Can I claim for psychological injuries alone?

Quick answer

Yes, it is possible to make a public liability claim for psychological injuries alone.

You may have a claim if:

  • You’re injured because of someone else’s negligence and develop a psychological injury as a result.
  • A close relative dies due to someone else’s negligence and you develop a psychological injury as an emotional response.
  • You directly witness an accident and this causes you to develop a psychological injury.

Your exact entitlements depend on the severity of your injuries, the extent of the negligence, and the state you live in.

If you’re suffering a psychological injury because of someone else’s negligence, we strongly suggest getting advice from a specialist lawyer.

In depth answer

Don’t be put off by the word ‘public’ — accidents that occur in both public and private spaces are covered by public liability law. If you were injured because of someone else’s negligence, you may have a public liability claim.

While most claims relate to physical injuries, it’s also possible to make a claim for ‘pure psychological injury’. This type of claim is also called ‘emotional distress’ or ‘nervous shock’.

What psychological injuries can I claim for?

The laws are different in every state, but you can generally make a claim if someone else’s negligence causes you to develop a recognised psychiatric injury.

Your symptoms and diagnosis can include (but are not limited to):

  • Anxiety.
  • Depression (Major Depression Disorder).
  • Post-Traumatic Stress Disorder (PTSD).
  • Adjustment Disorder.
  • Insomnia.

What you can claim

There are several types of compensation you may be able to claim: ‘economic losses’, ‘non-economic losses’, essential medical treatment and equipment, and the cost of ongoing care and assistance.

Economic loss

  • Lost income (past and future).
  • Lost superannuation (past and future).

Non-economic loss (general damages)

Non-economic loss compensates you for the negative impact of the injury on your life. This includes:

  • Pain and suffering.
  • Loss of enjoyment of life.
  • Loss of opportunity.

Medical treatment and equipment

  • Medical treatment (past and future).
  • Travel between your home and medical appointments.
  • Vehicle and home modifications.

Care and assistance

  • Professional care or unpaid care from a loved one. This also includes if you’ve lost the capacity to care for someone who depends on you.

After an accident, you’re generally eligible to claim compensation for medical treatment and equipment. If your condition has left you unable to work, you may also receive compensation to cover your lost income and super.

However, to receive compensation for non-economic loss, care and assistance, you must meet the specific criteria in your state.

Below, you’ll find out state-by-state guide to making a public liability claim for psychological injury.

Different laws apply in different states. Please choose your state below so we can show you the most relevant content.

In NSW, you can make a public liability claim for psychological injury if:

  • You’re injured in an accident and subsequently develop a recognised psychiatric illness or
  • A close family member dies in an accident and you develop a recognised psychiatric illness as an emotional response or
  • You directly witness an accident and this causes you to develop a psychiatric illness and
  • The accident was caused by a someone else’s negligence.

Proving negligence

To prove that negligence, you will need to establish three criteria:

  1. That a duty of care exists: The other party must have owed you a ‘duty of care’. This particularly applies to people who own or occupy a business or property, but most people have a general duty of care to protect the wellbeing of others.
  2. The other party breached their duty of care: Their conduct needs to have fallen below an acceptable standard, meaning they acted carelessly or failed to take the precautions any reasonable person would have taken.
  3. Their negligence caused your injury: You must show that the other party’s action (or inaction) caused you to develop a recognised psychiatric injury.

Types of compensation you can claim

 The types of compensation you can claim depend how severely you’re injured. A court-appointed psychiatrist carries out this assessment by comparing your injuries to the ‘Most Extreme Case’ (MEC). They then allocate your injuries a percentage of the MEC.

The Most Extreme Case (100% of the MEC) is generally considered to include paraplegia, quadriplegia, brain damage, and other catastrophic injuries.

For an MEC of 15% or more, you may be able to claim:

  • Medical treatment and equipment.
  • Economic loss (if you’re unable to work).
  • Non-economic loss.
  • Care and assistance.

If your MEC is under 15%, you’re not eligible to claim for non-economic loss. Your compensation is limited to medical treatment and equipment, as well as economic loss (if your injury prevents you from working).

Determining your non-economic loss compensation

In NSW, the maximum compensation for non-economic loss is currently $722,000. This amount was set on 1 October 2023 and will increase every year with inflation. Your exact compensation is calculated by comparing your injuries to the Most Extreme Case.

