FDACS-licensed · FDACS A1800135

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4–72 hrs turnaround · rush available

GLBA · DPPA · FCRA framework

Service · Policy Existence Trace

Policy Existence Trace — Confirm Coverage Before You File

Confirm whether the defendant carries any coverage before you commit to litigation.

Call (888) 831-FIND

A policy existence trace is the most cost-effective screen in plaintiff personal injury practice: does this defendant have insurance, yes or no? If yes, the case moves forward. If no, the analysis pivots to your client's UM/UIM stack — and you save the cost of suing a judgment-proof defendant. We deliver the binary answer in 24-72 hours, documented by a FDACS-licensed investigator.

When to commission

When plaintiff attorneys use a Policy Existence Trace.

Pre-intake case screening — should you take this case at all?

When the defendant claims to be uninsured and you need verification

Hit-and-run cases where you need to confirm the at-fault's coverage status before electing UM

When the defense disclosure is suspiciously vague

For potential clients where coverage availability decides retainer scope

The deliverable

What a Policy Existence Trace actually contains.

Coverage status

Yes / no — does the defendant carry insurance as of the date of loss?

Carrier identity

If covered, the issuing carrier and effective dates.

Policy number

Where lawfully disclosable, the policy number for downstream subpoena scoping.

Coverage gaps

Lapsed policies, intentional-act exclusions, named-driver exclusions if applicable.

How it works

From intake to attested report in 4–72 hrs.

1. Intake

Submit defendant name, address, vehicle info (auto cases) or entity name (commercial). Date of loss is critical.

2. Verification

State insurance verification systems, DMV financial-responsibility records, carrier verification under GLBA §6802(e) / DPPA §2721(b)(4).

3. Status determination

Coverage in force / lapsed / never existed — documented with source attribution.

4. Attestation delivery

Signed report with the binary status and the permissible-purpose attestation.

Why a licensed firm matters

Not all "policy traces" are admissible.

The market is full of "policy search" portals operating without an investigator license, without permissible-purpose documentation, and without anyone able to testify to the search. For litigation use, that's a structural risk.

Generic portal Generic "background check" portal

Returns scraped public records. Cannot verify carrier-level coverage. No investigator attestation.

PolicySearchUSA PolicySearchUSA existence trace

Carrier-level verification. Effective-date confirmed. FDACS-licensed attestation. Testimony available.

Common questions

Plaintiff-attorney FAQ on Policy Existence Trace.

Why not just look up the police report?

The crash report records the at-fault's declared insurance at the scene — which is often wrong (declared in error or intentionally), or lapsed by the time you screen the case. Existence trace independently verifies current status with the carrier and state insurance department.

What if the defendant has lapsed coverage?

Lapsed coverage is its own finding — and an important one. It typically pivots the case to UM/UIM on your client's policy. Our report documents lapse status with carrier-side dates so you can defend the UM tender.

Is existence trace cheaper than limits trace?

Yes — existence is a narrower scope. On many cases, plaintiff firms run existence first to screen, then commission limits trace only on cases that pass screening. Ask us for combined pricing.

Will the verification stand up at deposition?

Yes. Every existence trace is signed by the licensed investigator, who can testify to the verification basis if the defense disputes coverage status at trial.

Commission a Policy Existence Trace now.

No find, no fee. 4–72 hrs standard turnaround. Operated by Miami Private Investigations · FDACS A1800135.

Engagement model Call (888) 831-FIND