William L. Hagerty was accidently soaked with toxic chemicals while doing duty as a Jones Act seaman. He sues for his damages which include pain and suffering, mental anguish due to the fear of developing cancer, and the medical expense of regular checkups to monitor against that disease. The district court granted summary judgment for the defendants on the ground that no cause of action had accrued. We reverse and remand.
The traditional tort rules may be restated. A tortious cause of action accrues when the victim suffers harm caused by the defendant’s wrong. The injury or harm may occur simultaneously with the tortious conduct in the case of a traumatic event or the injury may be latent and not manifested and discovered until some later date. When the fact of the injury does occur, if discovered by the victim, the cause of action accrues. The victim is then entitled to sue for his damages, past and present, as well as his probable future damages, and limitation also begins to run on the time within which suit may be instituted. The victim is entitled to only one cause of action and, if his injuries subsequently worsen, he has no further opportunity for recompense.
The present appeal raises, primarily, the question of whether a cause of action has accrued. We hold that Hagerty suffered physical injuries and was entitled to pursue this action. The element of fear of cancer *317 and attendant medical costs will be urged upon remand, and we therefore address «¿that issue. Finally, we volunteer our dis-’ satisfaction with the single cause of action rule in face of the recurring problem of injured people facing the possibility of cancer. Those victims should be entitled to recover for present injuries and, also, for the cancer when and if it later develops; they should neither be entitled nor compelled to recover for cancer damages until those damages can be realistically assessed.
1. ACCRUAL OF CAUSE OF ACTION
Hagerty was employed by L & L Marine Service, Inc. and/or Globe Barge, Inc. in April 1982, when he served as a tankerman on a barge being loaded with chemicals at the Union Carbide plant in Guyanilla, Puer-to Rico. Because of an alleged defect in the barge and/or equipment being used to load the chemicals, Hagerty was completely drenched with dripolene, a chemical containing benzene, toluene and xyolene. He doused his clothes and shoes with water immediately and then removed the clothes and took a shower several hours later. Hagerty was sprayed again with the chemical in a subsequent mishap at the same location, but he was not drenched to the same extent as in the first event. Aside from his ruined shoes, he suffered a brief period of dizziness, followed by leg cramps until he obtained his shower. The following day he felt a stinging in his extremities. Because of these symptoms, the extent of his emersion in the chemical, and his understanding of the carcinogenic effect of that chemical, he is now fearful that he will in time contract the disease. Clearly, he does not have the disease at the present time and has suffered no manifestations of any symptoms or ailments attributed to cancer. He has consulted with several doctors and, at the suggestion of his physician, he continues to undergo regular periodic medical examinations and laboratory tests.
The cause of action has accrued if Hagerty’s injury was discernible on the occasion when he was drenched with the toxic chemical.
Albertson v. T.J. Stevenson & Co., Inc.,
2. THE ELEMENTS OF DAMAGES
Upon trial the plaintiff is entitled to recover damages for all of his past, present and probable future harm attributable to the defendant’s tortious conduct. Those damages include pain and suffering and mental anguish. The present fear or anxiety due to the possibility of contracting cancer constitutes a present fact of mental anguish and may be included in recoverable damages. The increase in the risk of his contracting cancer may not be included, however.
a. Cancerphobia
Defendants contend that a plaintiff’s can-cerphobia should not be considered a present injury unless accompanied by “physical manifestations.” Only a physical injury requirement, they argue, will ensure *318 against the proliferation of “unworthy claims.” It would also deny worthy claims, perhaps that of Hagerty. We believe the courts have better devices with which to choose between the worthy and the unworthy.
Cancerphobia is merely a specific type of mental anguish or emotional distress.
See, e.g.,
Gale & Goyer,
Recovery for Cancer-phobia and Increased Risk of Cancer,
15 Cum.L.Rev. 723, 725 (1985). Courts have long allowed plaintiffs to recover for psychic and emotional harm in Federal Employers’ Liability Act or Jones Act/maritime cases.
