Our Pricing

Personal Auto Policy Limits

starting at $140*

*standard price when date of loss is within one year

+$30 fee when date of loss is aged 1-3 years


  • Find the Auto Policy limits of the at-fault party verified by date of loss
  • 3-5 days average processing time

Personal Umbrella Policy Limits

starting at $160*

*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 the date of loss
  • 3-5 days average processing time

Commercial Auto Policy Limits

starting at $270*

*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 Policy limits of the at-fault party verified by date of loss
  • 3-5 days average processing time

Commercial Umbrella Policy Limits

starting at $270*

*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 Policy limits of the at-fault party verified by date of loss
  • 3-5 days average processing time

Homeowner's Policy Limits

starting at $160*

*standard price when date of loss is within one year

+$30 fee when date of loss is aged 1-3 years


  • Find the Homeowner's Policy limits of the at-fault party's residence verified by date of loss
  • 3-5 average processing time

Homeowner's Umbrella Policy Limits

starting at $160*

*standard price when date of loss is within one year

+$30 fee when date of loss is aged 1-3 years


  • Find the Homeowner's Umbrella Policy limits of the at-fault party verified by the date of loss
  • 3-5 days average processing time

Personal Policy Existence

starting at $499*

*$150 nonrefundable deposit required


  • Find the insurance carrier 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

Homeowner's Policy Existence

starting at $549*

*$150 nonrefundable deposit required


  • Find the insurance carrier 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

Commercial Policy Existence

starting at $599*

*$150 nonrefundable deposit required


  • Find the insurance carrier 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

Expedited Delivery

PERSONAL EXPEDITED

2 Business Day

+$50

PERSONAL NEXT DAY

12 Business Hours

+$90

PERSONAL SAME DAY

6 Business Hours

+$120

COMMERCIAL EXPEDITED

4 Business Day

+$100

COMMERCIAL NEXT DAY

12 Business Hours

+$200

COMMERCIAL SAME DAY

6 Business Hours

+$300

Additional Fees

Case requests for AAA, Mercury, Farmers, Foremost, 21st Century, State Farm & Bristol West will incur an additional $30 fee. 

We do not accept USAA or Wawanesa cases. 

RESEARCH BUNDLES

Now introducing: Prepaid Bundle options

We are excited to announce the launch of our new prepaid bundling options for your standard research needs. These options include a flat rate for bulk orders with a cost effective price structure. 

STANDARD-1
FREQUENTLY ASKED QUESTIONS

Need clarification?

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.