Root Insurance is genuinely one of the most anti-consumer insurance experiences I’ve ever dealt with.
Paid on time. Never missed. Selected strong coverage because I specifically did not want cheap minimum insurance.
One accident later and suddenly they’re digging through technicalities to deny coverage and leave me financially destroyed while still expecting loan payments, insurance payments, and everything else to continue like normal.
The entire Carvana / Bridgecrest / Root ecosystem feels designed to get people into loans and collect payments — right up until you actually need the coverage you paid for.
Be very careful with Root. Read every single word of the policy and assume they will use every loophole possible against you the second something happens.
What’s even crazier is we’re now down to essentially one sticking point, and they’ve already acknowledged I was never directly asked whether I lived alone during the application process — yet somehow that is now being used against me after the fact.
This entire experience has been unbelievable.
Posted by StageOk8606
3 Comments
>suddenly they’re digging through technicalities to deny coverage
You’ve buried the lede here… Why was coverage denied?
Admittedly I don’t know a ton about these new insurtech carriers. I’ve mostly worked with big name carriers and mostly in claims. But every application I’ve seen it never says “do you live alone” it normally says “list all members of your household”
Technically this is why everyone should read their policy