See, e.g., Erie R. Co. v. Collins,
The physical injury requirement, like its counterpart, the physical impact requirement, 1 was developed to provide courts with an objective means of ensuring that the alleged mental injury is not feigned. W. Prosser, The Law of Torts § 54, at 330-33 (4th ed.1971). We believe that notion to be unrealistic. It is doubtful that the trier of fact is any less able to decide the fact or extent of mental suffering in the event of physical injury or impact. With or without physical injury or impact, a plaintiff is entitled to recover damages for serious mental distress arising from fear of developing cancer where his fear is reasonable and causally related to the defendant’s negligence. The circumstances surrounding the fear-inducing occurrence may themselves supply sufficient indicia of genuineness. It is for the jury to decide questions such as the existence, severity and reasonableness of the fear.
Here, Hagerty has testified that he studied the characteristics of the chemicals he dealt with and thus knew before his *319 exposure that dripolene was a carcinogen. In addition, he felt physical effects after the first dousing; having previously watched benzene absorb into his finger, these effects triggered anxiety because he realized that his entire body had absorbed the chemical. He further testified that he saw a doctor after the exposure and advised his co-worker to do the same. His doctor advised him to undergo periodic medical testing for cancer. In addition to doing so, he subsequently left his job as a tankerman out of concern for future accidents. From this evidence, we conclude that Hagerty has presented sufficient indi-cia of genuineness so as to make summary judgment of his cancerphobia claim improper.
b. Medical Expenses
In addition to any damages for mental distress, Hagerty correctly asserts that he is entitled to recover for the continuing expense of his periodic medical checkups.
2
A plaintiff ordinarily may recover reasonable medical expenses, past and future, which he incurs as a result of a demonstrated injury. C. McCormick,
The Law of Damages
§ 90 (1935);
see, e.g., Ross v. United States,
c. Increased Risk
Hagerty also urges that he be allowed to recover damages for his increased risk of contracting cancer in the future. In his brief, he does not specify exactly what he believes that “increased risk” to be; we assume, however, that it is not greater than fifty percent.
Recent commentators have argued for recognition of a claim for “increased risk,” whether greater or less than fifty percent.
See, e.g.,
Gale & Goyer,
supra,
at 737; Comment,
Increased Risk of Disease from Hazardous Waste: A Proposal for Judicial Relief,
60 Wash.L.Rev. 635 (1985); Note,
Increased Risk of Cancer as an Actionable Injury,
18 Ga.L.Rev. 563 (1984). To be consistent with our position in section 3 below and with other courts who have recently addressed this question,
e.g., Dartez,
3. THE SINGLE CAUSE OF ACTION RULE
In
Albertson,
Even when there is evidence that the increased risk of cancer exceeds fifty percent, the rule does not work well. A plaintiff, if suffering any injury, is forced to seek cancer damages although the extent of those damages is yet highly speculative. They may be nothing at all because what was probable may not occur. The extent of the disease may be limited or the suffering and expenses may be enormous.
The rule has its disadvantages for all parties. Consider the case of
Jackson,
At least in the toxic chemical or asbestos cases, the disease of cancer should be treated as a separate cause of action for all purposes. There should.be no cause of action or beginning of the running of limitations until the diagnosis of the disease. Nor should damages for that disease be recoverable unless and until that time. A prior but distinct disease, though the tortfeasor may have paid reparations, should not affect the cause of action and damages for the subsequent disease. 3
A few courts have been willing to construe the “single injury” rule so as not to preclude a later suit for latent disease.
E.g., Wilson v. Johns-Manville Sales Corp.,
When the proper case is presented, this panel hopes that the en banc court will consider this problem, if Congress has not acted upon it by that time.
The district court’s judgment is REVERSED and the cause is REMANDED to that court.
Notes
. In any event, we note that Hagerty could satisfy either requirement since we have found that he did suffer a "physical injury” from the drenching, which constitutes an "impact.”
. Although the question may not arise, considering that the treating physician’s prognosis calls for periodic re-examination we would look favorably on applying the ancient generous maritime doctrine of maintenance and cure to hold that maximum recovery has not occurred to allow recovery of these medical and related costs as cure.
See especially
Justice Cardozo’s opinion in
Cortes v. Baltimore Insular Line,
. We do not deny the possibility of some preclusion of common issues in the litigation of the first cause of action.
