Insurance Policy Search for Personal Injury Attorneys
Find the coverage on the negligent party — primary, excess, and umbrella.
Personal injury practice runs on one premise: damages are only as recoverable as the coverage behind them. When the at-fault party's carrier sends a policy-limits letter at $25K and you suspect umbrella coverage on the back end, we find it. When the defendant's declarations page is mysteriously "unavailable," we reconstruct the policy footprint from public records and lawful inquiries.
Built for the firms that actually run personal injury cases.
What a personal injury policy search produces.
Questions plaintiff attorneys ask about Personal Injury searches.
Why don't I just subpoena the carrier?
You can — and you should, eventually. But pre-suit, subpoena power is limited. A policy search confirms the layers exist before you commit to litigation cost. Many cases are settled at full umbrella value pre-suit because the demand letter cited the layer we located.
Will the search hold up at deposition?
Our investigator can testify to the search. Every record touched is logged with date, time, source, and permissible-purpose basis. We deliver an attestation letter on request.
What if the defendant has no coverage at all?
We tell you. About 14% of our PI searches conclude with no policy found beyond statutory minimums — and we route those into the UM/UIM analysis on your client's own policy.
Every search runs under documented permissible purpose.
Insurance policy discovery sits at the intersection of GLBA §6802 / §6803, DPPA 18 U.S.C. §2721(b) permissible uses, and FCRA considerations. We document the basis on every file — and our investigator can testify to it.
Related practice areas
Need a personal injury policy search now?
Standard turnaround 4–72 hrs. Rush available same day. Operated by Miami Private Investigations · FDACS A1800135.