history was challenged and it was submitted that she had suffered a pre-existing low back injury which was symptomatic at the time of this accident, and therefore her injury constituted an aggravation of that pre-existing symptomatic injury. I do not accept that was the case. The plaintiff had had previous gynaecological and abdominal surgery, following which she was advised not to lift. She suffered abdominal and back pain for which she received some treatment from a physiotherapist. She had had no treatment in respect of her low back for the year prior to the injury and the reference in exhibit M to her low back being "still sore" three days prior to the injury is left somewhat unexplained.
78The defendant bears the evidential burden of proof in respect of this issue - see Watts v Rake (1960) 108 CLR 158 and Purkess v Crittenden (1965) 114 CLR 164. I am not persuaded on the balance of probabilities on that evidence that she suffered a pre-existing symptomatic low back injury.
79The plaintiff was also challenged about her emotional state and her need for counselling. It was put to her that she had seen a counsellor, Shelly Jackson, on 29 June 2012 and that notwithstanding that a large number of matters had been raised, she did not suggest for one reason that a cause of her marriage breakdown was the injury suffered by her in the fall. That contention was rebutted by Ms Jackson's clinical assessment note (exhibit B) which recorded "also off work due to back injury".
80It was clear from the evidence that there were cultural difficulties in the marriage arising from a clash of values between her and her husband's family. The plaintiff described herself in the following terms:
"I was depressed and emotional. As an Indian girl if you can't cook and clean you are no longer a good wife."
81The plaintiff was adamant she had definitely changed since she had hurt her back in the fall and her marriage had been affected by that.
82In re-examination the plaintiff explained the cake making business on the basis that she had always enjoyed baking, that it was done more for the benefit of her own self-esteem than anything else and that her friend Steph Mikhail had helped her with baking prior to her injury and after her injury she did not do any of the actual baking herself. She designed the cakes which were cooked by Ms Mikhail and the customer paid her friend directly. Ms Mikhail was not called to give evidence.
83The plaintiff's mother gave evidence that prior to the accident the plaintiff's personality was that of a very bubbly, very happy girl, who loved the elderly and her father. She had been visiting her daughter from Fiji at the time of the accident and extended her stay to assist her at home with cooking and washing. She left two to three weeks after the accident and described the plaintiff at that time as "slowly improving".
84The plaintiff's sister-in-law, Mrs Deepa Chand, also gave evidence. Mrs Chand described the plaintiff as being "really social" before the accident. She said she was an outgoing family orientated happygolucky person. When asked whether she observed any changes in the plaintiff following the accident she described her as being "very sad and a little bit depressed".
85Mrs Chand volunteered that she had assisted the plaintiff baking five to six cakes, but that the plaintiff would do the design of the cakes. In crossexamination it was put to Mrs Chand that she had exaggerated her evidence as to the plaintiff's capacity for household chores and that in fact she did a lot more, which she denied. It was put to Mrs Chand that the plaintiff was totally capable of looking after herself and she conceded that she was improving with physiotherapy. The reason for her move to Melbourne was to obtain emotional support from her family following her separation from her husband.
86The plaintiff relied on reports from her treating GP in Melbourne, Dr Cooray, to establish continuing complaints of back pain from July 2012 until the end of that year. She also relied on a report from Dr Bodel, Orthopaedic Surgeon, who diagnosed a minor disc injury at the lumbar sacral junction as a result of the fall and that she would be able to return to work full time in financial planning and her study program within 612 months from April 2012. Dr Bodel's opinion was that she required household maintenance and cleaning assistance for three hours per week from the time of the fall "for a period of about 6 months" and would require ongoing two hours domestic assistance for "at least the next 6 months". In a report dated 8 April 2013 Dr Bodel was of the opinion that her prognosis remained guarded and that she would require two hours domestic assistance per week indefinitely as a consequence of her injury.
87The plaintiff also relied on a report of Dr Peter Conrad dated 10 May 2012. He was of the opinion that she suffered an injury to her L5-S1 disc, that she would be able to do clerical or office-based work as a financial planner with reduced hours commensurate with her symptoms and that she could not lift more than 5 kilograms in weight. Dr Conrad stated that she "might need some 6 hours per week of home care assistance". In his subsequent report dated 9 April 2013, he regarded her as fit for 15-20 hours per week office work with lifting restrictions and again that she "might need about 6 hours per week of home care assistance".
88Dr T Clarke, Psychiatrist, also examined the plaintiff and provided a report dated 11 April 2012. He was of the opinion that she suffered a posttraumatic stress disorder following the accident with persistent migraines, that she was quite depressed and at times panic stricken. Dr Clarke recommended treatment with a psychiatrist over 9 months, attending every two to three weeks at $400 per session, as well as medication that would cost in the region of $400 per month. He did not explain what medication that was. In a report dated 10 April 2013 he reported little change and stated that the plaintiff still suffered chronic depression which was part of her post-traumatic stress disorder. He recommended the same treatment regime.
89The plaintiff tendered a Schedule of Damages which set out her claim as follows:
(a) NEL 30% $123,000.00
(b) Treatment expenses $9,297.50
(c) Future treatment expenses $30,000.00
(d) Past wage loss 2 years at $770 nett per week $80,080.00
(e) Past loss of superannuation $8,808.00
(f) Future wage loss $191,675.00
(g) Future loss of superannuation $27,275.00
(h) Past domestic assistance 7 hpw, for 2 years at $25 per hour $18,200.00
(i) Future domestic assistance 6 hpw, $40 per hour for 59 years 240 x 1009.3 $242,232.00
Total $607,690.50