Insurance

Why Is the Insurance Adjuster Being So Nice? What Florida Accident Victims Should Know

October 22, 2026 | Wolfson & Leon

An insurance adjuster may be friendly, helpful, and genuinely pleasant, but that does not mean the adjuster represents your interests. The adjuster’s job is to investigate the claim, gather information, evaluate the insurance company’s exposure, and work toward resolving the claim.

That distinction matters after a Florida car accident. A comfortable conversation can lead you to volunteer details about fault, your injuries, prior medical problems, or your recovery before you fully understand their significance.

You don’t need to assume every friendly question is a trick. You should, however, understand who the adjuster represents, why information is being requested, and whether you are required to provide it before answering detailed questions or accepting a settlement.

What Medical Records Can an Insurance Company Get After a Florida Personal Injury Claim?

October 15, 2026 | Wolfson & Leon

An insurance company does not automatically have the right to see your entire medical history simply because you filed a personal injury claim in Florida. However, the insurer can reasonably request medical records related to the injuries and damages you are claiming, and additional records may become relevant if they involve prior injuries, pre-existing conditions, medications, or emotional distress connected to the claim.

HIPAA protects the privacy of medical information, but it does not prevent relevant medical records from being disclosed with your authorization or through proper legal procedures.

Before signing a broad medical authorization, understand which records the insurer is requesting, how far back the request goes, and why those records are relevant to your claim.

Is Florida Personal Injury Law Too Complex for ChatGPT?

March 24, 2026 | Wolfson & Leon

Yes. Florida personal injury law is far too complex, nuanced, and unforgiving for ChatGPT, Gemini, Grok, Claude, Perplexity, Microsoft Copilot, DeepSeek, or any other large language model. These AI tools can recite basic statutes, but they cannot apply them correctly in the real world — and the mistakes they cause can permanently damage or destroy your claim.

Even licensed attorneys from other states often stumble when handling Florida personal injury cases. The rules are layered, interconnected, and full of traps that only come from years of hands-on experience. AI tools like ChatGPT might regurgitate basic statutes, but they can’t navigate the real-world application, exceptions, timing, or local nuances that determine whether your claim succeeds or fails.

This is the third article in our series “AI vs. Real Florida Lawyer: Why ChatGPT Can’t Replace Experience, Relationships & Results in Your Personal Injury Case”. We’ll prove why Florida’s system is too intricate for any AI — no matter how advanced — and show why Wolfson & Leon’s decades of experience makes them the reliable choice for injured Floridians.

Apartment Living Comes with Hidden Risks

May 15, 2025 | Wolfson & Leon

Living in or visiting a Miami apartment complex offers convenience and community, but it can also mean navigating unexpected dangers—slip and falls from neglected stairs, slippery lobbies, or poorly lit halls. Tenants and guests alike face these risks, yet many don’t realize they have legal recourse when a landlord’s negligence causes harm. At Wolfson & Leon, with over 60 years of advocating for injury victims, we’ve seen how apartment hazards disrupt lives. This guide outlines common dangers, landlord duties, and the distinct rights of tenants versus guests—plus how our personal injury attorneys can help you recover.

Common Hazards: What Causes Apartment Slip and Falls

Apartment complexes are rife with potential trouble spots, especially in busy, humid Miami. Watch for these frequent culprits:

Rules and Regulations for Insurance Companies and Adjusters in Florida

February 26, 2024 | Wolfson & Leon

In Florida, insurance companies and adjusters are governed by a set of rules and regulations designed to protect consumers and ensure fair and ethical practices in the insurance industry. These rules are primarily outlined in the Florida Insurance Code and are enforced by the Florida Department of Financial Services (DFS).

Here are the key aspects of the rules that govern insurance companies and adjusters in Florida:

Prohibited Actions: Insurance companies and adjusters in Florida are prohibited from engaging in certain actions, including:

What To Do with Your Homeowners Insurance Complaints in Florida

August 16, 2023 | Wolfson & Leon

Miami-AM If you need to file a complaint about a homeowners insurance company in Florida, you can follow these steps:

1. Contact Your Insurance Company: Before escalating the situation, it’s a good idea to contact your insurance company directly. Explain your concerns and give them a chance to address the issue.

