So, You Had an Accident

Recently, a friend of mine was involved in a car accident. Having never had an accident before, he was a bit shaken up and called me from the scene of the accident. Here’s what I told him to do.

  • Call the police.

No matter how “minor” the accident may seem, err on the side of caution and notify the authorities. The police will create a report based on the statements you, the other driver(s), and any witnesses to the accident give. Be sure to get a copy of the report for your records and for your insurance company. (It usually takes a few days for the report to be processed.) If the police don’t come to the scene of the accident, go to the local police station and file a report.

  • Be quiet.

Don’t apologize or admit any fault to the other driver(s) or passengers. Instead, wait to give your statement to the police. 

  • Exchange Information.

 If the police don’t come to the scene, make sure that you get the names, addresses and telephone numbers of the drivers of all vehicles involved in the accident, along with the names of their insurance companies and insurance policy numbers. Be sure to get the names, addresses and telephone numbers of any witnesses, too. 

  • Take pictures. 

Get pictures of the accident scene, including your car, the other car(s) involved in the accident, and any other damaged property. Photographs may prove helpful to the insurance company in conducting their investigation. The average cell phone has a decent camera. If you don’t have a camera phone, consider keeping a disposable camera in your car for emergencies. 

  • Injured?

Stay in or near your car so long as it is safe to do so. EMS personnel will first check the cars involved in the accident for people with injuries. If you aren’t in your car, then you may be overlooked. 

  • Get organized.

Make sure that all of your car-related documents are current and in your car. That includes proof of insurance and registration. The last thing you need after an accident is a ticket for failure to provide proof of insurance or registration.       

 

 

PIP Coverage - Some Things to Know

New Jersey is one of many states that have a Personal Injury Protection (PIP) system in place as part of your automobile insurance coverage. The purpose of PIP as part of comprehensive reform was to lower auto insurance premiums, although it has not necessarily worked out that way.

When you purchase a policy of auto insurance, you must choose whether your health insurance carrier (assuming that you have one) or your automobile carrier will be primarily responsible for your medical coverage if you are injured in a car accident.

Do not make this decision lightly.  There are pros and cons to both selections. If you choose your car carrier, you will be offered several levels of coverage from $15,000 per person per accident to $250,000. This coverage comes with a deductible of $250 and a co-pay of 20% on the first $5,000 of bills. This may be better or worse than your health insurance coverage.

While choosing your health insurance carrier as primary will reduce your PIP premium, the trade off is that your health insurance carrier may have a lien on any subsequent lawsuit that you bring against a third party for the injuries that you sustained if your health plan is a self-funded ERISA plan. That means that you would have to pay back your health insurance plan out of any settlement that you might receive. Generally, there is no re-payment obligation to your auto carrier.

Therefore, as the knight said to Indiana Jones in the last of the trilogy when Indiana had to choose the goblet - Choose Wisely!!

Hands Free Required? Not Always

In New Jersey, state law prohibits drivers from talking to or listening to another person on the telephone, text messaging or sending an electronic message unless the driver is using a hands-free device. But even when using a cellphone hands-free, it is sometimes necessary to push certain buttons on the phone, for example to start a call, end a call or initiate some other function. Is it legal to do so? A recent NJ case considered that question.

In State v. Malone, the defendant was pulled over and given a summons when a police officer spotted him holding a cell phone and "pressing buttons" while driving his car. In the municipal court proceeding, Mr. Malone denied any wrong doing, arguing that he was not texting or sending electronic messages. He was found guilty. He appealed to the law division, which upheld the conviction. He appealed further to the Appellate Division.

The Appellate Division overturned the conviction since the statute provides for motorists to use one hand to "activate, deactivate, or initiate a function of the telephone". Since the State could not prove beyond a reasonable doubt that Mr. Malone was doing anything other than initiating a call, the conviction could not stand.

Bottom Line - In NJ, it's ok to dial and drive!

