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. 

What is New Jersey's Tort Threshold?

In an attempt to control ever increasing automobile insurance premiums, the NJ Legislature has passed a series of so-called tort reform measures over the years.  The most recent, the Automobile Insurance Cost Reduction Act (AICRA) was passed in 1998.  Amongst many things, it enable purchasers of automobile insurance policies to choose either the Threshold or No Threshold option.

The Threshold option limits your right to sue for pain and suffering in exchange for a reduced premium. Consumers who choose the Threshold option agree that they and their spouses and children in the household will generally not be able to sue for pain and suffering arsing from a motor vehicle accident unless they suffer an injury in one of six categories: Death; Dismemberment: Loss of a fetus; Significant disfigurement or scarring; Displaced fractures; a permanent injury - defined as an injury that has not healed to function normally and will not heal to function normally with further medical treatment.

In most circumstances, if you do not suffer an injury in one of those categories, you will not be able to recover for you pain and suffering although you will generally receive PIP benefits to pay for your medical expenses and some loss of earnings.  Of particular note is the fracture category.  A simple fracture will not qualify UNLESS you can prove by competent medical evidence that the fracture produces a permanent injury, a relatively high bar for many simple fractures.

As with all things legal, there are exceptions to this rule.  For instance, if you involved in an accident with a commercial vehicle which is not required to carry PIP coverage, the threshold does not apply to you.