Root coverages illustration

Coverages

All the ways Root's got you covered

You have lots of options when it comes to car insurance. What matters is that you get the right coverage for your needs. We think that starts with knowing what we offer.

Liability coverageRequired by law

  1. Bodily Injury

    Liability coverage

    Bodily Injury covers injuries to others when you cause an accident.

    Bodily Injury will pay for medical and funeral expenses and lost wages for other people when you cause an accident.

  2. Property Damage

    Property Damage

    Property Damage covers damage to other vehicles or property when you cause an accident.

    If you cause an accident that damages another vehicle or any other property, Property Damage will cover those costs.

    • It's the law! Everyone is required to have Property Damage insurance.

    • It does not cover your vehicle (that's where Collision and Comprehensive coverages come in).

Non-liability coverage

  1. Collision

    Collision

    Collision covers damage to your vehicle when you cause an accident.

    If you cause an accident, Collision coverage will pay for repairs to your car or for a replacement vehicle when needed. Without it, you're paying out of pocket. Or learning the bus routes.

    • This also covers damage to your vehicle if you are hit by someone without insurance or are involved in a hit and run.

    • Coverage costs vary based on your vehicle. Got a newer or more expensive car? Expect Collision to cost more. You can find the cost easily in the app.

    • Financing or leasing your vehicle? Your lien holder may require you to have Collision.

  2. Comprehensive

    Comprehensive

    Comprehensive covers damages to your vehicle caused by anything other than an accident.

    If your car is damaged by a storm or if it's stolen, Comprehensive coverage will pay for repairs or for a replacement vehicle. Without it, you may be paying out of pocket. Or learning the bike paths.

    • This covers damages such as hail or other storm damage, flood damage, car theft, a broken windshield or hitting your friendly neighborhood deer.

    • Coverage costs vary based on your vehicle. Got a newer or more expensive car? Expect Comprehensive to cost more. Find out the cost right in the app.

    • Financing or leasing your vehicle? Your lien holder may require you to have Comprehensive.

  1. Medical Payments

    Medical payments

    Medical Payments covers injuries to you or your passengers, no matter who causes the accident.

    If you're hurt in an accident, Medical Payments covers medical expenses for you or your passengers. Without it, you may be paying out of pocket, and that can really add up (think ambulance rides, surgery, hospital stays, etc). Your state will offer either Medical Payments or Personal Injury Protection.

    • This coverage follows the policyholder and applies both in and out of state. That means if you're hurt in an accident using public transportation, riding a bike, or in a friend's car, you're covered.

    • Not every health insurance plan covers auto accidents, so you may need Medical Payments or risk paying out of pocket.

    • Some states offer Medical Payments, others offer Personal Injury Protection. A few offer both. Our app makes sure you get the right coverage for your state.

  2. Personal Injury Protection

    Personal injury protection

    Personal Injury Protection covers medical expenses and lost wages for you and your passengers, no matter who causes the accident.

    If you're in an accident, Personal Injury Protection covers medical expenses and lost wages for you and your passengers. Your state may require this coverage.

    • Some states offer Medical Payments, others offer Personal Injury Protection. A few offer both.

    • All no-fault states require you to have Personal Injury Protection coverage. (Hey Utah, you're a no fault state.)

    • Not sure if you need Personal Injury Protection or Medical Payments? Don't worry. Our app makes sure you have the right coverage for your state.

  1. UM/UIM

    Uninsured and Underinsured motorist bodily injury

    Uninsured/Underinsured Motorist Bodily Injury (UM/UIM) covers your medical expenses when you are injured by an uninsured or underinsured driver.

    Unfortunately, not everyone on the road has liability insurance or enough insurance to cover your medical expenses if they cause an accident. If that happens, UM/UIM kicks in and you're covered. Otherwise, you might be stuck paying stacks of medical bills yourself.

    • You may see this coverage referred to as UM/UIM. Because really that's way simpler.

    • Some states require that UM and UIM coverages be sold separately. (Arizona, we're looking at you.)

    • Not sure if you need them separately? Don't worry. Our app makes sure you have the right coverage for your state.

  2. Rental

    Rental

    When your vehicle is being repaired and you need a ride, Rental has you covered.

    If you were in an accident and your car is being repaired, you may need some wheels to get around. With Rental coverage, you have one less thing to worry about.

    • We offer you options — car rental or Lyft credits.

    • We'll help you choose which option is best for you depending on your claim.

  1. Roadside Assistance

    Roadside assistance

    When you need help because your car won't go... Roadside Assistance to the rescue.

    Included with every policy

    If you need a tow truck or a jump start—or if you lock your keys in the car—we'll cover the help you need to get back on the road. (It makes us feel like superheroes.)

    • We reimburse you for any roadside assistance that you need. Just send us photos of the receipts.

    • Roadside Assistance is included with every Root policy.

    • Blink is our roadside assistance partner, but you can use any company you’d like.

    • We cover 3 incidents per 6-month policy term, up to $100 per incident.

Root app for iPhone and Android

Choosing your coverage just got easier.

Our app makes it quick and easy to get the coverage you need. Try it and see how much you can save.

Get the Root app