Specialized auto insurance coverage intelligence

Clear, defensible auto insurance coverage verification for your claims.

RF Services LLC partners with carriers, TPAs, law firms, and businesses to verify current auto insurance coverage for claimants and involved parties, identify third-party and potential duplicate coverage to support subrogation and recovery, and flag potential fraud indicators tied to coverage and policy history.

  • Verify current auto insurance coverage for claimants and all involved parties.
  • Identify third-party coverage and potential duplicate coverage to support subrogation and recovery efforts.
  • Assist in identifying potential fraud indicators related to coverage and policy history.
Same-business-day acknowledgement on all new assignments.
Core services

What we do on every coverage assignment

We don’t just pull declarations and limits. Our work is designed to help you make confident liability decisions, preserve recovery opportunities, and document your file in a way that stands up to scrutiny.

1. Coverage verification

Verify current auto insurance coverage

We confirm whether coverage exists for each claimant and involved party at the time of loss and document key policy terms.

  • Validate active/in-force policy status at date of loss
  • Confirm named insureds and drivers where available
  • Capture liability, UM/UIM, MedPay and other relevant limits
  • Document carrier contact details and claim reporting channels
2. Third-party & duplicate coverage

Identify recovery & subrogation opportunities

We help you find additional coverage layers and potential duplicate policies that may share exposure or provide reimbursement paths.

  • Search for possible third-party policies and additional insureds
  • Evaluate overlapping coverage and potential double coverage
  • Highlight subrogation and contribution opportunities
  • Deliver concise recovery-focused summaries for your adjusters
3. Fraud indicators

Flag potential fraud indicators

While we do not make final fraud determinations, we highlight coverage- and policy-history red flags for your SIU or fraud team.

  • Unusual coverage changes close to the date of loss
  • Frequent policy lapses, reinstatements, or carrier hopping
  • Mismatched garaging, usage, or vehicle details
  • Inconsistent statements tied to coverage or prior claims
Industry focus

Deep roots in the fuel & automotive space

Our team has over a decade of hands-on experience operating fuel stations, convenience stores, and in-bay automatic car washes. We know what happens when vehicles, equipment, and customers intersect — and how that translates into insurance claims.

  • Fuel retailers & convenience store chains
  • Standalone and branded car wash operators
  • Fuel transport, logistics, and fleet operators
  • Property owners & landlords with auto exposures
  • Self-insured businesses and risk pools

That operational background allows us to speak both languages: front-line operations and claims administration. We help bridge the gap between what really happened at the site and what the coverage picture actually looks like.

How we work

A clear, repeatable workflow

1
Assignment & intake

You send us the loss details, parties involved, and any available policy information. We acknowledge the assignment and confirm scope the same business day.

2
Coverage investigation

We contact carriers and agents as appropriate, confirm coverage status, and gather key policy information and documentation for each involved party.

3
Analysis & red-flag review

We assess potential third-party and duplicate coverage and identify any coverage-related fraud indicators, clearly labeled for your SIU or management teams.

4
Reporting & handoff

You receive a concise, well-documented report suitable for your claim file, summarizing findings, recovery opportunities, and any recommended next steps.

About RF Services LLC

Independent, detail-driven support for your claims team

RF Services LLC operates as a dedicated coverage verification and claims-support partner. We are not a law firm and do not provide legal advice. Instead, we focus on delivering accurate, actionable information that your adjusters, counsel, and managers can rely on.

  • Licensed in California; additional jurisdictions available upon request.
  • Experienced with fuel-sites, carwash-sites, and high-volume auto claims.
  • Structured reporting tailored to your claim system and workflows.
  • Confidential handling of claimant and policyholder information.
Get started

Request a coverage verification or demo

Share a brief overview of your needs and we’ll reach out to discuss how RF Services LLC can support your claims or risk management operations.

By submitting, you agree that RF Services LLC may contact you regarding coverage verification and related services. This form does not create an attorney-client or insurer-insured relationship.