Root Insurance Reviews 

I had root for about 5 years when my car got stolen they refused to handle my claim even though i provided them with every peace of information i was asked for then they told the tow company to crush it after i released it to root i got. Nothing and i had full coverage the whole time so basically my car was stolen. I mean a police report I turned in the report they contacted me asked me. why did I have my car towed like seven months before it got stolen they explained to them I needed an alternator. They asked me if I got the alternator fixed I said yes they wanted a receipt for that which I was able to provide then they wanted proof that I pulled the money out around that time showing I pulled money out to pay for it I explained to them it was cash. I had it in my pocket, and then they said without proof of that there’s nothing they can do so then I said how about this forget the alternator because that was in March. I said I found a receipt and everything from April showing I got a wheel alignment and I have all the proof for that. Would that be enough? They said that that was not enough to prove the car was running and it wouldn’t be enough to continue the claim so then I go to the yard where the car was towed and ask them about my car. They told me that root said scrap it I forgot to mention in the middle of all that I got an email saying if your car has been found and not drivable release it to us through the tow company. If it is drivable take it home. Send pictures of it and contact us later. Well, it wasn’t drivable due to Half the engine on and a bunch of other stuff oh, and they wanted proof that I took it to shop to have worked on it. Which I explained to them it was my car that I did work on. It was more like a hot August night Car classic something. I took pride in building, but because I didn’t have much receipts showing, I took it to shops all the time it wasn’t good enough.

Very easy to use and got me what I was looking for. Very satisfied with the results

My experience with Root after a serious accident and total-loss claim was extremely frustrating, and I would not recommend them based on how my claim was handled.

I reported the accident promptly and provided the information requested. What followed was weeks of delays, repeated follow-ups on my part, multiple handoffs, and very little proactive communication about what was happening with my vehicle or when I could expect the claim to be resolved.

Root initially considered the vehicle repairable based on an early damage estimate. After the collision shop completed a more thorough inspection and teardown, the estimated damage increased significantly and additional mechanical damage was documented.

There were also issues getting all of the vehicle's equipment and options properly accounted for during the valuation process. I had to continue following up to make sure the vehicle being valued accurately reflected the vehicle I actually owned.

Communication throughout the process was one of my biggest frustrations.

My claim changed hands multiple times, and I repeatedly had to ask for updates, timelines, valuation information and settlement information.

There was also a period when Root attempted to direct property-damage communications through my attorney even though I explained that my attorney was not representing me for that portion of the claim. This made it even more difficult to get information about my own vehicle.

More than two weeks after the accident, I still did not have a final valuation, settlement amount, owner-retained/buyback amount, valuation report or a reliable timeline for completion.

I was also told that part of the process was waiting on the salvage company to pick up and process the vehicle even though the collision shop had already released it and confirmed it was available.

Root ultimately declared the vehicle a total loss. I disputed the valuation and provided additional comparable vehicles, but the valuation did not change. The valuation report included vehicles with different trim levels, while some comparable vehicles I submitted that more closely matched mine were included but were not given weight in the final calculation.

After dealing with the total-loss process, I then discovered another issue.

Root continued charging me for insurance coverage during the period after the accident while the vehicle was unusable, in the claims process, and ultimately being declared a total loss.

I contacted Root and asked whether they could backdate the cancellation or make an adjustment to the premium. They refused and told me that I should have canceled the policy sooner.

That response was particularly frustrating considering the circumstances. I had just been through a serious accident and was dealing with the insurance claim, transportation issues, other consequences of the accident, and uncertainty about whether the vehicle was going to be repaired or declared a total loss.

During much of that time, I did not even know the final disposition of the vehicle.

I understand that I had a responsibility to cancel the policy, but I also believe there should have been some consideration for the circumstances and the amount of time the total-loss determination took. Instead, I was charged for additional coverage during a period when the vehicle was not usable and was ultimately declared a total loss.

My biggest issue with this experience was not one single disagreement. It was the amount of effort it took to get basic information and move the claim forward.

I repeatedly had to email, call, document conversations, follow up on the valuation, make sure the vehicle's options were accounted for, determine who was handling the claim, ask for timelines, and then deal with a billing issue after the total loss.

I understand that insurance claims take time and that valuations can be disputed. What I did not expect was to spend this much time chasing information from my own insurance company after a serious accident.

I eventually accepted the settlement because I needed to move forward and replace the vehicle. Accepting the settlement does not change my experience with how the claim was handled.

For anyone considering Root, I would recommend looking beyond the monthly premium and considering the claims experience as well. Insurance matters most when you actually need to use it.

Based on my experience with this claim, I cannot recommend Root.

Just found insurance for both my cars on one policy. Nothing wrong with root insurance there good

Accepted my payment and gave me solid insurance the same day with an easy process. Felt great about the whole experience.

Probably the worst experience with any insurance company I have ever had. In the State of Texas, an insurance company has 15 days, post accident, to inform you of whether or not they were going to take the claim. That includes declaring your car a total loss. After my mechanic and I had been ignored by one claims adjuster for weeks, I was called and informed that my vehicle would be a total loss after week 6!! This is not only illegal, but extremely unethical! It also kept me from being able to buy a new vehicle for that period of time. I will be reporting them. The total claims adjuster is STILL fighting me on the settlement. If anyone else has had this issue, please write about it here. Thank you!

Let's start with how they reel you in with the low rates. Within 2 months my rates went from $69 to $194 with a score of 8 to 9 out of 10. No traffic tickets, no car accidents, no DUIs, nothing. I'VE CALLED AND ASKED WHY ARE MY RATES GOING UP WHEN MY DRIVING RECORD IS NEAR PERFECT?
I've been with this company for almost a year and I'm trying to find an insurance company that really does reward good drivers.
Definitely this company does not do that even though that's exactly how they market themselves. A scam a scam a scam
Buyer beware

Don't bother. They're great... until you need them. I can't even get ahold of the guy assigned to my claim. Emails, phone calls... I need them to be quick and it's like if you have anything where you need an adjuster you're lucky to even get a call back once. Go with a real insurance company that doesn't just shrug you off when you want to speak to someone there. They will play hot potato with your claim, undercut you on the estimate, and then just disappear.

All I wanted was a quote. I don't need to open an account with you just for a quote.

Price, spoke with a very patient informed person, “Chinwe”, may God bless her heart and all of yours!!!

Very friendly

Cheaper, easier and faster

The grimiest slimiest insurance company I’ve ever seen. And pray to Jesus this company seeks the right way. Over my time with them my insurance increased from 330-350 to a 375 renewal cost I had 2 non fault accidents paid out,never been pulled over squeaky clean record 5+ years of driving yet still went up cause “other drivers more liable in my area” so I go to Allstate not only do I pay 220 for full coverage now I have a higher deductible..my at fault coverage is quadrupled and I get roadside for over $130 cheaper a month for better coverage… slimy from top to bottom

I don’t even know my rate yet but I think it’s crazy that you can’t mark yourself as a passenger for a trip. I don’t use my phone and drive but I was docked for it when I was in my friends car not realizing it. Make it a fair rating or don’t offer it at all

Stay away. Cheap yes but when something happens they won't back you up and will kick you out.

Great experience

Easy to do on line

Easy & straightforward for needing state minimum and basic coverage. Completed process very quickly.

This is the most corrupted company I have ever seen. I have personally witnessed the discuss myself. They will not pay claims even when it’s obvious they’re wrong. Left me with body pains and thousands of dollars in debt to clean up. Smdh😡😡😡😡

No place in app to talk to virtual assistant ect..overpriced for what they quoted,jumped sky high