Frequently Asked Questions

Take on a new client with confidence in knowing how to handle their case's individual needs. Navigate the claims process with ease and efficiency using our innovative solutions. Need help? Have questions? Read our Frequently Asked Questions or contact us today.

Is there really NO charge for no results?

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 have purchased a prepaid Research Bundle and receive unsuccessful results on a case, your credit for that search will not be used and you may submit another entry to satisfy your prepaid bundle purchase. 

What if I don't know the at-fault party's insurance carrier?

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. 

What are specialty carriers, and why is there 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. 

Is there a money-back guarantee?

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. 

What makes Pacific Liability different?

We are proud to be different, and proud to stand out! Pacific Liability Research is dedicated to ensuring accuracy, efficiency, and transparency in an industry that is often lacking those qualities. We employ a sure-fire method of data analysis, research, quality control, and customer service to ensure your satisfaction- every time. All of that, paired with competitive pricing and customization to provide you with endless possibilities in utilizing our service. 

One stop for all your firm's research needs