On appeal, State Farm pushed back, citing recent Florida Supreme Court decisions that clarified the intent of the No-Fault Law. In MRI Associates of Tampa, Inc. v. State Farm (2021) and Allstate Insurance Co. v. Revival Chiropractic, LLC (2024), the state’s highest court ruled that the Medicare fee schedule is intended to serve as a cap, not a required reimbursement amount. According to those rulings, insurers remain free to pay 80% of what the provider actually billed if it falls below the statutory threshold.