How to Find Insurance Policy Limits on a Personal Injury Case

How to find insurance policy limits on a personal injury case usually starts with a written request to the at-fault driver’s insurer. Some states require insurers to disclose limits on request; others don’t, and firms rely on the client’s own coverage, the defendant’s cooperation or discovery after suit. Knowing the limit early shapes the whole case.

• HelloCounsel’s Case Opening agent calls each carrier until the claim number is in the case file.
• It collects insurance cards and driver’s IDs from clients.
• It checks what the case file is missing and follows up until it’s complete.

Why are policy limits hard to find?

Insurers don’t always have to tell you. Disclosure rules vary by state, and many carriers won’t reveal limits before a lawsuit unless the law or the insured requires it. Firms often learn the limit late, after time has gone into a case worth less than they thought.

Common obstacles:

• State rules differ: Some states require pre-suit disclosure; many don’t.
• Insured must consent: Some carriers disclose only with the insured’s permission.
• Multiple policies: Umbrella and employer policies may also apply.
• Slow responses: Written requests sit unanswered without follow-up.
• Claim not set up: Without a claim number, requests go nowhere. See letter of representation.

Do insurers have to disclose policy limits?

It depends on the state. Florida, for example, requires liability insurers to disclose policy information within 30 days of a written request from a claimant (Fla. Stat. 627.4137). Other states have their own rules or none, so check the law where the claim is before you send the request.

Your attorneys decide how to approach disclosure in each state.

How do PI firms request policy limits?

With a clear written request and steady follow-up. Send it to the adjuster with the claim number, cite any state statute that applies, and ask for the declarations page and any other policies. If the carrier refuses, some firms ask the insured to consent or wait for discovery.

What to ask for:

• Liability limits. Per-person and per-accident limits.
• Declarations page. The page that lists coverages and limits.
• Other policies. Umbrella, excess or employer coverage.
• Client’s own coverage. UM/UIM, PIP or MedPay limits on the client’s policy.

What does finding policy limits late cost a PI firm?

Time spent on a case the limits can’t support. When limits turn out low, records, treatment tracking and demand work may outrun what the case can recover. Knowing early helps the firm plan the case, including the client’s own UM/UIM coverage.

Worked example · mid-size firm

Illustrative figures; replace with the firm’s own numbers.

Every call has to start with a claim number on file. See law firm client onboarding.

Should staff, a policy-limits service or an AI agent handle the follow-up?

Firms find limits in three ways: staff request and chase them, a policy-limits search service investigates, or an AI agent handles the calls that set up the claim. Services may find information the carrier won’t share, for a fee. Agents keep claims moving so requests have a claim number behind them.

For pre-suit workflow, see pre-litigation case management.

How does HelloCounsel help at case opening?

HelloCounsel’s Case Opening agent does the chasing that opens a case. It collects insurance cards and IDs from clients, calls each carrier until the claim number is in the case file, and checks what the file is still missing. Your attorneys handle the policy-limits request and any disclosure dispute.

Here’s what the case opening automation does on each new case:

• Collects client documents: Gathers insurance cards and driver’s IDs.
• Calls the carrier: Calls until the claim number is in the case file.
• Opens files together: Works every new case at once.
• Catches gaps: Checks what the file is missing and follows up.
• Frees your team: Your team focuses on clients and strategy.
• Works inside your CMS: Filevine, Litify, Neos or CasePeer, with no new training for your team.

What do firms say about working with HelloCounsel?

“Working with HelloCounsel has been an outstanding experience. Their commitment to client service and innovation is evident in everything they do.”

Anthony Ramos, COO, Pendergast Law

Frequently Asked Questions

1. How do I find out the other driver’s policy limits?

Start with a written request to their insurer that includes the claim number. Whether the insurer must answer depends on state law; some states require disclosure on request and others don’t.

2. Do insurance companies have to tell you policy limits?

Not everywhere. Florida requires disclosure within 30 days of a written request (Fla. Stat. 627.4137); other states have different rules or none. Check the law where the claim is.

3. What is a declarations page?

It’s the page of an insurance policy that lists the insured, the coverages and the limits. Firms often ask for it with the policy-limits request.

4. What if the insurer won’t disclose limits?

Options include asking the insured to consent, checking the client’s own UM/UIM coverage, or getting the information in discovery after a suit is filed. Your attorney decides the approach.

5. Can AI find policy limits?

HelloCounsel doesn’t search for policy limits. Its Case Opening agent handles the calls that open the claim, getting claim numbers into the file so your team’s requests can move.

6. Does the Case Opening agent work with my case management system?

The agent works inside Filevine, Litify, Neos and CasePeer, so claim numbers and documents land in your case file. If your firm uses a different system, raise it on a demo call.