A major legal battle is unfolding in Florida, where GEICO and its affiliates have accused a group of medical providers of running a large scheme to submit fraudulent insurance claims. The dispute centers on personal injury protection (PIP) coverage, with GEICO alleging that these clinics and individuals filed thousands of false claims to collect millions in payouts.
The lawsuit, filed in the Southern District of Florida, names Dr. Annie Lyn Casta, several medical clinics, and others involved in the case. According to GEICO, these defendants created a network that routinely misrepresented who actually provided medical services, the seriousness of patients’ injuries, and the validity of treatments billed. The insurer claims many services were either performed or billed under Dr. Casta’s name without proper supervision, often carried out by unlicensed or unsupervised personnel—a clear violation of Florida law.
Several clinics are named in the complaint, including CIMA Medical Center, CIMA Med Center Miami Springs, Castellon Medical Center, and Community Choice Health Network. GEICO says these locations were used to make the fraudulent billing appear legitimate.
One example described in the court documents involves a patient named only as VP who was in a minor car accident in late 2021. Police reports showed no injuries at the scene, yet the clinics billed for an examination as if the injuries were serious. This kind of exaggeration, GEICO argues, is part of a broader pattern designed to boost payouts from insurance claims.
Physical therapy services also feature prominently in the allegations. The insurer charges that many sessions billed as physical therapy were actually provided by massage therapists or unlicensed individuals. Under Florida law, such treatments do not qualify for PIP reimbursement, making these claims both illegal and fraudulent according to GEICO.
Financially, the impact is significant. GEICO states that Community Choice, Garcia Prada, and Dr. Casta have been unjustly enriched by at least $103,400, a figure that could increase as the case moves forward. The insurer is asking the court to declare that it does not owe payment on any outstanding bills and is seeking a trial by jury.
At this stage, these are just allegations. No court has yet ruled on the facts. The defendants will have a chance to respond to the claims as the case continues. The focus remains on stopping what GEICO considers a serious fraud against its PIP coverage in Florida.
This legal action follows other recent lawsuits by GEICO alleging fraud in various states, highlighting ongoing efforts to crack down on deceptive billing practices in the insurance industry.