Trusted by Top PI Firms
Pre-Litigation Legal Intelligence
As your trusted pre-litigation partner, Coastal provides attorneys with structured due diligence, delivering insight into potential exposure before formal discovery begins.
Coastal's mission is to equip attorneys with early-stage visibility, helping identify nondisclosure risk and bring greater transparency to an area historically limited by incomplete information.
We focus on insurance research and defendant due-diligence, enabling firms to better assess case value, understand potential coverage layers, and make informed decisions at the outset of a case.
Compliance today, leadership tomorrow — Coastal leads the industry in
What's Inside a Coastal Report
Every research report is structured the same way — so your team knows exactly where to look and what to expect, every time.
Coverage Summary
Policy limit analysis at a glance for fast case evaluation.
Defendant Dossier
Asset report, business entities, and background history mapped to the named party.
Same-Day Turnaround
Standard delivery within hours, not weeks — built for pre-suit timelines.
Exposure Analysis
A total potential recovery picture across insurance, defendant recoverability, and jurisdictional behavior.
Risk Flags
Early indicators of other-party signals worth pursuing, plus defendant liens or judgments.
API Capability
Coastal's OpenAPI connects seamlessly to your case management platform. Investigations, automated.
Two Reports. One Clear Picture.
Most cases call for one report or another — sometimes both. Here's what each one delivers, and why it matters.
Policy Limit Analysis
Coverage-FocusedAnswers one question fast: how much coverage may actually be available based on the defendant's information?Ideal when liability is clear and you're triaging cases by value.
- Personal Policy Limits AnalysisWhy: Helps you understand the coverage possibility of a defendant.
- Commercial Policy Limits AnalysisWhy: Catastrophic injuries require transparency. Most commercial coverage information is available through public channels, but requires deep research to ensure accuracy.
- Policy Existence SearchWhy: Attempts to locate coverage when a carrier is unknown, when available through research channels.
- Background ReportWhy: Helps support findings of the policy limits analysis and show risk factors.
- Asset SearchWhy: May help tie socioeconomic indicators to policy limit predictive analysis, as well as show the recoverability matrix of an individual in a civil claim.
Due Diligence Report
Financial ResponsibilityAnswers the harder question: is there anything to recover beyond the policy? Ideal when limits look low, the defendant's status is unclear, or other assets may be in play.
- Property Ownership & Asset AnalysisWhy: Identifies real property, real estate, and possible equity available.
- Vehicle & Asset ResearchWhy: Surfaces tangible assets that may extend the recovery picture.
- Business Affiliations & EmploymentWhy: Reveals corporate ties and income sources possibly connected to the defendant.
- Bankruptcy, Liens & Judgment ResearchWhy: Shows competing claims that shape your collection strategy.
- Criminal & Civil Litigation ResearchWhy: Past patterns predict settlement posture and exposure.
- Recoverability Path & Risk AnalysisWhy: Synthesizes findings into a clear informational outlook.
Pre-Suit Policy Limit Disclosure by State
In most states an insurer has no duty to reveal liability limits until a lawsuit is filed and formal discovery opens. That single fact pushes attorneys to file suit just to learn what a case is worth — a major driver of crowded dockets. Hover or tap a state to see its rule; tap again to pin it.
High Level Analysis — not a substitute
In non-disclosure states a Coastal report is most useful for sizing a case before you file. But be clear on what it is: a data-driven analysis of likely coverage, not the carrier's real, confirmed policy limits. Those are only established through formal discovery or the insurer's sworn disclosure. Use our reports as a pre-lit analysis tool, never as proof of actual coverage.
Trusted by Top PI Attorneys
I highly recommend Coastal Research, who delivers fast, accurate policy limit searches that give us the information we need to fight for our clients.
There’s no way around it — sometimes you need to do either a policy trace or find out what policy limits are before determining how to work a case. There are a few options out there, and Coastal Research stands tallest among them.
I cannot overstate how effective Coastal Research is. Their team is professional, efficient, and consistently delivers accurate results.
