You need this app to file a claim. It consistently gave incorrect information on permissions were needed (i.e. camera) that were already enabled. Once these get cleared up, you consistently need to log back in. Went through the whole process of taking pictures for a claim after many tries. Got a confirmation that photos were submitted and would hear from a claims agent in 24 hours. After 3 days of not hearing, went back into the app. It was showing that photos were needed to start the claim. There's no way this app can have 4.5 stars based on the recent reviews that are showing. Most within the last several months are 1 and 2 stars.