Coastal Investigative Research, LLC
DBA Coastal Research
Terms & Conditions
Effective Date: 06/17/2026

Coastal provides data analysis Services, due diligence Services, insurance research services, and predictive search Services (“Services”) exclusively to licensed plaintiff personal injury attorneys, agents of those attorneys, or the law firm employing a licensed plaintiff personal injury attorney representing motor vehicle accident victims in connection with or in anticipation of litigation. Coastal’s Services do not extend to any purpose related to credit reporting, employment background searches, or any purpose not in connection with anticipated or pending litigation originating from a motor vehicle accident.

Coastal’s investigative and/or data analysis work is limited to providing a policy limit probability report and, where applicable, asset information, together with supporting information that may corroborate the report. Coastal utilizes lawfully available personally identifiable information (“PII”) obtained from the Client or through third party investigative platforms. Coastal does not provide legal advice, settlement evaluation, or case strategy, and nothing furnished by Coastal should be construed as such.

Coastal’s Services are provided for informational case-assessment purposes only. Our mission is to predict the policy limits of a defendant or business entity with the highest accuracy possible utilizing lawfully available information. The purpose of this informational report is to help combat the rise in nondisclosure, concealment, or misrepresentation of liability policy limits. It is also meant to assist in case-risk analysis. Coastal conducts its Services in good faith, for lawful purposes, and at the direction of an engaging attorney.

Coastal performs its Services only under the engagement of a licensed plaintiff attorney, the attorney’s authorized agents, or the law firm employing a licensed plaintiff attorney. Submission of a case to Coastal, together with acknowledgment of these Terms, constitutes the attorney’s engagement and direction.

By submitting a case, the Client represents and certifies that the submission accurately identifies the matter, including all relevant parties and the relevant case number (if one exists); that the submission identifies the jurisdiction or jurisdictions in which the firm is located; that the attorney has determined the requested investigation is necessary for case assessment; that the investigative need arises from concerns of nondisclosure, concealment, or misrepresentation relating to coverage limits; and that the engagement complies with all applicable professional, ethical, and legal obligations, including any applicable rules of professional conduct, state bar requirements, and licensing or investigator-licensing laws of the jurisdictions involved. Any individual submitting a case for the Client represents and warrants to have the authority to bind the Client to these Terms.

The Client specifically certifies it is submitting information that complies with the Gramm-Leach-Bliley Act (“GLBA”), the Drivers Privacy Protection Act (“DPPA”), applicable Federal Trade Commission (“FTC”) regulations or laws, and/or the Fair Credit Reporting Act (“FCRA”). The Client certifies it has not obtained any information provided to Coastal in violation of any of the foregoing federal laws or regulations, any state-specific law, or in any other method which would result in Coastal coming into possession of confidential or protected PII.

Client certifies the purpose for engaging Coastal for the Services includes investigation related to legal proceedings to prevent the perpetuation of fraud, misrepresentation, wrongful withholding of information, and/or case-risk evaluation. Client will not provide Coastal with any information that is not necessary for Coastal to complete the Services for these stated purposes.

The Client further represents that the information submitted to Coastal is true and accurate to the best of the Client’s knowledge, the Client has the authority to engage Coastal on behalf of the represented person or party, and that no part of the engagement is intended for harassment, intimidation, stalking, or any unlawful purpose.

Coastal’s Services are limited to predicting personal policy limits and, to the extent possible, verifying lawfully available information. This lawfully available information may include, but is not limited to, liability policy limits of a commercial entity and potential assets. Coastal does not guarantee it can or will be able to verify its predicted policy limits. Coastal’s Services are not a substitute for statutory disclosure, formal discovery, or other legal processes. The Client remains responsible for pursuing those processes when appropriate.

Coastal does not, and will not, conduct searches that involve or attempt to access, verify, or predict statutorily protected information, information protected by federal regulations, consumer credit reports or histories, medical or health records, insurance claim file contents, telecommunications records, motor vehicle records protected by law, tax records, government benefit records, or any other nonpublic personal information protected by financial, health, or privacy regulations. Coastal’s Services rely solely upon information that is available through public means or obtainable through third-party investigative methods.

