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Policy Limit Search Done Right

Insurance Research Services

Insurance of any kind is a tricky subject. Although lawyers do have adequate training to decipher these policies and understand their limits, insurance research requires time and effort. Most attorneys are overwhelmed with all their litigation and case prep tasks that take precedence over researching their client’s insurance policies and the policies of those who caused the accident.

Why Is Insurance Research Important?

Insurance research will allow you, the attorney, to maximize the settlement your client gets in their lawsuit. You will gain clear visibility into the policy limits that support a claim soon after taking on a new client. Additionally, you will have clear understanding of the plaintiff’s insurance liability limits, which will help you demand a fair and just settlement.

Why Choose Fund Capital America’s Insurance Research Services?

With Fund Capital America, your law firm will have access to highly-skilled professionals who are knowledgeable in insurance policies, terms, conditions, and the type of information that is pertinent to your case. They will conduct a quick and through research of the insurance policies, allowing you to focus on your other pressing matters. We provide research services for every type policy, ranging from auto to commercial policies.

How Much Do These Services Cost?

Insurance research services fees are dependant upon the type of policy, the age of the date of loss, and processing time. Refer to the table below for a breakdown of our service packages and prices. A fee will not be charged if no results are found. 

Please note that each package will include research on the policy and umberella limits for the at-fault party as well. 


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 days average processing time
  • Two Business Days +$50.00
  • 12 Business Hours +$90.00
  • Umbrella Limits, if found, are available for puchase for an additonal $85.00

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 days average processing time

Homeowner's 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
  • 3-5 days average processing time
  • Umbrella Limits, if found, are available for puchase for an additonal $85.00

Homeowner's 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 days average processing time

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
  • Two Business Days +$100.00
  • 12 Business Hours +$200
  • 5-7 days average processing time

Commercial 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
  • 5-7 days average processing time

Personal Auto Insurance Discovery

$ 545 Starting at
  • Up to 4 weeks processing time
  • *$150 nonrefundable deposit required

Homeowner’s Policy Existence

$ 595 Starting at
  • Up to 4 weeks processing time
  • *$150 nonrefundable deposit required

Commercial Insurance Discovery

$ 645 Starting at
  • 12 Business Hours +$260
  • Up to 4 weeks processing time
  • *$150 nonrefundable deposit required

*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.
****Deposit is nonrefundable and will be applied towards the total amount upon discovery of results

Additional fees

The following are additional fees that would be applied to the total cost:

$ 30
  • If the insurance policy is from State Farm, Mercury, Farmers Group, and Farm Bureau
$ 30
  • Litigation Fee for cases already in motion
$ 50
  • Cancellation Fee - applies only if report is already completed
$ 100
  • Southern California AAA
$ 30
  • Date of Loss 1-3 years prior
$ 60
  • Date of Loss 3-5 years prior

Contact Fund Capital America Today

Fund Capital America will provide a quick turnaround time with high-quality research results on your client’s insurance policy and the at-fault party’s policy as well. Sumbit a request form today or call us at (855) 870-2274 to get started.

2 Business Days

  • Two day processing offered Personal Policy & Commercial
  • Policy Limit searches only
  • Personal Policy: +$50
  • Commerical Policy: +$100

12 Business hours

  • Next day processing offered for Personal Policy Limits
  • Commercial Policy Limit, and insurance Discovery searches
  • Personal Policy: +$90
  • Commercial Policy: +$200
  • Insurance Discovery: +$260


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


Additional fees

$ 30
  • 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



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:


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.


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.


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.


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.


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: 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:
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.
Terms and conditions

FCA Legal Funding is not a direct provider of insurance tracing, policy limit, policy existence search services. FCA Legal Funding uses the expertise of FCA Policy Limit Research, LLC to facilitate customers’ requests. Any and all insurance tracing services are provided by and through a third party. FCA Legal Funding does not direct, supervise or oversee the business practices of third party insurance research companies. These terms and conditions adhere to the terms of service of FCA Policy Limit Research, LLC. In case of any complaints or discrepancies the terms and conditions mentioned herein will hold priority.

