Right to Amend

Professional Legal Investigative Group, Inc. may amend these Terms and Conditions at any time by posting an amended version on its website. Any prior version is superseded and replaced by the most recent publication.

Legal Venue

These Terms and Conditions shall be construed, interpreted, and enforced in accordance with the applicable laws of the State of Florida. If legal action is necessary to enforce these Terms and Conditions, the parties agree that jurisdiction and venue shall be in the appropriate court in Palm Beach County, Florida. The requestor agrees to accept service of any such action via email or United States Postal Service. The prevailing party shall collect all reasonable costs and expenses incurred in such action, including attorney's fees.

Definitions

Insurer is defined as the Carrier, Agent, Broker, or a Defendant found to be self insured.

Date of Loss is defined as the date provided on the Request Form. If a loss period is given instead, the loss date is any date during that reported period.

Policy Existence / Identifying the Insurer is defined as providing the Submitting Party with the name, address, and telephone number of the Insurer insuring the named Defendant on the loss date specified. Should the Insurer no longer be in business, we will report the Insurer's name and last known address on record when operations ceased.

Cancellation is defined as the termination of any Request at any point following its receipt.

Process

Request Forms should be transmitted only one time and via only one means (email, fax, mail, etc.). Each Request received is assigned a unique case number and is processed and billed individually. It is the Submitting Party's responsibility to ensure duplicative or substantially similar Requests are not submitted; disputes of fees resulting from duplicative Requests will not be entertained.

Searches are performed under the Defendant name(s) only. Policies found may or may not cover the target vehicle or property owned or operated by the Defendant. The Submitting Party will be invoiced in accordance with the Fee Schedule.

Standard turnaround time for research is approximately fifteen (15) business days. Results are sent to the Submitting Party immediately upon completion, along with the associated invoice.

When requesting a Policy Limits Trace of an established policy, the Submitting Party must include the policy number and/or claim number and any correspondence from the Insurance Carrier.

Fees & Billing

Payment terms are net fifteen (15) days, beginning from the date the report and invoice are produced. Invoices not paid within twenty (20) days are subject to a ten dollar ($10) penalty. Invoices not paid within ninety (90) days may result in collections action and pursuit of available legal remedies. Payment is accepted via check or money order only.

If incomplete or inaccurate information is provided with a Request, we will do our best to notify the Requesting Party of any additional fees that may apply as a result.

Policy Existence Traces are not conducted on a no find, no fee basis; a $25 processing fee applies regardless of outcome. Policy Limits, Umbrella, and Policy & Claim Number Traces carry a $25 no-hit fee if no policy or requested information is found. Fees quoted on the Request Form and Fee Schedule are per policy researched and will apply where a policy or self insurer fails to provide coverage for any reason (including policy exclusions), unless the reported policy or self insurance was not in effect on the date of loss.

Should only part of the requested information be obtained, the invoice will reflect only that portion. For example, if a Request seeks policy existence, policy number, and policy limits, but only the Insurer is identified, the invoice will be for only the portion of information provided.

A $25 no-hit fee applies if policy limits cannot be identified on the date of loss. When only a policy limits search is requested, we assume the Requesting Party has already confirmed the policy was in effect on the date of loss. Policy limits are reported as they stood on the date of loss; if the policy is found not to have been in effect, limits will be reported as zero ($0), and fees will still apply.

Rush requests are placed ahead of all non rush requests. The rush fee is waived if the requested information is not obtained, or if research takes more than ten (10) business days. Rush fees are charged per Defendant.

Commercial Policy Limits Traces, Commercial Insurance Traces, Premise Policy Limits Traces, and Premise Insurance Traces are flat-fee services and are not scaled by date-of-loss range; see the Additional / Other Fees table above for current pricing.

Asset Checks, Skip Tracing, and Comprehensive Background Checks are billed hourly rather than as flat-fee or date-of-loss-scaled services; see the Other Investigative Services Provided table above for current rates.

To avoid being invoiced for policies already known to exist, please indicate that policy information on the Request Form at submission. We have no way of knowing what policies, if any, the Requesting Party is already aware of unless specifically told. Policies noted on police reports are not automatically treated as known policies unless we are specifically advised that they are valid and should be excluded from the results.

Disputes of Results and/or Fees

Disputes must be made in writing and include documentation from the Insurer illustrating the alleged discrepancy. Notice of a dispute must be received within ninety (90) days of the invoice date; disputes brought after this period will not be entertained. We reserve the right to provide a revised or amended report in response to any dispute at our sole discretion. Should a revision or amendment be unavailable, compensation will be limited to either a void or waiver of the specific unpaid invoice, or a refund of paid fees as calculated by the Fee Schedule.