Personal injury legal support
Insurance policy and coverage review
Policies are long, and the parts that decide the claim are rarely where anyone expects. We read the whole document, including the endorsements that modify it, and hand back a summary of what is actually available and what stands in the way.
- Published price
- $150–400 / policy
- Turnaround
- 5 business days
- Without us
- $600–2,000
Fixed per unit, not hourly. No minimum engagement. Quoted before we start.
What you receive
A coverage summary naming limits, exclusions and stacking issues relevant to the claim.
- Declarations summarised: named insureds, period, limits per person, per occurrence and aggregate
- Every endorsement read and its effect on the base form noted, rather than listed by form number
- Exclusions relevant to the claim facts identified and quoted
- Coverage extensions, UM and UIM provisions, and stacking potential assessed against the jurisdiction
- Conditions precedent flagged: notice, cooperation, proof-of-loss and suit limitation provisions
- An other-insurance analysis where multiple policies may respond
What it costs, and what it replaces
Both figures are published ranges for the same unit of work. Ours is fixed before we start; if our process gets faster, that is our gain and your price does not move.
How engagements are structured →- Adnah Legal
- $150–400 / policy
- Typical cost without us
- $600–2,000 / policy
Roughly 79% lower at the midpoint of each published range.
How the work runs
01
Assemble the real policy
A policy is a base form plus endorsements that rewrite it. We reconstruct the operative language first, and flag immediately if what you have been given is incomplete — which it often is.
02
Map to the claim
The facts are mapped against the insuring agreement, then against each exclusion that could plausibly apply, with the operative language quoted rather than paraphrased.
03
Limits and stacking
We set out the available limits, whether stacking is plausible under the policy language and the jurisdiction's treatment of it, and whether other policies may respond.
04
Conditions and deadlines
Notice, cooperation, proof-of-loss and suit limitation provisions are extracted with their deadlines, so a condition does not defeat a covered claim.
What we need from you
- The complete policy including the declarations page and all endorsements
- A short statement of the claim facts and the loss date
- The governing jurisdiction
- Any other policies that may be implicated
What we check before delivery
- Every endorsement is read and reconciled against the base form before the summary is written
- Exclusion analysis quotes the operative text rather than summarising it
- Gaps in the produced policy are reported explicitly, with what is missing named
- Jurisdictional treatment of stacking is cited, not assumed
When firms send us this
- Evaluating a claim's real value before committing to work it up
- Multiple potentially responsive policies with unclear priority
- UM and UIM questions where stacking would change the case economics
- Coverage positions asserted by a carrier that need to be tested against the actual language
Questions about insurance policy and coverage review
Is this a coverage opinion?
No. It is a structured summary of what the policy says, mapped to the facts you gave us, prepared for the engaging attorney's review. Coverage opinions are legal advice and we do not provide them.
What if the carrier only produced part of the policy?
We tell you which endorsements are referenced but missing, and which parts of the analysis cannot be completed until they are produced. That list is often useful on its own.
Do you handle commercial policies?
Yes — CGL, auto, umbrella, professional and homeowners. Complex tower structures with multiple layers are quoted at the upper end of the range.
Firms who send us this usually also send
More in Personal injury legal support
All personal injury legal support services →This service
Send one and judge the output.
Insurance policy and coverage review at $150–400 per policy, 5 business days. No minimum, no scoping call, no onboarding cycle.