 

No Insurance? Big Problem

New Jersey has a law that bars an injured person from suing for pain and suffering arising from a car accident  if that person does not have the requisite insurance on his/her vehicle at the time of the accident. What happens if the injured person is not the operator of the vehicle but is merely a passenger in their own vehicle? Do they have a right to sue? In a recent case, the NJ Supreme Court said NO. In the case of Perrelli v. Pastorelle,  Denise Perrelli was a passenger in her vehicle which was being driven by a friend. They collided with a vehicle operated by Paul Pastorelle. Perrelli sued Pastorelle claiming that his negligence caused the accident. The defendant moved for Summary Judgment based upon the NJ law.  Perrelli countered that the statute 's language requires her to be the operator of the vehicle and since she was not, she was entitled to bring suit. The trial court denied the summary judgment motion. The case eventually made its way to the Supreme court, which reversed the lower court holding that the language of the statute cannot be construed so literally because it would allow an uninsured person to violate the law and not suffer its consequences.  Therefore, whether you are the owner/operator or passenger in the car, you are barred from suing if the car is uninsured!!

Injured Abroad, Redressed at Home

In a recent decision handed down by the New Jersey Supreme Court, plaintiffs injured in a car accident South Africa were allowed to move forward with their lawsuit against the defendants, which included the driver of the car the plaintiffs were passengers in at the time of the accident and the driver’s employer, in New Jersey.

Plaintiffs, Amin Yousef and Crane Robinson, were civilian employees of the United States Army whose work took them to South Africa where they were working in cooperation with members of a team of employees from General Dynamics-Ordnance and Tactical Systems, Inc., a Virginia-based company doing business in New Jersey. One member of the General Dynamics team was David Edmonds.

During the same trip, Edmonds rented a van. One evening, while driving himself and three other passengers, including the plaintiffs, Edmonds drove through a stop sign. The van was broadsided by a vehicle travelling through the same intersection. As a result of the collision, Yousef and Robinson were badly injured. They received immediate medical attention in South Africa and were later transferred to hospitals in New Jersey.

A year after the accident, Yousef and Robinson filed separate personal-injury complaints in New Jersey state court alleging that Edmonds, an agent of General Dynamics, had operated the rental van negligently by driving through the stop sign, thereby causing the accident which resulted in their injuries. At the conclusion of pre-trial discovery, the defendants moved to dismiss the action on grounds of forum non conveniens, “arguing that a South African court was the more appropriate forum for deciding the issues to be resolved in [the] case.” Yousef v. General Dynamics Corp.

The defendants appealed and the Appellate Division affirmed. The New Jersey Supreme Court granted certiorari and considered the issue.

The Supreme Court affirmed the Appellate Division. In reaching its decision, the Court undertook the public – and private-interest factor analysis that each of the lower courts did. In considering the private-interest factors, “particularly the relative ease of access to sources of proof,” the Court found that much of the relevant evidence necessary to adequately try the case was here in the United States, including the plaintiff’s medical records and the parties themselves. The Court was particularly sensitive to the fact that the intersection where the accident had occurred had been reconfigured since the time of the accident, and so “an inspection of the scene would likely yield little benefit to the factfinder.” Moreover, the Court concluded that, in the absence of evidence to the contrary, there would be no “barrier to the admission of photographs and diagrams of the intersection during the relevant time period.” The Court also determined that it would be feasible to record the testimony of South Africans with knowledge of the intersection pre-reconfiguration through depositions. It also took into account the fact that the vehicles involved in the accident were missing and testimony, provided in affidavits by plaintiff Yousef’s doctors, indicating that Yousef’s injuries rendered him unable to withstand a trip to South Africa, much less an extended one.  In this way, the Court concluded that the access-to-evidence factor did not weigh in defendants’ favor.

In considering the private-interest factors, the Court recognized the defendants two main arguments: 1) “South Africa has a vital stake in ensuring that individuals who drive on its roadways observe the appropriate standard of due care; and 2) South Africa has an interest in ensuring that its local municipalities protect motorists by adequately designing and maintaining roadways.” Id. at 24. With respect to the first point, the Court concluded that “the obligation to drive safely in South Africa [could] be vindicated in New Jersey.” Regarding the second point, the Court determined that “the present litigation – even if the local [South African] municipality were impleaded – would seem to have little effect on the future design of the intersection where the accident occurred,” especially since the intersection had already been redesigned.  Id. 

