GEICO has initiated a federal lawsuit against six Miami-area medical facilities, accusing them of submitting more than $5.2 million in fraudulent bills for no-fault auto insurance claims. The insurer filed the complaint on July 6, 2026, in the U.S. District Court for the Southern District of Florida, naming the clinics, their owners, and the physicians listed as medical directors.
The lawsuit centers on Florida’s personal injury protection (PIP) system, which covers medically necessary treatment following vehicle collisions. GEICO alleges that the clinics falsely presented themselves as properly licensed health care facilities under state law while functioning primarily as mechanisms to generate unlawful insurance payments. The complaint states that this alleged scheme began no later than 2021.
According to the filing, the clinics utilized pre-determined protocols designed to maximize billing rather than address genuine injuries. GEICO claims that most patients involved did not suffer significant harm but were still subjected to standardized examinations, imaging, and therapy sessions. The insurer argues these steps were arranged to artificially justify subsequent charges.
A significant portion of the complaint addresses staffing and supervision issues. GEICO asserts that services billed as physical therapy were actually performed by massage therapists, unsupervised assistants, and unlicensed individuals. Florida law prohibits PIP payments for massage services or those provided by massage therapists.
The insurer further alleges that the named medical directors failed to provide legitimate daily oversight, with one licensing application indicating a director was present only once per month. One osteopathic physician is accused of serving as the medical director for all six locations.
The suit details specific payments GEICO made to each facility, totaling at least $2.08 million, $821,000, $938,000, $1.05 million, $320,000, and $71,000 respectively. The insurer is seeking damages, treble damages under federal racketeering statutes, and a judicial declaration that it owes nothing on more than $75,000 in pending claims.