The right car insurance coverage is waiting for you

Included with every policy

Why is this important?

If you need a tow truck or a jump start, or if you lock your keys in the car, we'll cover the help you need to get back on the road.

Important details:

• Roadside Assistance is included with every policy.

• If you need Roadside Assistance, make a request through the app. Our Roadside Assistance partner is ready to help.

• If you choose to use another Roadside Assistance provider, email all receipts to roadside@joinroot.com for reimbursement.

• For vehicles on your policy, you’re covered for three incidents per vehicle, per 6-month policy term, up to $100 per incident.

• Looking for more protection? Learn about mechanical breakdown insurance here.

Collision pays for covered damage to your vehicle when you cause an accident. Learn more about Collision coverage and how to go about choosing the right Collision coverage.

Why is this important?

If you cause an accident, Collision coverage will pay for repairs to your car or for a replacement vehicle when needed. Without it, you're paying out of pocket.

Important details:

• This also covers damage to your vehicle if you are hit by someone without insurance or are involved in a hit-and-run.

• Coverage costs vary based on your vehicle. Have a newer or more expensive car? Expect Collision to cost more. You can find the cost easily in the app.

• Financing or leasing your vehicle? Your lien holder (leasing company) may require you to have Collision.

• Remember, claims always work on a case-by-case basis.

Comprehensive insurance pays for covered damage to your vehicle caused by anything other than an accident. Learn more about choosing Comprehensive coverage.

Why is this important?

If your car is damaged by a storm or if it's stolen, Comprehensive coverage will pay for repairs or for a replacement vehicle. Without it, you may be paying out of pocket. 

Important details:

• This pays for covered damage such as hail or other storm damage, flood damage, car theft, a broken windshield, or damage from wildlife.

• Coverage costs vary based on your vehicle. Have a newer or more expensive car? Expect Comprehensive to cost more. Find out the cost right in the app.

• Financing or leasing your vehicle? Your lien holder (leasing company) may require you to have Comprehensive.

• There are limitations to the coverage, including intentionally damaging the vehicle.

When your vehicle is being repaired and you need a ride, Rental car coverage has you covered. Learn more about choosing Rental coverage.

Why is this important?

If you were in an accident and your car is being repaired, you may need a rental vehicle to get around. With Rental coverage, you have one less thing to worry about.

Important details:

• We offer you options—car rental or Lyft reimbursement.

• We'll help you choose which option is best for you depending on your claim.

Required by law in 8 states

Uninsured Motorist Property Damage (UMPD) covers your property when it is damaged by an uninsured driver. Learn more about choosing UMPD coverage.

Why is this important?

Accidents happen, but if you’re hit by someone without insurance, you could get stuck paying for damage caused to your property. With UMPD, your property is covered regardless of whether the at-fault driver can pay. That’s good news for you.

Important details to consider:

• UMPD also covers damage caused from a hit-and-run.

• Collision and UMPD both cover damages caused by uninsured drivers. If you have Collision coverage, you typically do not need UMPD, although UMPD may have a lower (or no) deductible.

• We currently only offer UMPD in certain states.