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Insurance -- Personal injury protection -- Class action -- Plaintiff's theory that she was improperly billed by medical providers for balance of bills that were only partially paid by PIP insurer due to its election to limit reimbursement to statutory fee schedule without notification of insured fails to state cognizable claim for relief -- Where nsurer did not make election in policy to limit reimbursement to statutory schedule there was no prohibition against balance-billing pursuant to section 627.736(4)(a)5 -- Moreover, any balance-billed payments made by plaintiff are extra-contractual payments that insurer cannot forbid provider from billing -- Individualized determinations of proposed class members' compliance with demand letter requirement and reasonableness and coverage of each member's medical bills render action inappropriate for class action treatment -- Claim for declaratory relief is improper because declaratory relief is not primary relief sought and plaintiff has adequate remedy at law
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