Rose v Insurance Australia Limited trading as NRMA Insurance [2025] NSWSC 134

Supreme Court New South Wales

Medium Neutral Citation: Rose v Insurance Australia Limited trading as NRMA Insurance [2025] NSWSC 134 Hearing dates: 19 February 2025 Date of orders: 4 March 2025 Decision date: 04 March 2025 Jurisdiction: Common Law Before: Schmidt AJ Decision: (1) The Panel's certificate be set aside. (2) The matter be remitted to the President of the Personal Injury Commission to be dealt with according to law. (3) Unless the parties approach to be heard within 14 days with short written submissions, the insurer is to bear Mr Rose's costs, as agreed or assessed. Catchwords: ADMINISTRATIVE LAW – decision of medical assessment review panel under Motor Accidents Compensation Act – whether panel complied with requirements of the Motor Accident Compensation Act and the Motor Accident Permanent Impairment Guidelines – where panel assessed employability rather than adaptation – procedural fairness – whether medical assessors failed to draw attention to a critical issue or factor on which the panel's decision turned – practical injustice – whether panel failed to expose its actual path of reasoning – medical assessment certificate set aside – matter remitted to President of Personal Injury Commission Legislation Cited: Motor Accident Compensation Act 1999 (NSW) Motor Accident Permanent Impairment Guidelines Cases Cited: Insurance Australia Group Ltd t/as NRMA Insurance v Keen [2021] NSWCA 287 Wingfoot Australia Partners Pty Ltd v Kocak (2013) 252 CLR 480; [2013] HCA 43 Re Minister for Immigration and Multicultural and Indigenous Affairs; Ex parte Lam (2003) 214 CLR 1; [2003] HCA Frost v Kourouche [2014] NSWCA 39 Kioa v West (1985) 159 CLR 550 Minister for Immigration and Citizenship v SZGUR (2011) 241 CLR 594; [2011] HCA 1 Allianz Australia Insurance Ltd v Cervantes [2012] NSWCA 244 SZBEL v Minister for Immigration and Multicultural and Indigenous Affairs (2006) 228 CLR 152; [2006] HCA 63 Minister for Immigration v SZGUR (2011) 241 CLR 594; [2011] HCA 1 AAI Limited trading as GIO v Amos [2024] NSWCA 65 Ali v AAI Limited [2016] NSWCA 110 Minister for Immigration and Ethnic Affairs v Wu Shan Liang (1996) 185 CLR 259 at 272; [1996] HCA 6 Bojko v Icm Property Service Pty Ltd & Ors [2009] NSWCA 175 Campbelltown City Counsel v Vegan (2006) NSWLR 372; [2006] NSWCA 284 Minister for Immigration and Ethnic Affairs v Wu Shan Liang (1996) 185 CLR 259; [1996] HCA 6 Sadsad v NRMA Insurance Ltd [2014] NSWSC 1216 AAI Ltd t/as AAMI v Chan [2021] NSWCA 19 Boyce v Allianz Australia Insurance Ltd [2018] NSWCA 22 Category: Principal judgment Parties: Ethan James Rose (Plaintiff)