Root Insurance Give Test Drive Again

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Frequently asked questions

Practice you lot have questions virtually Root auto insurance? Find your answers here, or employ the in-app support for assistance with your policy. Want to encounter how much you could save? Start your quote online.

Were yous offered insurance from day one?

Help Topics

Assistance Topics

• Near Root
• Test Drive
• Policy
• Coverage
• Referrals
• Claims
• COVID-19

About Root

What is Root Insurance?

The insurance industry is cleaved. We're hither to reimagine it. To that end, Root is the first machine insurance company that was founded on the relentless pursuit of fairness. We employ an app to rate drivers based on how they really bulldoze—not just their demographics. By not insuring bad drivers, Root is able to save good drivers hundreds on their machine insurance.

How does Root car insurance work?

The Root app uses engineering science in smartphones to measure driving behavior—such as braking, speed of turns, driving times, and road consistency—and determines who is a safe driver and who isn't. Past merely insuring safe drivers, Root can offer more affordable rates. And the entire Root experience is simple and like shooting fish in a barrel.

You tin can do everything in the app—customize and purchase your policy, detect your insurance card, brand changes to your policy, and file a merits. We tin fifty-fifty request cancelation of your old insurance policy for you.

How will I know I'll relieve money with Root? How much tin I actually save?

You won't know until you do the test drive—information technology depends on your driving skills and habits—just customers who switched to Root have saved hundreds annually.

Where is Root car insurance available now?

Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Due west Virginia, and Wisconsin. Nosotros're rapidly expanding into other states, too—bank check out our availability map to see if your country is coming soon.

When will Root automobile insurance be bachelor in my land?

We're working to bring Root auto insurance nationwide as apace as possible. Considering each state is regulated differently, it takes longer to go into some states than others. Sign up for a notification when we become to your country. Or y'all can brainstorm your test bulldoze to go a head start.

What if I move to another state?

Policyholders tin can transfer states, if Root is offered in the new state. Check the availability map to meet if the new state is covered, then update your address right in the app.

What if Root is bachelor in my state but I take an out-of-state license?

Not a problem. In well-nigh cases, as long equally Root is available in your country, you can notwithstanding sign up for the test drive or be added to a policy. Nosotros're nevertheless working on a few states, then if you have any trouble, send usa a note.

Which phones does Root support?

Root is available for iPhones (5s and higher up) and most Android phones. Check the Google Play Store to come across if we back up your Android telephone.

Is my car insurance rate based completely on my driving power?

Driving ability is the single largest factor we consider when deciding your quote.

Nosotros do take into account several standard factors that are mathematically predictive of risk or fraud—it'south the responsible thing to practise—but nosotros're committed to eliminating as many factors as we tin (like your credit score) equally applied science progresses and artificial intelligence gets smarter.

Learn more near how Root prices insurance.

Why don't you insure everyone?

This one is simple—because thirty% of drivers cause nearly 45% of all accident costs[1]. Nosotros don't think good drivers should accept to pay for other people's bad driving, so we don't insure bad drivers. That means good drivers save.

Test Bulldoze

What is the test drive?

The examination bulldoze is how we make up one's mind your proficient driving habits. We then use that data to aid calculate your rate.

Here's how it works:

1. Download the Root app

2. Sign up in less than a minute

3. Bulldoze as you normally would-keep your phone with y'all when you do

4. We'll employ driving data from your phone to measure your driving behaviors. It takes about 3 weeks.

5. If you authorize, yous'll get a quote based primarily on your good driving. The amend you bulldoze, the more you could salvage.

What qualifies me as a good commuter?

Braking, speed of turns, times of twenty-four hours, miles driven, and driving routes are all considered when computing your quote. Basically, follow the rules of the road and be mindful of other drivers when you lot're behind the bicycle.

Okay, I'm ready to do the test drive. How practise I beginning?

Download the app, become through the 47-second signup, and hit the route.

