The dispute turns on Florida’s Motor Vehicle No‑Fault Law, which requires auto insurers to pay PIP benefits only for services that are both medically necessary and lawfully provided. The statute defines “medically necessary” services as those a prudent physician would provide to prevent, diagnose, or treat an illness or injury, in accordance with generally accepted standards of medical practice, clinically appropriate in type, frequency, extent, site, and duration, and not primarily for the convenience of the patient or provider. It also ties payment to lawful operation, defined as substantial compliance with all relevant criminal, civil, and administrative requirements of state