Question 1

What is Policy Limit Research?

Accepted Answer

Policy Limit Research (PL) verifies insurance liability limits on the date of loss when the carrier is already known. Results are certified and delivered to your portal.

Question 2

What is Policy Existence Research?

Accepted Answer

Policy Existence Research (PE) locates coverage when the carrier or policy is unknown. We determine whether a policy exists and verify the liability limits on the date of loss. Results are certified and delivered to your portal.

Question 3

How is Red Folder Research different from other providers?

Accepted Answer

Relentless precision — we verify more than just the limit, including coverage status, insured details, and umbrella policies on the date of loss. Committed turnaround times, a purpose-built partner portal with API access, and 99.7% accuracy across 400,000+ cases. Black Card partners receive dedicated support and priority turnaround.

Question 4

How long does Policy Limit Research take?

Accepted Answer

Standard turnaround is five business days. Black Card partners receive results in two business days. Rush processing is available down to three hours for time-sensitive cases.

Question 5

How long does Policy Existence Research take?

Accepted Answer

Standard turnaround is seven business days. Black Card partners receive results in three business days. One-day rush processing is available.

Question 6

What happens if Red Folder Research misses a turnaround deadline?

Accepted Answer

Our standard turnaround is 5 business days for Policy Limit Research and 7 business days for Policy Existence Research. Over 90% of cases complete within that timeline. For rush requests, if we do not meet the stated rush turnaround, the rush fee is automatically downgraded to the next tier. You are never billed for expedited service that was not delivered.

Question 7

How does invoicing work?

Accepted Answer

Invoices are generated per case and available in the partner portal billing center. View, download, and pay invoices in one place — no consolidated monthly statements, no contracts. Black Card partners have access to alternate payment terms including weekly, bi-weekly, or monthly invoicing. Lien invoicing — no payment due until your case settles — is available by invitation to Black Card partners. Contact us for more information on lien terms.

Question 8

What payment methods does Red Folder Research accept?

Accepted Answer

Payment is handled through QuickBooks online payment links included with every invoice. Credit card and ACH bank transfer are both supported.

Question 9

How does a firm become a Red Folder partner?

Accepted Answer

Submit a brief application through the Become a Partner page. We review each request and send portal access within one to two business days for firms that match our standards.

Question 10

What does the Red Folder Research partner portal include?

Accepted Answer

Real-time case tracking, results download, direct case-specific communication, a full billing center with invoice history, team management, and API access. Submit cases, monitor progress, and retrieve results in one place.

Question 11

What is the Black Card program and how does a firm qualify?

Accepted Answer

An invitation-based partnership tier for select personal injury firms. Benefits include priority turnaround, dedicated support, exclusive product access (including AAA), custom API integration, and scalable pricing. Eligibility requires API-integrated or technology-ready operations, financial reliability and clean payment history, partnership mentality, consistent volume with quality submissions, and bar in good standing.

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