Does the Root app need to be open for trip tracking to work?

The Root app does non need to exist open up. You really give it permissions to run in the groundwork on your phone when you set upwardly the examination drive.

Do I need to leave GPS on during the test drive?

Yes. Without GPS, we won't be able to make up one's mind your quote.

You enable GPS when you lot ready upwards permissions after installing the app. Or, yous can enable it subsequently by updating your settings to "always allow" location access.

How practice yous know that I'g the driver and not the passenger?

Once you download the app, we use machine learning algorithms to identify patterns in the location and motion data we receive from your telephone. These patterns are different based on whether you are driving a automobile or are a passenger. The patterns besides modify for other modes of transportation, and then nosotros can tell if you're driving a car, riding a bike, or taking the subway. And don't worry, it takes a little time for your Commuter Scorecard to update. By just using data from when you're driving, we are able to make up one's mind your rate based on your driving habits.

Can I get a quote without taking the exam bulldoze?

Every policyholder must accept the test drive. Information technology's how we keep our rates fair—by just insuring skillful drivers.

Tin can I add together other people to my policy?

Yep, you can add other people to your policy as long as they live at the same address. In fact, we encourage it.

Here'south how yous invite others to the examination drive:

1. When you create your profile, you lot will accept the option to add together more drivers.

2. Add the drivers' data (scan their license or add manually) and tap Continue.

3. Later you complete your profile, y'all volition exist taken to the invite screen. Tap Invite adjacent to each new driver's proper noun.

4. The other drivers will receive a text message with a link to download the Root app (they have to use this link to be included on your policy).

5. Each commuter will create an business relationship (attached to yours) with their own email address, and will start their test drive .

Did you forget to add someone when you created your contour? No worries—you can invite drivers to the test bulldoze at whatsoever point before your test drive is complete. Here'due south what you practise:

1. Open the app.

2. Tap the carte du jour in the summit left corner.

3. Select Auto Policy.

4. Tap Contour info.

5. Select Add new driver.

When anybody on the account finishes their test drives, you'll get your quote. You can ever add together more drivers after you have a policy, only they won't take the test drive, and of course their add-on will increment your toll.

Does everyone on my policy have to do a exam bulldoze?

Not currently. However, it'southward highly recommended that anybody who will be on your policy takes the test drive. The more people who practise the test bulldoze, the better we tin determine the discount you deserve.

What if I'm a bad commuter?

Root isn't the correct fit for anybody. Our models don't work with every situation, and so we may not offer you a quote later the test drive. That just means you lot could save more than with another carrier, and we don't want to stand in the manner of your saving money.

I took the test drive and didn't get a quote. Can I endeavor again?

Not at this time. Just if that changes in the future, we'll be sure to allow you know.

Will taking the Root examination drive affect my rate with my current insurer?

Absolutely not. Your electric current insurer will never know yous tried Root.

Volition you lot sell my personal data to other companies?

We practice non sell your personally identifiable information. We intendance about your privacy. Learn more about our Privacy Policy.

I drive for a living. Will that affect my test bulldoze?

Currently, every trip you take during the exam drive volition count toward your quote, regardless of why y'all're driving. For people who drive for work, like EMTs, police officers, postal service delivery personnel, and truck drivers, this means the trips y'all take for work will be used in addition to your personal driving to calculate your rate.

But, we encourage you to have the examination bulldoze anyway. Good drivers are frequently surprised by how low their quote is—even with their piece of work trips.

Won't the test bulldoze drain my phone battery?

We practise our best to make certain that our test bulldoze is as bombardment friendly as possible—many customers report no change or very little modify. The skillful news? Whatever brusque-term inconvenience could lead to big savings.

What is the driver scorecard?

The driver scorecard is how you can keep tabs on how the examination bulldoze is going. When you drive, we consider things like braking, turning, safety hours, and safe phone use to calculate your score.