Coastal does not assemble, evaluate, or furnish consumer reports, and does not provide information to determine creditworthiness or eligibility for credit, insurance, employment, housing, or any other purpose governed by the Fair Credit Reporting Act. Information provided by Coastal may not be used for any FCRA-regulated purpose, and the Client agrees not to use Coastal’s reports for any such purpose. No Service rendered by Coastal is meant to be construed as Coastal acting as a Consumer Reporting Agency.

All information provided by Coastal is strictly for informational and data analysis purposes. Information is delivered “as is,” without warranties of any kind, express or implied, including without limitation any warranties of accuracy, completeness, reliability, merchantability, or fitness for a particular purpose. Coastal explicitly disavows, and Client specifically acknowledges, there is no guarantee of accuracy as it relates to the policy limits Coastal predicts to be available. Reports generated by Coastal may not be relied upon as proof or verification of insurance coverage. The Client must independently verify what insurance coverage, if any, is available through available legal means or processes.

Coastal does not guarantee, warrant, or represent that any results, findings, or information provided are complete, accurate, or free from error, and the Client acknowledges that errors, omissions, and inaccuracies may occur. All materials, analyses, and outputs generated by Coastal are for informational and research purposes only and are not intended to create reliance of any kind. Coastal expressly disclaims any responsibility or liability for how the information is used or interpreted in any legal, professional, or strategic context. All results must be independently reviewed, confirmed, and verified by the Client or another appropriate professional within the scope of their case or matter outside of Coastal, and the Client remains solely responsible for ensuring the accuracy, applicability, and legal sufficiency of the information before relying on it in any capacity.

Fees for Coastal’s Services are due as quoted or invoiced at the time of engagement and are payable in accordance with the terms specified in Coastal’s Fee Schedule, which is incorporated by reference herein. Unless expressly stated otherwise in writing, all fees are earned upon performance of the requested investigation, regardless of the findings or whether the requested information is ultimately obtained. The Client understands that Coastal is paid for the investigative effort and methodology, and not for any specific outcome of the submission, result, or accuracy of a result.

Payment of these fees is due within seven (7) days from the date case results were originally provided. If payment remains outstanding, reminder notices will be issued. Balances unpaid after thirty (30) days of the due date will incur a ten percent (10%) late fee accruing monthly until paid in full. All payments made will be applied to interest first before being applied to any principal. Coastal reserves the right to suspend any Services to Client for any matter it has submitted if Client is delinquent in payment on this matter.

Should Client fail to remit payment to Coastal in a timely fashion, then the account may be submitted to an attorney for collection. Client shall be responsible for all reasonable costs of collection, including, but not limited to, any efforts to collect the amount owed pre-litigation, costs and attorney fees during litigation, and any efforts to collect any judgment amount. The failure of Coastal to enforce any right or provision of these Terms shall not constitute a waiver to enforce such right or provision in the future.

All information provided to Coastal in the course of an engagement is treated as confidential and/or attorney work product, and is used solely to perform the agreed Services. Coastal does not disclose attorney or Client information except as necessary to complete Coastal’s Services, with the Client’s authorization, or as required by law, subpoena, or court order. Coastal’s confidentiality obligations survive termination of any engagement.

Reports and deliverables prepared by Coastal are the property of Coastal and are given to Client under a limited, purpose-specific license for the Client to use for the purposes set forth herein in the specific matter for which they were commissioned. The Client may not republish, resell, redistribute, reverse engineer, or use Coastal’s reports for any matter other than the purpose identified in these Terms without Coastal’s prior written consent. Any use of the report or deliverable for any purpose outside of the allowed uses in these Terms is strictly prohibited. Any dissemination of information related to how Coastal obtains information or provides its reports is strictly prohibited. Coastal retains all rights in its proprietary methodologies, data sources, templates, and underlying research processes.

To the fullest extent permitted by law, Coastal shall not be liable for errors, omissions, or misstatements made by third parties; for delays, refusals, or failures outside Coastal’s control; for reliance placed on Coastal’s reports without independent Client confirmation; or for any damages, whether direct, indirect, incidental, consequential, special, exemplary, or punitive, arising from or relating to the use of Coastal’s Services.

