In AA Suncoast Chiropractic Clinic, PA v. Progressive America Ins. Co., a group of Florida chiropractic clinics filed a class action lawsuit against an insurance company, claiming the insurer breached its contract when it failed to reimburse the medical providers for the care each provided following various motor vehicle collisions.
Under Florida law, motorists are required to carry no-fault personal injury protection (PIP) coverage of $10,000 in order to pay for emergency medical treatment. According to the group of chiropractic clinics, the insurer reclassified the treatment each insured person at issue received as non-emergency care after the insureds were treated. As a result, the insurance company allegedly opted to reduce the PIP policy limits to $2,500, pursuant to Section 627.736 of the Florida Statutes. After doing so, the insurer denied full payment to the clinics. In their complaint, the group of clinics sought both declaratory and injunctive relief.