As for the public-interest factor analysis, the Court concluded that, given “this case concerns injuries caused to New Jersey residents by a corporate entity doing business in this State..., New Jersey’s interests are direct and concrete, not remote” and so it had more interest in administering the case than did the courts of South Africa.   

Finding that New Jersey had substantially more interest in the outcome of the case, the Supreme Court denied the defendants’ motion for dismissal and remanded the case back to the trial court. The citation for the case is Yousef v. General Dynamics Corp., No. A-88-09, 2011 WL 1344629 (N.J. Sup. Ct. Apr. 11, 2011).  

Drinking, Driving and Belching - Does It Mean DUI ?

In a recent case, State v. Korpita,  the Appellate Division affirmed a refusal to take an Alcotest conviction of a former municipal court judge who continuously belched for 75 minutes, effectively preventing the police officer from administering the test. According to proper Alcotest protocol, if a defendant burps before giving a breath sample, the Alcotest operator must wait twenty minutes before administering the test.

The defendant testified at trial that as he waited in the police station for the test his stomach started churning up and he started belching.  the police officers testified that he did not belch until the test was to be administered and did not belch after the officers decided to terminate the testing process.

The Appellate Division, in affirming the conviction, found the Municipal Court and Superior Courts' findings were reasonable under all the facts and circumstances presented.

Moral of the story - Belching may be good for the body but it is not a defense.

 

Wrongful Death Claims and Uninsured Drivers

Under New Jersey law, an uninsured owner/operator of a car who is involved in an accident which results in injuries to the operator is precluded from recovering damages for both economic and non-economic (pain and suffering) loss.  See N.J.S.A. 39:6A-4.5(a).

An interesting but previously unanswered question is whether the survivors of an uninsured driver who is killed in a crash can bring an action under the Wrongful Death Act notwithstanding the fact that the operator was uninsured.  This issue will be decided shortly by the NJ Supreme Court in the case of Aronberg v. Tolbert.

Lawrence Aronberg was killed in a crash on the NJ Turnpike.  His automobile insurance carrier had cancelled his policy a few weeks before the crash due to non-payment of premiums.

His mother brought  Wrongful death Act and Survivor's Act claims. The trial court dismissed the Survivor's Act claim but upheld the Wrongful Death Act claim.  The defendant appealed.  The Appellate Division affirmed in a 2-1 decision, holding that there is nothing in the language of the statute that indicates that the "Legislature intended to target innocent family members without any culpability for the lack of insurance". The dissenting judge wrote that he believed that the Legislature intended to prohibit these types of lawsuits.

Now the NJ Supreme Court will have the final say.

Emotional Rescue for Fido?

In McDougall v. Lamm, the Appellate Division of the New Jersey Superior Court recently considered whether to allow damages for emotional distress to a plaintiff who witnessed the violent death of her dog. 

While out for a walk, the plaintiff’s dog was attacked and killed by another larger dog.  The plaintiff witnessed the attack and sued the owner of the larger dog.  At trial plaintiff argued that under Portee v. Jaffee (see posting of November 17, 2010) she was entitled to damages for the emotional distress she suffered as a result of witnessing the defendant’s dog attack and kill hers.  In support of her claim, plaintiff explained that she had a “developed a considerable attachment” to her dog in the wake of her divorce from her husband and the recent departure from home for college of her three sons. 

The trial judge denied plaintiff’s claim for emotional distress but awarded her damages for the replacement cost of the dog.  The plaintiff appealed, arguing that she was entitled to damages for emotional distress under Portee, since she “was forced to witness the death of a companion dog, with whom she had established a loving relationship.”  Plaintiff qualified her argument by asserting “that such damages should be limited to pet owners who are able to demonstrate a close loving relationship, perhaps based in part on taking care of the pet.” 

The Appellate Division affirmed the trial court’s decision.  In reaching its decision, the court took into account the already-existing laws which impose liability on dog owners who “[permit] their dogs to run loose, without being leashed.”  See N.J.S.A. 4:19-16, 4:19-4 and 4:19-15.16(e).  The court concluded that “in light of the comprehensive statutory scheme designed to deter dog owners from allowing their dogs to run loose and penalizing them if they do so” plaintiff had failed to articulate sufficient policy reasons for imposing liability beyond that already imposed by existing legislation.    

