Liability Limit Tracing (Policy Limit Search)

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LIABILITY LIMIT TRACING IN CALIFORNIA

Discover Defendant Insurance Policy Limits for Injury & Litigation Cases

When you’re preparing for a personal injury case, knowing what insurance coverage the defendant holds is essential. That’s where Liability Limit Tracing, also known as Policy Limit Search, becomes a game-changer.

Whether your client was in a car accident, a victim of slip and fall, or medical malpractice, Fund Capital America can provide fast and reliable information about the other party’s insurance limits. With us, you get answers quickly — and only pay if we find results.

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Table of Contents

What is Liability Limit Tracing?

Liability Limit Tracing is a legal support service that uncovers the coverage amounts held in a defendant’s insurance policies. These limits determine how much the insurance will pay out for damages, medical expenses, and liability.

This data is critical in shaping your litigation strategy, setting case value expectations, and informing your settlement demands.

Why Liability Limit Tracing Matters

Determine Case Value

Understand how much you can reasonably demand in a settlement — before wasting time on a case with limited potential.

Evaluate Financial Viability

Not all cases are worth the fight. With our tracing services, you can determine if the insurance coverage is enough to justify proceeding.

Inform Medical Treatment Decisions

Medical providers can make smarter treatment plans when they know what insurance will actually cover.

Avoid Legal Blind Spots

Missing or inaccurate insurance info can compromise your negotiation leverage or trial strategy.

Our Comprehensive Policy Limit Search Services for Lawyers

Fund Capital America offers a range of services to uncover insurance policy details:​

  • Policy Existence Verification: Confirm whether a defendant holds an active insurance policy.
  • Policy Limit Identification: Determine the maximum payout amounts for various policy types.
  • Umbrella Policy Discovery: Uncover additional layers of coverage that may apply to the case.​

 

Our team utilizes advanced research tools and industry expertise to deliver accurate and timely information.

Pricing

No Results, No Charge.

Personal Auto Policy Limits

$ 175 Starting at
  • *standard price when date of loss is within one year
    +$30 fee when date of loss is aged 1-3 years
  • 3-5 Business days average processing time
  • 2 Business Days +$50
  • 12 Business Hours +$90
  • 6 Business Hours +$120
  • Includes complimentary umbrella verification
  • Umbrella Limits, if found, are available for puchase for an additonal $85
  • Medpay Search

Personal Umbrella Policy Limits

$ 200 Starting at
  • *standard price when date of loss is within one year
    +$30 fee when date of loss is aged 1-3 years
  • 3-5 Business days average processing time

HOMEOWNER'S/UMBRELLA POLICY LIMITS

$ 195 Starting at
  • *standard price when date of loss is within one year
    +$30 fee when date of loss is aged 1-3 years
  • 5 - 10 business days processing time.
  • Includes complimentary umbrella verification
  • Umbrella Limits, if found, are available for puchase for an additonal $85

Commercial Auto Policy Limits

$ 305 Starting at
  • *standard price when date of loss is within one year
    +$30 fee when date of loss is aged 1-3 years
  • 5 - 10 business days processing time.
  • 2 Business Days +$100
  • 12 Business Hours +$200
  • 6 Business Hours +300
  • Umbrella verification NOT included

Commercial Umbrella Policy Limits

$ 300 Starting at
  • *standard price when date of loss is within one year
    +$30 fee when date of loss is aged 1-3 years
  • 5 - 10 business days processing time

Personal Auto Insurance Discovery

$ 499 Starting at
  • Up to 30 Business days processing time.
  • *$150 fee applies if NO-HIT
  • 7 Business days +$80

Homeowner’s Policy Existence

$ 549 Starting at
  • Up to 30 Business days processing time.
  • *$150 fee applies if NO-HIT
  • 7 Business days +$80

Commercial Insurance Discovery

$ 599 Starting at
  • Up to 30 Business days processing time.
  • *$150 fee applies if NO-HIT
  • 7 Business days +$80

Types of Insurance Policies We Trace

  • Personal Auto Insurance
  • Homeowners’ & Renters’ Policies
  • Commercial Business Policies
  • Umbrella Policies
  • Malpractice & Professional Liability
  • Premises & Product Liability

How California Liability Limit Tracing Works

1. Submit Your Request

Fill out our secure online form with the details of the case, including:

  • Defendant’s name
  • Date of loss
  • Vehicle or property information (if applicable)

2. We Conduct the Investigation

Our experienced researchers go to work using the following:

  • Industry databases
  • Proprietary tools
  • Insurance carrier contacts
  • We search for personal, commercial, and umbrella policies to locate coverage details relevant to your case.

3. Get Detailed, Confidential Results

Once the trace is complete, we deliver a comprehensive report via encrypted email, including:

  • Type(s) of coverage found
  • Insurance carrier(s)
  • Verified policy limits (if available)

4. No Policy Found? No Charge.

If we can’t find any policy details, you don’t pay.

It’s our No-Find, No-Fee Guarantee.

5. Use the Results to Inform Your Case

With accurate policy information in hand, you can:

  • Determine the viability of your claim
  • Strengthen your negotiation position
  • Decide whether to pursue litigation

Frequently Asked Questions

They are the maximum amounts an insurer will pay for a claim under a specific policy. These include per-person, per-incident, and aggregate limits.

Simply submit a request via our online form. Choose the policy type and desired turnaround time.

If we can’t find any relevant information, you don’t pay. It’s that simple.

Yes. Most packages include complimentary umbrella verification. This includes digging deep on the at-fault’s personal injury settlement insurance coverage.

Processing times vary by service, ranging from 3-5 business days to expedited options as fast as 6 hours.

All findings are provided in encrypted, confidential reports to ensure data security.

Take Advantage Of Fund Capital America’s Liability Limit Tracing Services

Petition Filing | FCA

Fund Capital America is equipped with state-of-the-art information sources and skilled insurance experts who can investigate and trace the limits of liability policies. Our professional staff will provide you with the information you need to build a strong case. We offer a fast turnaround time and case updates on our portal. Our services include detailed tracing for the following:

Policy Existence

Determine whether a defendant has an insurance policy or not. The case will require a different legal approach without an existing insurance policy. 

Policy Limits

Determine what the defendant’s policy will cover and where liability is limited. This will save time and money on discovery and court proceedings. 

Umbrella Policy

Sometimes the restitution required for the damages caused exceeds the primary liability limits. In this instance, information on the umbrella policy will indicate the extra coverage that your client may have access to.

The Insurance Policies Included In Fund Capital America's Services

When partnering with Fund Capital America for liability limit tracing services, you will have access to thorough and detailed reports required for your client’s case. We provide liability limit tracing services for the following types of insurance policies: 

  • Auto insurance policies
  • Business and commercial policies
  • Homeowners’ and renters’ insurance policies
  • Umbrella policies
  • Professional malpractice policies
  • Premises
  • Product liability

The information our experts locate is provided in an encrypted, confidential report. 

Our services are provided at no risk to you – service fees do not apply if we do not find any information. 

Contact Fund Capital America Today

Extensive insurance research requires a lot of time, effort, and a skilled eye to understand what information is needed from an insurance policy to fight for a fair settlement. Fund Capital America offers a simple insurance research solution that provides you with all the relevant information. Contact us today to learn about the service packages available to you.

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