The relevant period of delay for a late claim under s 73 of the Motor Accidents Compensation Act 1999 (NSW) runs from the expiry of the six-month claim period to when the claim is first made, not to the date of the hearing. Misleading or inadequate communications from an insurer about the requirement to lodge a Personal Injury Claim Form, combined with a claimant's lack of understanding of the significance of lodging the form, can constitute a full and satisfactory explanation for delay.
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