Policy Existence Search
Attorneys handling personal injury, business liability, and insurance-related cases often need assistance locating an insurance carrier when policy details are unknown. A policy existence search or policy discovery search goes beyond simple policy limit verification, providing attorneys with the critical information needed to determine whether an active insurance policy exists and which carrier holds the policy.
Our policy existence research and policy discovery tracing services are designed to help legal professionals identify unknown insurance coverage, ensuring that no potential source of recovery is overlooked.
What is a Policy Existence & Discovery Search?
A policy existence search is a specialized investigation used to determine whether an insurance policy exists for a defendant, business, or entity. This differs from a policy limit search, where the attorney already has carrier information and is simply verifying limits.
Through policy discovery research, we help attorneys:
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Locate an active insurance carrier for personal or commercial defendants
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Uncover hidden liability policies, including umbrella or excess coverage
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Conduct policy existence tracing using advanced search methodologies
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Verify commercial general liability (CGL) coverage for businesses and property owners
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Utilize proprietary policy discovery tracing to cross-reference public and private data sources
Our policy discovery search is particularly beneficial in cases where attorneys:
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Lack insurance carrier information and need to identify potential coverage
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Need to confirm a defendant’s policy status before proceeding with negotiations
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Require policy existence research for businesses, contractors, and commercial entities
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Want to ensure no insurance option is overlooked before pursuing litigation
With policy discovery tracing, we employ multiple investigative techniques to locate insurance policies efficiently, giving attorneys the actionable data they need for their cases.