Protecting Texas families through good laws and good lawyers.
The mission of the Texas Trial Lawyers Association.
Coastal Research stands behind that mission. We give Texas trial lawyers pre-litigation policy limit analysis built for Texas cases, so you can size up a case before the demand goes out.
A plaintiff-side pre-litigation research firm, working only for injured people's attorneys.
Policy limit analysis
When the carrier is known but the limits are not. A researched report built for case screening and Stowers strategy.
Order a reportPolicy existence search
When no insurance information is known. Coastal researches whether liability coverage may be in place.
Start a searchDue diligence
Assets, affiliations, liens, and judgments, for files where recovery may need to reach beyond the policy.
Learn moreDefending the right to trial by jury.
Since our founding in 1949, TTLA has fought to defend the right to trial by jury. We sustain the virtues that define our mission: Protecting Texas Families Through Good Laws & Good Lawyers. Together we will continue the fight for a new generation of Texans for the next 75 years, and beyond.Texas Trial Lawyers Association
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TTLA stands up for trial lawyers and their clients before the Texas Legislature using a non-partisan approach focused exclusively on civil justice. TTLA members are part of something bigger: a family of trial lawyers committed to a common purpose.
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TTLA focuses exclusively on civil justice in the legislative arena by standing up for plaintiffs and the trial lawyers who represent them.
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TTLA's live and on-demand CLE programming focuses exclusively on the plaintiff's practice and on helping members succeed.
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Plaintiff-centered CLE and the statewide TTLA network, together in Dallas.
Size up the case before the demand goes out.
Coastal Research is a plaintiff-side pre-litigation research firm. Order directly through Coastal and receive your report within hours.
How much coverage may be in play?
A researched report on the defendant's liability coverage, built for case screening and demand strategy.
- Personal and commercial analysis
- Umbrella and excess assessment
- Policy existence search when the carrier is unknown
Due diligence report
What may be recoverable beyond the policy, when limits look low or the defendant's status is unclear.
- Property and asset research
- Business affiliations
- Bankruptcy, liens, and judgments
Results are a data-driven analysis of liability coverage, not the carrier's confirmed policy limits. Use them to size and strategize a case before filing, not as proof of coverage.
Questions Texas trial lawyers ask.
What is a policy limit analysis in Texas?
A policy limit analysis is a data-driven, pre-litigation report of likely liability coverage, built from lawful sources and provided as an informational tool. Texas trial lawyers use it for case screening and demand strategy before filing.
Can I learn a defendant's policy limits before suit in Texas?
Texas has no general statute requiring a liability insurer to disclose its insured's limits before a lawsuit is filed. Actual limits typically come from the insured's consent or a voluntary disclosure. Once suit is filed, Texas Rule of Civil Procedure 194.2 includes indemnity and insuring agreements among the required initial disclosures. A policy limit analysis gives attorneys a researched view of coverage earlier, at the pre-litigation stage.
How do policy limits relate to a Stowers demand?
Under the Stowers doctrine, from G.A. Stowers Furniture Co. v. American Indemnity Co. (1929), a liability insurer that unreasonably rejects a reasonable settlement demand within policy limits may face exposure beyond those limits. Because a Stowers demand is framed around the limits, many Texas attorneys size up the case before drafting one. A policy limit analysis supports that pre-litigation strategy; it is not proof of coverage.
What are Texas minimum auto liability limits?
Texas requires minimum auto liability coverage of $30,000 per injured person and $60,000 per accident for bodily injury, and $25,000 for property damage, commonly written as 30/60/25. Minimums are a floor, not a measure of what any defendant actually carries.
Will a policy limit analysis include a policy number or declarations page?
No. Policy numbers, declarations pages, endorsements, and coverage as of a date of loss come from the insured, the carrier, or discovery. A policy limit analysis is a high-level assessment of coverage for pre-litigation strategy.
Is Coastal Research a TTLA partner?
Yes. Coastal Research is a TTLA business partner. Coastal Research and the Texas Trial Lawyers Association are separate organizations, and TTLA members order reports directly through Coastal.
General information about Texas law, not legal advice. Attorneys should apply their own judgment to each matter.
Get started with Coastal.
Tell us about your firm and we will set you up. Let us know if you are a TTLA member.
Questions? cases@coastalresearch.net or (208) 581-4265.
Good laws. Good lawyers. Great association.
Coastal Research is proud to stand with TTLA and the trial lawyers protecting Texas families.