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Coastal Investigative Research, LLC
dba coastal research
terms & conditions
effective date: 05/07/2026
These Terms & Conditions (“Agreement”) govern all services provided by Coastal Investigative Research LLC (“Coastal”), an Idaho limited liability company, to licensed plaintiff attorneys (“Client”). By submitting a case to Coastal, the Client acknowledges and agrees to these Terms.
Coastal reserves the right to modify this Agreement at any time, with revisions effective upon posting or delivery to the Client; continued use of Coastal’s services after revision constitutes acceptance of the revised Terms.
Nature of Services
Coastal provides data analysis services, due diligence services, and predictive search services exclusively to licensed plaintiff injury attorneys, or to agents of those attorneys, representing accident victims in connection with or in anticipation of litigation. Coastal’s investigative and/or data analysis work is limited to providing a policy limit probability report and, where applicable, asset information, together with supporting information that may corroborate our conclusions. Coastal does not provide legal advice, settlement evaluation, or case strategy, and nothing furnished by Coastal should be construed as such.
Purpose of Services
Coastal’s services are provided for informational case-assessment purposes only. Our mission is to predict or, to the extent possible, verify the policy limits of a defendant or business entity. The purpose of this informational report is to help combat the documented rise in nondisclosure, concealment, or misrepresentation of liability policy limits. Coastal conducts its services in good faith, for lawful purposes, and at the direction of an engaging attorney.
Attorney Engagement and Client Certifications
Coastal performs services only under the engagement of licensed plaintiff attorneys or their authorized agents. Submission of a case to Coastal, together with acknowledgment of these Terms, constitutes the attorney’s engagement and direction.
By submitting a case, the attorney represents and certifies that the submission accurately identifies the matter, including all relevant parties and the relevant case number; that the submission identifies the jurisdiction or jurisdictions in which the firm is located; that the attorney has determined the requested investigation is necessary for case assessment; that the investigative need arises from concerns of nondisclosure, concealment, or misrepresentation relating to coverage limits; and that the engagement complies with all applicable professional, ethical, and legal obligations, including any applicable rules of professional conduct, state bar requirements, and licensing or investigator-licensing laws of the jurisdictions involved.
The attorney further represents that the information submitted to Coastal is true and accurate to the best of the attorney’s knowledge, that the attorney has the authority to engage Coastal on behalf of the represented client, and that no part of the engagement is intended for harassment, intimidation, stalking, or any unlawful purpose.
Jurisdiction of Engagement
All services are performed by Coastal as the work of an Idaho entity. Coastal operates solely from Idaho, and engagement constitutes work with an Idaho limited liability company. Clients nationwide acknowledge that they are engaging directly with an Idaho company and that Idaho law governs all engagements regardless of the Client’s location or the location of the underlying matter.
Scope and Limits of Investigation
Coastal’s services are limited to predicting personal policy limits and, to the extent possible, verifying publicly available liability policy limits of a commercial entity, and to searching for potential assets in connection with a legitimate legal matter. Coastal’s services are not a substitute for statutory disclosure, formal discovery, or other legal processes, and attorneys remain responsible for pursuing those processes when appropriate.
Coastal does not, and will not, conduct searches that involve or attempt to access, verify, or predict financial information, consumer credit reports or histories, medical or health records, insurance claim file contents, telecommunications records, motor vehicle records restricted by law, tax records, government benefit records, or any other nonpublic personal information protected by financial, health, or privacy regulations.
Not a Consumer Reporting Agency
Coastal is not a consumer reporting agency. Coastal does not assemble, evaluate, or furnish consumer reports, and does not provide information to determine creditworthiness or eligibility for credit, insurance, employment, housing, or any other purpose governed by the Fair Credit Reporting Act. Information provided by Coastal may not be used for any FCRA-regulated purpose, and the Client agrees not to use Coastal’s reports for any such purpose.
Informational Use Only
All information provided by Coastal is strictly for informational and data analysis purposes. Information is delivered “as is,” without warranties of any kind, express or implied, including without limitation any warranties of accuracy, completeness, reliability, merchantability, or fitness for a particular purpose. Reports generated by Coastal are not admissible and may not be relied upon as proof of coverage. Attorneys must independently verify insurance coverage information before any reliance or use in litigation.
Coastal does not guarantee, warrant, or represent that any results, findings, or information provided are complete, accurate, or free from error, and the Client acknowledges that errors, omissions, and inaccuracies may occur. All materials, analyses, and outputs generated by Coastal are for informational and research purposes only and are not intended to create reliance of any kind. Coastal expressly disclaims any responsibility or liability for how the information is used or interpreted in any legal, professional, or strategic context. All results must be independently reviewed, confirmed, and verified by the Client’s attorney or other appropriate professional within the scope of their case or matter, entirely outside of Coastal, and the Client remains solely responsible for ensuring the accuracy, applicability, and legal sufficiency of the information before relying on it in any capacity.
