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From rear-ending to cracked windshields to severe weather damage, we take care of you when things go south—starting with an easy way to file car insurance claims through our app. While every claim is different, here is the basic process you can expect in a few common situations.
Tap on File a Claim to submit your claim through the insurance 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.
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.
If you have Collision coverage, we’ll take care of any damages to your car.
You may have a deductible.
Have Rental coverage? High five!
We’ll help you get a rental car or send you Lyft credits while your car is being repaired.
Everything is awesome again. Let’s celebrate by driving safely.
If you have Comprehensive coverage, we’ll cover your windshield repair. (Hurrah!)
Tap on File a Claim to let us know what’s going on.
You drive off with a windshield you can see through! Safe driving wins again.
Good thing you have Roadside Assistance.
It's included with every policy.
Tap on Roadside Assistance.
Prefer to use your own towing company? We’re cool with that, too.
You get the assistance you need. We feel like superheroes.
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.
If you have Collision coverage, you’re good to go! We will cover the damages to your vehicle.
There may be a deductible.
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.
You and your car are all fixed up and you can get back on the road.
If you have Comprehensive coverage, we’ll cover your vehicle’s damage. (Phew!)
You pay your deductible, and we pay the remaining costs.
Tap on File a Claim to let us know what’s going on.
Have Rental coverage? Great!
We’ll help you get a rental car or Lyft credits while your car is being repaired.
Your car is repaired, and you can get back on the road. Yay! Storm conquered. Drive on.
Arizona, Arkansas, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, Nebraska, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Texas, and Utah. We’re rapidly expanding into other states, too — check out our availability map to see if your state is coming soon!
Braking, speed, turns, times of day, miles driven, and driving routes are all considered when calculating your quote. You basically just need to follow the rules of the road and be mindful of other drivers when you’re behind the wheel.
Yes. We do not represent or front for any other company, and we are backed by the biggest reinsurers in the business. When we started, we didn’t intend to become an insurance company, but we found it was the only way to fix a broken system and make insurance fair. We have fully embraced this challenge and our team is determined to change car insurance for the better.
Preparing for a big storm can be stressful. Each type of natural disaster requires different actions to keep yourself, family, and vehicles out of harm’s way. Generally, seek shelter, and follow the guidelines issued by local authorities. If possible, park your car in a garage or under cover. Your safety is most important. And we’ll be here to help you through the aftereffects to your vehicles.
Accidents and vehicle damage are tough. Filing a claim is easy in the Root app. If you carry Comprehensive coverage, here’s what to do:
If you carry Comprehensive and Rental coverage on your policy and you’ve filed a covered claim (like storm/flood damage or a broken windshield), Root will help you to set up a rental car while your vehicle is being repaired. Alternatively, you can choose Lyft credits to help you get around. Learn more about coverage options here.
If you filed the claim in the Root app, your loss report will be filed immediately (no need to wait on the phone). Your claims expert will respond to you via phone and/or email to follow up with next steps. During periods of high-volume claims from a natural disaster, we make every effort to respond as quickly as possible.
No worries. We’ll make sure the check goes to the right address. Just tell your claims expert when they follow up with your claim, and they’ll go over all available options with you.
Filing a claim in the app is quick, easy, and available 24/7. But if you want to speak to us in person, you can give our claims experts a call during business hours. To report a new claim that’s only for glass damage, call 1 866 903 7243. For all other new claims, call 1 866 903 8451. Remember, the app is the fastest way to file a new claim.
There’s not a simple yes or no answer to this, and we won’t know until the end of your six-month term. We understand that life happens, and we’re committed to being there to make things easier for our customers when it does. We also understand that one accident is rarely an indicator of driving ability, and storm damage is often unavoidable. That said, it wouldn’t be fair or responsible of us to ignore a pattern of accidents or damage reports, and we reserve the right to cancel coverage in certain circumstances.
At the end of your six-month term, your policy should automatically renew and be re-rated based on standard reports such as the Motor Vehicle Report, claims filed, etc. You'll be notified of any rate changes, or if we’re no longer able to cover you, 30 days before your policy renews.