About Policy Research
Liability Research
We provide the liability limits of the at-fault party prior to litigation.
Ensure Maximum Settlements
Execute custom treatment plans for your clients.
State-Of-The-Art Software
We utilize multiple software systems to crosscheck all claims information.
Discover Limits Within Days
Discover the policy limits that support a claim within days of taking on a client.
We provide the liability limits of the at-fault party prior to litigation. Our goal is to assist all of our clients in achieving maximum settlements.
We offer searches from personal auto to homeowner’s, commercial and policy existence.
There will be no charge to you if we cannot obtain results.
Pricing
No Results, No Charge.
Personal Auto Policy Limits
Starting at*standard price when date of loss is within one year
+$30 fee when date of loss is aged 1-3 years
-
Find the Personal Auto and
complimentary Umbrella Policy verification of the at-fault party verified by date of loss -
3-5 days average processing time
-
Umbrella Limits, if found,
are available for puchase for an additonal $85.00
Personal Umbrella Policy Limits
Starting at*standard price when date of loss is within one year
+$30 fee when date of loss is aged 1-3 years
-
Find the Umbrella Policy limits of the at-fault party verified by date of loss
-
3-5 days average processing time
Homeowner's Policy Limits
Starting at
*standard price when date of loss is within one year
+$30 fee when date of loss is aged 1-3 years
-
Find the Homeowners and
complimentary Umbrella Policy verification of the at-fault party verified by date of loss -
3-5 days average processing time
-
Umbrella Limits, if found,
are available for puchase for an additonal $85.00
Homeowner's Umbrella
Policy Limits
Starting at
*standard price when date of loss is within one year
+$30 fee when date of loss is aged 1-3 years
-
Find the Umbrella Policy limits of the at-fault party
verified by date of loss -
3-5 days average processing time
Commercial Auto Policy Limits
Starting at*standard price when date of loss is within one year
+$30 fee when date of loss is aged 1-3 years
-
Find the Commercial Auto
of the at-fault party verified by date of loss -
5-7 days average processing time
Commercial Umbrella Policy Limits
Starting at*standard price when date of loss is within one year
+$30 fee when date of loss is aged 1-3 years
-
Find the Commercial Umbrella
limits of the at-fault party verified by date of loss -
5-7 days average processing time
Personal Auto Insurance Discovery
-
Find the insurance carrier and limits
of the at-fault party active on date of loss -
Be able to file your client's claim with
verified insurance carrier once found -
$150 nonrefundable deposit to be subtracted
from final total upon successful results -
No additional fees after deposit
if no insurance carrier found -
Up to 4 weeks processing time
-
*$150 nonrefundable deposit required
Homeowner's Policy Existence
-
Find the insurance carrier and limits
of the at-fault party active on date of loss -
Be able to file your client's claim with
verified insurance carrier once found -
$150 nonrefundable deposit to be subtracted
from final total upon successful results -
No additional fees after deposit
if no insurance carrier found -
Up to 4 weeks processing time
-
*$150 nonrefundable deposit required
Commercial Insurance Discovery
-
Find the insurance carrier and limits
of the at-fault party active on date of loss -
Be able to file your client's claim
with verified insurance carrier once found -
$150 nonrefundable deposit to be subtracted
from final total upon successful results -
No additional fees after deposit
if no insurance carrier found -
Up to 4 weeks processing time
-
*$150 nonrefundable deposit required
Additional fee
-
Additional Fees Case requests for
AAA, Mercury,
Farmers, Farm Bureau, Foremost,
21st Century, State Farm & Bristol West
will incur an additional $30 fee.
We do not accept USAA or Wawanesa cases.
Commercial Insurance Discovery
-
Find the insurance carrier and limits
of the at-fault party active on date of loss -
Be able to file your client's claim
with verified insurance carrier once found -
$150 nonrefundable deposit to be subtracted
from final total upon successful results -
No additional fees after deposit
if no insurance carrier found -
Up to 4 weeks processing time
-
*$150 nonrefundable deposit required
Additional Fees
-
State Farm, Mercury, Farmers Group, and Farm Bureau.
A $30 "Specialty Carrier Fee ", will be applied to final invoice upon successful completion of request. -
$30
Research requests on cases in LITIGATION are accepted and can be successfully processed. But due to the sensitive nature and mandatory protocol required for cases in litigation, a $30 "Litigation Fee", will be assessed and applied to final invoice. -
$50
CANCELLATION FEE applicable only when client is attempting to cancel a request that has already been completed by our team. This fee covers the research fees incurred in the successful processing of the case and pays the researcher who processed it. -
$100
Wawanesa & Southern California AAA
The vast majority of competitors do not accept policy requests for these carriers due to their difficulty and higher cost to research. Our research staff does accept these requests but upon successful completion, a $100 surcharge will be applied to final invoice. -
USAA - not accepted
We are unable to process requests for USAA at this time
-
Two day processing offered Personal Policy & Commercial
-
Policy Limit searches only
-
Personal Policy: +$50
-
Commerical Policy: +$100
-
-
-
Next day processing offered for Personal Policy Limits
-
Commercial Policy Limit, and insurance Discovery searches
-
Personal Policy: +$90
-
Commercial Policy: +$200
-
Insurance Discovery: +$260
EXPEDITED PROCESSING TIME
Additional Fees
-
State Farm, Mercury, Farmers Group, and Farm Bureau.
