Youssef v Insurance Australia Limited t/as NRMA Insurance [2026] NSWPICMP 110 | Case summary

For the reasons set out above, the Panel makes the following findings.
The Panel is satisfied that, as a result of the motor accident of 17 May 2020, the claimant sustained physical injuries to the lumbar spine, right shoulder, right knee, and right ankle.
The Panel is not satisfied that the claimant sustained a cervical spine injury as a result of the motor accident.
In relation to the lumbar spine, the Panel accepts that the motor accident caused disc pathology at L5/S1. Although radiculopathy was previously identified for threshold purposes, the Panel is not satisfied that objective radiculopathy persists at the time of the present assessment. The lumbar spine is therefore appropriately classified as DRE Category I, resulting in 0% WPI.
In relation to the right shoulder, the Panel is satisfied that the motor accident caused an injury resulting in ongoing pathology demonstrated on imaging. Because reliable range-of-motion assessment could not be undertaken, the Panel has assessed impairment by analogy under the AMA 4 Guides. By reference to mild synovial involvement of the glenohumeral joint, the Panel assesses the right shoulder at 4% WPI.

Youssef v Insurance Australia Limited t/as NRMA Insurance [2026] NSWPICMP 110;