Professional Documents
Culture Documents
root_policy_20231122
root_policy_20231122
80 E Rich Street
Suite 500
Columbus, OH 43215
support@joinroot.com
(866) 980-9431
Rental DECLINED
Premium: $0
Comprehensive DECLINED
Collision DECLINED
Premium: $0
Fees
Motor Vehicle Crime Prevention Authority Fee $2.50
New Business Policy Fee $50.00
Installment fee $8.00
Policy Changes
Endorsement
11/21/2023 11:12PM
Your payment includes a $2.50 fee per vehicle per term. This fee helps fund (1) auto burglary, theft, and fraud
prevention, (2) criminal justice efforts, and (3) trauma care and emergency medical services for victims of accidents due
to traffic offenses. By law, this fee funds the Motor Vehicle Crime Prevention Authority.
Policy documents
Your insurance policy and any policy endorsements contain a full explanation of your coverage. These are available for
review in your Root App or you may contact us for a copy. The policy contract is Form 1918 TX (02-2021). You’ll see the
form number at the bottom of the pages in your contract. The contract is modified by Form 1931, which you’ll find
included in your contract.
TEXAS
PERSONAL AUTO
INSURANCE POLICY
GIVE US NOTICE OF ANY VEHICLE ACCIDENT OR LOSS (and as further described in this policy as to your DUTIES).
CLAIMS SETTLEMENT 42
SETTLING FIRST PARTY CLAIMS 42
SETTLING LIABILITY CLAIMS 43
POLICY LIMITS 43
TWO OR MORE POLICIES OR INSUREDS 43
NON-DUPLICATION 43
POLICY TERMINATION 43
CANCELLATION 43
NON-RENEWAL 45
AUTOMATIC TERMINATION 45
OTHER TERMINATION TERMS 46
JOINT & INDIVIDUAL INTERESTS 46
CHANGE OF POLICY TERMS 46
CHANGE OF POLICY INTERESTS - TRANSFER OR ASSIGNMENT OF YOUR INTEREST 46
SPECIAL PROVISIONS 53
DEFINITIONS
This Definitions section defines many words and phrases used in the Policy. Defined words and phrases are shown in
bold face type.
The words, phrases and meanings set forth below apply:
1. When that word or phrase is used anywhere in the Policy; and
2. Even if the word or phrase is being used in the singular, plural, possessive or active or passive tense.
However, if a coverage Part of the Policy defines the same word or phrase, only the definition of the word or phrase
used in that coverage Part will apply in that Part.
Throughout this Policy:
We, us and our mean the insurance company shown on the declarations as being your personal auto insurer.
Actual cash value means the fair market value of stolen or damaged property immediately prior to the accident
or loss.
Auto means a private passenger type land motor vehicle that is a four-wheeled automobile, van, pick-up truck or sport
utility vehicle, or dual rear wheel six-wheeled pick-up truck.
Bodily injury means physical bodily harm to a person and sickness, disease or death that results from that bodily
harm.
Business means any job, profession, occupation, employment, trade, commercial or for-profit activity, no matter
whether or not any of these listed activities is full-time or part-time.
Business day means a day of the week other than a Saturday, Sunday, or holiday recognized by the State of Texas.
Cost to repair or replace means the amount, as determined by us, needed to:
1. Repair physical damage to return property to its pre-loss physical condition; or
2. Replace stolen or damaged property.
We will determine this amount based on one of the following methods (at our option):
1. The cost of repair or replacement as agreed upon by you and us;
2. A competitive bid approved by us; or
3. Our written estimate based upon the reasonable prevailing competitive price.
To determine the cost to repair or replace, you agree that parts and equipment of like kind and quality, as allowed by
law, may be new, reconditioned, remanufactured, or used, including, but not limited to:
1. Original equipment manufactured parts or equipment (OEM); and/or
2. Non-original equipment manufactured parts or equipment (after-market or non-OEM).
We may specify the use of parts and equipment that are not OEM (unless prohibited by law). Warranties applicable to
Crime means any act or omission that is a statutory criminal offense or violation of any state or federal penal code (in
the U.S.A.) no matter whether or not the person is arrested, charged and/or convicted. Crime includes, but is not
limited to, any state or federal felony (in the U.S.A.), and fleeing, eluding or evading law enforcement. Crime does not
include misdemeanor violations of the motor vehicle or traffic code.
Declarations means the most recently dated document from us, sent to the last address shown in our records for this
Policy, and that includes, but it not limited to, the following Policy information:
1. Insured autos;
2. Coverage(s), limits, deductibles and other Policy options selected;
3. Premium(s) to be paid;
4. Policy period and other Policy data; and
5. Our company and agent information.
Diminution in value means the perceived or real decrease in market or resale value of property due to an accident,
loss or repair. This includes, but is not limited to, the perceived or real decrease in market or resale value of property
because of alleged tangible or intangible taint or stigma related or due to an accident, loss or repair.
Insured auto means the auto(s) we have agreed to insure, as listed and described on the declarations and including a
newly acquired auto and a temporary substitute vehicle, but not if:
1. That auto is sold, assigned, gifted, title transferred or possession permanently transferred to a person or party
other than you; or
2. You have asked us to remove that auto from this Policy.
Minimum limits means the minimum amounts of liability insurance required to apply to an auto, or its owner or
operator, by the motor vehicle compulsory insurance or financial responsibility laws of the state in which you reside,
as shown in our records as the garaging address for an insured auto. The minimum limit amount is the per person/per
accident limits required by such laws.
