Charlotte Zavis v. Njm Insurance Company

New Jersey Superior Court Appellate Division·Decided May 15, 2025·No. A-2553-23·Unpublished

Opinion

NOT FOR PUBLICATION WITHOUT THE APPROVAL OF THE APPELLATE DIVISION This opinion shall not "constitute precedent or be binding upon any court ." Although it is posted on the internet, this opinion is binding only on the parties in the case and its use in other cases is limited. R. 1:36-3.

SUPERIOR COURT OF NEW JERSEY APPELLATE DIVISION

DOCKET NO. A-2553-23

CHARLOTTE ZAVIS, Plaintiff-Appellant,

v.

NJM INSURANCE COMPANY,

Defendant-Respondent.

Submitted April 8, 2025 – Decided May 15, 2025

Before Judges Gilson, Firko, and Bishop-Thompson (Judge Bishop-Thompson concurring in part and dissenting in part).

On appeal from the Superior Court of New Jersey, Law Division, Union County, Docket No. L-0639-22.

Lowenthal & Abrams, PC, attorneys for appellant (Regina M. McIlvaine, of counsel and on the briefs).

McElroy, Deutsch, Mulvaney & Carpenter, LLP, attorneys for respondent (Everett E. Gale, III, of counsel and on the brief; Erica E. Bross, on the brief).

PER CURIAM

Plaintiff Charlotte Zavis filed a claim against defendant New Jersey Manufacturers Insurance Company (NJM) for underinsured motorist (UIM) coverage arising from a February 1, 2019 motor vehicle accident after the third - party case settled. Plaintiff alleged she sustained personal injuries. She appeals from the March 15, 2024 order granting NJM's motion for summary judgment and dismissing her complaint with prejudice because she failed to provide a comparative medical analysis addressing her extensive medical history and pre- existing spinal injuries compared to her alleged injuries from the subject accident. We affirm.

I.

Our review of an order granting summary judgment requires our consideration of "the competent evidential materials submitted by the parties to identify whether there are genuine issues of material fact and, if not, whether the moving party is entitled to summary judgment as a matter of law." Bhagat v. Bhagat, 217 N.J. 22, 38 (2014). Here, we discern the following facts from our review of the parties' Rule 4:46-2 statements and the motion record, viewed in the light most favorable to plaintiff. Templo Fuente De Vida Corp. v. Nat'l Union Fire Ins. Co. of Pittsburgh, 224 N.J. 189, 199 (2016).

A-2553-23

On the date of the accident, plaintiff, who was then seventy-four-years-

old, was a front seat passenger in a motor vehicle that was struck on the front end by a vehicle that turned left in front of her vehicle. Plaintiff is subject to the limitation on lawsuit option under N.J.S.A. 39:6A-8(a). In her complaint, plaintiff did not assert an aggravation or exacerbation of any pre-existing injuries. During discovery, plaintiff alleged that she injured her shoulders, neck, and back as a result of the automobile accident.

On April 4, 2019, plaintiff underwent magnetic resonance imagings (MRIs) of the lumbar and cervical spines. Her treating doctor and expert, Dr. Wayne Fleischhaker, a board-certified anesthesiologist and pain management specialist, reviewed the MRI films and in his May 14, 2023 report, opined that plaintiff sustained permanent injuries to her neck and back because of the automobile accident. Specifically, Dr. Fleischhacker opined plaintiff sustained herniations at C3-4 and C5-6, and bulging discs at C4-5, C6-7, L3-4, and L4-5, with lumbar radicular syndrome. Dr. Fleischhaker also opined in his report that plaintiff suffered an "aggravation of pre-existing asymptomatic degenerative changes as a result of the motor vehicle accident that occurred on February 1, 2019." Dr. Fleischhaker stated that as a result of plaintiff's "injuries, she will

A-2553-23

suffer accelerated degeneration of her spine, progressive stiffness, loss of function and pain."

Discovery revealed that plaintiff had a pre-existing back condition and had undergone MRIs of her lumbar spine on June 12, 2000, and April 23, 2016. The 2016 MRI was taken after plaintiff had a slip and fall injury. Plaintiff's 2016 medical records state she complained of "pain [in] low back radiating into right lower extremity" ten days after her slip and fall injury and mentioned disc bulges at L3-4 and L4-5.

The record also shows plaintiff underwent an MRI of her lumbar spine in 2000, which revealed "diffuse disc bulge with mild spinal stenosis at L4 -5. Diffuse disc bulge at L3-4." The 2000 MRI report also noted "multilevel loss of the normal T2 disc signal consistent with multilevel mild degenerative disc disease."

At her deposition, plaintiff—then eighty years old—denied having any prior neck injuries and testified she did not remember having any prior back injuries. In his report, Dr. Fleischhaker stated that plaintiff complained to him about headaches, neck and low back pain, radiating pain to her right arm and right leg, and orthopedic complaints to her right shoulder and right wrist. Plaintiff did not report any pre-existing injuries to Dr. Fleischhacker.

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Nevertheless, in his progress notes dated September 10, October 8, and December 9, 2019, and February 6, 2020, concerning plaintiff's treatment, Dr. Fleischhacker also stated plaintiff had "cervical disc degeneration, mid-cervical region, unspecified level," which was being assessed. 1 In his expert report, Dr. Fleischhacker opined that plaintiff suffered permanent injuries to her cervical and lumbar spines and an aggravation of pre - existing asymptomatic degenerative changes in the spine. Plaintiff's expert did not state whether the "degenerative changes" were in just the lumbar spine or just the cervical spine or both. Moreover, the expert did not provide a comparative analysis of plaintiff's pre-accident and post-accident conditions and injuries.

NJM moved for summary judgment contending that plaintiff could not prove causation without a comparative analysis of her pre-accident and post- accident conditions because she had the same conditions before the accident. NJM argued that to prove negligence, plaintiff has the burden to establish four basic elements: duty, breach, causation, and resulting damages, and that the negligence was the proximate cause of the injury. NJM contended that it was

1 Dr. Fleischhacker's records indicate plaintiff's diagnosis as "M50.320," which describes "other cervical disc degeneration, mid-cervical region, unspecified level."

A-2553-23

not enough for plaintiff to allege she has neck and back pain; rather, she must prove that she sustained injuries or damages as result of the automobile accident.

NJM argued the issues concerning medical causation are "complex" in light of plaintiff's prior history of neck and back "pain and treatment," which occurred before the 2019 accident. NJM asserted plaintiff cannot maintain a claim of personal injury without expert medical opinion establishing that her injuries were caused by the February 1, 2019 accident, and were not a "continuation of her pre-existing degenerative disc disease in her spine that was well-documented in her MRI reports and treatment records." NJM posited the average juror "cannot and should not" engage in a comparative medical analysis because such a determination is "beyond the ken" of a layperson and "beyond the realm of common knowledge."

Plaintiff opposed NJM's motion for summary judgment. Plaintiff countered that no comparative analysis is required because in her complaint, she did not assert an aggravation or exacerbation of any pre-existing injuries. Plaintiff maintained that NJM failed to produce any evidence of her prior "injuries, treatment, complaints, diagnostic tests or any reference" to any prior neck injuries. According to plaintiff, since she did not allege an aggravation of pre-existing injuries, she is not required to produce comparative medical

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evidence on the issue of causation under Davidson v. Slater, 189 N.J. 166, 181 (2007). Plaintiff avers that in a "non-aggravation AICRA 2 case" as here, the Davidson Court held plaintiff does not have to produce a comparative analysis to establish causation in order to vault the verbal threshold.

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