What happened: GEICO alleges three West Palm Beach clinics billed more than $1.85 million in "fraudulent" PIP claims through near-identical diagnoses and medically unnecessary treatments
Who's involved: Four GEICO entities as plaintiffs; three chiropractic/medical clinics and their two owner-operators as defendants
What's at stake: More than $1.85 million already paid plus $75,000-plus in pending claims, with triple damages sought under RICO
Why it matters: The complaint maps a specific billing playbook that SIU teams and claims adjusters can check against their own open PIP files
Where it stands: Filed October 26, 2026, in the US District Court for the Southern District of Florida
Five passengers climbed out of the same car accident. All five presented at the same Florida clinic on the same day. According to the complaint, all five received near-identical diagnoses.
That detail sits in paragraph 122 of an 86-page federal complaint GEICO filed on October 26, 2026. The passengers were different ages, in different physical condition, and seated in different positions in the vehicle, the filing says. Whatever injuries they suffered - if any - would have been different. Yet at the conclusion of their examinations, the complaint alleges, the clinic gave each of them "substantially similar" soft-tissue injury diagnoses and recommended "a substantially similar course of medically unnecessary treatment."
It is one of twenty such examples in the filing, and one of the milder ones. In most of the claims across three exhibits, according to the complaint, police reports showed the vehicles were drivable and no one was seriously hurt. Most patients never went to a hospital.
GEICO filed the complaint in the US District Court for the Southern District of Florida, naming three clinics - American Med-Care Centers, Boca Injury and Wellness, and Orthopedic & Physical Medicine of the Palm Beaches - along with two chiropractors who allegedly owned and operated them.
All three clinics shared a single address: 3200 Forest Hill Boulevard, West Palm Beach.
The complaint alleges the clinics were set up as separate entities with different tax identification numbers to avoid scrutiny. According to the filing, the arrangement was designed to "reduce the volume of Fraudulent Services billed through any one entity, and thereby conceal and perpetuate their fraudulent PIP billing scheme."
The two chiropractor defendants are married, the complaint says, citing public records. One allegedly owned American Med-Care; the other allegedly owned both Boca Injury and Palm Beach Ortho. GEICO says each routinely referred patients to the other's clinic - a pattern the complaint alleges violated Florida's Patient Brokering Act and Self-Referral Act. Staff were allegedly required to make these referrals "as a condition of their employment."
The clinics claimed a "wholly owned" exemption from Florida's Health Care Clinic Act, the complaint says, which would have excused them from clinic licensing and medical-director requirements. GEICO alleges neither owner actually supervised the clinics' business activities and that two of the three clinics provided services - including physician-performed treatments and pain management injections - outside the scope of a chiropractic license.
The dollar figures break down by entity. GEICO alleges American Med-Care accounted for roughly $1.29 million in paid claims, Boca Injury for roughly $470,000, and Palm Beach Ortho for roughly $85,000. The insurer also asks the court to declare it owes nothing on more than $75,000 in bills still pending.
The filing describes a treatment pipeline it says was applied to virtually every patient regardless of what was actually wrong. An initial exam - billed at $275 through American Med-Care and Boca Injury, or $900 through Palm Beach Ortho - allegedly used template forms and took fewer than 15 minutes, despite being billed under codes that represent 30- or 45-minute sessions requiring complex medical decision-making.
From there, the complaint says, patients were cycled through weeks of physical therapy at the first two clinics - electrical stimulation, mechanical traction, hot packs, chiropractic manipulation - on a schedule that allegedly never changed from one patient to the next.
At Palm Beach Ortho, the complaint describes something more aggressive: lumbar-sacral epidural steroid injections billed at $2,800 each, the filing says, sometimes given less than two months after a minor accident. The complaint alleges patients received these injections before they had tried and failed any conservative treatment - rest, ice, over-the-counter medication - which the filing says should come first under the applicable standard of care.
Boca Injury also billed for extracorporeal shock wave therapy at $650 a session, according to the complaint. The filing states that ESWT "has not been approved by the Food and Drug Administration" for the treatment of back, neck, or shoulder pain and that "there are no legitimate peer-reviewed data that establish the effectiveness of ESWT" for those conditions.
The complaint also alleges the clinics routinely waived PIP deductibles. In "almost all of the thousands of bills" submitted through the three clinics, the filing says, the defendants reported they had collected nothing from patients - a practice the complaint says violates Florida's False and Fraudulent Insurance Claims Statute and renders every charge unenforceable.
The 18 causes of action include claims under the federal Racketeer Influenced and Corrupt Organizations Act - which, if successful, would entitle GEICO to triple damages - as well as common law fraud, unjust enrichment, Florida's Deceptive and Unfair Trade Practices Act, and requests for the court to declare that none of the three clinics is owed a cent on its outstanding bills. GEICO has demanded a jury trial.
The pattern mapped in this complaint - identical diagnoses, split-entity billing, treatments the FDA has not cleared for the conditions being billed, and routine deductible waivers - tracks closely to the red flags that SIU teams and PIP adjusters audit for when reviewing clinic billing in Florida's no-fault system.
The allegations in the complaint have not been tested, and no court has made any finding on the merits of GEICO's claims.