Yous can bank check your scorecard to meet how yous're doing on some of these driving habits—to make certain things are going well or so that you know where to brand improvements. Once we've recorded enough trips, nosotros'll give you an overall number score for how y'all're doing.

Why isn't my scorecard showing me a score?

We show you a score at the top of the scorecard once we've measured enough data from your driving. If you don't see a score, it just means you haven't driven enough however for us to determine how yous're doing.

I got a high score on the test drive. Why wasn't I offered a quote?

Driving is the number one factor we consider when we decide if Root is the right fit for someone, but there are also other predictive factors we have to consider. Unfortunately, that means we still may non be able to offer you a quote, even if you lot received a loftier test drive score.

Want to know more? You can come across a breakup of what we consider here.

I can't avoid driving late at night. Will this touch my score?

While nosotros do recommend drivers avert driving very tardily at dark whenever possible, we understand that some people nonetheless have to drive belatedly. The good news is that when you lot drive is only one gene nosotros consider in your overall score, so as long as yous're driving safely, everything should be fine.

My test drive has been stuck for the terminal couple of days.

If this happens, make certain your location services are on. If they are, follow these steps:

1. Delete the app.

2. Restart your phone.

3. Download the Root app once more, and the exam bulldoze will choice upward where you left off.

If y'all yet have problems afterwards 24 hours, contact customer support.

Policy

How practise I pay for my policy?

Y'all can right in the app. We have credit cards and Apple Pay, and yous can choose to pay monthly or every 6 months. If yous desire to alter your payment frequency, larn how hither.

Please note that when you purchase your policy, payment will be processed immediately, even if you choose to offset your policy at a afterward engagement. This is true whether yous pay monthly or for a full 6-month term.

How does payment work?

If you lot choose monthly:

• We volition process your beginning payment on the appointment you buy the policy, even if your insurance will start at a later on engagement.

• We will automatically process your second payment about one month after your policy commencement date, using the payment method in your profile.

• Nosotros volition continue to automatically withdraw your payment each month, using the payment method in your profile.

If you choose full term (6 months), you will make a one-time payment when you buy your policy, even if the policy starts at a later appointment. We will then automatically process your payment again at your vi-month renewal, using the payment method in your profile.

Tin I change my payment date?

If you are paying monthly, you can change your payment engagement correct in the app.

To change your payment date in the app:

1. Open up the app.

2. Select Payments from the menu.

3. Tap Payment Date.

4. Follow the steps to select and confirm your new payment date.

 We will automatically process your next payment on your new payment appointment.

Can I modify my payment frequency?

Yes, y'all tin.

If you lot choose to change your payment frequency from monthly to full term (6 months), that change goes into upshot immediately.

If y'all've already paid for a full term and you prefer to pay monthly moving frontward, you tin can make that change anytime in the app, simply the new monthly billing schedule will not become into upshot until the adjacent term begins.

Here's how to change your payment frequency:

1. Navigate to Payments

2. Click Payment Frequency

3. Select your payment frequency—monthly or full term (6 months)

4. Click Continue and follow the prompts to consummate your change.

I'g not set to start my policy yet. Can I choose a after starting time date?

Aye, you cull a outset date before you purchase the policy. The outset appointment merely has to be inside 60 days. But it'due south very important to note that y'all pay the day you purchase the policy, even if information technology doesn't start yet.

How do renewals work?

Your policy volition automatically renew every vi months. Your cost might modify, so we'll permit you know what the new price will exist ahead of your renewal date. If you don't have whatever policy changes or questions, you lot won't have to do anything.

What if I already have an insurance policy?

We can request counterfoil of your old insurance policy for you. You can choose that option in the app. It may take upwards to 2 weeks for your sometime carrier to process the cancellation, just it will be retroactive to the day yous started your Root policy. Hither are some tips on switching to Root.

Where is my insurance card?

You can access it anytime in the app. We'll as well mail you a physical copy.

