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We use Pacific Liability Research. They’re accurate the vast majority of the time. You may run into an issue if the limits were changed in the week or so before the crash but that’s happened to me like twice in the last 5 years (roughly 350 cases).
Same!
I use Glucroft & ML. If I’m not mistaken, Glucroft doesn’t change a no-hit fee, but ML does charge a $25 no hit fee.