Taylor M. Cunha v. Dena M. Troisi

CourtNew Jersey Superior Court Appellate Division
DecidedJuly 9, 2026
DocketA-1781-24
StatusUnpublished

This text of Taylor M. Cunha v. Dena M. Troisi (Taylor M. Cunha v. Dena M. Troisi) is published on Counsel Stack Legal Research, covering New Jersey Superior Court Appellate Division primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Taylor M. Cunha v. Dena M. Troisi, (N.J. Ct. App. 2026).

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NOT FOR PUBLICATION WITHOUT THE APPROVAL OF THE APPELLATE DIVISION This opinion shall not "constitute precedent or be binding upon any court ."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-1781-24

TAYLOR M. CUNHA,

Plaintiff-Appellant,

v.

DENA M. TROISI and JOHN TROISI,

Defendants-Respondents,

and

ALLSTATE NEW JERSEY PROPERTY & CASUALTY INSURANCE COMPANY,

Defendant. ___________________________

Submitted March 10, 2026 – Decided July 9, 2026

Before Judges Sumners and Susswein.

On appeal from the Superior Court of New Jersey, Law Division, Monmouth County, Docket No. L-2995-21.

Karim Arzadi, attorneys for appellant (Ernest Blair, on the briefs). John C. Prindiville PA, attorney for respondent (John C. Prindiville, on the brief).

PER CURIAM

In a damages-only trial arising from an auto accident, the jury returned a

no-cause verdict. The jury determined that plaintiff Taylor M. Cunha was not

entitled to pain and suffering damages because she failed to prove a permanent

injury resulting from the accident. The jury was unable to consider plaintiff's

claim for unreimbursed medical expenses because the trial court granted

defendant Dena M. Troisi's motion in limine to exclude the testimony of

plaintiff's surgeon regarding her unreimbursed medical bills.

Plaintiff appeals the trial court's granting of defendant's motion in limine

and overruling of plaintiff's objection to defendant's summation remarks, which

she contended were unduly harsh and disparaging. We affirm.

I.

In 2021, plaintiff sued defendant 1 for pain and suffering and medical bills

arising from a 2019 car accident in which defendant's vehicle collided with

1 Plaintiff also sued John Troisi, the vehicle's owner, and Allstate New Jersey Property and Casualty Insurance Company. However, the trial court granted Troisi's unopposed motion for summary judgment, and the claims against Allstate were dismissed with prejudice under stipulation.

A-1781-24 2 plaintiff's vehicle. Plaintiff underwent medical treatment for lower back pain

which she attributed to the accident. She received "physical therapy,

chiropractic intervention, [and] medical management." She received three

steroid injections, followed by a posterior lumbar foraminotomy with

discectomy. In March 2024, Dr. Edward H. Scheid, Jr. performed a

transforaminal lumbar interbody fusion on plaintiff to resolve her continuing

pain.

In anticipation of a January 2025 trial, Dr. Scheid prepared a May 6, 2024

narrative report opining that plaintiff's back injury and the subsequent medical

treatment was caused by the accident with defendant. He amended his report on

September 13, 2024, after reviewing defendant's independent medical

examination report disclosing that plaintiff's 2015 MRI exam revealed a disk

protrusion in her lower back, and plaintiff's history of chiropractic treatment

dating from 2014 through 2019. Dr. Scheid's new opinion attributed "30% of

. . . [plaintiff's] lumbar symptomatology pathology to pre-existing conditions

with 70% attributed to the subject motor vehicle accident dated [December 18,

2019]." He had previously opined that plaintiff's back ailment was entirely

caused by the accident.

A-1781-24 3 A week prior to the trial, defendant moved in limine to bar plaintiff "from

introducing evidence of medical expenses incurred following plaintiff's

exhaustion of her $15,000 [personal injury protection (PIP)] coverage."

Defendant argued that her $904,000 medical bills were inadmissible because

they did not comply with the PIP fee schedule as required by N.J.S.A. 39:6A-

12.

In deciding the motion during the trial, the court stated that, about four

months earlier, a different trial court advised plaintiff––then represented by

different counsel––that if she was going to have the $904,000 medical bills

introduced into evidence, she needed "to address the [PIP] fee schedule." The

court also noted that plaintiff never responded to defendant's letter to plaintiff

asking for that information. The court limited plaintiff's claim to Dr. Scheid's

bill of $459,599 because there was no "testimony regarding the [remaining] . . .

outstanding bills."

The trial court first cited Jignyasa Desai, D.O., LLC v. N.J. Mfrs. Ins. Co.,

for the proposition that "the amount that the insurer pays for the [medical]

service is determined by whether the service is similar to one already on the

[PIP] fee schedule as required by N.J.A.C. 11:3-29.4(e)." 473 N.J. Super. 582,

585 (App. Div. 2022). The court ruled that Dr. Scheid's fees could be reduced

A-1781-24 4 by the PIP fee schedule as it contained services that were similar to those he

provided plaintiff thereby rejecting plaintiff's contention that she had no such

obligation to comply with the fee schedule. The court held that Dr. Scheid's

billing testimony should be excluded, in part, because "nothing in any of [his]

reports . . . addresses his medical bills." It relied on Congiusti v. Ingersoll-Rand

Co, Inc., where this court held that "a trial judge may in his or her discretion

preclude expert testimony on a subject not covered in the written reports." 306

N.J. Super. 126, 131 (App. Div. 1997).

The court, however, did not explicitly bar plaintiff's entire claim for

unreimbursed medical expenses. The court stated the verdict sheet would

require the jury to decide if Dr. Scheid's surgery was related to injuries sustained

in the auto accident, but it would not decide if his unreimbursed bills would be

paid. The court reasoned that, if the jury decided the surgery was not related,

its exclusion of Dr. Scheid's billing testimony would not be an appealable issue.

Yet, for reasons that are not clear in the record, the court did not follow

through on its remarks by instructing the jury to decide if the doctor's services

were attributable to the accident. The court's jury instructions, which were not

objected to, made no reference to reimbursement for medical expenses. The

verdict sheet only asked the jury: "Has plaintiff . . . proven by a preponderance

A-1781-24 5 of the objective credible medical evidence that she sustained a permanent injury

that was proximately caused by the motor vehicle accident of 12/18/19?" If the

jury decided "no," its duty was finished. If the jury decided "yes," it would then

decide the "amount of money [that] would fairly and reasonably compensate

. . . plaintiff . . . for her pain and suffering, disability, impairment, and loss of

enjoyment of life proximately caused by the motor vehicle accident of

12/18/19?"

During closing arguments, plaintiff objected to defense counsel's remarks

that:

It was painful to sit there and read this deposition transcript and for plaintiff to have to admit that she lied on seven different occasions about her prior medical history.

And you have to ask yourself what's the purpose of that?

....

There's only one purpose for that. We call it secondary gain here . . . but she wanted to make her case look better. . . . What she did was try to hide from us . . . .

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Taylor M. Cunha v. Dena M. Troisi, Counsel Stack Legal Research, https://law.counselstack.com/opinion/taylor-m-cunha-v-dena-m-troisi-njsuperctappdiv-2026.