What if I want to brand changes to my policy?

You lot can make changes to your policy right in the app. It's easy:

1. Open the app.

2. Tap Machine Policy.

3. Tap Profile information to brand changes to driver, vehicle, or accost. Or select Coverages to make changes to your coverage.

You'll know if your policy changes affect your rate before you lot commit. Learn more.

When practice the changes I make to my policy go into result?

Immediately, unless y'all choose a specific date for your changes to go into effect. If you're changing your payment frequency (from monthly to full term or vice versa), that change will go into effect at your policy renewal.

If I make a change to my policy, volition it affect my rate?

Maybe, but you'll know how it volition bear on your rate before you lot commit.

Why did my charge per unit modify/increase?

At Root, we are committed to fairness. We will always requite our skilful drivers the lowest rates we tin sustainably offer. That said, adventure is always irresolute and insurance rates can fluctuate for a diversity of proficient reasons.

Here are a few:

• Changes on your end (you moved, added or removed vehicles or drivers, or your driving tape changed).

• Changes around you (serious weather changes, corporeality of accidents around y'all goes upwardly or downwards, cars around you go more or less expensive to repair).

• Changes on our stop, such equally risk actuarial changes.

Larn more about why insurance rates alter hither.

Do I need to let my lien holder (loan/lease company) know that I've switched insurance companies?

We'll accept intendance of that for you. If you accept a loan/lease company, yous exercise demand to add them to your policy. Hither's what to practise:

1. Tap Auto Policy.

2. Select Financial institution details.

3. Tap Add loan/lease visitor.

4. Enter the visitor's name and Continue.

5. Enter the address and click the orangish arrow.

6. Cull the vehicle with the lien or lease and Continue to save.

In one case you've filled out this data in the Root app, nosotros'll contact your loan/charter company for you. They'll receive all of the data they need within ane week.

How do I reinstate my policy?

If your policy was canceled by y'all or due to nonpayment, y'all may still be able to reinstate.

Hither's what you exercise:

1. Open up the app.

2. Underneath the inactive insurance card are instructions to Tap here to reinstate your policy.

3. Respond a few questions (we'll want to know if anyone on your policy was in an accident since you canceled).

4. Purchase. You will be charged for the days between cancellation and reinstatement. Your bill for the next month volition come on the date it ordinarily did.

If it is too late to reinstate, the option volition non exist available in the app. Reach out to our customer service team if you lot have whatever questions.

If my car is totaled in an accident, volition you remove it from my policy?

Nosotros are non able to make changes to your policy for you, but removing a vehicle from your policy is quick and like shooting fish in a barrel.

1. Open the app.

2. Tap Car Policy.

3. Select Contour information.

4. Choose the vehicle to remove.

5. Tap the trash can icon and Proceed to meet your updated price.

Who is the chief named insured (PNI) on an insurance policy?

If you're trying to cancel your old insurance policy in the app, you must exist listed as the PNI for your sometime policy. This means you're listed as the chief business relationship holder with editing/canceling privileges. If you lot are the PNI, we'll be able to easily end your one-time policy on your behalf, with your e-signature.

Coverage

Do you cover motorcycles, ATVs, exotic, or commercial vehicles?

We don't embrace these vehicles at this time. We're working on excelling in the personal vehicle industry at the moment, but you can sign up for our electronic mail listing to be notified of whatever changes.

Do you embrace vehicles with rebuilt or salvage titles?

Nosotros encompass vehicles with rebuilt titles as long every bit you are able to provide us with a VIN for the vehicle (and as long equally the vehicle satisfies our other criteria for coverage). Visit our article on Salvage and Rebuilt Title Insurance to learn more.

What is a limit?

A limit is the highest amount Root will comprehend if you're in an accident that y'all acquired. You tin choose to pay more per month for a higher limit and know you're covered in case of a major blow. Or, you can pay less per month for a lower limit, but you lot risk paying out-of-pocket later, if an accident costs more your limit.

