Filing a claim is easy—right when you need easy

Filing a claim after a car accident or storm damage can be a major pain—often exacerbating an already stressful situation. At Root, we make the process as painless as possible.


Your windshield gets cracked,
you get rear-ended,
or a hurricane makes your car undrivable.


Open the Root app, and tap File a claim on the home screen to get started.
It only takes 5 minutes. Snap photos within the app to speed up our review process.


We start working on fixing your problem right away.
It doesn’t get much easier than that.



What happens next?

After you submit your claim, a claims adjuster will typically get in touch with you within 2 business days to review your claim and discuss next steps.

Submitted claim screen in the Root app

Hopefully, you won’t ever need to file a claim, but the entire point of being insured is to have a safety net when things do go south. And when that happens, we’ve got you covered.

Do you have Rental coverage? Phew—we’ll help you get a rental car or send you Lyft credits while your car is being repaired.



Tips of the trade

Getting into an accident is distressing. That’s why we provide a guide in the app about what to do after an accident (things like safety measures and not admitting guilt). Check it out and be prepared ahead of time.

The claims guide in the Root app

Remember, Comprehensive and Collision coverages are optional (Liability is required), but if you cause the accident (or if it’s a hit-and-run) or you cause damage to your car (or Mother Earth strikes), they’re the coverages you’ll be grateful for. Learn more about how to choose Comprehensive and Collision coverages.



Now you’re ready

We hope you never have to use this feature, but if the time comes, you’ll know how easy and quick it is to file your claim right in the Root app. Learn more about claims or add coverages to your policy right in the app now, before an accident or storm damage, so we can make your bad day a little brighter.


"Within the first few months I was rear ended. Root was amazing. It was easy to file my claim. Road side assistance was available immediately. And the claims agent was awesome."Brian M.



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