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Root Insurance is a technology-driven auto insurance company that leverages telematics to personalize premiums based on actual driving behavior, disrupting traditional insurance models. Founded in 2015, it uses a smartphone app to monitor driving habits during a test drive period, collecting data on braking, turning, speed, and time of day. This data is analyzed to assess risk and offer fairer rates to safe drivers, while potentially charging more for risky behavior. Root provides standard auto insurance coverages, including liability, collision, comprehensive, uninsured motorist, and personal injury protection, with add-ons like roadside assistance. The app offers real-time feedback to help drivers improve habits and lower premiums over time, emphasizing transparency and equity. Operating primarily in the U.S., Root targets tech-savvy consumers and safe drivers seeking rewards for good behavior, with all policy management, claims filing, and support accessible through the mobile platform.
