Where does Root Insurance Company do business?

Root Insurance Company is an insurance carrier based in Columbus, OH. The company was founded in 2015 and offers auto insurance in 11 states in the USA.

What types of auto insurance coverage does Root Insurance Company offer?

Although we often talk about auto insurance in the singular, it really includes several types of coverage. Root Insurance Company offers the following types of auto insurance coverage:

  • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 

  • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.

  • Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.

  • Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.

  • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.

  •  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.

  • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most policies will also cover funeral expenses.

  • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

Root Insurance Company customers can also add the following riders or endorsements to their policies:

  • Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.

  • Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

What benefits does Root Insurance Company offer?

Root Insurance Company offers the following benefits to its customers:

  • 24/7 Phone Availability: Customer service is staffed around the clock.

  • Digital Claims Reporting: Never fax or mail a document again.

What discounts can you ask for when applying for a policy with Root Insurance Company?

When you ask for a quote with Root Insurance Company, make sure you ask for all the discounts you qualify for. These are the auto-specific discounts currently available.

  • Alternative Fuel / Hybrid: For some reason, possibly because they drive fewer miles, people who own hybrids or alternative fuel vehicles pose a lower insurance risk. If your car is green, make sure you earn the rewards.

  • Telematics Device (Usage-Based Insurance): You can qualify for a discount if you agree to install a sensor that records your driving habits.

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Root Insurance Company.

  • Vehicle Policy Endorsements
    • Emergency Roadside Service
    • Rental Car Coverage
  • Liability Vehicle Insurance
    • Bodily Injury Coverage
    • Property Damage Coverage
    • Uninsured Motorist
    • Underinsured Motorist
  • Medical Vehicle Insurance
    • Medical Payments Coverage
    • Personal Injury Protection
  • Vehicle Coverages
    • Comprehensive
    • Collision
  • Policy Discounts
    Claims Free
  • Vehicle and Equipment Discounts
    • Alternative Fuel / Hybrid
    • Telematics Device (UBI)
  • Carrier Features
    • 24/7 Phone Availability
    • Digital Claims Reporting
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