Nichols, who had a Personal Injury Protection policy with State Farm, was injured in a car collision. After she missed an appointment with the insurers' physician, State Farm stopped benefits under PIP. Nichols sued. State Farm offered $250 to settle medical bills and pay attorney fees. Nichols rejected it and the case went to trial. Nichols lost. State Farm sought and was awarded $23,199 in attorney fees. Nichols challenged the award. The 5th District Court of Appeal asked the Florida Supreme Court to determine if state law and court rule provide for recovery of attorney fees by an insurer in PIP cases.