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GEICO seeks $5.9 million from Florida clinics over alleged PIP fraud
GEICO filed the suit August 18, 2026, and says the clinics billed personal injury protection claims for therapy it alleges was never lawfully provided, including work by massage therapists barred from PIP reimbursement under Florida law.
GEICO is pursuing $5.9 million in alleged damages from five Florida clinics, accusing them of billing personal injury protection claims for treatment that it says was never lawfully provided. Insurance Business reports that four GEICO companies filed a complaint in the US District Court for the Middle District of Florida on August 18, 2026.
The filing targets named clinics, the individuals the complaint says owned and controlled them, and five physicians it says were listed as medical directors. The complaint, which runs 126 pages, pleads 26 causes of action, including claims under the federal racketeering statute, Florida’s deceptive trade practices law, common law fraud, and unjust enrichment.
GEICO is asking for a jury trial and also wants a declaration that it owes nothing on more than $75,000 in pending claims. According to the complaint, Florida’s Health Care Clinic Act requires clinics to be licensed and to appoint a physician medical director who accepts written responsibility for defined duties, including systematic reviews of billings to ensure they are not fraudulent or unlawful.
The dispute hinges in part on Florida’s no-fault rules. Insurance Business notes that effective January 1, 2013, Florida law bars PIP reimbursement for massage and services performed by massage therapists, and GEICO alleges the physical therapy it paid for was performed by unlicensed and unsupervised individuals and by massage therapists, with the defendants allegedly omitting such references from Box 31 of the HCFA-1500 claim form.