This Request is processed through FCA Policy Limit Research, LLC, an Idaho limited liability company (“Company”), and/or using Company’s website, you (“Customer”) acknowledge that you have read, understood and agreed to these terms and conditions:

1. Turnaround Time: Please see our advertised processing time depending on type of search: Policy Limits Search = Personal Auto / Umb / Homeowners = 2 to 3 business days Commercial policies / Commercial Umb = 5 to 7 business days Cursory Insurance Search = 5 to 7 business days. Request will not be submitted for processing until deposit is received unless prior arrangements made. Insurance Discovery Search = Up to 14 business days. Request will not be submitted for processing until deposit is received unless prior arrangements made.

2. Privacy Policy and Electronic Communications: Company respects Customer’s privacy and understands the importance of protecting your personal and financial information. We do not collect demographic information. We do not track visitors. Our website is SSL secured. We do not store data with third parties. Customers are able to opt out of marketing emails by sending an email to Company requesting to unsubscribe from Company’s communications. Company will not disclose Customer’s information to third parties for purposes unrelated to your request(s). Additionally, Company shall not share information provided by Customer except for authorized purposes, including information necessary to fulfill Customer’s request. Company utilizes JotForm and Analytics, whose privacy policies are found at Customer agrees to maintain and update Customer’s information via Company’s website. Customer agrees that all transactions or communications to or from Company may be conducted electronically.

3. Fees: Customer agrees to pay Company upon receipt of requested results. Additional $30 fee will be assessed for “specialty carriers”: AAA, Farmers Group, Mercury, State Farm, and Farm Bureau. Requests for Wawanesa policies are assessed an additional $100. Any case requests of 1 year or more from the date of loss are assessed an additional $30. Requests 3 to 5 years an additional $60. Requests of 5 years or more from the date of loss are an additional $100. Company will not send an invoice unless your request is successfully processed, and your results sent. All provided information must be confirmed by our quality experts to qualify as “successful”.  All requested policy information will be forwarded as an attachment with your final invoice. With the exception of a required deposit depending on type of search, no fees or charges are assessed if we cannot process a client’s request. A full refund will be given with proof of inaccurate policy information. An internal review must be performed prior to the issuing of any refund.

4. Affirmations and Declarations:  Customer agrees to utilize Company’s services only for lawful purposes in all applicable jurisdictions. Customer agrees that, to the best of Customer’s ability, Customer will: (a) request all information required at the time the initial request is submitted, and (b) provide accurate, current, and complete information about the individual(s) or companies to be searched. Customer acknowledges that if any information provided to Company is inaccurate, incomplete or not current, Company will not be held responsible for any resulting inaccurate reports or information provided to Customer, or for Customer’s associated damages. Further, Customer acknowledges that information provided by Company is collected from third-party sources and may thus be inaccurate, incorrect, out of date, and contain errors or omissions.

5. Disclaimer: Customer agrees that the information Company provides to Customer is to be used for general information purposes only. While Company endeavors to maintain all information and reports current and accurate, Customer acknowledges that Company utilizes third-party services whose information may be inaccurate, incomplete or out of date. All services are provided on an “as is” and “as available” basis. Therefore, Company and its partners, employees, agents, affiliates and contractors make no representations, undertake no duties, and assume no responsibilities for the accuracy or completeness of forms, reports or other information provided to Customer, nor for any errors or omissions contained therein. Company disclaims all warranties and duties of any kind, whether express, implied or statutory, including, but not limited to, implied warranties of merchantability or fitness for a specific purpose, duties of workman-like effort or negligence. Company’s services, reports and information shall be used at Customer’s own risk. Customer is responsible for implementing processes and procedures to satisfy Customer’s requirements for accuracy and completeness of information prior to acting in reliance on such information. Customer’s sole remedy for any damages incurred related to this contract against Company (or any of its partners, employees, agents, affiliates and contractors) shall be a refund of the amount paid for the service which caused Customer to incur any such damages, even if such damages resulted from reasonable reliance on information Company provided to Customer. Customer also agrees that the damage exclusions and this limitation of liability shall apply despite any failure of an applicable remedy’s essential purpose.

