Or you can reach our claims experts directly during business hours by phone (Monday through Friday, 9 a.m. to 5 p.m. ET). New claims can be made 24/7 in the app or by calling: 866-980-9431. If you're not a Root customer, but you were in an accident with someone who has Root Insurance, you can file a claim online.

How does Root work? You'll choose and buy your plan—it starts with a great rate that could last up to 6 months. Then you'll begin the test drive. The Root app measures your driving (braking, turns, focused driving, and how much you drive) and uses that information to calculate your final rate.

Root Insurance offers an app that tracks drivers and claims to save as much as 50 percent on average car insurance rates. There are privacy concerns, though, and tracking problems, as Root's app will follow the driver even when they are a passenger in someone else's car, or even on a plane.

Root can even help cancel your old policy. And we make your Root proof of insurance available immediately in the app.