MEMORANDUM
EDWIN M. KOSIK, District Judge.
The instant tort action arises from a motor vehicle accident wherein Plaintiffs, Keith Charles Johnson ("Johnson") and Janelle Rollins ("Rollins"), his wife, allegedly suffered injuries caused by Defendant Victoria L. Murphy ("Murphy") while driving Defendant Beth Davenport's ("Davenport"), Jeep Wrangler on Interstate 80 in New Jersey. (Doc. 1, Complaint). Before the Court is a motion for summary judgment (Doc. 17) filed by Defendants based upon an alleged failure to satisfy the verbal threshold requirements of N.J.S.A. § 39:6A. This motion has been fully briefed by both parties and is now ripe for disposition. This Court has subject matter jurisdiction over this matter pursuant to 28 U.S.C. § 1332, diversity jurisdiction.1
I. Background
On March 29, 2012, while traveling on Interstate 80 in Morris County, New Jersey, Plaintiffs were struck from behind by Defendant Davenport's Jeep Wrangler, being driven by Defendant Murphy. (Doc. 1, Complaint, at ¶¶ 6, 8-9; Doc. 17, Defs.' MSJ, at ¶¶ 3 and 4; Doc. 18, Pltfs.' Answer to MSJ, at ¶¶ 3 and 4). As a result of the accident, Plaintiff Johnson alleges he suffers from pain and soreness in his back, hip, and thigh area, and pain from the left calf area down to and across his foot to his left big toe (Doc. 18-4, Johnson Dep., at 13-15).
Plaintiff Johnson has been seen by a number of doctors as a result of this incident. He was seen by his primary care physician, Dr. Chityatt in New York City, where Johnson works, and was then referred to Dr. Balkin, a physiatrist. Dr. Perna continued the care for Johnson once Dr. Balkin left the practice. Johnson had an MRI of his lumbar spine and a number of epidural injections. (Doc. 23-1, Pltfs.' SMF, Ex. A, Dr. Epstein Report). The MRI of the lumbar spine showed a large left foraminal herniated disc at L5-S1, broad disc bulges at L3-4 and L4-5, and a small central herniated disc at L4-5. (Doc. 18-2, Johnson MRI Report). He underwent laser surgery in Texas with Dr. Williams on May 1, 2014. (Doc. 23-1, Pltfs.' SMF, Ex. A, Dr. Epstein Report; Doc. 18-4, Johnson Dep., at 29). Johnson was later examined by Dr. Epstein of Northeastern Rehabilitation Associates, P.C. on February 16, 2015. Dr. Epstein noted that Johnson's left L5 radiculopathy and the distribution of his symptoms were consistent with left L5 nerve root injury. (Doc. 23-1, Pltfs.' SMF, Ex. A, Dr. Epstein Report). Dr. Epstein provides that Johnson has evidence of left S1 radiculopathy and has lingering left L5-S1 symptoms. In an addendum to his February office note, Dr. Epstein added on June 1, 2016, that Johnson's left L5 radiculopathy and left S1 radiculopathy, with lumbar disc protrusion (associated annular tear), all constitute serious bodily injuries and are referable to the motor vehicle accident. (Id.)
Like her husband, Plaintiff Rollins has also seen a number of doctors since the incident. As a result of the accident, Rollins alleges she suffered injuries to the back of her head, her lower neck and back, and overall bodily soreness. (Doc. 18-6, Rollins Dep., at 23-24). A MRI of her lumbar spine indicates Rollins has an annular tear at the L4/L5 level as well as a mild disc bulge at the L5/S1 level (Doc. 18-5, Rollins MRI Report). Dr. Epstein also examined Rollins and found a history of cervical sprain/strain referable to the accident. Dr. Epstein further noted that she has a bilateral sacroiliac sprain/strain and bilateral lower lumbar facet sprain/strain also referable to the accident. (Doc. 23-2, Pltfs.' SMF, Ex. B, Dr. Epstein Report). Dr. Epstein also provided an addendum to his initial report for Rollins and states that her diagnoses of cervical sprain/strain and sacroiliac sprain/strain both constitute serious bodily injuries and are a result of the auto accident. (Id.)
II. STANDARD OF REVIEW
Summary judgment is appropriate when "the pleadings, depositions, answers to interrogatories, and admissions on file, together with the affidavits, if any, show that there is no genuine issue as to any material fact, and the moving party is entitled to judgment as a matter of law." FED. R. CIV. P. 56(c). An issue is "genuine" if there is sufficient evidence with which a reasonable jury could find for the non-moving party. Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248 (1986); Childers v. Joseph, 842 F.2d 689, 693-94 (3d Cir. 1988) (citing Anderson, 477 U.S. at 248). A factual dispute is "material" if it might affect the outcome of the case. Anderson, 477 U.S. at 248. In determining whether an issue of material fact exists, the court must consider the evidence in the light most favorable to the non-moving party. Skerski v. Time Warner Cable Co., 257 F.3d 273, 278 (3d Cir. 2001); White v. Westinghouse Elec. Co., 862 F.2d 56, 59 (3d Cir. 1988).
