The 'very considerable' test under Humphries v Poljak requires assessment of individual consequences followed by consideration of those consequences in combination; assessing each consequence individually before combining them is not the erroneous 'formulaic approach' identified in Sutton v Laminex Group Pty Ltd. Psychiatric symptoms that are a response to the traumatic circumstances of a collision (rather than a response to the physical injury itself) are primary consequences falling under paragraph (c) of the definition of 'serious injury', not secondary consequences under paragraph (a) within the Richards v Wylie principle. Claims of pecuniary disadvantage from loss of career opportunity may be rejected as speculative where the medical evidence is modest, treatment has been minimal over an extended period, and the applicant has demonstrated significant functional capacity.
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