Key takeaways
- Match the NAIC on the declarations page to the paper table below. Same brand, several legal names.
- First-party is your policy (including UM/UIM). Third-party is theirs. Those are different files.
- Official FNOL: www.joinroot.com/claims/. That is their claims door, not ours.
- A Division complaint is separate. We do not file it for you.
Root is on the DOI active RA list
Root Insurance Company (10974) and Root Property & Casualty (24503) are on the Division's monthly active registered-agent list dated 2026-09-01 with motor-vehicle lines. That is the same existence source as the rest of this cluster — not the stale Lic column on an older sheet. FNOL is the Root app. Source: joinroot.com/claims.
Paper companies that are this brand
Rows are copied from the Division's monthly registered-agent list dated 2026-09-01. Registered agent is Colorado service of process, not the claims office. CSC in Littleton and CT in Centennial are shared by hundreds of unrelated companies. Empty street fields stay empty — we do not invent a Colorado address. If DOI prints DEFAULT and an out-of-state city, we print that too.
Root motor-vehicle paper
| NAIC | Legal name | Registered agent | Street | City / ZIP | Lines | CO effective |
|---|---|---|---|---|---|---|
| 10974 | Root Insurance Company | CORPORATION SERVICE COMPANY | 1900 W LITTLETON BLVD | LITTLETON, CO 80120-2023 | Motor Vehicle (Property), Motor Vehicle (Casualty) | 2023-06-23 |
| 24503 | Root Property & Casualty Insurance Company | CORPORATION SERVICE COMPANY | 1900 W LITTLETON BLVD | LITTLETON, CO 80120-2023 | Motor Vehicle (Casualty), General Property, Motor Vehicle (Property), General Casualty | 2023-06-23 |
No licensed lookalike names on the Colorado list for this consumer brand. If a paper name is not in the table above, it is probably a different company — start at the hub lookalike strip.
First-party versus third-party on this crash
If Root insures the other driver, you are a third-party claimant on their liability policy. If Root is on your own declarations page, you may also have UM/UIM, MedPay, or collision on a first-party file. Those jobs are not the same. UIM lives on our Colorado UIM guide. Fault share lives on comparative negligence. The process timeline lives on the claim process page. We do not rewrite those here.
How to report — and when that is enough
Official claims page is app-first. No public FNOL phone stored (fail-closed). Root Insurance Company 10974 and Root P&C 24503 are on the DOI monthly active RA list dated 2026-09-01 with motor-vehicle lines. App: Root app. (source: official page). A shop supplement or a short rental bill often does not need a lawyer. Quote shopping never does. A stuck injury claim, a coverage fight on your own UM/UIM, or a named carrier that will not move after the records are in is the job we take. Car-value fights start at lowball offers.
License verify and a Division complaint
Confirm the NAIC is licensed in Colorado through the Sircon consumer inquiry. Complaints start on the Division file-a-complaint page. Consumer Services 303-894-7490 / 800-930-3745 (outside Denver metro), M–F 8–5. We are not the Division.
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