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Valoroath

Terms of use

These terms apply when you use valoroath.com, its calculators and its forms. Using the site means you accept them, so read them first and stop using the site if you cannot accept them.

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Who we are

Valoroath (“we”, “us”) runs valoroath.com from 5931 Greenville Ave, Suite 202, Dallas, TX 75206, United States. You can reach us at [email protected] or through the contact page.

What the site is and is not

Valoroath is an independent educational site about what to do after a car crash, how auto insurance claims work, disputes with insurers and the claim-handling rules in each state.

Valoroath is not an insurance company, an insurance agency or producer, a claims adjuster, a public adjuster, a law firm or a government agency. We do not sell, quote or bind insurance, we do not handle, adjust or negotiate claims, and we do not give legal advice. Nothing on the site creates a lawyer-client, agent-client or adjuster relationship between you and Valoroath.

Information on the site

We research each page from statutes, regulations, insurance departments and other official sources, and we show the date it was last updated. Laws and insurer practices change, and a general rule may not fit your policy or your facts. We do not promise that every page is complete, current or free of errors. Before you act, check the rule with the official source, your policy and, where your rights are at stake, a licensed professional in your state. The disclaimer says more.

The calculators give estimates from the numbers you enter and the assumptions described on the methodology page. Their results are examples, not offers, claim decisions or settlement amounts.

Coverage review requests

You can ask for a coverage review through the form on /coverage-review or at the end of articles and calculators. When you submit it, we pass your request to licensed insurance agents and insurers working with Valoroath, who may contact you. They pay Valoroath for requests (how we make money).

By sending a request you confirm that the information is yours and accurate, that you are at least 18, and that the phone number and email address belong to you or that you are authorized to use them.

We do not promise that anyone will contact you, that you will receive an offer, a particular price or particular coverage, or that any step will change the outcome of a claim. Any quote, policy or advice comes from the agent or insurer, not from Valoroath, and is between you and them. They are independent businesses and are responsible for their own statements, licensing and conduct.

The form includes a checkbox that is unchecked until you check it. By checking it, you agree that Valoroath and the licensed insurance agents and insurers working with Valoroath may reach you about your auto insurance coverage with calls, texts and emails sent to the phone number and email address on the form. Those calls and texts may be placed with an automatic telephone dialing system or use an artificial or prerecorded voice, which may be generated by AI. You do not have to give this consent to buy any product or service. Your carrier’s message and data charges can apply. The exact text you agree to is shown next to the button and is recorded with its version.

Consent can be taken back whenever you choose, by any reasonable means. Text STOP in reply to a message, ask the person on the phone not to call again, or write to us at [email protected] or through the contact page. We forward opt-outs we receive to the agents and insurers that received your request. The privacy policy explains this in detail.

Acceptable use

When you use the site, you agree not to:

  • submit a request with someone else’s name, phone number or email address without their permission, or with false information;
  • use the forms to send spam, threats, or unlawful or abusive content;
  • try to get around Turnstile or other security measures, overload the site, or access parts of it that are not public;
  • copy the site’s content in bulk with automated tools, or republish it as your own;
  • use the site in any way that breaks the law.

If someone breaks these rules, we may refuse their submissions or cut off their access.

Our content

The text, tables, calculators, illustrations and design of Valoroath belong to Valoroath or are used with permission. You may read, print and share links to pages for personal, non-commercial use. You may quote short passages if you credit Valoroath and link to the page. Any other use needs our written permission. Statutes, regulations and government documents we quote remain public material.

Pages link to legislatures, insurance departments, federal agencies and other outside sites so you can check our sources. Those sites are run by others; what they publish and how they treat your data is their responsibility, not ours.

Disclaimers

Valoroath offers the site in the condition you find it, whenever it happens to be online. As far as applicable law permits, we give no warranty of any kind, whether stated or implied by law, about the site’s accuracy, merchantability, fitness for a particular purpose or non-infringement. Pages and calculators can go offline, contain mistakes or be affected by problems outside our control.

Limitation of liability

As far as applicable law permits, Valoroath will not be responsible for indirect, incidental, special, consequential or punitive damages of any kind. That includes losses that come from relying on a page or a calculator result, from a decision your insurer makes on a claim, or from what an agent, insurer or anyone else does, and it applies even if we knew such a loss could happen. Where your state’s law does not permit a limit like this, the limit applies only as far as that law allows.

Governing law

Texas law applies to these terms and to your use of the site, setting aside any Texas rule that would point to another state’s law. Disputes go to a state or federal court in Texas, except where the law of your home state lets you bring the case there.

Changes to these terms

We may change these terms. The date at the top shows when they last changed. The version in force when you use the site applies to that use.

Contact

Questions about these terms: [email protected], the contact page, or Valoroath, 5931 Greenville Ave, Suite 202, Dallas, TX 75206, United States.