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Elliott v. Simon

New Jersey Superior Court, Law Division

Decided: February 11, 1977.


Thomas, J.s.c.


[148 NJSuper Page 75] Defendant, by this motion for summary judgment, seeks dismissal of plaintiff's complaint on the ground that plaintiff has failed to meet the $200 medical "threshold" requirement contained in N.J.S.A. 39:6A-8 of the New Jersey Automobile Reparation Reform Act (No Fault). N.J.S.A. 39:6A-8 provides that an owner or operator of an automobile is exempt from tort liability for bodily injury

[148 NJSuper Page 76]

if the bodily injury, is confined solely to the soft tissue of the body and the medical expenses incurred or to be incurred by such injured person or the equivalent value thereof for the reasonable and necessary treatment of such bodily injury, is less than $200.00, exclusive of hospital expenses, X-rays and other diagnostic medical expenses.

The undisputed facts reveal that plaintiff sustained injuries on July 9, 1974 when the automobile in which she rode as a passenger was involved in an accident with defendant's vehicle. Plaintiff's answers to interrogatories indicate that, as a result of the accident, she sustained soft tissue injuries and incurred the following medical expenses: Physiotherapy, $163; X-rays, $85; traction device, $11.95, and bill of Dr. N. Sacharow, $75.

There is no dispute as to either the physiotherapy or X-ray expenses. The former is included in computing the $200 medical threshold, while the latter is explicitly excluded. Since the traction device expense, even if added to the cost of physiotherapy, would not raise the total expenditure above the statutory minimum, the outcome of this motion hinges upon the bill submitted by Dr. Sacharow.

Were the medical services he rendered "treatment" and thus eligible toward computing the $200 medical threshold, or were they "diagnostic medical expenses" and thus excluded from that computation?

The report of Dr. Sacharow, an orthopedic surgeon, was annexed to defendant's moving papers. It reveals that the doctor saw plaintiff once, an examination conducted on October 19, 1976, more than two years after the accident. At the time of the examination plaintiff was complaining of pain in her left shoulder, neck, left arm and lower back. Following his examination Dr. Sacharow rendered a diagnosis but took no steps to ameliorate any of plaintiff's maladies.

In Harris v. Osorio , 125 N.J. Super. 463 (Law Div. 1973), supplemented 125 N.J. Super. 468 (Law Div. 1973), the court was faced with a similar question. The issue there was whether the cost of an examination conducted by a neurosurgeon would be included for the purpose of reaching

[148 NJSuper Page 77]

the $200 threshold. The examination, which proved negative, was requested by plaintiff's treating physician and conducted while plaintiff was in the hospital undergoing treatment. The court held that the cost of the neurological examination should be included in computing the $200 threshold, stating that

This court does not reach the same conclusion. To do so would frustrate the basic reasons for this No Fault legislation -- prompt payment of claims, reduction in the cost of insurance and relief for crowded court calendars. See Commission recommendations, "Reparation Reform for New Jersey Motorists," Report to the Governor and the Legislature (December 1971), at xii and xiv.

See also, Emma v. Romano , 136 N.J. Super. 255 (Law Div. 1975), wherein Judge Bilder stated:

In construing this act it is important to recognize what the Legislature has sought to accomplish. What the Legislature sought was to segregate out of our legal system negligence claims for pain and suffering arising from soft tissue injuries, the nature and extent of which were such as not to require at least $200 in treatment and thus were, in the Legislature's view, not sufficiently severe to warrant legal redress. This intention of the Legislature should be given effect. [at 258-259; emphasis in original]

Reference to Iavicoli, No Fault and Comparative Negligence in New Jersey 129, is also helpful.

Diagnostic medical expenses are normally those expenses associated with attempting to ascertain the type, condition, or extent of the individual's injury. For example, the costs for x-rays (which is specifically enumerated in the Act), electrocardiograms, electroencephalograms, myelograms, arteriograms, etc. would be excluded from that amount needed to satisfy the medical threshold.

[148 NJSuper Page 78]

The Legislature did not place any monetary limitation on the cost of x-rays or other diagnostic tools. They are vital to determine the type and extent of injury. The effect of the statute is to encourage their use. Diagnostic cost, however, does not necessarily bear any reasonable relationship to the severity of injury, and for that reason is excluded from threshold consideration.

In this case Dr. Sacharow's examination of the plaintiff was just that, an examination. It was designed to identify rather than to treat. Its cost, therefore, constituted a diagnostic medical expense which, in view of the plain wording of N.J.S.A. 39:6A-8 as well as the legislative intent underlying the entire No Fault scheme, must be excluded from the computation of the $200 medical expense threshold. Consequently, defendant is exempt from tort liability and his motion to dismiss the complaint is granted.


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