The filing details how, since at least 2019, the clinics and individuals billed for a range of services – initial and follow-up exams, physical therapy, chiropractic care, and percutaneous electrical nerve stimulation (PENS) treatments – purportedly provided to Florida accident victims. According to GEICO, these services were delivered under pre-set protocols designed to maximize billing, not to address real injuries. The insurer claims that, in many cases, the treatments were medically unnecessary or not performed at all.