Licensing and disclosures

Our role

Valoroath publishes information about car crashes, auto insurance claims and state claim rules. It is not an insurance company, an insurance agency or producer, a claims adjuster, a public adjuster or a law firm, and it does not hold or claim any insurance license. We do not sell, solicit or negotiate insurance, we do not quote or bind coverage, and we do not handle or negotiate claims.

When you send a coverage review request, we pass it to licensed insurance agents and insurers working with Valoroath, who may contact you (how we make money). Valoroath does not recommend a specific insurer or agent, and it does not take part in your conversation with them.

Who must be licensed

• Insurance agents (producers). Every state requires a person who sells, solicits or negotiates insurance to hold a producer license from that state’s insurance department. An agent who contacts you about auto coverage must be licensed in your state for property and casualty (or personal lines) insurance.
• Insurers. An insurance company must be authorized by your state’s insurance department to write auto policies there.
• Adjusters. Many states license the adjusters who handle claims for insurers. Rules differ by state.
• Public adjusters. Some states license public adjusters, who are hired by the policyholder rather than the insurer, and some limit what they may do on auto claims. Valoroath is not a public adjuster.
• Attorneys. Only a lawyer licensed in your state can give you legal advice about your claim; the state bar can confirm a lawyer’s license.

How to check a license

Before you share policy details or agree to anything, ask the person who contacts you for their full name, the agency or insurer they work for, and their license number. Then check it yourself:

1. Go to your state insurance department’s website. The NAIC keeps a directory of state insurance departments, and each of our state claim rules pages names the department.
2. Use the department’s license lookup for producers, adjusters or companies. Many states run it through the NAIC’s State Based Systems or link to the NIPR license lookup.
3. Confirm that the license is active, that it covers property and casualty (or personal lines) insurance, and that the name matches the person or agency you are dealing with.
4. For an insurer, confirm that it is authorized to write auto insurance in your state.

A licensed agent will expect these questions. If someone will not give a license number, treat that as a reason to stop.

Where to complain

• About an agent, insurer or adjuster: your state insurance department. Most accept complaints online, and the state claim rules pages explain the route. Our guide on filing a complaint with your state insurance department walks through the steps.
• About unwanted calls or texts: reply STOP to texts and tell callers to stop, then tell us through the contact page so we can forward your opt-out to the agents and insurers that received your request. You can also complain to the Federal Communications Commission at consumercomplaints.fcc.gov or the Federal Trade Commission at donotcall.gov, and to your state attorney general.
• About a lawyer: the state bar.
• About Valoroath: use the contact page or email [email protected].

Our address

Valoroath, 5931 Greenville Ave, Suite 202, Dallas, TX 75206, United States. Email: [email protected].