Lead Opinion
delivered the opinion for the Court.
This appeal presents the question whether the verbal threshold provision in the Automobile Insurance Cost Reduction Act of 1998 (AICRA), N.J.S.A. 39:6A-1.1 to -35, which acts as a limitation on an insured’s ability to sue an errant operator of a motor vehicle, can apply to bar an insured from maintaining a claim for negligent infliction of emotional distress pursuant to the liability theory announced by this Court in Portee v. Jaffee, 84 N.J. 88,
Plaintiffs complaint alleged a Poriee-based negligent-infliction-of-emotional-distress claim arising from an automobile accident caused by defendants that resulted in plaintiff suffering severe emotional distress after witnessing her mother, a passenger in plaintiffs vehicle, sustain fatal injuries at the accident scene. Both the trial court and the Appellate Division concluded that AICRA’s verbal threshold applied to plaintiff’s Portee claim and dismissed that cause of action based on plaintiff’s failure to comply with the statute’s requirements. Jablonowska v. Suther, 390 N.J.Super. 395, 398,
Since its inception, the Portee claim always has transcended the need to prove permanent physical injury. Despite that background, the Legislature provided no indication through the verbal threshold’s plain language or its legislative history demonstrating an intent suddenly to superimpose the threshold’s permanent bodily injury requirement on Portee claims involving the happenstance use of a motor vehicle. Absent that clear expression, we hold that the unique, derivative Portee claim is independent of AICRA’s verbal threshold. Therefore, plaintiff’s Portee claim should not have been dismissed for non-compliance with AICRA’s requirements for suit.
I.
On October 14, 2000, Halina Jablonowska was driving to Wall-ington to visit her children and her eleven-month-old granddaughter. Jablonowska’s mother, Jadwiga Baczewska, was accompanying her. While proceeding northbound on a stretch of Route 21 in Newark, Jablonowska’s Honda
As a result of the crash, Jablonowska temporarily lost consciousness. As she regained awareness, she initially noticed pain in her head, leg, and chest. She then heard her mother moaning and crying out for help. By the time Jablonowska could turn herself toward the passenger seat to be able to see her mother, she saw Baczewska’s head slumped forward. Baczewska was not moving. The distraught Jablonowska suspected that her mother had suffered serious injuries. Fearful of worsening her mother’s grave condition by attempting to examine her, Jablonowska exited her car to obtain assistance.
Jablonowska “was in shock,” and “trembling all over” as she answered questions about the accident posed by a responding officer. She and her mother were transported by ambulance to a nearby hospital. At the hospital, Jablonowska was treated and discharged. Baczewska, on the other hand, was not so fortunate. She had sustained fractures to her back, neck, and ribs. Worse, the force of the collision had partially severed her aorta, causing it to bleed directly into the thoracic cavity. She was pronounced dead on her arrival at the hospital, and a medical examination revealed that she had died within minutes of the accident from exsanguination caused by the transected thoracic aorta.
As a result of having witnessed her mother sustain severe personal injuries that resulted in death, Jablonowska instituted this action for emotional distress.
[a] variety of phobias, including fear of driving, a fear of being a passenger in a car, a fear of being in a closed room, sleep disturbance, intensive recollections of the motor vehicle accident while awake, flashbacks of the motor vehicle accident and a variety of other symptoms relating to re-experiencing ... the traumatic event. [Jablonowska] was not able to see any pictures of her mother for one year after that car accident. [She] also painfully tried to avoid the accident site. She avoids thoughts and feelings concerning the accident, she can’t participate in any family events like Christmas or Easter_She also lost her interest in socializing. She felt detached from others and unable to have loving feelings. The accident has affected her sexual and personal life, giving [her] a sense of vulnerability and insecurity.
During the treatment, [Jablonowska] was disciplined, cooperative, [and] highly motivated, but also depressed, felt isolated from others, and suicidal. Sheblamed herself for her mother’s death and she felt guilty for being alive.
The psychotherapist diagnosed Jablonowska with chronic Post-Traumatic Stress Disorder (“PTSD”) and Major Depressive Disorder. She prescribed psychotropic medication, but opined that Jablonowska’s prognosis was “unfavorable” and that “[t]he ef-feet[s] of [the] psychological injuries on [Jablonowska’s] life are self-evident and permanent.”