What is a deductible?

A deductible is the amount you pay toward repairs (or maybe a replacement car) before Root pays for the rest. The lower your deductible, the higher your rate. That's because you lot would pay a lower amount toward the repairs of your vehicle after a covered incident, and we would option up the rest. For example, your deductible could be as picayune as $100.

And the opposite is true, likewise. You could choose a higher deductible—say, $1,000—and pay less for your insurance. But if you ever need to use your Collision or Comprehensive coverages, you lot'd have to pay this college deductible amount first before your insurance kicks in and covers the residue of the costs.

Deductibles are per incident. It's non similar wellness insurance where in one case yous pay your deductible for the twelvemonth, insurance covers the balance. If you need to utilise your Comprehensive coverage three times in a twelvemonth, you would take to pay your deductible each fourth dimension.

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Do you offer gap coverage?

We practice non offering gap coverage at this time, but we will exist sure to let you know if that changes! Sign upwardly for notifications.

Exercise you offer an SR-22?

Yous tin can asking your SR-22 form direct in the app past tapping on Auto Policy, then Document Requests, and then SR-22. The app will guide yous through the rest. Information technology'southward piece of cake to do.

Do you insure teenagers?

Absolutely. Nosotros insure good drivers of whatsoever age. In fact, teenagers who are proficient drivers can become much lower rates with Root, because nearly traditional insurance companies rate solely based on demographics—leaving teenagers with the most expensive rates. At Root, we take into account how teenagers actually drive, so they could save some money. Learn more about our auto insurance for teens.

What will my policy encompass?

At a minimum, your policy will cover Liability Insurance (required by police), Roadside Aid (included with every policy), and whatsoever coverages required by your state.

Your Root Insurance quote will likely offer you the same coverages provided past your previous insurance company—from there, you lot can customize your quote to include whatsoever additional coverages you need.

Does my policy encompass me when I'm driving a rental car?

Yes. If you're driving a rental car anywhere in Canada, the United States, or the U.S. territories, you lot're covered by your Root policy. Roadside Assistance, however, does not extend to a rental machine.

Delight note: we tin just provide the same coverage you lot purchased on your ain vehicle. And so, if you simply have liability on your covered car, y'all'll only have Liability on your rental. You may want to purchase additional coverage from the rental car company, if y'all want expenses covered for whatsoever damage you may cause to the vehicle. Otherwise, you lot could end upwards paying out of pocket.

Do you lot cover windshield repair/glass damage?

If you accept Comprehensive coverage, yes. We cover whatever repairs to your windshield. If y'all need to replace the windshield, we may kickoff apply your deductible. Visit our cracked windshield insurance page to learn more.

What if I take questions near changes to my coverage?

You tin can review information about all of our coverages here. If y'all still oasis't establish the answer you're looking for, contact customer back up and we'd be happy to help.

Do you offer Roadside Assistance?

We not only offering it, we include Roadside Help with every Root policy. Merely make a asking through the app. Any service less than $100 is covered for vehicles on your policy, up to three incidents per 6-month policy term.

Roadside Assistance is purchased separately in California.

How does Roadside Assistance piece of work?

Nosotros make information technology piece of cake. Here'south what to do:

1. At the bottom of your domicile screen in the app, tap Claims & Roadside.

2. Choose Roadside Help, and the app volition guide you through the unproblematic process to asking help.

3. Whatsoever service less than $100 is covered for vehicles on your policy, upwardly to iii incidents per six-calendar month policy term.

4. If you owe anything for a service, you can make the payment over the telephone. In that location will be a number provided for you in the app.

If you choose to utilise another Roadside Assistance provider, email all receipts to roadside@joinroot.com for reimbursement. Visit our Roadside Assistance page to larn more.

What does it hateful to exist in a no-fault state?

