GEICO has initiated a federal lawsuit against six medical facilities in the Miami area, alleging the clinics submitted more than $5.2 million in personal injury protection (PIP) claims that were unnecessary, unlawful, or never actually provided. The insurer filed the complaint on July 6, 2026, in the U.S. District Court for the Southern District of Florida.
The suit names the six clinics, their owners, and the physicians identified as medical directors. GEICO is seeking monetary damages, treble damages under federal racketeering statutes, and a judicial declaration that it owes nothing on pending claims totaling over $75,000. The complaint asserts that the fraudulent conduct began no later than 2021.
Central to the case is GEICO’s assertion that the clinics misrepresented their operations. The insurer claims the facilities falsely presented themselves as properly licensed health care clinics under Florida law but were instead used to submit fraudulent PIP bills.
GEICO alleges the clinics followed pre-determined protocols designed to maximize billing rather than treat legitimate injuries, cycling patients through identical exams and therapies regardless of their actual condition.
The complaint details specific billing practices, noting that initial exams were billed under CPT code 99203, with charges ranging from $250 to $350 at different locations. Additional fees were applied for services such as ultrasound, traction, and manual therapy.
GEICO states that the clinics billed for physical therapy that was actually performed by massage therapists, unsupervised assistants, and unlicensed individuals, violating Florida laws that prohibit PIP payments for massage services.
Regarding supervision, GEICO alleges that the named medical directors did not provide legitimate day-to-day oversight. The insurer cites licensing applications showing one director was listed as present only once per month. The suit also claims one osteopathic physician purported to serve as medical director for all six locations.