How much coverage do I (really) need?

It’s a great question. Everyone is different, so we’re making it easy to decide if you need a coverage or if you don’t.

Let’s see which of these 5 situations apply to you:

Side view of a car

1. I will be driving a car.

Then you need Liability! Liability is made up of two different kinds of coverage:

Bodily Injury coverage handles medical costs when you cause an accident and other people get hurt.

Property Damage covers the costs for any damage to other people’s property (their car, a fence, etc.) when you cause an accident.

Good to know:
  • You are legally required to have Liability if you’re driving. No getting around it.
  • It only covers other people and other property. It does not cover you, your family members, or your car.
  • You’ll choose a dollar limit (each state will have a minimum limit required). The limit is the amount Root will pay up to for the repairs or medical costs.

Deer crossing a street

2. I can’t afford to repair or replace my car on my own.

Then you might be interested in Collision and Comprehensive coverages.

Collision covers damage to your car, no matter who causes the accident.

Comprehensive covers damage to your car caused by anything other than an accident. This would cover things like hail damage, flood damage, vandalism, theft, or a run-in with Bambi.

Good to know:
  • Buying or leasing your car? Your finance company may require you to get these coverages.
  • You’ll pick a deductible. Your deductible is the amount you pay toward the repair or replacement first, and then Root pays for the rest.
  • When you have Liability, Collision, and Comprehensive coverages, it’s often referred to in the industry as having ”full coverage.”

Doctor reviewing an X-Ray

3. I would need help paying for my medical expenses in an accident.

Of course! Medical bills can really add up, and you could also have to pay medical bills for your passengers. There are two types of coverage for this, and what you’ll be offered depends on your state.

Personal Injury Protection (PIP) covers medical expenses and lost wages for you and your family members, no matter who causes the accident. This may be required if you live in a no-fault state. We’ll let you know in the app if it’s required.

Medical Payments (MedPay) covers medical expenses for you and your family members, no matter who causes the accident. Typically this is offered if you don’t live in a no-fault state.

Good to know:
  • PIP covers some things MedPay doesn’t, like lost wages.
  • If you don’t have health insurance and are in a car accident, this could come in pretty handy.
  • MedPay will also cover you if you’re hurt using public transportation, hit by a car while riding a bike, or in a friend’s car.

Young woman looking at her phone

4. If my car is in the shop after an accident, I’ll need a ride.

Sounds like you could benefit from Rental coverage. It covers the costs of a rental car, or you can choose to get Lyft credits.

Good to know:
  • You’ll choose a limit for the amount of money and number of days Root will cover a rental car or Lyft credits.
  • Lyft credits are a great option if you live in a city or have a short commute.
  • Rental only applies if your car is in the shop from a covered accident, not normal wear and tear.

Woman setting up a warning triangle on the street

5. I don’t like to take chances. I want to be covered for every situation.

Then you’ll also want Uninsured/Underinsured Motorist Bodily Injury (UM/UIM). This covers your medical expenses if someone who is not insured (or doesn’t have enough insurance) causes an accident.

Depending on your state, you may be offered Uninsured Motorist Property Damage (UMPD). This covers damage to your car if you’re hit by an uninsured or underinsured driver.

Good to know:
  • 1 in 8 drivers on the road are uninsured.
  • You might not need UMPD if you have Collision. Your Collision would cover repairs to your car if you were hit by an uninsured driver.
  • Sometimes UM and UIM are sold as separate coverages.

Remember—the more coverage you have, the more your insurance will cost. But if you choose not to have more coverage than what is required by your state, then you’ll be on the hook for those costs, whether it’s medical expenses or replacing your car, and those can be pretty pricey.

So, how much coverage you need really all comes down to what you can afford, and how much you’re willing to risk it.

Learn more about the coverages we offer on our Coverages page.

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