GEICO says six Miami-area clinics billed it more than $5.2 million for no-fault treatment that was unnecessary, unlawful, or never really provided.
The auto insurer filed suit on July 6, 2026, in federal court in the Southern District of Florida, naming six clinics along with their owners and the physicians it says served as medical directors. It is seeking damages, treble damages under federal racketeering law, and a ruling that it owes nothing on claims still pending.
The case turns on Florida's personal injury protection system, or PIP, which pays for medically necessary treatment after a crash. GEICO's core claim is that almost none of this treatment qualified.
According to the complaint, the clinics "falsely purported to operate a properly-licensed health care clinic" under Florida's Health Care Clinic Act, but were really used "as a vehicle to submit fraudulent and unlawful PIP insurance billing." GEICO says the conduct "began no later than 2021."
For claims teams, the alleged playbook is the draw. GEICO says treatment followed "pre-determined, fraudulent protocols designed to maximize the billing" rather than to treat real injuries. The filing states that "almost none of the Insureds" had significant injuries, yet nearly all were cycled through the same exams, therapy and imaging, with each step "designed to falsely reinforce the rationale for the previous step."
The billing is spelled out. Initial exams were billed under CPT code 99203, GEICO says, "typically resulting in a charge of $250.00" at one clinic and "$350.00" at another, alongside per-session fees for services like ultrasound, traction and manual therapy.
Much of the complaint focuses on who did the work. Since January 1, 2013, Florida's No-Fault Law has barred PIP payment "for massage or for any services provided by massage therapists." GEICO alleges the clinics billed "physical therapy" actually performed by "massage therapists, unsupervised physical therapist assistants, and unlicensed/unsupervised individuals."
The supervision allegations stand out. GEICO says the medical directors "never provided legitimate, day-to-day supervision" and were present "only occasionally... if at all," citing licensing applications that listed one director as present "only once per month." The complaint says one osteopathic physician purported to serve as medical director at all six clinics. GEICO also alleges the clinics waived or failed to collect co-pays and deductibles, which it says breaks Florida's False and Fraudulent Insurance Claims Statute.
By clinic, GEICO says it paid "at least" $2.08 million, $821,000, $938,000, $1.05 million, $320,000 and $71,000 on the respective bills, and asks the court to relieve it of "more than $75,000.00" in pending claims. The suit brings 36 counts, including RICO violations, common law fraud and unjust enrichment.
The allegations have not been tested, and no court has ruled.