A $30 "Specialty Carrier Fee ", will be applied to final invoice upon successful completion of request. -
$30
Research requests on cases in LITIGATION are accepted and can be successfully processed. But due to the sensitive nature and mandatory protocol required for cases in litigation, a $30 "Litigation Fee", will be assessed and applied to final invoice. -
$50
CANCELLATION FEE applicable only when client is attempting to cancel a request that has already been completed by our team. This fee covers the research fees incurred in the successful processing of the case and pays the researcher who processed it. -
$100
Wawanesa & Southern California AAA
The vast majority of competitors do not accept policy requests for these carriers due to their difficulty and higher cost to research. Our research staff does accept these requests but upon successful completion, a $100 surcharge will be applied to final invoice. -
USAA - not accepted
We are unable to process requests for USAA at this time
AGED DATES OF LOSS
The older the date of loss, the more difficult the case is to process successfully. To account for the increased costs associated with conducting research on these cases, there will be additional fees for aged dates of loss. The fees are dependent on time previous to the date the request was submitted to us and are as follows:
Date of Loss within 1 year: No Fee
Date of Loss 1-3 years prior: $30
Date of Loss 3-5 years prior: $60
FREQUENTLY ASKED QUESTIONS
Need clarification?
There is absolutely no charge to you if we cannot obtain your requested results. However, it is important to note that a result of “No Coverage” or “Cancelled Policy” will be charged full price. This is because a search that results in these findings verified by the date of loss is still considered to be a successful result, even though we did not find applicable limits.
*Policy Existence searches require a nonrefundable $150 deposit in which you will not be reimbursed upon an unsuccessful search. If your Policy Existence search returns no results, there will be no additional fees.
If you do not know the at-fault party’s insurance carrier, no problem! We will research your case as a Policy Existence request. This means that we will search all applicable data relating to the claim to uncover an active insurance policy on the date of loss. If results are found, you will be provided with the insurance carrier, the policy number, and the policy effective dates. This service does not include a search for policy liability limits, however you can request those for an additional fee.
Specialty carriers consist of a list of insurance carriers that require more extensive time and attention. Because of this, they are more expensive for us to research and will require an additional fee of $30 upon completion of successful results. These specialty carriers include:
AAA, Mercury, Farmers, Foremost, 21st Century, State Farm, and Bristol West.
We do not accept USAA or Wawanesa search requests.
We will gladly refund your money upon verified proof of incorrect results. We stand behind our results 100% and aim for complete accuracy each and every time, however there may be instances of discrepancies between us and our third party data servers. In such instances, we will request that you provide us with a copy of the report indicating differential coverages. We will then rerun your search to verify our findings and locate the error.
Request Form
We are proud to announce our new and improved request form that is streamlined and tailors to your needs. Thanks to Cognito Forms we are now offering some new features that our old request form did not:
*SUBMIT MULTIPLE CASES ON ONE REQUEST – We understand that your time is valuable. Rather than having to send one request at a time you can now click the “+ Add Case” button and add as many cases to that request as needed. This is especially helpful when you have multiple policies you need checked for the same accident.
*HAVE YOU WORKED WITH US BEFORE? – If you have, no longer will you have to fill out all of your firm’s information every time you submit a request. Now by answering “yes”, all the information we will need is your full name, firm name, and email address to submit your request. One more thing that will make filling out a request quicker and easier.
*POLICY EXISTENCE – Do you know the insurance carrier for your case? If not, click “No” and watch the request form transform before your eyes. By clicking “No”, all the fields requiring insurance information will automatically be dropped off leaving only the fields applicable to a policy existence request. No longer will you be required to fill out unnecessary fields with “N/A” or “Unknown”. We require a $150 dollar non refundable deposit on all policy existence requests and you will be required to pay the deposit upon submission of your request.
*PRICING AND FEES SHOWN ON REQUEST FORM – Never again worry about unexpected fees or the cost of running each individual search request. For your convenience we have listed all of our pricing next to the options on the request form so there will be no doubt of confusion about exactly how much you will pay with the successful processing of your request. As always, we DO NOT charge if we cannot process your request.
*IS THE DEFENDANT THE POLICYHOLDER? – If so, click “yes” and the fields for policyholder information will be swallowed up back into the request form only requiring you to fill out defendant information. Just one more thing saving you time and preventing you from providing unnecessary information.
We hope that you enjoy the new changes and that you’ll find it easier and more convenient to submit your case requests. Here at FCA we are committed to always looking for new ways to improve the experience for you, our valued clients. There are no lengths we won’t go to achieve this. We are always open to any suggestions or ideas you may have. If you have some you would like to share please email us at: Research@Fundcapitalamerica.com. As always, thank you for your business and we look forward to working with you!
Research Knowledge Center and Training
Schedule Your Informative Session Today
FCA POLICY LIMIT Research is excited to announce that we are now offering informative webinar training for you and your staff. Learn the benefits of our service, how to use it effectively, and gain the most out of your partnership with us.
We will offer insight and knowledge on a variety of different topics in the industry, including but not limited to:
- How to discern what exact coverages you need
- Explanation of pricing structures and bundles
- How to submit multiple requests at one time
- Explanation of various searches offered
- RAI’s (requests for additional information)
- Policy Existence searches and what they entail
- Expected turn around times & expedited delivery
- Full benefits of our services
- Learn the key factors of successful searches
Feel confident that your staff and colleagues have the knowledge and understanding to get the most out of our services, so you can focus on what matters most: your clients. Gain exceptional knowledge of all aspects of our research so you can better fight for your clients.