Ms. Tirado underwent two MRIs after she was hurt in an auto accident. Virtual Imaging billed Geico under Ms. Tirado's PIP insurance policy. Geico paid Virtual a lesser amount based on a fee schedule referenced in state law. Virtual sued, arguing Geico could not use that fee schedule because it was not specifically cited in Ms. Tirado's policy. The trial court ruled in Virtual Imaging's favor. The Third District Court of Appeal upheld that decision and also certified the issue as one of great public importance for this Court's consideration.