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Volume 19

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USAA CASUALTY INSURANCE COMPANY, Appellant, v. DPI OF NORTH BROWARD, LLC a/a/o Rachel Negrette, Appellee.

19 Fla. L. Weekly Supp. 925a

Online Reference: FLWSUPP 1911NEGRInsurance — Personal injury protection — Coverage — Medical expenses — Where policy provides that insurer will pay 80% of reasonable medical expenses and does not say that insurer will pay in accordance with permissive fee schedule of section 627.736(5)(a)2.f., insurer is not entitled to limit reimbursement to permissive statutory fee schedule — Even if insurer is correct that PIP statute is incorporated into policy, resulting ambiguity regarding which method insurer would use to calculate reimbursement must be resolved in favor of insured to require that insurer pay greatest amount possible under policy language

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ALL FAMILY CLINIC OF DAYTONA BEACH, INC. d/b/a FLORIDA MEDICAL ASSOCIATES a/a/o BRIANA NEWBY, Plaintiff, vs. STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, Defendant.

19 Fla. L. Weekly Supp. 127a

Online Reference: FLWSUPP 1902NEWBInsurance — Personal injury protection — Coverage — Where insurer elected to reimburse medical provider pursuant to permissive statutory fee schedule and applied Outpatient Prospective Payment System cap, caps insurer cannot belatedly contest reasonableness of charge submitted by provider following decision by district court of appeal disallowing use of OPPS cap

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NEW SMYRNA IMAGING, LLC a/a/o BERNARD GOSHAY, Plaintiff, vs. STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, Defendant.

19 Fla. L. Weekly Supp. 126b

Online Reference: FLWSUPP 1902GOSHInsurance — Personal injury protection — Coverage — Where insurer elected to reimburse medical provider pursuant to permissive statutory fee schedule and applied Outpatient Prospective Payment System cap, insurer cannot belatedly contest reasonableness of charge submitted by provider following decision by district court of appeal disallowing use of OPPS cap — Once insurer elected to use permissive fee schedule, reasonableness of charge became irrelevant and only issue is whether insurer correctly reimbursed provider under fee schedule

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B&D CHIROPRACTIC INC. D/B/A CHIROPRACTIC WORKS (A/A/O ISIDORA GUERRERO), Plaintiff, vs. LIBERTY MUTUAL INSURANCE COMPANY, Defendant.

19 Fla. L. Weekly Supp. 1091a

Online Reference: FLWSUPP 1913GUERInsurance — Personal injury protection — Coverage — Medical expenses — Conclusory affidavit filed in opposition to medical provider’s motion for summary judgment did not severely impeach or create direct conflict with provider’s evidence as to reasonableness of charges — Presuit demand letters were not insufficient for failure to attach insurer’s notices of withdrawal of authorization for any future benefits pursuant to independent medical examination where demand letters did not seek future benefits — Further, insurer waived any defect by failing to advise provider of alleged deficiencies prior to suit

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