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Understanding your insurance options during COVID-19

At Root, we are committed to being responsive to the needs of our customers as the coronavirus (COVID-19) situation evolves. We know that car insurance is a significant expense, and we’ve gathered the following resources to help you during this time.

How do I reduce my coverages to lower my bill?

If you need to, you can update your policy to carry state minimum coverage and reduce your price. You can always review your coverages to be sure you’re paying for what you need right now. Adjustments can be made right in the Root app.

  1. Tap Policy & Payments

  2. Select Policy

  3. Tap Coverages

  4. Make the desired changes to your coverages, limits, and/or deductibles

  5. Select Continue to see your updated price

Why is it important to keep state minimum coverage?

Even though you may be driving less, it’s still important to keep your insurance. Lapses in coverage could raise your price when you buy insurance in the future, even if you switch to another company.

What if I can’t pay my bill?

We understand that many of our customers are experiencing financial hardship at this time. Many state insurance boards are implementing new policies around payment grace periods and extensions. This may mean that different options are available to different customers, depending on the state you live in. We are working quickly and closely with each state to implement these new policies. As the situation continues, regular updates will be posted. Before canceling your policy, be sure to check out state-specific options:

Payment options by state  *If your state isn’t listed yet, use the link above to check for daily updates

If you still need to cancel your policy, you can make changes in the app. When you’re ready to come back, the app makes it easy. Here’s what you need to know:

  • If it’s been less than 30 days since you canceled, you’ll be able to reinstate your policy in just a few taps and avoid a lapse in coverage.

  • If it’s been more than 30 days, you’ll see a new quote available. Please note, your new quote could be higher than what you were previously paying.

 If you don’t see an option in the app, please contact us to see if we can provide you with a new quote.

What if I need to file a claim?

You can file a claim in the Root app at any time. It takes about 3 minutes.

Where do I go if I still have questions?

Here are our most frequently asked questions.

How can I speak with a customer support representative?

We’re available to connect with you personally to review your options. The fastest way for us to get in contact with you is via email at covidhelp@joinroot.com.

If you are writing about COVID-related hardship, please include:

  • Your account number

  • The name of your employer

  • Your last day worked

  • Type of unemployment you are experiencing (furlough, layoff, self-employed)

We will get back to you as quickly as we can.

Looking ahead

We greatly appreciate all of our customers and are working diligently to continue to serve you. We will continue to update this page regularly, as new information becomes available.

*Last updated on March 27, 2020.

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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.