In federal court, insurance agreements under which an insurer may be liable to satisfy a judgment must be produced as part of initial disclosures without a request. Many states impose the same obligation through discovery rules.
A growing number of states additionally require insurers to disclose limits on written request before suit is filed in injury claims.
Alternative Names:
Insurance Limits Disclosure, Coverage Disclosure
Why it Matters?
Limits information drives settlement posture on both sides, and pre-suit disclosure statutes have changed the dynamic materially by letting claimants calibrate demands before filing. For carriers, failing to respond to a statutory disclosure request within the required period can carry independent consequences and is sometimes framed as evidence of bad faith. Verifying every applicable layer, including excess and umbrella, is part of the obligation.
Frequently Confused with
Related terms
Frequently asked questions
Is insurance discoverable even though it is inadmissible at trial?
Must limits be disclosed before suit?
