Questions About Insurance Research Services

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.

How many attorneys do you provide this service to?

Currently, we supply this service to thousands of plaintiff lawyers in the USA, Canada and Europe.

Is this service available on any defendant nationwide?

Yes, including Puerto Rico, Guam, U.S. Virgin Islands, The Caribbean and Canada. More countries are being added all the time so if your defendant resides outside of these countries, contact us before you decide not to submit your request.

How do your services work in a situation wherein I have a case for which the injury did not occur on a specific date, but rather over a “period of time”, say for 6 months or 2 years, etc.?

In the exact same fashion as a standard search where there is one specific date of loss, but a separate “Period of Loss” flat fee (see Fee Schedule) will apply. Additionally, as more than one policy may have been written covering the time frame in question, you will be billed for each policy we identify.

What is your success rate?

If the defendant is insured, our success rate is around 90%.

How do I submit a request?

Complete our standard Request Form, which you can download from this web site [or e-mail us, or call us at 1-800-253-9022 and we will fax you a copy]. Then simply fax your request to us 480-237-1179.

My case is somewhat complicated and your standard Request Form will not suffice. What do you suggest?

You may simply provide a memorandum to accompany the request, along with any other useful material to help explain specifically what you require, or simply call us ahead of time at 1-800-253-9022.

Your request form indicates that additional fees may apply in some cases - why is this?

The basic fee is intended for the straightforward accident case having occurred within the past year (from the date your trace request). Approximately 75% of our cases are billed out at the basic fee. However, as we handle all types of cases including very complex cases - some dating back to the 1950's it is impractical to think that we could conduct such voluminous research for our basis fee. Additional fees are also demanded in cases going back more than a year simply because the research time is lengthier and our success rate diminishes. Requests that have incomplete and/or inaccurate information also call for additional research which must be considered - especially when offering this service on a "no find - no fee" basis.

The idea that this service is available on a "no find - no fee" basis makes it very attractive. However, do you see a time when this will change and you will begin charging a "no hit" fee as well?

We see no conceivable reason why this service cannot remain under the current fee structure as long as plaintiff attorneys are accepting cases on a "no win - no fee" basis.

What extra does the Rush Fee get me? If I offer to pay the Rush Fee can you promise to complete your research within a specific timeframe?

We promise to put your case ahead of all other non-rush cases and work on it as expeditiously as possible. However, it is no more feasible for us to promise a specific date to complete our research than it is for you to advise your client the exact date his/her claim will be settled. If, however, we have not completed our inquiry in a reasonably fast time, the Rush Fee is waived.

What is your average turnaround time?

Using the criteria of a recent accident date and having been supplied with current and correct details of the defendant, the average turnaround time is 15 business days.

Do you offer discounts for volume requests?

No. Volume requests do not necessarily equate to a higher profit to MLRG - especially if a percentage of them have uninsured defendants. Our researchers work on a "no find - no fee" basis and we see it unfair to discount their pay with this arrangement.

Do you accept early Policy Trace cancellations?

No. If you decide to terminate a search, a cancellation fee applies (see Terms & Conditions).