FDACS-licensed · FDACS A1800135

No find, no fee guarantee

4–72 hrs turnaround · rush available

GLBA · DPPA · FCRA framework

Service · Policy Limits Trace

Policy Limits Trace — Find What the Defendant Actually Carries

Find the actual limits the defendant carries — primary, excess, and umbrella.

Call (888) 831-FIND

A policy limits trace identifies the actual liability coverage a defendant carries — not what the defense volunteers, not what the carrier letter claims, the real limits. For plaintiff personal injury attorneys, this is the difference between a $25,000 policy-limits demand and a $1,000,000 umbrella conversation. We deliver the limits in 24-72 hours, documented under GLBA §6802 / DPPA §2721(b) permissible-purpose framework, attested to by a FDACS-licensed investigator who can testify if challenged.

When to commission

When plaintiff attorneys use a Policy Limits Trace.

Pre-suit, to size your demand letter against the defendant's actual coverage

Post-suit, to verify the defense disclosure is complete (excess and umbrella often omitted)

After a carrier policy-limits letter that doesn't pass the smell test

When the defendant claims to be uninsured and you suspect otherwise

When commercial defendants are involved and a layered coverage tower is likely

The deliverable

What a Policy Limits Trace actually contains.

Primary liability limits

Per-occurrence and aggregate limits on the at-fault's primary policy.

Excess and umbrella layers

Layered coverage sitting above the primary — typically the highest-value find.

Commercial coverage tower

For corporate defendants, the full stack: primary GL, excess, umbrella, parent-entity coverage.

Effective dates

Whether the policy was in force on the date of loss — critical for coverage admissibility.

Carrier identification

The actual issuing carrier (often disclosed inaccurately on crash reports).

How it works

From intake to attested report in 4–72 hrs.

1. Intake

Submit a request form with the defendant's name, address, date of loss, vehicle info or entity name, and the police report if available. Permissible-purpose basis logged automatically from your retainer.

2. Records access

Our investigator runs the search under GLBA §6802(e) / DPPA §2721(b)(4) — anticipation of litigation. Every record touched is logged.

3. Coverage mapping

Primary + excess + umbrella layers identified and mapped. Effective dates verified.

4. Report delivery

Structured coverage map delivered with source citations and a signed permissible-purpose attestation. Investigator available for follow-up.

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 Standard "$200 portal" search

Generic data report. No investigator testimony available. No permissible-purpose attestation. No license accountability.

PolicySearchUSA PolicySearchUSA limits trace

FDACS-licensed investigator. Documented GLBA/DPPA basis. Testimony available. Source citations. No find, no fee.

Common questions

Plaintiff-attorney FAQ on Policy Limits Trace.

What's the difference between a policy limits trace and a policy existence trace?

Existence trace confirms whether ANY policy exists on a defendant — binary yes/no. Limits trace goes further: it identifies the actual coverage amounts, layer structure, and effective dates. Most plaintiff cases need both at once, and our limits trace includes existence by default.

Can you find limits on commercial defendants too?

Yes — that's where layered trace work is most valuable. Commercial coverage towers often run four or five policies deep: primary GL, excess, umbrella, and any captive at the parent-entity level. We map all of it.

Do you offer a no find, no fee guarantee?

Yes. If we cannot locate any verifiable coverage data on a defendant, you don't pay. The deliverable on a "no coverage" search is the attestation letter — which itself supports UM/UIM tender on your client's policy.

How fast can you turn around a limits trace?

Standard 4–72 hrs. Rush available — same-day on simple auto cases, 24 hours on most commercial files.

What documentation do you provide for deposition?

A signed permissible-purpose attestation, source-citation log, and our investigator's availability for deposition testimony at standard expert-witness rates.

Commission a Policy Limits Trace now.

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

Engagement model Call (888) 831-FIND