Below are some examples of what you may be entitled to based on your MEC:

Percentage of MECPercentage of the maximum compensation you will receive
15%1%
16 – 20%1.5 – 3.5%
21 – 30%4 – 23%
21 – 33%4 – 33%
34 – 100%34 – 100%

For more detail on MEC percentages and compensation, head to Section 16 of the Act.

In Queensland, you may have a public liability claim for psychological injury if:

  • You’re injured in an accident and develop a recognised psychiatric illness as a result or
  • A close relative dies in an accident and you develop a recognised psychiatric illness as an emotional response or
  • You directly witness an accident and this causes you to develop a recognised psychiatric illness and
  • The psychiatric illness was caused by someone else’s negligence and
  • Your Injury Scale Value is at least 1.

Proving medical negligence

To prove negligence, you need to meet three criteria:

  1. That a duty of care exists: The other party must owe you a ‘duty of care’. While most people have a general duty to consider the safety of others, this duty is especially relevant for business and property owners and occupiers.
  2. The medical professional breached their duty of care: Their conduct must have fallen below an acceptable standard. This means the other party acted recklessly or failed to take reasonable precautions that another person would have taken.
  3. Their negligence cause your injury: You need to demonstrate a direct link between your psychiatric condition and the action (or inaction) of the other party.

Injury Scale Value (ISV) assessments

Your Injury Scale Value is a measure of the severity of your injuries. This assessment is performed by a registered psychiatrist, who will look at several factors in determining your ISV. This includes:

  • The Psychiatric Impairment Rating Scale (PIRS).
  • Age and life expectancy.
  • Whether you have ‘reduced insight’ e.g. if you are aware of any abnormal behaviour.
  • Pain and suffering.
  • Loss of amenities of life.
  • The likelihood that you would have experienced these difficulties regardless of the accident.

Understanding the PIRS

The Psychiatric Impairment Rating Scale (PIRS) is one of the main tools a psychiatrist uses to determine your Injury Scale Value. PIRS breaks down psychological injuries into six key areas of ‘impact’:

  1. Self-care and personal hygiene: whether you’re capable of performing everyday activities without a support person, such as bathing yourself and cooking.
  2. Social and recreational activities: if you can visit recreational venues like cinemas and restaurants without assistance. They will also take into account any social activities and club memberships.
  3. Travel: whether you can travel to new environments without help.
  4. Social functioning: your ability to form new relationships and sustain your existing ones.
  5. Concentration, persistence and pace: the length of your attention span and whether it impacts your capacity to carry out essential tasks and hold conversations.
  6. Adaptation: also known as ‘deterioration’, this is your ability to attend work regularly and perform required tasks without extensive supervision.

For each category, the psychiatrist will give you a rating between one and five. A rating of one means you’re experiencing no impairment, while five signals extreme impairment.

You can read more on the PIRS and its use in psychological injury claims, see Schedule 5 of the Act

Determining your ISV

The court will use your PIRS ratings (coupled with the other factors above) to assign you an ISV between 0 and 100. The lower your ISV, the less severe your injuries:

  • 0 – 1 ISV: minor mental disorder with a PIRS rating of 1 – 3%.
  • 2 – 10 ISV: moderate mental disorder with a PIRS rating of 4 – 10%.
  • 11 – 40 ISV: serious mental disorder with a PIRS rating of 11 – 30%.
  • 41 – 65 ISV: extreme mental disorder with a PIRS rating of 31 – 100%.

Calculating your general damages

Your ISV determines your compensation for general damages, as well as care and assistance. The exact amount is calculated by adding your base and variable compensation amounts. Both of these amounts are determined by your ISV and increase every year with inflation.

For example, if you were injured after 1 July 2023 and have an ISV of 15, you would be entitled to:

  • $19,300 (base amount) +
  • (ISV – 10) x $2,440 (variable amount).

In this case, your variable compensation is (15 – 10) x $2,440 = $12,200. That means you may receive up to $31,500 in total compensation.

How we can help you

Our public liability lawyers have extensive experience handling psychological injury claims. Over the last 24 years, we’ve developed strategies to ensure your injuries are accurately assessed and you meet your state’s specific negligence criteria. We also have a network of medical and liability experts who provide independent evidence to bolster your case.

Speak to us today for free, comprehensive legal advice. Find out where you stand and how to get the maximum compensation for your injuries.

 

Get free claim advice

We offer a free consultation to assess your case, explain your options, and answer your questions. It's fast, confidential, and obligation-free.