Our claims support is available 24/7 via phone at 1 844 767 2514.

How our car insurance claims work

We take care of you when things go south. While every claim is different, here is the basic process you can expect in a few common situations.

For example, let’s say…

  1. ...you rear end a car.
  2. ...your windshield is cracked.
  3. ...your car won’t start.
  4. ...you got hit.

  1. Oops! You rear ended a car on the way to work.

  2. When it’s safe to do so, open the Root app on your phone.

  3. Tap on File a Claim to submit your claim through the app and let us know what’s going on.

    For the fastest experience possible, have the other party’s insurance info and police report number on hand.

    Report a claim app screen

  4. Snap some photos of the damage to submit with your claim.

    We provide an easy guide for the whole process.

  5. We file your claim and get to work assessing the damage and negotiating repairs.

  6. You have Liability coverage, so we’ll cover damages to the other car and any injuries to others in the accident.

    We cover you up to your chosen limits.

    Liability coverage

    View details

  7. If you have Collision coverage, we’ll take care of any damages to your car.

    You may have a deductible.

    Collision coverage

    View details

  8. Have Rental coverage? High five!

    We’ll help you get a rental car or send you Lyft credits while your car is being repaired.

    Rental coverage

    View details

  9. We call you within one business day of your claim with an update on how everything is going and any next steps needed.

  10. We complete your claim within 7-10 business days.

    Make sure to keep in contact with your claims expert to keep things on track! Otherwise this may take longer.

  11. Everything is awesome again. Let’s celebrate by driving safely.

  1. Oh no! Your windshield is cracked.

    broken-glass Created with Sketch.

  2. If you have Comprehensive coverage, we’ll cover your windshield repair. (Hurrah!)

    Comprehensive coverage

    View details

  3. Open the Root app on your phone.

  4. Tap on File a Claim to let us know what’s going on.

    Report a claim app screen

  5. Snap some photos of the damage to submit with your claim.

    We provide an easy guide for the whole process.

  6. We’ll send a reputable company to you to repair your windshield.

    Don’t worry, they’ll send us the bill. Prefer to take it to your own shop? Just send us a pic of the receipt so we can reimburse you. Because they always do, some limitations apply.

  7. If the windshield needs to be replaced, it’s the same process as above.

    You may have to cover your deductible.

  8. You drive off with a windshield you can see through! Safe driving wins again.

  1. Your car won’t start. You need a tow truck, stat!

  2. Good thing you have Roadside Assistance.

    It's included with every policy.

    Roadside Assistance

    View details

  3. Open the Root app on your phone.

  4. Tap on Roadside Assistance, and we’ll put you in touch with our roadside assistance partner, Blink.

    Prefer to use your own towing company? We’re cool with that, too.

    Roadside-assistance app screen

  5. To keep things moving, go ahead and pay for the tow truck now and we will reimburse you.

    Just send us a pic of your receipt. Because they always do, limitations apply).

  6. We’ll cut you a check within 1-2 business days.

  7. You get the assistance you need. We feel like superheroes.

  1. A car rear-ended you in heavy traffic. What a bummer.

  2. Get the responsible party’s insurance information and report the accident to their insurance company.

  3. Open the Root app and tap on File a Claim to submit your claim through the app and let us know what’s going on.

    This way we can keep an eye on things and help you out if needed.

    Report a claim app screen

  4. Snap some photos of the damage to submit with your claim.

    We provide an easy guide for the whole process.

  5. If the other party's insurance takes care of things, great!

    Just keep in touch, and we'll close the claim when everything's in order.

  6. But sometimes the person who hit you doesn’t have insurance. Uh oh.

  7. If you have Collision coverage, you’re good to go! We will cover the damages to your vehicle.

    There may be a deductible.

    Collision coverage

    View details

  8. Were you injured in the accident? If you have UM/UIM, we’ll take care of your medical bills, too.

    UI/UIM will cover you up to your chosen limit.

    UM/UIM coverage

    View details

  9. We call you within one business day of your claim with an update on how everything is going and any next steps needed.

  10. We complete your claim within 7-10 business days.

    Make sure to keep in contact with your claims expert to keep things on track! Otherwise this may take longer.

  11. You and your car are all fixed up and you can get back on the road.

What if I hit another car? What if my windshield is cracked? What if my car won't start? What if you got hit?
Root app for iPhone and Android

Choosing your car insurance coverage just got easier.

Our app makes it quick and easy to get the coverage you need. Try it and see how much you can save.

Get the Root app

FAQ

  1. Which states are you available in?
  2. What qualifies me as a good driver?
  3. Are you a real car insurance company?
  4. View all questions