About Valoroath

Who runs the site

Valoroath is an independent educational website about car insurance claims in the United States. The site and its content are run under the Valoroath name; there is no separate company name behind it.

Our mailing address is 5931 Greenville Ave, Suite 202, Dallas, TX 75206, United States. The quickest way to reach us is the contact page or an email to [email protected].

What you will find here

The site is built around four questions drivers ask after a crash:

• What do I do now? Steps for the scene, the police report, photos, medical care and telling your insurer, in the guides under after a crash.
• How does a claim work? Collision, liability, uninsured motorist, total loss, rental and the other parts of a standard auto policy, in claims explained.
• What if I disagree with the insurer? Delays, denials, low offers, appraisal and complaints, in claim disputes.
• What does my state require? Deadlines insurers must meet, total loss thresholds, crash reporting duties and time limits to sue, on the state claim rules pages.

The calculators let you test your own numbers: whether a claim is worth filing, whether a car is likely to be totaled, and how much of a rental the policy may cover.

What Valoroath is not

Valoroath is not an insurance company, an insurance agency or producer, a claims adjuster, a public adjuster or a law firm, and it is not a government agency. That means we:

• do not sell, quote or bind insurance policies;
• do not handle, adjust or negotiate any claim, and cannot speak to an insurer on your behalf;
• do not give legal advice about your situation, and reading the site does not create a lawyer-client relationship.

When a page says “the insurer must”, it describes a rule in a statute or regulation. Whether that rule fits your case depends on your policy, your state and the facts, so the pages point you to the official source and, where it matters, to a licensed professional. More on this is in the disclaimer and on the licensing page.

How the pages are written and checked

Every page is researched and written by the Valoroath editorial team. We do not publish under invented names, photos or credentials. We start from primary sources: state statutes and regulations, state insurance departments, motor vehicle agencies, NAIC model laws and federal agencies. Before a page goes live, the team reviews the draft against those sources.

Each article shows the date it was last updated and a sources box with links to what we relied on. The state pages also show the date their rules were checked. The editorial policy explains the process, and the methodology shows how the calculators work and how the state pages are researched. Changes to state rules are listed on the updates page.

How the site is paid for

Reading Valoroath is free. If you want someone to look at your coverage, you can send a coverage review request. Licensed insurance agents and insurers working with Valoroath receive the request and may contact you, and they pay Valoroath for the requests they receive. That payment does not change what we write, how the calculators work or what the state pages say. The details are on how we make money.

Report an error

If you find a mistake, an outdated rule or a broken link, tell us through the contact page. Please name the page and, if you can, the statute, regulation or official page that shows the correct rule. We check every report against the source and, when we change a page, we update its date.