6. No Incidental or Consequential Damages: Customer agrees, to the fullest extent allowed by law, that neither Company nor any of its partners, employees, agents, affiliates and contractors will be liable to Customer or any other person or entity for any damages, including, but not limited to, general, special, incidental, consequential, indirect or punitive damages, resulting from any cause, including, but not limited to, damages resulting from reliance, goodwill or professional liability, whether or not Company has been advised of the possibility of such damages, under any legal or equitable theory of liability, including theories of tort or contract, arising from the use of the Company’s information and services.

7. Indemnification: Customer agrees to indemnify Company and hold it harmless from and against all claims (including for legal and attorney fees and costs) arising out of or relating to: (a) Customer’s breach of any terms of this Agreement, (b) Customer’s improper use of Company’s services to violate the laws and regulations of any relevant jurisdiction, (c) claims resulting from information provided by Customer, and (d) claims resulting from actions taken based on information provided by Customer.

8. Termination or Cancellation: Company reserves the right to refuse to provide services to Customer without notice and cause.

9. Governing Law: This Agreement shall be governed by the laws of the State of Idaho without regard to its conflict of law provisions. Should a dispute arise, Customer and Company agree to submit to the personal and exclusive jurisdiction of the courts located within Ada County, Idaho.

10. General Provisions: Neither this Agreement nor any part or portion thereof may be assigned or transferred by Customer without Company’s written prior consent. Should any provision of this Agreement be held void, invalid, unenforceable or illegal by a court, all other provisions shall remain in effect. Failure to enforce any provision of this Agreement shall not be construed as a waiver of such provision or of the right to enforce such provision.

11. Amendments to Terms: Company may at any time, and at its sole discretion, amend this Agreement by posting an amended Agreement on its website. Any changes that Company makes to this Agreement will be effective upon posting. Please check this page periodically for amendments to the Agreement. Customer can determine whether this Agreement has been amended by referring to the date appearing at the end of this section. Customer’s use of this website or submission of a search request following the posting of any amendments constitutes acceptance of those amendments. Agreement last amended: September 17, 2019.

12. Effect of Agreement: This Agreement, including all amendments, embodies the entire agreement between Customer and Company. If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the parties agree that the court shall endeavor to give effect to the intentions of the parties as reflected in that provision and the remaining provisions of this Agreement, which shall remain in full force and effect.

13. Copyright Notice: Subject to the express provisions of these terms and conditions, Company, together with its licensors, owns and controls the copyright and intellectual property rights to its website. Unless you own or control the relevant rights in the information or material provided by Company, you shall not republish, sell, rent, sublicense or redistribute such information.

14. No Third-Party Rights: Customer may not without Company’s prior written consent assign, transfer, sub-contract or otherwise delegate any of its rights and/or obligations under this Agreement. This Agreement is for the benefit only of Customer and Company and is not intended to benefit or be enforceable by any third party.

15. Contact Information:  You may contact us by email or click here.

16. Updated Payment Policy:  Payment is due upon receipt of requested policy information. Service requests may be cancelled without if request has not been processed. Requests cancelled after results have already been processed will receive a $50.00 cancellation fee. We reserve the right to refuse service to anyone at any time. Non-refundable deposits on all insurance discovery searches. Company will only charge full price on umbrella searches if a policy is located; a 50% discount will be applied our search results in a “confirmed no coverage”. Invoices are due upon receipt with a grace period of 14 days for payment by check. A $25 late fee may be assessed after 30 days of non-payment. Invoices 45 days past due may be assessed a late fee of $50. We attempt to avoid late fees if at all possible. We ask the courtesy of prompt payment in return. New requests may stop being accepted until your past due balance is paid in full. Clients forwarded to collections shall be charged an additional processing fee of $50 per unpaid invoice. We reserve the right to withhold services at any time.

17. Customer agrees that FCA Legal Funding reserves the right to provide these services to customers who visit its website and submit requests.

18. Customer understands and agrees that FCA Legal Funding is only a medium and facilitator of above mentioned services and FCA Legal Funding is not responsible for any terms of service herein.

19. Customer agrees and understands that FCA Legal Funding is not and will not be responsible for any provisions and amendments that embody the entire agreement between Customer and FCA Policy Limit Research, LLC.

20. Customer agrees and understands that FCA Legal Funding and its affiliates and subsidiaries will not be held liable in any court of law for all matters related to the terms and conditions of this agreement and services provided through FCA Policy Limit Research, LLC.

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