In no event shall Coastal’s aggregate liability arising out of or relating to these Terms or the Services provided exceed the total fees actually paid by the Client to Coastal for the specific engagement giving rise to the claim. Client accepts full responsibility for evaluating, verifying, and relying upon any information obtained through Coastal’s investigations.

Notwithstanding the above, Coastal specifically disavows, and Client acknowledges Coastal is not responsible for, any liability or responsibility for a claim, cause, damage, or other harm, whether in law or in equity, arising from Coastal’s Services providing inaccurate, incomplete, or otherwise later shown to be incorrect predicted policy limits.

Engagement with Coastal does not guarantee that liability policy limit information will be obtained, that any information obtained will be accurate, or that any particular case outcome will follow. The Client acknowledges that investigative work is inherently uncertain and that public and quasi-public records may be incomplete, outdated, or erroneous through no fault of Coastal.

The Client agrees to indemnify, defend, and hold harmless Coastal and its owners, members, employees, contractors, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys’ fees, arising from or related to the Client’s use or misuse of information provided by Coastal; the Client’s breach of these Terms or any representation made under it; the Client’s violation of any applicable law, rule of professional conduct, or third-party right; or any decisions made or actions taken in reliance on Coastal’s reports.

The Client agrees to indemnify, defend, and hold harmless Coastal and its owners, members, employees, contractors, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys’ fees, arising from or related to the information provided to Coastal in connection with these Terms or the Services Client requests Coastal to perform.

Coastal’s reports are for informational purposes only and are not intended to constitute legal advice. Clients must independently verify policy limits as Coastal’s reports do not constitute confirmed or verified insurance coverage. The Client assumes full responsibility for how it uses any information provided and agrees that Coastal shall have no liability for decisions made or actions taken in reliance on such information.

These Terms govern each engagement upon submission of a case and continue in effect with respect to that engagement until the requested Services are completed or the engagement is terminated. Either party may terminate an engagement at any time upon written notice. Termination does not relieve the Client of the obligation to pay for Services performed prior to termination, and the provisions of these Terms that by their nature should survive termination, including those relating to confidentiality, ownership, limitation of liability, indemnification, and governing law, shall survive.

Coastal shall not be liable for any failure or delay in performance caused by circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, governmental action, civil unrest, labor disputes, public health emergencies, internet or utility outages, third-party data source failures, or other events of force majeure.

These Terms constitute the entire agreement between Coastal and the Client with respect to the subject matter hereof and supersede all prior or contemporaneous understandings, representations, or agreements, whether written or oral, unless expressly incorporated.

The Client may not assign or transfer any obligation, duty, responsibility, or right under these Terms, or any rights or obligations under it, without Coastal’s prior written consent. Coastal may only assign an engagement in connection with a merger, acquisition, reorganization, or sale of substantially all of its assets.

If any provision of these Terms is found invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect, and the invalid or unenforceable provision shall be reformed to the minimum extent necessary to make it valid and enforceable while preserving the parties’ original intent. If the invalid or unenforceable provision cannot be reformed to make it enforceable, then it shall be removed and all remaining provisions shall remain in effect.

All Services are performed by Coastal as the work of an Idaho entity. Coastal operates solely from Idaho, and engagement constitutes work with an Idaho limited liability company. By engaging Coastal and accepting Coastal’s Services, Client is agreeing to submit to the jurisdiction of the courts of the State of Idaho. The venue for a state court action shall be Ada County, Idaho. The venue for a federal court action shall be the United States District Court for the District of Idaho nearest to Ada County, Idaho.

The provisions of these Terms are to be interpreted and read according to the laws of the State of Idaho without respect to conflicts of laws principles.

Submission of a case through Coastal’s website, email, application, or other approved method constitutes electronic acceptance of these Terms. The individual submitting the request represents and warrants that the individual has authority to bind the Client. Coastal electronic records of acceptance, including the submitting account, date, time, and applicable version of these Terms, shall constitute evidence of assent.