Questions About Insurance Policy Tracing

What is a Policy Limits Trace?

A Policy Limits Trace requires that you provide the name of the Insurer and a Policy or Claim Number. A Policy Limits Trace seeks to identify the policy limits of the policy number specified on the Request Form as they were on the date of loss provided. Please note that a Policy Limits Trace does not determine whether a policy was in effect on a specific date of loss, nor does it verify whether a particular vehicle or specific property was insured under the policy. If the limits of the policy that you have requested are successfully identified, you will be invoiced even if the policy was not in effect on the date of loss that you provided and/or didn’t cover a specific loss regardless of the reason.

What is a Policy Existence Trace?

A Policy Existence Trace seeks to identify a policy of the type you specify, effective on the date of loss provided and covering the defendant entity/individual listed on your Request Form. A successful Policy Existence Trace will provide the Insurer's Name, Address and Phone Number to you.

What is a Policy Number Trace?

A Policy Number Trace is an “add-on” service which seeks to identify the policy number for a policy that you know to be in effect for a target defendant with a specific insurance company. Please note that the results of a Policy Number Trace do not include Policy Limits or Policy Existence.

What if I want you to search on more than one defendant in the same case? Do I need to submit a separate Request Form for each defendant?

While there are no hard and set rules, we suggest that you submit one request form per case, per defendant.

What if I have a case where the injury is not one specific date, but rather a "period of time" say for 6 months or 2 years, etc. How does that work?

The exact same as a standard search. However, as more than one policy may have been written covering the time frame in question, you may wish to place a cap in advance on the number of policies you wish for us to report to you. You will be billed for each policy we trace.

What if you find a policy but the policy excludes coverage - for example in an auto policy where there is no Bodily Injury?

The purpose of the service provided by MLRG is simply to provide you with the insurance carrier and/or agent the defendant is insured with for the type of coverage requested. We have no control of the wording or exclusions of the policy reported.

Does that mean that if I request auto insurance on a Defendant and you are unable to find an auto policy but you supply details of the Defendant's homeowner's policy, you will charge me on the basis that you have "no control of the wording or exclusions of the policy"?

No, we must supply you with the insurance details for the "specific" type coverage you requested before we can charge you.

What if I request insurance details, policy limits and policy number, but you can only provide us with the insurance details - how are we billed?

While this rarely occurs, there would be no charge for the policy number search or the policy limits search, however the fee for the insurance details would be payable.

What do I actually receive when requesting an insurance search and how do I receive it?

At the completion of our research you will be supplied, via facsimile, with a typed [usually one-page] report outlining the full name, address and phone number of the insurance carrier and/or agent the coverage was placed through. If we were unable to find any coverage, you be supplied via facsimile with a typed [usually one-page] report to that effect.

What if I request a search for homeowners coverage AND umbrella/excess coverage, or auto coverage AND umbrella/excess, or business coverage AND umbrella/excess - how am I billed?

If we find two policies, you will be charged for two searches - even if the umbrella/excess is with the same insurer as the primary cover.

I submitted a Policy Existence Trace request for a specific defendant/homeowner on a specific date of loss. Will I be billed if MLRG uncovers a policy for the defendant in a dog bite case, but the located policy does not cover the specific address where the injury occurred?

Yes. Our search is done strictly on the basis of locating an insurance policy that is in existence for a named defendant on a particular date of loss. Unfortunately, we are not able to "dig into" specific policy language to determine the policy’s inclusions or exclusions. As a result, you will be invoiced in accordance with our fee schedule for each policy found for that defendant, unless we are unable to find any policy in effect on the specific date of loss for the named defendant.

What if I send you a case - for example to find homeowners insurance and the home is possibly listed in two or more names. Do you charge a fee for each name searched?

No, while we will search under all names, we only charge on a per policy basis. So, if we only find one policy under one or more of the names provided, it will be charged as one search.

Can MLRG search for any type of insurance?

Yes, we have the capability to attempt to trace any type of liability insurance. Our researchers have traced coverage from basic auto accident cases to complex mesothelioma cases dating back to the late 1950's. We know of no type of liability coverage that we are unable to attempt to trace.

Can MLRG trace life insurance policies?

Currently, this is not an area we have expanded into. We are considering offering this in the future.

Can you search for umbrella/excess coverage only in a case?

Yes, indeed we can. However we ask that you supply us with the primary coverage details when making the request. This is for two reasons: (1) These details may provide "telltale" information that would assist us in tracing additional coverage; and (2) we want to be somewhat satisfied that the potential exists that the defendant might carry such coverage. The majority of insurance carriers will not write an umbrella policy unless the primary policy limits are at a minimum of $250,000 / $500,000. In other words we would not search for umbrella/excess coverage on a defendant with minimum limits coverage on his/her vehicle, etc.

I am already aware of some policies on a defendant but there possibly may be more. Can you help? How do I avoid being billed for policy information I already have?

Yes, we can help. However, in order to avoid a conflict of who found what policies, we would simply ask that you supply these details at the time of your request. You will not be billed for policies you are already aware of provided you have made them known to us in advance.

Do you actually obtain a copy of the policy itself or the declaration sheet?

No, we have neither the capability nor authority to provide a copy of either of these documents.

What if you supply me with details of a policy and I later learn that the policy actually expired prior to the date of loss? What if it did not commence until after the date of loss - do I still have to pay your fee?

No, we only charge if we locate a policy in effect on the date of loss. If you received an invoice we will void it. If you have already paid the invoice you will receive a full refund or a credit - whichever you prefer. We would only ask that your office supply us with a copy of the document from the insurance carrier evidencing your position about the reported policy.