Host Safely

The Holidays are upon us once again, and with the season come invitations to parties, dinners, cocktail hours and other events to celebrate it.  You may even be planning to host your own holiday gathering.  If you are hosting an event this holiday season and plan to serve alcohol, please keep the following in mind.    

Under New Jersey law, a host can be held liable for personal injury or property damage resulting from the negligent provision of alcoholic beverages in some circumstances.  To recover against a social host, an injured person must prove three things: (1) that the host served alcohol to a person who physically manifested signs of being intoxicated; (2) that the host served the intoxicated person while ignoring some foreseeable harm that could result from serving the intoxicated person; and (3) that the injury was the result of the intoxicated person’s operation of a motor vehicle.  N.J.S.A. 2A:15-5.6.    

It is important to note that the social host liability set forth above applies only to third-persons and minors.  That is to say, a social host is not liable for the injuries the guest might sustain as a result of consuming alcoholic beverages provided by the host, so long as the guest is of the legal drinking age.  N.J.S.A. 2A:15-5.7. 

This holiday season, host safely!  Serve alcohol to your guests in a responsible manner; never serve alcohol to underage people; and encourage your guests to party with a designated driver.      

Emotional Rescue?

 

Does New Jersey recognize a claim for emotional distress when the plaintiff only observes the happening of an accident but is not physically injured? In 1980, the New Jersey Supreme Court held that if a plaintiff can prove the following: (1) the death or serious physical injury of another caused by defendant’s negligence; (2) a marital or intimate, familial relationship between the plaintiff and the injured person; (3) observation of the death or injury at the scene of the accident; and (4) resulting severe emotional distress, the plaintiff can be awarded damages for the emotional distress. Portee v. Jaffee, 84 N.J. 88, 101 (1980).     

 

What is critical about this cause of action, commonly referred to as a Portee Claim, is that the plaintiff does not have to suffer any actual physical harm in order to recover damages. Instead, the claim arises out of the emotional trauma suffered by the plaintiff in witnessing a loved-one’s severe physical injury or death.   

 

Prior to 2008 there was some question as to whether the motor vehicle verbal threshold applied to a Portee claim. The New Jersey Supreme Court addressed that issue in Jablonowska v. Suther, 195 N.J. 91 (2008). 

 

In Jablonowska, plaintiff was rear-ended by the defendant while driving her automobile on Route 21 in Newark. Plaintiff suffered some minor physical injuries. However, plaintiff’s mother, a passenger in her vehicle, was killed in the accident. 

As a result of her mother’s death, plaintiff suffered severe emotional distress which resulted in “frequent crying, headaches, palpitations, chest pain, shortness of breath, nausea with vomiting, dizziness, [and] tingling and numbness of her extremities.” In addition, plaintiff suffered a decrease in appetite, impaired memory and concentration and eventually entered psychotherapy. 

Plaintiff filed suit, alleging that defendant’s negligent operation of his vehicle caused her to experience “the psychological trauma of witnessing her mother’s injuries and subsequent death at the accident scene, which caused [plaintiff’s] severe mental impairment.” The defendant moved for dismissal of the Portee claim arguing that plaintiff’s injuries did not surpass the permanency requirement of the verbal threshold. Plaintiff responded by arguing that her Portee claim was independent of the verbal threshold test. 

 

The trial court ruled in favor of the defendant, finding that the verbal threshold applied, and dismissed the Portee claim. On appeal, the Appellate Division affirmed the trial court. 

The New Jersey Supreme Court reversed. In its ruling, the Court observed that under common law a Portee claim

 

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 or close familial relation. Absent some express legislative indication to the contrary, it is illogical to presume that the Legislature impliedly meant to subject Portee claims to the verbal threshold’s permanent-injury requirement that the tort itself foregoes.

 

Thus, the Court ruled that a plaintiff’s claim for negligent infliction of emotional distress based on a Portee theory of liability is independent of the requirements imposed by statute and, therefore, is not subject to the verbal threshold.