2. Florida Department of Financial Services (DFS): The DFS oversees insurance regulations in Florida and provides assistance with insurance-related complaints. You can file a complaint through their website or by contacting their Consumer Helpline:

Carsharing Accidents in Florida

June 9, 2019 | Wolfson & Leon

TextingDriver-1024x682 Turo and Getaround are the latest entries into the transportation landscape of South Florida. Think of it as an “Airbnb for cars”. It is also commonly referred to as the “car sharing” industry. Unlike Uber or Lyft, which are “ride-sharing”, car sharing companies such as Getaround and Turo offer to rent you someone’s car. The car owners place their vehicle for rent by the hour or by the day or week on the car sharing company app. But as with all vehicles, especially in Florida, the question ultimately becomes who will pay for injuries and damages in an accident caused by a Turo or Getaround driver and vehicle. That is where the Florida car sharing accident lawyers at Wolfson & Leon can help. If you were injured in an accident involving a Turo or Getaround car, then call the Turo accident lawyers or Getaround accident attorneys at Wolfson & Leon at 305-285-1115 for your free consultation.

Getaround Car Accidents

In 2009, Getaround was founded in San Francisco. It was launched at the TechCrunch Disrupt in 2011. It began in Portland Oregon with the assistance of a Federal Highway Administration grant of more than $1.7 billion. As recently as April 2019, Getaround bought the carsharing company Drivy for approximately $300 million. It operates in Washington DC, Denver, Los Angeles, San Diego, Atlanta, Philadelphia, Seattle, New Jersey, San Francisco, Boston, Chicago and South Florida including Miami.

What’s the Difference Between Comprehensive and Collision Insurance in Florida?

January 28, 2019 | Wolfson & Leon

Ramp When people think of auto insurance, they probably think of the comprehensive and collision insurance. But, most do not actually full understand the terms. So, what is the difference?

Comprehensive and collision insurance are two of the most common types of auto insurance that are offered to repair damaged vehicles. The two insurances, however, act very differently as they cover different types of damage.

Comprehensive car insurance is meant for damages which are caused by non-collision-related damages. So, anything that deals with inclement weather or theft or vandalism. Collision insurance, on the other hand, is meant for damages just caused by collisions. In both types of insurance, the coverage may include individual repairs or a full replacement of your vehicle.

How Could Instacart Not Be Insured?

July 23, 2018 | Wolfson & Leon

You might be surprised by this but Instacart doesn’t provide commercial automobile insurance coverage for its drivers. As a result, most Instacart drivers will not be insured. The Instacart driver may have their own car insurance, but unless they disclosed to the insurer that they were using that vehicle for commercial purposes then the personal car insurer is likely to deny coverage.

The only remaining option is for the Instacart driver to purchase and pay for their own commercial policy of insurance – and that is extremely unlikely as it is not required by law and the cost of a commercial policy is prohibitive. After all, we are talking about hard-working people trying to hustle and make a few bucks by shopping and delivering food for people.

Instacart in Florida

Miami Lyft Driver Killed in DUI Accident

August 24, 2017 | Wolfson & Leon

Car_crash_2 In March of 2017, a Lyft driver in Miami was killed in a Little Havana accident. The other driver was charged with DUI (Driving Under the Influence) for being high on crystal meth and cocaine. There were four passengers in the Lyft driver’s vehicle who were taken to the hospital. The family and survivors of the deceased driver and the passengers would benefit from the advice of a Lyft car accident attorney in Miami. These victims all face a potentially complex situation of insurance coverage.

Nicholas Castelao was ultimately charged with DUI manslaughter for driving while high on crystal meth. The Lyft driver he killed was Robert Torra. The accident happened in the residential area at the intersection of SW 25^th Avenue and SW 17^th Street. Castelao told a nurse at Jackson Memorial that he was high on meth. In addition, the investigating officers found a drug pipe near the vehicle after the accident. At the hospital, a nurse’s aide found 3 bags of drugs in the pockets of Castelao.

It is so sad that the selfish decision to drive while under the influence tragically impacted the Lyft driver and his four passengers. Not only were those folks affected, their families and friends also felt the impact. The unintended consequences of a tragic car accident extend far and wide.