Jablonowska consulted a psychiatrist in the fall of 2003 when her symptoms persisted. Dr. David Brozyna also diagnosed Jab-lonowska with PTSD arising from “the accident of October 14, 2000 and ... witnessing] her mother die in that accident.” He opined that Jablonowska’s prognosis was “guarded at best,” and that she likely would require “a long course of medication and supportive psychotherapy.” Jablonowska continues treatment with Dr. Brozyna and takes daily doses of psychotropic medications to combat her maladies.
As noted, Jablonowska’s negligent-inflietion-of-emotional-dis-tress claim was fashioned after the cause of action recognized in Portee v. Jaffee, 84 N.J. 88,
The trial court found that the verbal threshold applied and dismissed the emotional-distress claim based on Jablonowska’s failure to satisfy the physician-certification requirement and her failure to produce objective evidence of permanent bodily injury. See ibid. On April 2, 2004, the court entered an Order memorializing that decision. Thereafter, the court denied a motion for reconsideration and scheduled trial for March 7,2005.
Because defendants conceded liability, the three-day trial conducted in this matter was limited to the issue of damages for the wrongful death and survivorship claims. The jury entered a verdict awarding $205,018 for the wrongful death claim and $350,000 for the survivorship claims. The court denied defendants’ motion for a new trial and entered judgment on the verdict.
Defendants appealed and Jablonowska cross-appealed. Defendants argued that Jablonowska failed to present sufficient evidence to support the wrongful death claim; that the trial court erred when charging the jury; that the damages award was excessive; and that plaintiffs counsel’s misconduct warranted a new trial. Jablonowska, supra, 390 N.J.Super. at 402,
We granted Jablonowska’s petition for certification seeking review of the Appellate Division judgment that held that her Portee claim was subject to AICRA’s verbal threshold, and that dismissed her claim for failure to comply with the threshold’s requirements.
II.
The parties’ arguments on the fundamental issue in this matter stand in stark opposition to one another.
Jablonowska contends that a fair reading of the plain language of AICRA’s
Defendants respond that the verbal threshold bars all psychological claims for emotional distress except those where the plaintiff can demonstrate some bodily injury, the nature and severity of which satisfies the threshold’s requirements. According to defendants, AICRA must exempt expressly a Portee claim in order for such a claim to be advanced by someone who, like Jablonowska, selected the limitation-on-lawsuit option when insuring her own vehicle. Defendants argue that Jablonowska’s decision to elect the verbal threshold and obtain the benefits associated with that election preclude her from filing suit against another driver for any injuries arising from a motor vehicle accident, including a Portee claim, when her injuries do not satisfy the threshold’s bodily injury requirement.
In light of the parties’ arguments, we begin our analysis with an examination of the Poriee-based cause of action for negligent infliction of emotional distress on which Jablonowska bases her claim for recovery.
III.
The tort of negligent infliction of emotional distress developed in this state in much the same manner as it developed elsewhere. See W. Page Keeton, et al., Prosser and Keeton on the Law of Torts § 54, at 361-62 (W. Page Keeton ed., 5th ed.1984) (discussing development of tort claim for mental injury absent physical impact in various states); David W. Robertson, et al., Cases and Materials on Torts 235 (3d ed.2004) (recognizing that development of tort liability for emotional injuries in most states follows “a typical pattern”). Foreseeability was initially, and has remained, the touchstone for liability for negligently causing emotional injury to another. As the common law in this state has widened the net of circumstances in which emotional injury is deemed a foreseeable consequence of negligent conduct, the breadth of that liability has evolved.
