It would be “discovered” long before discovery. That’s what investigators do for attorneys. They seek out the deep pockets. I can’t point to the details, because I am not that familiar with them. I am not an investigator. But, I know they do it. That PI attorney I leased office space from, would know within two or three weeks of speaking with a potential client what insurance coverage was available from all potential targets…err, defendants.
Your insurance coverage is not difficult to find out. I know you can be compelled to provide such information with a simple subpoena. And, attorneys can issue subpoenas almost at will. I have experience with being subpoenaed in both civil and criminal matters, where I had literally no connection to the matter other than the mention of my name! And this was without any formal legal claim having yet been filed by the prosecutor or plaintiff’s council.
You can be a complete third party not involved in any way. And yet, you are compelled to give testimony whether you like it or not. I’ve had a judge issue a warrant and a heavy fine when we simply ignored a subpoena in a contractor’s divorce. We - the company I was the finance officer at - had provided a record of all payments made to that contractor and didn’t see where we could be forced to be deposed by his wife’s attorneys.
We were wrong. We paid the fine and met with her attorneys. Other than the travel to and from the deposition site, it involved less than five minutes. I was just forced to answer some questions about how much we paid the contractor and that he wasn’t an employee in their presence and the presence of a recorder.
There is no “right of privacy” that so many believe they have. You can be compelled to answer questions with only limited protection from self-incrimination.
And, if you are around when a crime goes down and you speak to police or anyone else, they can and will subpoena you to testify even years later. BTDT. Both my stepson and my wife! They had nothing to do with what happened other than their names ended up on the crime reports as potential witnesses for the prosecution because it had been recorded that they were within 200 feet of where the crimes occurred.
Lesson learned: Don’t ignore a subpoena for because you think it doesn’t involve you in any way. You might find yourself on the receiving end of a judge’s warrant.
It’s a simple question in discovery, what insurance polices do you have in effect and who is the carrier? You will be compelled to answer.
By the way, I am required to provide a standard, ACCO form detailing my agency’s insurance coverage to a requesting concern - person, business or other agency - upon their request if we wish to participate in any business transaction with them. And, visa versa.