A no-fault state limits liability in an accident. Each person in the accident has their ain insurance cover any injuries or lost wages they sustain—Personal Injury Protection coverage, or PIP—upwards to a certain amount. All no-fault states crave PIP coverage.

If I become into an accident, will I exist deemed a bad commuter and lose coverage?

Nosotros understand that life happens, and we're committed to being at that place to make things easier for our customers when it does. Nosotros also understand that i accident is rarely an indicator of driving ability. That said, it wouldn't be fair or responsible of united states of america to ignore a pattern of accidents, and nosotros reserve the right to cancel coverage in sure circumstances.

If someone else drives my car and they go into an accident, volition my vehicle still be covered under my Root policy? Or, if I drive someone else'due south car, volition my Root policy nonetheless cover me?

Yes, if you give permission to someone else to drive your car, and they get into an accident, your vehicle will yet be covered by your Root policy. Yet, if someone in your household is regularly driving your machine, they should exist listed on your policy.

Your Root policy likewise covers yous if you drive another motorcar, but if the vehicle is insured separately on another policy, damages would be covered by that policy.

Referrals

Do you have a referral plan?

Yes, nosotros do. We have found that practiced drivers know other good drivers. By referring your friends, yous help us abound our customs of good drivers. Fifty-fifty better, when one of your friends takes the test drive and gets a quote, you both earn a greenbacks offer. It's our way of maxim thank you for keeping the roads condom.

How does the referral programme work?

1. Refer us to your friends using your personalized referral link (it's in the app).

2. Once a friend signs up, we'll keep y'all updated on their progress.

3. If they take the examination drive and qualify for a quote, you get paid and they go paid. That'southward what we call a win-win.

4. Repeat steps one-iii. Refer every bit many friends as you want.

How will I go paid?

You'll be able to claim your bonus correct in the app. You can practise a bank account transfer, get a Visa prepaid bill of fare, apply PayPal, or choose a gift bill of fare to any of the provided vendors.

(Due to some restrictions, some people may non be able to claim their bonus in the app. Don't worry—we'll send you a check in the mail. The referral program is not currently bachelor to all users, including those in California and Due north Dakota.)

Is there annihilation else I should know about using the referral plan?

There are a few things to go along in mind:

• You MUST use your personalized referral link to refer your friends. If you lot don't, you won't get your bonus offering (no exceptions). We tin can only pay yous for the referral if your friend uses your link.

• You lot go paid when your friend takes the exam drive and qualifies for a quote, whether they choose to purchase a policy or non. Unfortunately, we don't pay for referrals when the friend does not authorize for a quote after the exam drive, but the more than friends you refer, the more than chances you'll have to go a bonus offer.

• Bonuses are not available for senders and receivers who are on the same policy.

• The referral plan is non currently bachelor to all users, including those in California and Due north Dakota.

How much money do I go for a referral?

Information technology depends on your state, but it ranges from $10 to $100. Check to see how much you tin get per referral by tapping Refer friends from the carte du jour in the app then tapping $ in the top correct corner.

Do I have to have an insurance policy with Root to refer someone?

No, if Root isn't the right option for you, you can still refer friends you recall would be a adept fit. But download the app, create a profile, and tap Refer friends in the menu.

How many people can I refer?

You can refer as many people equally you want. A few restrictions use: • The referral program isn't however available to customers in u.s.a. of CA and ND. • Referral rewards take an annual limit of $100 in GA, NV, NM, WA, and an annual limit of $25 in MN, NH, and WV. • Referral rewards have a lifetime limit of $1,000 per customer in available states, with the exception of $100 in OK.

How long volition it take to get my referral bonus?

It depends on how you cull to claim your bonus:

• Gift carte du jour: we'll send it to your email immediately

• PayPal: upwards to 1 business concern day

• Banking company transfer: 2-iv concern days

• Visa prepaid carte: five-7 business days (sent in the mail)

If we send you a check, you can expect it in ii-3 weeks.

