In 2004, a van ploughed into Troy Smith’s car on the Great Western Highway at Mt Druitt. His son, Layton, then 2, was in the back seat. In 2014 the Supreme Court ruled the van’s driver suffered a heart attack and was not responsible. Without fault, the driver’s compulsory third party (CTP) insurer, NRMA, did not have to compensate Layton.

The law has since been changed so CTP covers such crashes.

Source: The Daily Telegraph