Frequently Asked Questions - Coastal Research

A policy limit trace provides the most probable liability insurance limits for the at-fault party based on data points related to the defendant, the vehicle, and the circumstances of the attorney-provided information.

Yes. We’re proud to offer discounts and member benefits for members of professional associations such as CAALA, TTLA, and other recognized trial lawyer organizations.

We aim for industry-leading turnaround times, with personal auto policies typically delivered within 24-48 hours, making them Coastal Research's fastest deliverable.

Our Policy Existence service helps you identify the most probable insurance carrier and estimate the likely liability information based on public data, attorney-provided details, and defendant information. While results are not guaranteed, this process provides insight into potential coverage.

We strongly encourage clients to submit as much relevant information as possible when requesting a result. Any lawfully shareable document related to the case can greatly assist in improving the precision of our findings.

Commercial policy research requires more expertise on case-specific indicators to determine the most probable liability limits. In order to provide the highest accuracy possible, we charge a higher rate for commercial policy searches.

While Coastal Research does not access insurer systems or guarantee absolute accuracy, our probability-based practices consistently achieve over 99.9% based on case details and attorney-provided information. 

You'll receive your results and our accounting team will invoice you accordingly. 

Our findings are probability-based, and while absolute accuracy can’t be guaranteed, any verified limits that differ from our findings results in an immediate refund.

There are no charges for Personal policies when their limits cannot be determined.

We charge a $100 fee for cases categorized as Policy Existence, Commercial, and International cases where the policy cannot be located.

Despite the absence of the policy, our services include skip tracing, and any valuable information unearthed is incorporated into the results.

We bill clients for the type of policy that we discover.

If you request a personal policy and we find that the subject claim/policy reflects a commercial policy, the invoice will reflect the policy found.

Insurer nondisclosure of policy limits remains a widespread issue that hinders fair settlement negotiations and exposes insured parties to excess judgments. Policy Limit Research was created to detect and document instances of insurance non-disclosure and predict probable liability coverage where disclosure is delayed or refused. Thus providing attorneys with fair insight on how to proceed with assisting their injured client.

Coastal distinguishes itself by operating within a carefully developed compliance framework. Our reports are conducted solely for litigation support under attorney direction, and our reports are informational in nature and never admissible as evidence. We aim to advance lawful, transparent practices in legal research by engaging only with information statutorily destined for disclosure. Through this approach, Coastal continues to promote integrity and raise compliance standards across the industry.