In its earliest stages, a plaintiff could recover for emotional anguish arising from a defendant’s negligent conduct only when some physical impact on the plaintiff accompanied the emotional harm. See Ward v. W. Jersey & Seashore R.R. Co., 65 N.J.L. 383, 384, 47 A. 561 (Sup.Ct.1900) (holding that plaintiff could not recover where “mere fright” is either unaccompanied by physical impact, or physical impact is experienced after occurrence of fright that caused emotional anguish); see also Tuttle v. Atl. City R.R. Co., 66 N.J.L. 327, 331, 49 A. 450 (E. & A.1901); Lambertson v. Consol. Traction Co., 60 N.J.L. 457, 458, 38 A 684 (E. & A. 1897). Underlying the
Although the physical-impact requirement remained part of this state’s emotional distress common law well into the twentieth century, see, e.g., Greenberg v. Stanley, 51 N.J.Super. 90, 105,
In 1965, the physical-impact requirement was jettisoned explicitly. In Falzone v. Busch, 45 N.J. 559, 569,
The final evolution of the tort of negligent infliction of emotional distress in New Jersey occurred in Portee. In limited circumstances, a plaintiff’s emotional injury is considered a foreseeable result of a defendant’s negligent conduct even when that emotional injury does not arise necessarily from presence within the zone of physical danger created by the defendant’s conduct. See Portee, supra, 84 N.J. at 97-98, 101,
Generally, then, an individual can maintain an independent tort action for negligent infliction of emotional distress in two instances. A plaintiff can demonstrate that the defendant’s negligent conduct placed the plaintiff in reasonable fear of immediate personal injury, which gave rise to emotional distress that resulted in a substantial bodily injury or sickness. See Falzone, supra, 45 N.J. at 569,
rv.
A
The limitation on lawsuit option in AICRA provides, in pertinent part,
Every owner, registrant, operator or occupant of an automobile to which [PIP coverage or medical expense coverage] regardless of fault, applies, ... is hereby exempted from tort liability for noneconomic loss to a person who is subject to this subsection and who is either a person who is required to maintain [PIP] coverage ... medical expense benefits ... or is a person who has a right to receive benefits under [N.J.S.A. 39:6A-4 or -3.1], as a result of bodily injury, arising out of the ownership, operation, maintenance or use of such automobile in this State unless that person has sustained a bodily injury which results in death; dismemberment, significant disfigurement or significant scarring; displaced fractures; loss of a fetus; or a permanent injury within a reasonable degree of medical probability, other than scarring or disfigurement. An injury shall be considered permanent when the body part or organ, or both, has not healed to function normally and will not heal to function normally with further medical treatment.
[N.J.S.A. 39:6A-8(a) (1998) (amended 2003).]
In construing that language to answer the question before us, we are guided by well-established principles of interpretation. First, we look to the language employed by the Legislature to understand the intended effect of this provision, see State v. Crawley, 187 N.J. 440, 452,
B.
Applying those basic principles of construction to AICRA’s verbal threshold, we consider first the plain language. The provision’s wording exempts a tortfeasor from “tort liability for noneco-nomic loss to a person who is subject to this subsection,” unless the threshold’s bodily injury requirements are met. N.J.S.A. 39:6A-8(a) (1998) (amended 2003). Although defendants contend that that language clearly makes the threshold applicable to Jablonowska’s Portee claim, the statute’s wording is susceptible of other applications, rendering it far less clear than defendants posit.
The proscription against suit operates as a barrier to recovery that a threshold selector, who also happens to be “that person” who suffered a bodily injury from the use of an automobile, must overcome to maintain a cause of action. Ibid. In this case, the only person who suffered the type of direct, permanent bodily injury- from the automobile accident sufficient to vault the threshold was Jablonowska’s mother. See ibid, (stating that bodily injury that results in death satisfies threshold’s permanent bodily injury requirement). However, no party in this action has suggested that Baczewska had to satisfy the verbal threshold. Nonetheless, the appellate panel below reasoned that because Jablo-nowska’s mother suffered physical injuries leading to death as a result of the motor vehicle accident, Jablonowska’s Portee claim must perforce also be subject to the threshold. Jablonowska, supra, 390 N.J.Super. at 404-05,
It is far from clear from the face of the verbal-threshold statute that the Legislature intended to subject Portee claims, as a class, to the threshold’s bodily injury requirement. In analyzing the verbal threshold’s intended applicability in these circumstances, it is compelling that the requirements for stating a prima facie Portee claim are specially tailored to address the particular form of emotional harm that it seeks to redress. Unlike emotional distress tied to the possibility of personal harm to the plaintiff, a Portee claim is not dependent on the aggrieved person’s presence within the zone of danger created by the defendant’s negligent
