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Collision insurance coverage

Accidents happen—but you shouldn’t have to pay for them.

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What is Collision insurance?

Collision insurance helps if you are in an accident.

We hope this never happens, but if it does, Root is here for you.

You use Collision coverage for:

Accidents with another vehicle

Hitting an object, like a tree

A single-car accident (so, just you)

What does Collision insurance cover?

If you cause an accident, Collision will help to pay for repairs to your vehicle (after your deductible), or to help you get a new one. That only happens if you’ve totaled your car.

Collision insurance also helps if you’re involved in a hit-and-run, or if you’re hit by someone driving without insurance.

Collision insurance will NOT cover:

  • Damage to other vehicles

  • Property damage

  • Medical bills

  • Weather damage

What’s the difference:

Comprehensive vs. Collision coverage

Comprehensive will pay for damage to your car that wasn’t caused by another vehicle, like weather damage, vandalism, and even if your car is stolen. And as you’ve learned so far, Collision covers damage to your vehicle if you cause an accident. Comprehensive and Collision are a great duo of coverages for your vehicle.

There are some things neither Comprehensive nor Collision will cover.

Stolen property

Your car is covered, your laptop inside the car is not.

Intentional acts

Please don’t purposely damage your car. (Not cool.)

How much does Collision insurance cost?

It depends on your deductible. The lower your deductible, the higher your insurance rate. Likewise, the higher your deductible, the lower your insurance rate.

Let’s back up. A deductible is how much you pay first (before your insurance kicks in). You can choose your deductible amount, from as little as $100 to as much as $1,000 or more. If you choose the $100 option, your overall insurance policy is going to cost a little more than if you choose a higher deductible amount. So it comes down to how comfortable you are paying out of pocket, or paying a higher monthly (or semi-annual) rate.

If you have questions about deductibles, we’re happy to help. Email us at help@joinroot.com.

Map of USA

Is Collision insurance required in my state?

If your vehicle is leased, or you had to take out a loan to pay for your vehicle, the leasing company (or lien holder) will likely require it. Otherwise, Collision coverage is not required. However, without Collision, if you damage your vehicle in an accident, you’ll be paying for vehicle repairs out of pocket. It depends on how comfortable you are financially, and if you think you’d have enough cash available to fix your vehicle.

When you use the Root app to customize your coverage, we’ll update your premium cost immediately to show how much your coverage impacts your rate, before you buy.

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Root Insurance Company

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2020. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply.  Form 1. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between September 2018 - August 2019; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit joinroot.com/califaq for more information.