Fund Capital America provides fast, reliable insurance policy limit searches and insurance discovery services for California personal injury law firms. We research the at-fault party’s coverage, your client’s own policy, and any applicable umbrella limits — so you can evaluate your case and demand a fair settlement from day one. No charge if no results are found
Knowing the insurance policy limits at the start of a personal injury case changes everything. Without this information, attorneys risk undervaluing their client’s claim, settling below policy limits, or spending weeks in negotiation without a clear picture of available coverage.
A fast, accurate policy limit search gives your law firm:
We provide research across every major policy type. Each search is handled by specialists with deep knowledge of California insurance carriers, policy structures, and reporting databases.
We identify the bodily injury liability limits on the at-fault driver’s personal auto policy, including any applicable umbrella coverage. Standard turnaround is 3–5 business days. Rush processing available.
For cases involving commercial vehicles, rideshare drivers, delivery vehicles, or company cars. Commercial policies are more complex and typically require 5–10 business days.
Essential for slip and fall, dog bite, and premises liability cases. We identify the at-fault party’s homeowner’s liability limits and confirm umbrella coverage.
Umbrella and excess liability policies can dramatically increase a case’s value. We search for these policies separately or as part of your auto/homeowner search.
When you do not know whether the at-fault party even has insurance, our discovery service can identify existing policies — including those not voluntarily disclosed.
Please note that each package will include research on the policy and umbrella limits for the at-fault party as well.
*Standard price when date of loss is within one year. If the date of loss is within 1-3 years, an additional fee of $30 will apply.
**In some cases, the processing time could be shortened or extended, based on the policy and claim.
***If found, will be available for an additional $85.00.
****If our research does not return any results on the policy you requested, we do not charge you for that search. This applies to all standard policy limit searches. (Note: A reduced fee of $150 applies for Insurance Discovery searches that return no results, due to the extended research required.)
The following are additional fees that would be applied to the total cost:
Submitting a request takes under two minutes. Simply complete our online request form with the case details, the policy type you need researched, and the date of loss. Our team will confirm receipt and begin the search immediately.
Q: What is a policy limits search?
A: A policy limits search is the process of identifying the insurance coverage available to compensate an injured plaintiff. It tells the attorney how much liability coverage the at-fault party carries on their auto, homeowner’s, or commercial insurance policy — as well as any umbrella policies that may provide additional coverage.
Q: How long does a policy limit search take?
A: Standard personal auto policy searches are completed within 3–5 business days. Commercial and homeowner’s searches typically take 5–10 business days. Rush processing is available for personal auto cases at an additional fee.
Q: What if the at-fault party has no insurance?
A: If our search returns no results, you will not be charged for the standard policy limit search. In that situation, your client may still have an uninsured motorist (UM) claim on their own policy, which we can also research for you.
Q: Can you search both the at-fault party’s policy and my client’s own policy?
A: Yes. Each policy search is submitted as a separate request. Many attorneys order both simultaneously — the at-fault party’s liability limits and the plaintiff’s own UM/UIM limits — to get a complete picture of available coverage from the start.
Q: Do you charge if the search comes back empty?
A: No charge for standard policy limit searches that return no results. For Insurance Discovery services (where the existence of a policy is unknown), a $150 fee applies when no policy is found, due to the more intensive research required.
Q: What states do you cover?
A: Our primary focus is California personal injury cases. However, we are able to research policies for incidents that occurred in many additional states. Contact us with the specifics of your case and we will confirm availability.
Q: Can I get rush processing?
A: Yes. Rush turnaround options are available for personal auto policy searches: 2 business days (+$50), 12 business hours (+$90), or 6 business hours (+$120). Rush processing for commercial policies is also available — contact us for pricing.
Get the insurance information your case needs — fast. Submit your request online or call our team at (855) 870-2274. We are available Monday through Sunday, 8:00 AM to 6:30 PM.
No charge if no results are found. Rush options available for time-sensitive cases.