Frequently Asked Questions

There is absolutely no charge if we are unable to successfully process your request. However, it is important to note that a result of "No Coverage" or "Cancelled Policy", are considered confirmed results. 

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.