Consultant Psychiatrist Dr Bruce Westmore interviewed Ms Singh … on behalf of the Claimant's solicitors… [and] 'her affect was agitated, anxious and at times very tearful. Her mood state was persistently and pervasively depressed. Her thought content demonstrated paranoid themes.' He diagnosed a Major Depression with Psychotic Features. He attributed this largely to the breakdown of Ms Singh's marriage. However, it may be that 'she was significantly distracted before her husband left.' She had not received definitive psychiatric treatment and obviously needed such."
11 Finally, Dr McClure concluded that "the history of physical symptoms and the significance (or otherwise) of the subject accident does appear to have changed over time. From a psychiatric perspective, however, it seems fairly clear that Ms Singh has had a significant Major Depression with Psychotic Features since about late 2005/early 2006. Prior to that it seems that her symptoms could best be described as a 'reactive' type of depression."
12 Lastly, in relation to Dr McClure's Reasons, the following, which was one of the bases of appeal, was said:
"This Claimant has a Major Depressive Episode with psychotic features which has not been adequately treated. The relevant research literature suggests that depressive episodes with these kinds of stereotypic vegetative/biological features are largely genetic in aetiology. Ms Singh, in short, has a constitutional disorder, albeit this may initially have been triggered by the breakdown of her marriage. The marital breakdown, in turn, occurred almost four years after the subject accident and cannot be directly linked to it, in my view. This is also suggested by the Claimant's own self-described improvement in her psychological condition during latter 2004, as expressed in her earlier Statutory Declaration dated '22 December 2004.' The initial precipitant of Ms Singh's psychotic depression occurred at least two years ago. It is likely that this depressive episode is now following an autonomous constitutionally-determined course. It is biological in nature."
13 The reference to the assessment of Dr Kossoff is to the Reasons of Dr Kossoff of 3 July 2006. In that assessment, Dr Kossoff determined psychological injury was caused by the motor accident. Dr Kossoff said:
"Following the motor vehicle accident and before her husband left her, Ms Singh developed a clinically significant depressed mood, passive suicidal ideation, loss of interest in activities and preoccupation with her pain. This was likely due to the onset of a Major Depression which continues to be the current diagnosis. After her husband left, which Ms Singh said devastated her, the Major Depression considerably deteriorated and she is now suffering from a severe Major Depression with melancholia and mood-congruent psychotic features. She has previously made a suicide attempt and requires assertive treatment for the condition. I have sought consent from the Motor Accident Authority to send a letter to Dr Hoogerbrug, Ms Singh's general practitioner, recommending that urgent treatment be commenced when she returns to New Zealand in two days' time."
Because the psychological condition had not stabilised, Dr Kossoff did not (and, in her opinion, could not) assess the Degree of Permanent Impairment and/or WPI.
14 As is clear from the foregoing, there was a significant amount of psychiatric opinion and assessment before Dr McClure, on the basis of which he assessed Ms Singh.
The Review
15 Allianz lodged a reply, dated 16 May 2008, to the application for Review and further material, not before Dr McClure, namely, a report of Dr Hoogerbrug of 3 March 2005. Further reliance was placed by Allianz on material that was before Dr McClure. Dr McClure had, before him, reports of Dr Hoogerbrug, later in time than the further report lodged by Allianz at the Review. Dr Hoogerbrug was Ms Singh's general practitioner.
16 The Review Panel comprised Dr Anthony Samuels (Chair), Dr Robert Lewin and Professor Lorraine Dennerstein, each of whom, like Dr McClure, is a psychiatrist. The Review Panel revoked the assessment of Dr McClure and issued a new certificate of assessment under s 63(4) of the Act, namely, to the effect that the WPI was greater than 10%, being the effect of an injury caused by the motor vehicle accident. The certified injury was "Major Depression with Psychotic Features".
17 The Review Panel issued a Statement of Reasons dated 9 July 2008. The Reasons of the Review Panel detail the disputes identified by the parties as:
"The panel considered the matters cited in the Application for Review and noted that the following aspects of the assessment were disputed:
* The degree of whole person impairment
* Whether the injuries are stabilised