On February 5, 2026, GEICO filed two separate federal lawsuits in New York and Florida, alleging fraud schemes that together extracted more than $6 million from the no-fault insurance system.
The twin filings - one targeting a pharmacy, the other a network of healthcare providers - offer a revealing look at how insurers allege fraudsters exploit the personal injury protection system.
In the Eastern District of New York, GEICO has named People's Choice Pharmacy NY Corp. and its owners, Michael London and Michelle Koliskor, as defendants. The insurer alleges the pharmacy submitted approximately $2.5 million in fraudulent pharmaceutical billing to GEICO, overwhelmingly targeting expensive topical prescription drug products. According to the filing, these products were dispensed in a "predetermined protocol fashion, without regard for genuine patient care." GEICO alleges it has paid approximately $1,018,000 on those claims.
The Florida case, filed in the Middle District's Orlando Division, casts a wider net. GEICO has named Sentinel Health Care and Rehab Center LLC, First Choice Care Chiropractic & Rehabilitation Center, Inc, R. Diane Copeland, D.C., S. Viroja P.A. d/b/a Shree MRI, and Jagmohan Nathalal Viroja, M.D. as defendants. The insurer seeks to recover more than $5,000,000 it alleges was wrongfully obtained through fraudulent charges for purported examinations, chiropractic services, physical therapy services, and MRI imaging.
What connects these cases is not just their timing but their legal strategy. Both invoke the Racketeer Influenced and Corrupt Organizations Act - RICO - a statute more commonly associated with organized crime prosecutions.
In the New York filing, GEICO alleges People's Choice Pharmacy's "business is racketeering activity, inasmuch as the enterprise exists for the purpose of submitting fraudulent charges to insurers." The Florida filing similarly alleges defendants operated through "pre-determined fraudulent protocols designed to financially enrich the Defendants, rather than to treat or otherwise benefit the Insureds."
Both filings also point to a tactical obstacle insurers face: defendants allegedly understand that pursuing collection through numerous separate arbitration proceedings makes it impractical for any single arbitrator to uncover a larger fraud pattern.
Under Florida law, insurers are only required to pay for services deemed "medically necessary" - defined as care a prudent physician would provide in accordance with generally accepted standards of medical practice. GEICO alleges the treatments at issue do not meet that standard.
GEICO is seeking treble damages under RICO in both matters.
No court has ruled on the merits of either case. The defendants have not publicly responded to the allegations.
