If the policyholders of Root have been involved in an accident, they can use the Root app to report the damage and to request roadside assistance. In the event photos are available, please upload them. If you are able, include as much information as you can. When the tribe receives the complaint, they will contact you in order to determine the next steps.


Those who wish to speak directly to a root complaints specialist, call him during business hours at 866-980-9431. You can also submit an auto insurance claim on the company’s website or by calling the company’s 24/7 phone number, but you probably won’t be able to access a Root adjuster only during regular workspace hours.

Car Insurance Coverage

A relatively limited selection of auto policies is available from Root Insurance, so drivers who need specialist coverage may want to look elsewhere.

Roadside assistance is a feature that sets Root apart from other national insurers. Roadside assistance comes as a bonus since most companies charge extra for it. Over a six-month contract period, Root covers up to three services (e.g. flat tire or starter), each costing less than $100.

Root also sets itself apart from other insurers with its ride-refund option. Many companies offer a rental reimbursement supplement that covers the cost of a rental car while your own car is in the shop to receive repairs for an insured accident. In this situation, Root allows drivers to use this rate for ride-sharing instead of a rental car if they wish.

Root policyholders, however, are limited when it comes to coverage options. Other auto insurance companies provide coverage like gap insurance and ride-sharing insurance for drivers, Root does not. Aside from the Basic Collision Damage Waiver, the only other optional coverage available to Root policyholders is Rental Car Reimbursement.