Andrew’s story:
Securing a $945,000 settlement after a life-changing bicycle accident

Since this story was written, Andrew has sadly passed away. His voice was a call for justice, and his story now stands as a powerful case for urgent reform to better support others in similar circumstances. We extend our sincere thanks to his family for allowing us to share his experience in the hope it drives meaningful change.

Andrew’s story

In April 2020, a bicycle accident dramatically altered our client Andrew’s life. At 59, he was a successful managing director of a company that supplied scientific equipment, actively travelled, and led a vibrant, healthy lifestyle. However, the accident set in motion a series of devastating health complications.

One Saturday in April, while cycling with his wife, Andrew was struck at an intersection by a Toyota Corolla that failed to give way.

Andrew recalls: “The car hit me directly on my left side and I landed on his bonnet. The car drove about 3 to 4m before slamming on his brakes which then caused me and my bike to be thrown onto the road.”

The accident had devastating consequences beyond those that were immediately apparent.

“The accident in 2020 created a whole domino effect on my health that has impacted my family and me beyond what I thought was imaginable.”

The immediate aftermath

Initially, the injuries appeared manageable. After being examined at the hospital, Andrew was told he had no broken bones. However, following a visit to his GP and additional X-rays and ultrasounds, it was discovered that he had a tear in his shoulder that required surgical intervention.

This would be just the first in a series of severe health complications stemming from the collision.

Andrew underwent the required shoulder surgery in May 2020, one month after the accident. This surgery triggered unexpected complications.

“Immediately after the shoulder surgery, while I was still in recovery, my blood oxygen levels would not reach normal levels,” Andrew explains. This led to an ambulance transfer and a four-day hospital admission.

He was then diagnosed with the development of Non-Specific Interstitial Pneumonitis (NSIP), which requires ongoing daily medication management.

“I had absolutely no symptoms of NSIP before the accident and surgery. The NSIP symptoms manifested immediately after the surgery.”

“My life has been permanently changed for the worse due to what I have inherited as a result of the accident.”

A medical descent

In the years following the accident, Andrew’s health continued to deteriorate.

“Before the accident, I was travelling the world on vacation and business, walking many kilometres a day at trade shows and sightseeing. I was quite active… Then it all changed.”

After undergoing shoulder surgery, Andrew continued to experience complications with his blood oxygen levels. By January 2023, a cardiologist diagnosed him with severe pulmonary hypertension.

By October 2023, his health had significantly worsened due to the accident, and he received a devastating prognosis: without a double lung transplant, he had only 2 to 3 years to live.

As of December 2024, Andrew is still waiting for a lung transplant.

The legal challenges

The path to justice was hindered and made more complex by the insurer, who delayed proceedings and contested findings from the Personal Injury Commission.

Rita Furfaro, a Partner at GMP Law and Andrew’s case representative, describes the complexity of the case: “The initial medical assessment in 2020 showed Andrew had a combined whole-person impairment of 47% – well above the 11% threshold required to be entitled to compensation for pain and suffering in Motor Vehicle Accident claims. However, the insurer immediately challenged the lung impairment assessment, which made up 44% of the combined 47% impairment.”

The insurer applied to review the 44% lung impairment certificate, leading to multiple submissions and reassessments of an already very fragile claimant.

Rita highlights the legal battle: “We couldn’t simply proceed to a settlement because the insurer kept introducing new complications. When we finally got the Personal Injury Commission to expedite the assessment, they still refused to acknowledge the severity of Andrew’s condition.”

The insurer requested an expert accounting report at the eleventh hour, a tactic designed to further delay proceedings. Only after a Personal Injury Commission teleconference in 2024 did meaningful negotiations begin.

For Andrew, this meant that while his health continued to decline severely, he was forced to wait over four years for his claim to progress.

Professional and personal devastation

Prior to the accident, Andrew was actively managing his business and travelling internationally. “I was off work from the date of the accident and have not returned,” he states. By February 2021, he transferred ownership of his business to his son.

The impact on his daily life has been profound.

Today, Andrew’s mobility is brutally restricted. “I can walk maybe 70-100m before stopping to catch my breath. As such, I now have a mobility scooter to get around if I have to walk more than 200m. I have two portable oxygen concentrators.”

“Had the accident not occurred, I would still be fit and able to undertake all the recreational activities I did before the accident as well as lead a normal, healthy life.”

Our strategy

GMP Law, led by Rita, approached Andrew’s case with meticulous attention to detail.

The legal journey was complex, requiring relentless persistence:

  • Numerous submissions were made to expedite the process and advocate for the client’s declining health
  • Strategic negotiations, including offers and invitations to Informal Settlement Conference (ISC) discussions, also played a crucial role.

The outcome

After years of persistent legal advocacy and medical documentation, GMP Law secured a $945,000 settlement, a recognition of the profound impact of Andrew’s injuries.

A plea for change

Andrew’s motivation to share his story goes beyond seeking personal compensation. He wanted to help others who may find themselves in a similar situation.

“What happened isn’t fair. It isn’t just. It highlights how broken the system is,” he said.

His wife, Stephanie, adds: “If you’re not financially secure, through no fault of your own, how are you supposed to feed your family while waiting for an insurance settlement?”

Key takeaways

  1. Insurers often employ deliberate delaying tactics
  2. Complex medical cases require relentless legal advocacy
  3. The impact of an accident can extend far beyond immediate physical injuries
  4. The human cost of bureaucratic processes can be immeasurable.

Andrew’s story is a stark reminder that behind every legal case is a human being fighting for dignity and recognition.

Contact GMP

This case demonstrates GMP Law’s ability to navigate complex cases with difficult defendants or insurers, consistently advocating for our clients and securing fair outcomes, even in the most challenging circumstances.

If you believe you have a car or bicycle accident claim, reach out to GMP Law. Our team of lawyers will help you maximise your claim in the minimal time possible.

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Class Actions
At GMP Law, we have extensive experience in class action lawsuits, amplifying the voices of individuals who have experienced similar harms or losses.
About Us
Gerard Malouf & Partners have provided friendly, experienced legal advice to communities across Australia for over 35 years. Our Personal Injury Lawyers have taken on ten’s of thousands of cases and we are proud to have won billions of dollars for our clients.
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Meet the diverse and dynamic team of compensation lawyers and supporting staff that have made this all happen below. Our multi-lingual team can discuss your claims in Arabic, Assyrian, Turkish, Greek, Italian, French, Serbian, Croatian, Armenian, Mandarin, Hindi, Punjabi or Malayalam.
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Meet the diverse and dynamic team of compensation lawyers and supporting staff that have made this all happen below. Our multi-lingual team can discuss your claims in Arabic, Assyrian, Turkish, Greek, Italian, French, Serbian, Croatian, Armenian, Mandarin, Hindi, Punjabi or Malayalam.

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