Fees, Payment, and Refunds
Fees for Coastal’s services are due as quoted or invoiced at the time of engagement and are payable in accordance with the terms specified on the applicable invoice or order form. Unless expressly stated otherwise in writing, all fees are earned upon performance of the requested investigation, regardless of the findings or whether the requested information is ultimately obtained. The Client understands that Coastal is paid for the investigative effort and methodology, not for any guaranteed accuracy. Client shall be responsible for all reasonable costs of collection, including attorneys’ fees. Payment is due within seven (7) days from the date case results were originally provided. If payment remains outstanding, reminder notices will be issued. Balances unpaid after an additional thirty (30) days will incur a ten percent (10%) late fee accruing monthly until paid in full.
Confidentiality
All information provided to Coastal in the course of an engagement is treated as confidential and/or attorney work product, and is used solely to perform the agreed services. Coastal does not disclose attorney or Client information except as necessary to complete the engagement, with the Client’s authorization, or as required by law, subpoena, or court order. Coastal’s confidentiality obligations survive termination of any engagement.
Ownership and Use of Reports
Reports and deliverables prepared by Coastal are licensed to the Client for use in the specific matter for which they were commissioned. The Client may not republish, resell, redistribute, or use Coastal’s reports for any matter other than the one identified in the engagement without Coastal’s prior written consent. Coastal retains all rights in its proprietary methodologies, data sources, templates, and underlying research processes.
Limitation of Liability
To the fullest extent permitted by law, Coastal shall not be liable for errors, omissions, or misstatements made by third parties; for delays, refusals, or failures outside Coastal’s control; for reliance placed on Coastal’s reports without independent attorney confirmation; or for any damages, whether direct, indirect, incidental, consequential, special, exemplary, or punitive, arising from or relating to the use of Coastal’s services, even if Coastal has been advised of the possibility of such damages.
In no event shall Coastal’s aggregate liability arising out of or relating to this Agreement or the services provided exceed the total fees actually paid by the Client to Coastal for the specific engagement giving rise to the claim. Attorneys accept full responsibility for evaluating, verifying, and relying upon any information obtained through Coastal’s investigations.
No Guarantee of Outcome
Engagement with Coastal does not guarantee that liability policy limit information will be obtained, that any information obtained will be accurate, or that any particular case outcome will follow. The Client acknowledges that investigative work is inherently uncertain and that public and quasi-public records may be incomplete, outdated, or erroneous through no fault of Coastal.
Indemnification
The Client agrees to indemnify, defend, and hold harmless Coastal and its owners, members, employees, contractors, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys’ fees, arising from or related to the Client’s use or misuse of information provided by Coastal; the Client’s breach of this Agreement or any representation made under it; the Client’s violation of any applicable law, rule of professional conduct, or third-party right; or any decisions made or actions taken in reliance on Coastal’s reports. Coastal’s reports are for informational purposes only and are not intended to constitute legal advice; Clients must independently verify policy limits, as Coastal’s reports do not constitute confirmed insurance coverage. The Client assumes full responsibility for how it uses any information provided and agrees that Coastal shall have no liability for decisions made or actions taken in reliance on such information.
Term and Termination
This Agreement governs each engagement upon submission of a case and continues in effect with respect to that engagement until the requested services are completed or the engagement is terminated. Either party may terminate an engagement at any time upon written notice. Termination does not relieve the Client of the obligation to pay for services performed prior to termination, and the provisions of this Agreement that by their nature should survive termination, including those relating to confidentiality, ownership, limitation of liability, indemnification, and governing law, shall survive.
Force Majeure
Coastal shall not be liable for any failure or delay in performance caused by circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, governmental action, civil unrest, labor disputes, public health emergencies, internet or utility outages, third-party data source failures, or other events of force majeure.
Entire Agreement and Modification
This Agreement constitutes the entire agreement between Coastal and the Client with respect to the subject matter hereof and supersedes all prior or contemporaneous understandings, representations, or agreements, whether written or oral. No modification, waiver, or amendment of this Agreement shall be effective unless made in writing by Coastal. The failure of Coastal to enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision.
Assignment
The Client may not assign or transfer this Agreement, or any rights or obligations under it, without Coastal’s prior written consent. Coastal may assign this Agreement in connection with a merger, acquisition, reorganization, or sale of substantially all of its assets.
Severability
If any provision of this Agreement is found invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect, and the invalid or unenforceable provision shall be reformed to the minimum extent necessary to make it valid and enforceable while preserving the parties’ original intent.
Governing Law and Venue
This Agreement shall be governed by and construed under the laws of the State of Idaho, without regard to its conflict-of-laws principles. Any dispute arising under or relating to this Agreement shall be brought exclusively in the state or federal courts located in Idaho, and each party irrevocably consents to the personal jurisdiction and venue of those courts and waives any objection based on inconvenient forum.
Acknowledgment
By submitting a case to Coastal or otherwise engaging Coastal’s services, the Client acknowledges that it has read, understood, and agreed to be bound by these Terms & Conditions.