Two Allstate customers hurt in auto accidents were treated at Holy Cross Hospital. Holy Cross sent their claims for coverage under the "personal injury protection" provisions of their insurance policies to Allstate. Allstate paid the claims but at the rates that Holy Cross charged a "preferred provider organization" or PPO network. Holy Cross filed a lawsuit in county court, arguing that Allstate had not complied with Florida's PIP law in connection with the PPO rates. The trial court entered final judgment in the hospital's favor. Allstate appealed to the Fourth District Court of Appeal, which reversed that ruling. Florida's hospitals and a consumer group have filed briefs in support of Holy Cross; a state insurance association has filed a brief in support of Allstate.