Claims

How exercise I report a claim?

Accidents are tough. We make filing your claim piece of cake. Here's what to do:

1. Tap File a claim or get roadside assistance at the bottom of the dwelling house screen in the app.

2. Choose File a claim to study your incident anytime directly in the app. It merely takes iii minutes, and it allows us to become started on your merits right abroad.

3. Provide as much information as possible in the app. Don't worry if you don't take all the details available.

4. You'll have the choice to add photos to your claim.

5. A claims practiced will make it touch with y'all to review your claim and talk over next steps in the process.

Visit our car insurance claims folio to learn more.

Or yous can attain our claims experts directly during business hours past phone (Mon through Friday, 9 a.one thousand. to 5 p.m. ET). New claims tin can be made 24/7 in the app or by calling: 866-980-9431.

If you're non a Root client, but yous were in an accident with someone who has Root Insurance, you lot can file a claim online.

How will I get paid for my merits?

We will send y'all a check in the mail service or provide an electronic payment.

How quickly do I demand to file a claim?

We highly recommend you file your merits immediately, while the details are all the same fresh. The more details we have of your accident, the more efficiently we'll be able to resolve your claim.

Volition you pay for my rental car?

If you purchased Rental motorcar coverage before the accident, yes. We offer coverage for a car rental while your car is undrivable or beingness repaired. A quick annotation: Rental car insurance covers the cost of a rental vehicle up to your limits when a covered motorcar is in the shop equally part of a claim for a covered accident or loss. It doesn't apply to vacation car rentals.

How long can I continue a automobile rental?

It's up to you. You cull your own limits when you buy Rental coverage.

How practice I get a tow truck subsequently an blow?

If you've been involved in a auto accident and you need a tow truck to move your car, contact the constabulary. They will help move your vehicle to a rubber location once you report the accident.

Our Roadside Assistance will non encompass a tow truck in the event of an blow. If the other political party is at fault for the blow, their insurance will embrace those costs. If you're at fault, Collision will encompass the towing costs. If you don't have Standoff coverage, you will be responsible for the tow truck costs.

 For your safety, during COVID-nineteen, customers are no longer riding in the tow truck.

COVID-19

How do I reduce my coverages to lower my bill?

If you need to, y'all can update your policy to carry state minimum coverage and reduce your price. You can e'er review your coverages to be certain you're paying for what yous need right now. Adjustments tin can exist 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 of import to keep state minimum coverage?

Even though yous may be driving less, it's nevertheless important to continue your insurance. Lapses in coverage could raise your price when yous buy insurance in the future, even if you switch to another visitor.

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 departments are implementing new policies around payment grace periods and extensions. This may mean that different options are available to unlike customers, depending on the state you live in.

Payment options past land —Check this link to see if your land qualifies for payment extension. If your state is listed, email covidhelp@joinroot.com. We volition respond soon.

If you yet need to abolish your policy, y'all can make that change in the app. When you're ready to come back, the app makes it like shooting fish in a barrel. Hither's what you need to know:

• If it'due south been thirty days or less: And so long as your last payment was on time, y'all may still be able to reinstate your policy with just a few taps and avoid a lapse in coverage

• If it'southward been more than thirty days: Y'all'll see a new quote available. Delight annotation, your new quote could be college than what y'all were previously paying.

If you don't see an selection in the app, please contact united states of america to see if we can provide you with a new quote.

How tin can I speak with a customer support representative?

Please review our Not-weather emergency page to encounter if your land qualifies for a COVID-related payment extension. You might also notice what yous're looking for in our frequently asked questions.

If you still have questions, email u.s. at covidhelp@joinroot.com. Or, you can reach us at 866-980-9431, Monday-Friday nine a.m to 8 p.grand.

Need more than assistance?

You can achieve our client service team past email at help@joinroot.com.

Member of the printing?

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Source: https://www.joinroot.com/help/

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