As noted earlier, a plaintiff can maintain a negligent-infliction-of-emotional-distress cause of action where: (1) the plaintiff suffers “substantial bodily injury or sickness” arising from the plaintiffs location within the “zone of risk” created by the defendant’s negligent conduct as recognized in Falzone-, or (2) the plaintiff has a sensory, contemporaneous perception of a severe injury to a spouse or close family member caused by the defendant’s negligent conduct that results in the plaintiff suffering severe emotional distress as recognized in Portee. Under certain factual circumstances, a plaintiff can seek in the alternative to recover for negligent infliction of emotional distress under both a Falzone-based liability theory and a Poriee-based liability theory. See, e.g., Dunphy, supra, 136 N.J. at 102, 115,
We are acutely aware of the unique, derivative nature of the Portee claim as we approach the statutory interpretation question before See Wolfe v. State Farm Ins. Co., 224 N.J.Super. 348, 351-54,
Despite having imputed knowledge of Portee for approximately eighteen years, the Legislature provided no indication that AI-CRA’s verbal threshold was meant to superimpose the permanent bodily injury requirement on Portee claims that happen to involve the use of a motor vehicle. New Jersey statutes are replete with examples where the Legislature has signaled its intent to incorporate into a statute specific provisions for unique common law standards applicable to a recognized cause of action.
As aptly noted by amicus New Jersey State Bar Association in this matter, if the Legislature intended to subject Portee claims to the verbal threshold, it could have included a relevant category of injuries for such claims among the types of injuries for which a threshold selector can file suit under the statute. Cf. N.J.S.A. 39:6A-8(a) (1998) (amended 2003) (setting forth types of injury that vault threshold). Rather, by not including any relevant reference to the derivative and unique type of emotional injury compensated for by the liability theory announced in Portee, the Legislature’s language creates ambiguity as to whether such claims ever were intended to be dovetailed into an unfamiliar and superfluous bodily injury assessment for verbal threshold purposes.
C.
A Portee claim under our common law has always transcended the need to prove permanent physical injury because it focuses on a unique type of heartsickness. It allows compensation for the severe emotional distress resulting from perceiving the death of, or severe injury to, a spouse
Here, Jablonowska’s mother suffered injuries arising directly out of the use of Suther’s vehicle, and Jablonowska’s emotional distress from witnessing her mother’s injuries and death is derivative of the tort suffered by her mother. Merely because Suther’s negligent operation of a vehicle is the root cause of Baczewska’s fatal physical injuries provides no convincing basis for finding that Jablonowska’s separate and derivative cause of action for the pain and suffering' of witnessing her mother’s excruciating last moments should be made subject to the verbal threshold’s limitations on suit. Jablonowska’s emotional distress was not caused from the fright of being located within the zone of danger created by Suther’s negligent use of his motor vehicle. Rather, her emotional distress was caused entirely from her presence at the tragic scene of her mother’s injuries and death. Based on those circumstances, we conclude that plaintiffs Portee claim is not subject to the verbal threshold and her claim should not have been dismissed for failure to comply with its requirements.
In sum, we hold that plaintiffs negligent-infliction-of-emotional-distress claim,
V.
For the reasons stated herein, the judgment of the Appellate Division is reversed. Plaintiffs negligent infliction of emotional distress claim is reinstated and this matter is remanded to the Law Division for further proceedings.
Notes
The vehicle was owned by Theresa Suther and used in connection with her business. At the time of the accident, David was operating the vehicle in his capacity as an employee of Theresa’s business. The Complaint filed in this matter named both individuals as defendants, as well as fictitious persons and businesses.
Jablonowska's Complaint also stated wrongful death and survivorship claims.
In her application for automobile insurance, Jablonowska selected the "limitation on lawsuit option" that allows an insured to obtain a lesser premium on the condition that the insured only may state claims to recover for injuries "arising out of the ownership, operation, maintenance or use of such automobile," where the insured satisfies the substantive and procedural requirements set forth in the verbal threshold. See N.J.S.A. 39:6A-8(a) (1998) (amended 2003); see also DiProspero v. Penn, 183 N.J. 477, 480-81,
To maintain a cause of action under the verbal threshold, a plaintiff must provide evidence that she sustained a
bodily injury which result[ed] in death; dismemberment, significant disfigurement or significant scarring; displaced fractures; loss of a fetus; or a permanent injury within a reasonable degree of medical probability, other than scarring or disfigurement. An injury shall be considered permanent when the body part or organ, or both, has not healed to function normally and will not heal to function normally with further medical treatment. [N.J.S.A. 39:6A-8(a) (1998) (amended 2003).]
