MRI Associates of Tampa, Inc. v. State Farm Mutual Automobile Insurance Company

Summary

The court held that a Florida PIP policy may authorize an insurer to determine reasonable charges using statutory reasonableness factors while also capping reimbursement under the statutory schedule of maximum charges. Because the 2012 statutory notice provision makes the schedule an optional payment limitation rather than an exclusive reimbursement methodology, State Farm's policy clearly and unambiguously authorized its use. The court approved the Second District's result and answered the certified question in the negative.