Pre-Suit Policy Limits Disclosure by State

Last reviewed November 2, 2026. Statute summaries below are condensed from the statute text as reviewed on that date and may be out of date or incomplete. Verify the current text before relying on it.

Whether you can get an insurer to disclose liability policy limits before a lawsuit depends on the state. This guide summarizes four examples so you can see how different the rules are. It is not a complete survey, and it is not a substitute for reading the statute that applies to your claim.

Why state rules differ

Insurers generally treat policy information as confidential between the insurer and the insured. Some states have changed that for injury claimants by statute, usually with conditions: a written request, specific documents or consents, a response deadline and limits on what the insurer must provide. Other states have no general pre-suit duty, and the first guaranteed access to the limits is formal discovery after suit is filed.

North Carolina (G.S. 58-3-33)

North Carolina has a conditional pre-suit disclosure process for nonfleet private passenger auto claims. In summary, the claimant or the claimant's attorney makes a request by certified mail. The insurer is to tell the claimant within 15 business days what it needs, and to provide the limits within 30 days of receiving the required documents. The statute excludes some claims, including medical malpractice and claims where coverage is denied. Our North Carolina guide goes through the steps in more detail.

Georgia (O.C.G.A. 33-3-28)

Georgia's statute provides a written request procedure. In summary, the insurer responds within a stated period (60 days) with information that can include the insurer, the insureds and the limits of coverage, including umbrella or excess coverage, or with declarations pages, and an insured may be required to identify known insurers within a shorter period (30 days). Read the statute for who may ask, what the request must say and what the response must contain.

Florida (Fla. Stat. 627.4137)

Florida's statute requires an insurer, within 30 days of a written request from a claimant, to provide a sworn statement by an officer or claims manager. In summary, the statement covers the insurer, each insured, the limits of liability coverage, any policy or coverage defense, and a copy of the policy, and it extends to excess and umbrella coverage. Check the current statute for the exact content and any conditions.

Texas (no general pre-suit statute found; Tex. R. Civ. P. 194.2 after suit)

Texas does not appear to have a general statute requiring pre-suit disclosure of liability limits. After suit is filed, disclosure of insuring agreements is addressed through the discovery rules, including Tex. R. Civ. P. 194.2. If you are handling a Texas claim, confirm the current rules, because they have changed over time.

Other states: where to check

Start with the state's insurance code and the department of insurance website, then look for a current chart or practice guide published by a state or national bar association or a plaintiff's firm. In a few states, insurers may treat pre-suit limits as confidential absent the insured's consent. Because the rules change, always read the current statute and note the date you checked it.

What to do when the carrier will not disclose

• Check whether your state has a statute and whether you met every condition in it.
• Ask the defendant, or the defendant's counsel, for consent or for the policy information.
• Consider a policy limits search for an early read while you wait, or where no right exists. A search is research, not the insurer's statement.
• Plan for discovery. Once suit is filed, insuring agreements are generally discoverable under the rules that apply to your case.

More on the full sequence is in how to find the at-fault driver's policy limits. Questions about a specific case? Submit a request or contact us.

Disclaimer and last-reviewed date

This guide is general information, last reviewed November 2, 2026. It is not legal advice, it may not reflect recent changes, and it does not cover every state or every kind of claim. Trace Policy Limits is not a law firm. Consult qualified counsel in the relevant state.