Defendants' cross-petition for certification was denied. 192 N.J. 69,
Defendants posit that a plaintiff theoretically could meet the verbal threshold’s permanent bodily injury requirement through a permanent psychological injury on which a negligent-infliction-of-emotional-distress claim was based, however, such a plaintiff would have to demonstrate some objective medical evidence to support the claim of permanent psychological injury. They maintain, however, that Jablonowska failed to satisfy that requirement.
Because a plaintiff’s location within the zone of danger created by a defendant’s negligent conduct is of no import to a Portee claim, the happenstance of Jablonowska's presence in the motor vehicle at the time of her mother's injuries and death logically should have no substantive effect on whether she can state an emotional distress claim grounded in the liability theory announced in Portee. Jablonowska need only demonstrate that she had the necessary sensory, contemporaneous perception of the emotionally distressing event to maintain a Portee claim. Thus, her claim is no less legally cognizable than had she been outside the vehicle (and, indeed, outside the zone of risk created by Suther’s negligence), but nonetheless in plain sight of the accident that resulted in Baczewska’s fatal injuries. In other words, Jablonowska's claimed emotional distress was not caused from the fright of being within the zone of danger created by Suther's negligent operation of his motor vehicle and the area immediately surrounding her vehicle. Rather, her emotional-distress claim is based exclusively from having witnessed her mother’s injuries and death.
See, e.g., In re Guardianship of K.H.O., 161 N.J. 337, 343,
Our dissenting colleagues assert that Portee claims are indistinguishable from all other psychological claims, and chide the Court for affording Portee claims an "exalted status." Post at 113,
Our difficulty with the dissent is that it has subtly altered the question before the Court and thereby claims to draw support from inconsequential cases. See post at 116-18,
Dissenting Opinion
dissenting.
When Halina Jablonowska purchased her automobile insurance policy, she opted for the limitation on lawsuit threshold under the Automobile Insurance Cost Reduction Act (AICRA), N.J.S.A. 39:6A-1.1 to -35. Because of that choice, Ms. Jablonowska cannot recover noneconomic damages
Ms. Jablonowska claims that she suffered a permanent psychological stress a result of witnessing the death of her mother in a car crash, permitting her to vault the lawsuit threshold and recover for pain and suffering. I would hold that a permanent psychological injury, proven by objective credible evidence, is the equivalent of a permanent bodily injury under AICRA, and give Ms. Jablonowska the opportunity to prove that she suffered a permanent injury. Our case law supports and defendant concedes that a permanent psychological injury is indeed a permanent bodily injury that can satisfy AICRA’s limitation on lawsuit threshold.
On the other hand, I disagree with the majority that a common law claim for negligent infliction of emotional distress under Portee v. Jaffee, 84 N.J. 88,
I.
I disagree with the majority’s assertion that a Portee, nonper-manent psychological injury arising from a motor vehicle accident falls outside of the lawsuit threshold.
The only threshold category that possibly applies in this ease is the one that allows for a recovery for pain and suffering damages when a person injured in an automobile accident sustains “a bodily injury which results in ... a permanent injury within a reasonable degree of medical probability, other than scarring or disfigurement.” N.J.S.A. 39:6A-8(a). For purposes of AICRA, a permanent injury is “when the body part or organ, or both, has not healed to function normally and will not heal to function normally with further medical treatment.” Ibid. Because the statute does not permit a recovery of noneconomic damages for a nonperman-ent physical injury, I do not see how a recovery for a nonperman-ent psychological injury, even if denominated a Portee injury, can be treated any differently.
Moreover, AICRA’s plain language makes clear that one cannot vault the verbal threshold on the basis of another person’s injury. N.J.S.A. 39:6A-8(a) provides that a tortfeasor is not liable “for noneconomic loss to a person ... unless that person has sustained a bodily injury which results in death ... or a permanent injury.” (Emphasis added). Thus, Ms. Jablonowska only vaults the threshold if she suffered a permanent injury herself; she does not vault the threshold because of her mother’s death.
