Terms & Conditions

For joinroot.com

Last updated on March 19, 2018

Please read these Terms and Conditions (“Terms”, “Terms and Conditions”) carefully before using the www.joinroot.com website (“Website”, “Site”) operated by Root Insurance Company (“Root”, “us”, “we”, or “our”).

Your access to use the Site is conditioned on your acceptance of and compliance with these Terms. These terms apply to all www.joinroot.com visitors, users, and others who wish to use the Site.

By accessing or using the Site you agree to be bound by these Terms. If you disagree with any part of the Terms you are not granted permission to access or otherwise use the Site. These terms apply only to your use of www.joinroot.com and do not change or modify any other agreement of contract between you and Root Insurance Company.

Root reserves the right, in its sole discretion, to change these Terms and Conditions at any time without prior notice to you. Your continued use of the Site after any change may be made to the Terms constitutes acceptance of the change or changes.

To the extent permitted by law, Root disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Root does not warrant that the functionality or operation of the Site will be uninterrupted or free from error, that any defects in the Site will be corrected, or that the Site or the server(s) that make it available are free of viruses or other harmful conditions or components.

If you access or use the Root Insurance Company App (“App”) from or through www.joinroot.com or in any other manner, access and use of the App is subject to acceptance of the terms of Root’s Mobile Application End User license Agreement.

Privacy Policy

The Privacy Policy for www.joinroot.com can be accessed here. The Privacy Policy discloses Root’s privacy practices and will notify you of the following regarding your use of www.joinroot.com.

Accounts on www.joinroot.com

Creating an Account. You have the option at your discretion to create an Account when using the Site (www.joinroot.com). Creating an Account at www.joinroot.com requires you to submit to use an email address and password that you as the user create. When you create an Account at www.joinroot.com, you are attesting that you are 16 years old or older at the time the Account is created and that the information you provide us is accurate, complete and current at all times. If you submit inaccurate, incomplete or not current information, Root may, at Root’s sole discretion, take any action with respect to your account that it deems appropriate under the circumstances, including, without limitation, immediate suspension or termination of your Account.

Your Responsibility. You are responsible for maintaining the confidentiality of your Account, including but not limited to the restriction of access to your computer and/or Account, and protection of your password. You agree to accept responsibility for any and all activities or actions that occur under your Account and/or password,. You must notify us immediately by sending an email to help@joinroot.com upon becoming aware of any breach of security or unauthorized use of your Account.

In creating or using an Account you may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than you, without appropriate authorization. You may not use as a username any name that is offensive, vulgar or obscene.

Marketing Communications. By creating an Account at www.joinroot.com you agree that Root can contact you with email or other communications relating to your Account and/or the Site. If you create an Account at www.joinroot.com and have not had or no longer have an insurance policy with Root, you can contact us at help@joinroot.com to request that we remove you from our marketing distribution lists.

We reserve the right to refuse service, terminate accounts, remove or edit content in Root’s sole discretion.

Links to other websites

Our Site may contain links to third party websites or services that are not owned or controlled by Root Insurance Company. Root has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third party websites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

You acknowledge and agree that Root shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third party websites or services. We strongly advise you to read the terms and conditions and privacy policies of any third party websites or services that you visit.

Governing law

In general, these Terms shall be governed and construed in accordance with the laws of Ohio, United States, without regard to its conflict of law provisions. Notwithstanding the foregoing, all policies for motor vehicle insurance are governed by the laws in the state in which such policies are written. Therefore, in connection with your application for, and our underwriting and issuing a policy for motor vehicle insurance, the following law shall apply:

  1. State of Residence

    Law Governing Insurance Policy

  2. Alabama


  3. Alaska


  4. Arizona


  5. Arkansas


  6. California


  7. Colorado


  8. Connecticut


  9. Delaware


  10. Florida


  11. Georgia


  12. Hawaii


  13. Idaho


  14. Illinois


  15. Indiana


  16. Iowa


  17. Kansas


  18. Kentucky


  19. Louisiana


  20. Maine


  21. Massachusetts


  22. Michigan


  23. Minnesota


  24. Maryland


  25. Mississippi


  26. Missouri


  27. Montana


  28. Nebraska


  29. Nevada


  30. New Hampshire

    New Hampshire

  31. New Jersey

    New Jersey

  32. New Mexico

    New Mexico

  33. New York

    New York

  34. North Carolina

    North Carolina

  35. North Dakota

    North Dakota

  36. Ohio


  37. Oklahoma


  38. Oregon


  39. Pennsylvania


  40. Rhode Island

    Rhode Island

  41. South Carolina

    South Carolina

  42. South Dakota

    South Dakota

  43. Tennessee


  44. Texas


  45. Utah


  46. Vermont


  47. Virginia


  48. Washington


  49. West Virginia

    West Virginia

  50. Wisconsin


  51. Wyoming


The list of states provided above may include states where Root is not licensed to offer policies for motor vehicle insurance. Please visit www.joinroot.com for an up-to-date listing of states where Root currently offers such policies.

Specific enforcement of rights

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Site, and supersede and replace any prior agreements we might have had between us regarding the Site.


We may terminate or suspend your account and bar access to the Site immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms. Please note that termination described in this section pertains to your use of www.joinroot.com and creating an account on that site. Termination or cancellation of an insurance policy with Root is governed by the various state insurance laws and regulations.

If you wish to terminate your use of the Site, you may simply discontinue using the Site. If you wish to disable your account, simply email us at help@joinroot.com.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Form 11, February 2018