In a serious injury application under s 93 of the Transport Accident Act 1986 (Vic), where a judge finds that an applicant suffered frank physical injuries producing ongoing pain that only existed after the accident, the judge must separately consider whether that pain alone satisfies the 'at least very considerable' test, even where adverse credit findings prevent acceptance of the applicant's evidence about other consequences. Reasons must clearly distinguish between findings of fact and recitation of evidence, and must explain why accepted consequences do or do not meet the threshold.
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