In DiProspero v. Penn, 183 N.J. 477,
Nothing in AICRA suggests that a driver bound by the lawsuit threshold, who is involved in an automobile accident and witnesses a close family member suffer death or serious bodily injury, can recover damages for pain and suffering resulting from a nonper-manent injury, whether physical or psychological. AICRA has no carve-out for nonpermanent Portee injuries. Under the majority’s paradigm, a driver whose car is broadsided and who observes a close relative suffer serious bodily injury can recover for pain and suffering resulting from a nonpermanent post-traumatic stress disorder. However, if a sixteen wheeler crashes into a car, which explodes in flames, and the sole occupant suffers nonpermanent physical injuries and nonpermanent post-traumatic stress disorder, no recovery for pain and suffering is allowed. That absurd result does not follow from AICRA’s plain language, and could not have been intended or envisioned by the drafters of that statute. The Legislature did not make a psychological injury asserted in a Portee claim superior to a psychological injury asserted in any other common law claim when the injury occurs in a motor vehicle accident.
II.
AICRA’s lawsuit threshold, N.J.S.A. 39:6A-8(a), does not define “bodily injury” as excluding injuries to the mind or the brain. Nor does it define “permanent injury” as barring a permanent mental injury for the purpose of satisfying the threshold. Significantly, this Court has construed similar “bodily injury” language in the Tort Claims Act (TCA), N.J.S.A. 69:1-1 to 59:12-3, to encompass permanent psychological injuries.
In Collins v. Union County Jail, 150 N.J. 407,
The TCA threshold provides that in a suit against a public entity or public employee, a plaintiff shall not be awarded pain and suffering damages “resulting from any injury” except “in cases of permanent loss of a bodily function, permanent disfigurement or dismemberment where the medical treatment expenses are in excess of $3,600.00.” N.J.S.A. 59:9-2(d). In Collins, supra, the plaintiff’s treating psychologist testified that the plaintiff suffered from post-traumatic stress disorder and that it was highly likely that that psychological injury was permanent. 150 N.J. at 415,
Thus, at the time of AICRA’s enactment in 1998, the Legislature knew that this Court in Collins had construed the term “permanent loss of a bodily function” in the TCA’s verbal threshold to include permanent psychological injuries. Similarly, the Legislature was aware that in Saunderlin v. E.I. DuPont Co., 102 N.J. 402,
Despite our pronouncements in those eases, the Legislature made no effort in enacting AICRA to define “bodily injury” or “permanent injury” as excluding permanent psychological injuries. Because “the Legislature is presumed to be aware of judicial construction of its enactments,” DiProspero, supra, 183 N.J. at 494,
It also bears repeating that a permanent injury under AICRA’s lawsuit threshold must be found by objective, credible evidence. Recently, in Patterson v. Board of Trustees, 194 N.J. 29,
Here, Ms. Jablonowska’s treating psychiatrist submitted a certificate of merit in which he concluded that his patient suffered a “permanent Post Traumatic Stress Disorder”— as a result of witnessing the death of her mother in the car accident. In his certification, the psychiatrist stated that his opinion was based on “objective clinical evidence,” including “psychiatric evaluation and ongoing treatment.”
Based on that certification, I would remand to the trial court. That Ms. Jablonowska filed the physician’s certification more than 60 days after defendant filed his answer is not necessarily fatal to her claim under AICRA. See Casinelli v. Manglapus, 181 N.J. 354, 355-56,
III.
I conclude that AICRA does not allow a recovery for pain and suffering for a nonpermanent Portee injury. I would remand for a new trial to allow Ms. Jablonowska the opportunity to prove that she suffered a permanent psychological injury compensable under AICRA.
"Noneconomic loss" is defined as “pain, suffering and inconvenience." N.J.S.A. 39:6A-2(i).
Defendant, of course, does not concede that plaintiff in this case suffered a permanent psychological injury.
A displaced fracture that does not result in a permanent injury will satisfy the threshold. N.J.S.A. 39:6A-8(a). The displaced fracture category, however, would never apply to a psychological injury.