A party seeking summary judgment always bears the initial burden of informing the court of the basis of its motion and identifying those portions of the record that it believes demonstrates the absence of a genuine issue of material fact. Celotex Corp. v. Catrett, 477 U.S. 317, 322 (1986). The non-moving party then has the burden to "come forth with `affirmative evidence, beyond the allegations of the pleadings,' in support of its right to relief." U.S. Bank, Nat'l Ass'n v. Greenfield, Civ. Action No. 1:12-CV-2125, 2014 WL 3908127, at *2 (M.D. Pa. Aug. 11, 2014) (quoting Pappas v. City of Lebanon, 331 F.Supp.2d 311, 315 (M.D. Pa. 2004)). "If a party fails to properly support an assertion of fact or fails to properly address another party's assertion of fact as required by Rule 56(c)," a court may grant summary judgment or consider the fact undisputed for purposes of the motion. Fed. R. Civ. P. 56(e)(2-3).
III. DISCUSSION
A. Applicability of the Deemer Statute
The parties do not dispute that New Jersey law applies to this cause of action.2 In New Jersey, the Automobile Insurance Cost Reduction Act ("AICRA") was enacted to control the rising cost of automobile insurance and to achieve lower insurance premiums. See N.J.S.A. § 39:6A-1.1, et seq.; Dyszel v. Marks, 6 F.3d 116, 119-20 (3d Cir. 1993). Limitations were established under AICRA in filing lawsuits for non-economic damages in automobile cases and was intended to foreclose recovery for injuries that are not serious or permanent. See Serrano v. Serrano, 874 A.2d 1058, 1062 (N.J. 2005).
Persons buying automobile insurance choose between two types of coverage — full tort and basic tort. The full or traditional tort option, allows unrestricted recovery of non-economic damages. N.J.S.A. § 39:6A-8(b). The insured who elects that option pays a higher premium in return for the unlimited right to sue. The basic tort option, also known as the "verbal threshold" option, allows recovery for non-economic losses only if the injuries fall into one or more of six enumerated statutory categories. N.J.S.A. § 39:6A-8(a). Those categories of injuries are: (1) death; (2) dismemberment; (3) significant disfigurement or significant scarring; (4) displaced fractures; (5) loss of fetus; or (6) a permanent injury within a reasonable degree of medical probability, other than scarring or disfigurement. N.J.S.A. § 39:6A-8(a).3 An injury is considered to be permanent "when the body part or organ, or both, has not healed to function normally and will not heal to function normally with further medical treatment." Id.
The Tanicello court explained the New Jersey "deemer" statute as follows:
The two options of tort recovery are not available to non-resident insureds. All non-resident insured who purchase insurance from a company licensed in both New Jersey and in their home state are "deemed" by operation of law to have selected the basic tort option, that is, the "verbal threshold," under New Jersey law. This is true whether or not the out-of-state insured has full coverage in his home state policy, including coverage for non-economic injuries. The deemer statute only applies if the nonresident insured purchased his policy from an insurance company which is licensed both in New Jersey and in another state in the United States or a province of Canada. If the insurer is not licensed to do business in New Jersey, the deemer statute does not bar a non-resident's claim for non-economic losses.
Tanicello v. Sheg Xiao, Civ. No. 95-7666, 1996 WL 547206, at *3 (E.D. Pa. 1996). The Third Circuit has similarly explained that the "deemer statute limits the right of non-residents of New Jersey to sue for non-economic (pain and suffering) loss by automatically assigning the so called verbal threshold tort option under N.J.S.A. § 39:6A-8(a) to out-of-state residents involved in accidents occurring in the State of New Jersey, solely on the basis of whether their automobile (auto) insurance carrier is authorized to transact business in the State of New Jersey." Dyszel v. Marks, 6 F.3d 116, 119 (3d Cir. 1993).
In the instant action, at the time of the alleged personal injuries arising form the motor vehicle accident, both Defendants were citizens of New Jersey and insured under a New Jersey policy of insurance. Both Plaintiffs were citizens of the Commonwealth of Pennsylvania. Additionally, Plaintiffs were insured by Geico, a corporation licensed to transact business in New Jersey. As such, Plaintiffs are "deemed" by operation of New Jersey law, to have selected the basic tort option, that is, the verbal threshold option. N.J.S.A. § 17:28-1.4. Thus, they cannot recover non-economic losses unless their bodily injury is of a type or degree that falls within one of the six statutorily enumerated categories. See N.J.S.A. § 39:6A-8(a). Therefore, we now must determine whether Plaintiffs have met the requirements of the verbal threshold in order to defeat Defendants' motion for summary judgment.
