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What are the different features of Root Insurance?

Hailey Avatar By: Hailey | Last updated July 22, 2020

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Root Insurance is an innovative approach to car insurance. It aims to avoid the traditional process of applying for a car insurance. With this service, you can avoid tons of paperwork and apply for your insurance entirely though your phone.

Root Insurance is the first tech-insurance company not related to healthcare that is a privately held startup worth over a billion. This shows that many people trust the company to grow in the future.

Mobile phone-focused insurance

The main difference between Root and other car insurance companies is their mobile-phone integration. With their application (which is downloadable through the Google Play Store or Apple Play Store), you can apply for a car insurance, do a test drive, and be given possible insurance rates for you to choose from. You can also apply for claims entirely through your phone.

Test driving

Another feature of Root Insurance is that their offered rates and coverages depend upon your driving skills. To accurately measure this, you will be given a test-driving period that will measure how safely you drive through these four factors:

  • Braking
    • Consistency
    • Speed
    • Hours of driving

Driving safely gives you better rates as you are less likely to be involved in accidents. In case your driving score is too low, Root Insurance will not offer you an insurance to avoid giving high rates.

However, they do not give exemptions for those who drive for a livelihood. This means that emergency drivers, delivery couriers, and those who work in similar positions, may be at a disadvantage.

How to file a claim

Root stays true to its purpose of maximum convenience for its customers. Even filing a claim can be done through your phone.

In case of an accident, you can simply take a picture of the vehicle and any property or person. Send it through the application and wait for a response later. They will then review the images and give you an electronic payment depending on the severity of damage.

Referral program

Because Root is a starting car insurance company, they offer incentives for referring others to join them. According to their website, they have given as large as $3,858, 145 in total for referrals.

To do this, simply download their application and apply for an insurance. After this, you can ask for a referral code which you can give to a friend or a contact. The money they give ranges from $10 up to $100.

Mobile application

Because almost all of the transactions with Root Insurance are done through your phone, their application is very easy to navigate through. It uses a user-friendly interface which you can learn instantly upon downloading.

Submitting your personal information, starting your test drive, and submitting for claims can all be done within the mobile application. In case you have specific questions, you can also ask for direct assistance from their representatives through the phone. They are knowledgeable about the company’s offers and are helpful for answering your inquiries.

Flexible pricing plans

Another highlight of Root Insurance is that they have flexible pricing plans that depend upon a lot of variables. A majority of this is your driving performance. Other factors include:

  • BMV Record
    • Credit
    • Age
    • Marital Status
    • Gender
    • Zip
    • Vehicle Type
    • Prior Insurance

In comparison to other companies, Root Insurance takes the other variables lesser in priority than driving performance. This allows a fairer pricing plan as this gives you more ability to control the prices of your insurance plan. Aside from this, any prior records will not be given much attention as long as you drive safely.

Offered coverages

Root Insurance offers the following coverages:

  1. Liability coverage – These are insurances that are required for all states. This includes bodily injury insurance that pays for damages to another person (including funeral expenses, wage expenses) and property damage that pays for damage to other people’s property.
  2. Car Coverage – These include roadside assistance, collision, comprehensive, rental, and uninsured motorist property damage.
  3. Medical coverage – These include property injury personal injury protection, medical payments, and uninsured and underinsured motorist bodily injury.

Root offers the three most looked for coverages including liability, comprehensive and collision, which compose the “full coverage.”