UNITED AUTOMOBILE INSURANCE
v.
ZENITH MOBILE DIAGNOSTIC

11th Cir. Ct. App. Div. | 2020-06-17
No. 2018-000145-AP-01
1 FLCA 6901 Eleventh Judicial Circuit Court, Appellate Division (2020)

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Synopsis

United Automobile Insurance appeals a summary judgment award to a medical provider over disputed charges for services rendered to an insured auto accident victim. The appellate court reversed, finding the trial court abused its discretion by excluding the insurer's adjuster's affidavit that created a genuine factual dispute regarding the reasonableness of the medical bills.


Holding

The trial court abused its discretion in excluding the adjuster's affidavit. Because the affidavit of a qualified insurance adjuster with relevant expertise created a genuine issue of material fact regarding the reasonableness of the medical bills, summary judgment was improper and the case must be remanded for trial.


Headnotes

[1] An insurance adjuster with over 20 years of experience, familiar with reimbursement rates and usual and customary charges in a specific geographic area, may offer an opin…

[2] A trial court abuses its discretion by excluding an affidavit that raises a genuine issue of material fact regarding the reasonableness of medical charges.

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Key Quotes

“it was an abuse of discretion to exclude UAIC's conflicting affidavit on whether the medical bills at issue were reasonable in price.”

Establishes the legal standard that excluding conflicting affidavits on reasonableness of charges constitutes reversible error.

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Facts & Procedural History

Lorna Cesar was injured in an auto accident and received medical services from Zenith Mobile Diagnostic. UAIC, the auto insurer, stipulated that the m…

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Opinion of the Court

Before: TRAWICK, WALSH and B. ARECES1, JJ.

OF RECORD AND TO ANY PARTY

NOT REPRESENTED BY COUNSEL.

[*5] Copies Furnished to: [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected]

Footnotes
1 Judge Areces did not participate in the original review panel. Filing # 113398987 E-Filed 09/15/2020 02:46:41 PM [*2] Page 2 of 4 PER CURIAM United Automobile Insurance Company (UAIC) appeals the trial court’s order granting final summary judgment on behalf of the Provider, Zenith Mobile Diagnostic, the assignee of the insured, Lorna Cesar. UAIC stipulated that the medical bills were related to the insured’s auto accident and that the services provided were medically necessary. The only issue remaining to be determined was whether the bills were reasonable in price. Here, the trial court rejected the conflicting affidavit offered by UAIC of its adjuster, Monica Johnson. The trial court found, “that Monica Johnson’s affidavit fails to create an issue of fact as to reasonableness of Plaintiff’s charges.” As this panel and the majority of prior panels from this Court have found, it was an abuse of discretion to exclude UAIC’s conflicting affidavit on whether the medical bills at issue were reasonable in price. As her affidavit reflected, Ms. Johnson has been an insurance adjuster for more than 20 years. She has been responsible for adjusting PIP claims for multiple insurers for much of that time. She is familiar with reimbursement rates under different fee schedules as well as the usual and customary charges and payments accepted by providers in the tri-county area. Based on her background, experience and knowledge, she opined that the charges exceeded a reasonable amount. Taking UAIC’s excluded affidavit into account, it was error to grant summary [*3] Page 3 of 4 judgment. See United Automobile Ins. Co. v. Miami Dade County MRI Corp., a/a/o Tania Cazo, FLWSUPP2804CAZO (Fla. 11th Cir. Ct. June 17, 2020); United Auto. Ins. Co. v. Miami-Dade MRI a/a/o Bermudez, 2018-164 (Fla. 11th Cir. Ct. June 3, 2020); State Farm Mutual Ins. Co. v. Gables Insurance Recovery a/a/o Yuderis Rego, 27 Fla. L. Weekly Supp. 860a (Fla. 11th Cir. Ct. Nov. 20. 2019); United Automobile Insurance Co. v. Open MRI of Miami Dade, Ltd. a/a/o Rosa Castillo, Case No. 2017-326-AP-01 (Fla. 11th Cir. Ct. Nov. 6, 2019); United Automobile Insurance Co., Appellant, v. Miami Dade County MRI, Corp. a/a/o Marta Figueredo, 27 Fla. L. Weekly Supp. 506b (Fla. 11th Cir. App. July 30, 2019); United Automobile Insurance Co., Appellant, v. Miami Dade County MRI, Corp. a/a/o Javier Rodriguez, 27 Fla. L. Weekly Supp. 225c (Fla. 11th Cir. Ct. July 25, 2019); United Automobile Insurance Co., Appellant, v. Miami Dade County MRI, Corp. a/a/o Rene Dechard, 27 Fla. L. Weekly Supp. 226a (Fla. 11th Cir. Ct., August 12, 2019); United Automobile Insurance Co., Appellant, v. Millennium Radiology, LLC a/a/o Javier Rodriguez, 25 Fla. L. Weekly Supp. 911b (Fla. 11th Cir. Ct., July 19, 2019). Accordingly, the summary judgment and final judgment entered below are hereby REVERSED, and this cause is REMANDED to the trial court. Appellee’s Motion for Attorney’s Fees is DENIED. Appellant’s Motion for Attorney’s Fees is conditionally GRANTED (conditioned upon Appellant [*4] Page 4 of 4 ultimately prevailing and the enforceability of the proposal for settlement) and REMANDED to the trial court to fix amount. TRAWICK, WALSH, and B. ARECES, J., JJ., concur. COPIES FURNISHED TO COUNSEL

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