Liability & non-liability coverages
You have lots of options when it comes to car insurance. What matters is that you get the right coverage for your needs. Here are all the ways Root’s got you covered:
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.
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.
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.
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.
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.
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.
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.
Not sure if you need them separately? Don't worry. Our app makes sure you have the right coverage for your state.
Uninsured Motorist Property Damage (UMPD) covers your property when it is damaged by an uninsured driver.
Accidents happen, but if you’re hit by someone without insurance, you could get stuck paying for damage caused to your property. With UMPD, your property is covered regardless of whether the at-fault driver can pay. That’s good news for you.
UMPD also covers damage caused from a hit-and-run.
Collision and UMPD both cover damages caused by uninsured drivers. If you have Collision coverage, you typically do not need UMPD, although UMPD may have a lower (or no) deductible.
We currently only offer UMPD in certain states.
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.
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.