B. Verbal Threshold
To overcome the verbal threshold, AICRA requires that, within 60 days following the answer to the complaint, a plaintiff must, "provide the defendant with a certification from the licensed treating physician or a board-certified licensed physician to whom the plaintiff was referred by the treating physician" stating that the plaintiff has suffered a statutorily described injury. Id.4 A court may grant summary judgment if the certification does not rely on objective medical evidence. See Davidson v. Slater, 914 A.2d 282 (N.J. 2007). Objective medical evidence must be derived from accepted diagnostic tests and cannot be "dependent entirely upon subjective patient response." Id. at 291 (quoting N.J. Stat. Ann. § 39:6A-8(a)). Accepted diagnostic tests are listed in the New Jersey Administrative Code. See N.J.S.A. § 39:6A-4.7; N.J. Admin Code § 11:3-4.5.
Courts have found that "[e]vidence of bulging discs . . . [is] sufficient to overcome a motion for summary judgment for failure to meet the verbal threshold requirement." Ort v. Quiver Farms Projects, Inc., Civ. No. 3:12-4630, 2014 WL 2805270, at *3 (D. N.J. June 20, 2014) (citing Pollner v. Perry, Civ. No. A-2125-04T32125, 2005 WL 2708876, at *2 (N.J. Super. Ct. App. Div. Oct. 24, 2005)). The existence of a herniated disc also satisfies the verbal threshold. Pardo v. Dominguez, 889 A.2d 1099, 1011 (N.J.Super. Ct. App. Div. 2006); see also Bennett v. Lugo, 847 A.2d 14, 21 (N.J. Super. Ct. App. Div. 2004) (stating that "if a jury finds that plaintiff's disc herniation has been caused by the current accident, the jury can likewise reasonably find that the injury is serious and permanent") (citing Serrano v. Serrano, 843 A.2d 358 (N.J. Super. Ct. App. Div. 2004), rev'd on other grounds, 874 A.2d 1058 (N.J. 2005) (providing that a herniated disc is an example of a serious and permanent injury).
Here, Defendants argue that Plaintiffs have not produced the requisite medical evidence to meet the verbal threshold, which would allow Plaintiffs' case to proceed for non-economic loss. Specifically, Defendants state that Plaintiffs produced no objective medical evidence that either of Plaintiffs' alleged injures are permanent. Plaintiffs provide a scant record for the Court to review. Plaintiffs appear to rely on Dr. Epstein's reports, opining that both Plaintiffs sustained serious bodily injuries as a result of the motor vehicle accident.5 Dr. Epstein notes that Plaintiff Keith Johnson's injuries involve "the left L5 radiculopathy and left S1 radiculopathy, with lumbar disc protrusion (associated annular tear). . . ." With regards to Plaintiff Janelle Rollins, Dr. Epstein notes that she has a diagnosis "of cervical sprain/strain, [and] sacroiliac sprain/strain." The Plaintiffs further rely on the objective medical evidence in the form of MRI's. Plaintiff Keith Johnson's MRI reveals a "L5-S1 large left foraminal herniated disc leading to marked left foraminal stenosis and impinging on the exiting left L5 nerve root"; "Broad disc bulges"; and "L4-5 small central herniated disc." (Doc. 18-2). Plaintiff Janelle Rollins's MRI reveals a "central annular tear at L4/L5 level"; and mild disc bulge at the L5/S1 level. (Doc. 18-5).
The Court's inquiry on Defendants' motion is whether Plaintiffs' injuries are supported by objective medical evidence that, if believed by the fact-finder, would constitute a permanent injury and, if so, whether the evidence demonstrates a genuine issue of material fact regarding the nature and extent of Plaintiffs' injuries. See Oswin v. Shaw, 609 A.2d 415 (N.J. 1992); Branca v. Matthews, 317 F.Supp.2d 533, 539 (D.N.J. 2004). We find that Plaintiffs have provided sufficient objective medical evidence to satisfy the verbal threshold. Plaintiffs' injuries were diagnosed through MRI studies, which are clearly objective medical evidence. Dr. Epstein, in addition to his examination and review of patient history, determined that the symptoms and findings with regards to both Plaintiffs are serious and directly related to the motor vehicle accident. Furthermore, New Jersey courts have determined that findings of a herniated disc and disc bulges are sufficient to meet the "permanent injury" required for an individual to meet the verbal threshold. See Pardo, 889 A.2d at 1101; Pollner, 2005 WL 2708876, at *2.
Finally, irrespective of Dr. Epstein's failure to state that Plaintiffs' injuries are permanent, there is sufficient objective medical evidence that, if believed by the fact-finder, would constitute a permanent injury. See Ort, 2014 WL 2805270, at *4. Accordingly, the Court finds that the medical evidence submitted by Plaintiffs is sufficient to create a genuine issue of material fact as to whether or not Plaintiffs would meet the verbal threshold if it applied to them. As such, Defendants' motion will be denied.
IV. Conclusion
For the foregoing reasons, we will deny Defendants' motion for summary judgment and grant summary judgment in favor of the Plaintiff. An appropriate order follows.
