Customizing Coverages

Background

In auto insurance, there are two primary types of coverage: liability and comprehensive/collision.

Liability coverage is a policy wide coverage that follows all listed drivers on a policy. This coverage protects against the damages our customers may cause to others property or health. This coverage is required by law in all markets so drivers cannot get in accidents and not have coverage for the damages they cause.

Comprehensive/collision coverage is tied to the listed vehicle(s) owned by the customer. This coverage protects against damages done to customers’ vehicles. This coverage is always optional for a customer to add or remove.

At Root, customers have the option to toggle each vehicle to include/exclude comp/coll. Customers can adjust their deductible amounts per coverage (comprehensive or coll) but not per vehicle. If a customer selects a deductible amount, it will apply to all toggled vehicles.

Example Scenarios

Deductibles Example

Vehicles covered: 2/3 included

Collision: $250 deductible

Comprehensive: $1,000 deductible

Permitted & Prohibited Scenarios

Scenario 1: Decline comp/coll for individual vehicles - Allowed in every market except CO

Vehicle 1: $500 deductible for comp/coll
Vehicle 2: No deductible, comp/coll decline

Scenario 2: Different deductibles for comp/coll - Prohibited in every market

Vehicle 1: $500 deductible for comp/coll
Vehicle 2: $1000 deductible for comp/coll

Scenario 3: Matching deductibles for comp/coll - Allowed in every market

Vehicle 1: $500 deductible for comp, $1000 deductible for coll
Vehicle 2: $500 deductible for comp, $1000 deductible for coll

Scenario 4: Different deductibles for comp as well as coll - Not allowed in every market (similar to scenario two)

Vehicle 1: $500 deductible for comp, $1000 deductible for coll
Vehicle 2: $1000 deductible for comp, $500 deductible for coll