Perun v. Utica Mutual Insurance

SACHAR, J.S.C.

Angela Perun (Perun or plaintiff) brought suit against her PIP carrier for unpaid chiropractic bills and a declaratory judgment action for payment of an annual contract for weekly chiropractic maintenance, referred to as a “wellness program.” Based on a review of the facts of this case and the controlling case law of the State of New Jersey, her claims are denied.

Plaintiff was injured in an automobile accident on July 18,1986. Following the accident, she went to the emergency room. While x-rays of the cervical spine were negative for fracture, they showed marked degenerative…