If our records show the garaging address for the insured auto(s) is in the State of Texas, then the minimum limits for
this Policy (as the term is used throughout this Policy) are as follows:
1. [$30,000] for all compensatory damages due to all bodily injury to one person arising out of the covered use of
an auto or motor vehicle in any one accident;
2. [$60,000] for all compensatory damages due to all bodily injury to two or more persons arising out of the
covered use of an auto or motor vehicle in any one accident (still subject to the liability limit directly above for
one person); and
3. [$25,000] for the total of all property damages arising out of the covered use of an auto or motor vehicle in any
one accident;
unless amended by law to a different minimum limit which would then apply instead, as required by law.
These minimum per person/per accident limits will apply when the term minimum limits is used in this Policy, even if
the declarations shows a combined single limit (“CSL”).
Motor vehicle means a motorized self-propelled land vehicle that is designed for use on public roads.
Motor vehicle business means any business related to or involving motor vehicles or trailers including, but not limited to:
1. Selling, leasing or renting;
2. Repairing, servicing or delivering;
3. Loading or unloading;
4. Testing, road testing or test-driving;
5. Storing, parking or valet parking;
6. Towing; or
7. Washing, cleaning or detailing of;
any motor vehicle or trailer.
Named insured means the person(s) or entity set forth on the declarations as the policyholder or designated as “Named
Insured”. If the named insured is not a person, then there is no coverage under this Policy for any relative, spouse or registered
domestic or civil union partner.
Newly acquired auto means an auto newly owned by you during the Policy period, if it:
1. Replaces an insured auto; or
2. Is an added auto;
Nuclear event means and includes any nuclear exposure, reaction, radiation or radioactive contamination, no matter how
caused and/or as a consequence of any of these.
Original equipment manufactured and OEM mean parts, equipment or items produced and/or installed by:
1. The manufacturer of the vehicle; or
2. A vendor of the manufacturer of the vehicle that the manufacturer intends as part of the vehicle or a manufacturer’s
option when new.
Original equipment means equipment, devices or accessories that are permanently installed:
1. By the original factory manufacturer of the vehicle at the time of its original assembly or fabrication;
2. By the vehicle dealer as an original manufacturer new car option at the time of the vehicle’s original retail sale and
purchase; or
3. To replace an item in paragraph 1 or 2 above in this definition with equipment, devices or accessories with similar
function and value if such item is common to the use of an insured auto as a vehicle, and is not an item of custom
equipment (as that term is defined in Part D).
Own or owner means to have or hold (or the person or entity who has or holds):
Permanently installed means a part or item is attached by bolts, brackets, screws, paint, adhesive, welding or other means so
that it cannot be unattached without the use of tools or chemicals.
Personal vehicle sharing program, also referred to as a peer-to-peer car sharing program, means a legal entity engaged in the
business of, or any other for-profit activity related to, facilitating the sharing of motor vehicles for use by individuals by
connecting vehicle owners or drivers with passengers through the use of prearranged vehicle sharing services by using an
online-enabled or digital application, software, website, system or platform.
Pollutants or hazardous materials means any solid, liquid, gaseous or thermal substance, irritant or contaminant. This
includes, but is not limited to:
1. Smoke, vapor, soot, fumes, acids, alkalis, toxic chemicals, asbestos, lead;
2. Explosive or flammable substances;
3. Any waste material or product (this includes, but is not limited to, materials that may be recycled, reconditioned, or
reclaimed, whether or not known to result in environmental damage);
4. Any harmful biological, pathogenic, poisonous or toxic chemical, liquid, gas or substance; and
5. Pollutants as defined by any law of the United States of America.
Pollutants or hazardous materials does not include:
1. Cleaning products, but only when in amounts for ordinary household use and transported in the original product
container.
2. Products and fluids intended for, and normal to, the use of a motor vehicle, but only when used in the proper and
intended scope of the vehicle’s normal use.
3. Fuel for a motorized vehicle or lawn and yard equipment, but only when being safely transported in a federally approved
container.
Punitive or exemplary damages means all damages (other than compensatory damages) awarded to:
1. Punish or deter conduct; and/or
2. Fine, penalize or impose a statutory penalty due to conduct;
or due to conduct that is malicious, grossly negligent, wanton, willful, fraudulent or unlawful.
This includes, but is not limited to, any:
1. Damages that have been defined by law as punitive damages or exemplary damages (for example, double, treble or
statutory multiple damages); and
2. Costs, attorney fees, other fees or interest awarded because of such damages.
Racing or performance driving means when using, whether as a driver or passenger, an auto, motor vehicle or any other
vehicle to participate in or practice or prepare for any speed contest, race, stunt, demolition, competition, demonstration,
sport rally, exhibition or activity, or timed contest.
Registered domestic or civil union partner means a person who resides primarily with the named insured and is legally
recognized as a domestic partner or civil union partner of that named insured as registered under a domestic partner or civil
union law.
Relative means a person related to you by blood, marriage or adoption, including your ward or foster child, who primarily
resides in your household. A relative includes your unmarried and dependent child who has resided in your household but is
temporarily away from your household attending school or in military service who intends to continue to primarily reside in
your household except while attending school or in military service.
Spouse means the person lawfully married to and who resides with the named insured.
Trailer means a non-motorized device designed to be towed by an auto on public roads. This does not include any trailer:
1. Being used as a residence or premises;
2. Used for office, store, commercial or business purposes; or
3. Used to carry or transport persons.
Transportation network company (“TNC”) means an organization or entity, that includes, but is not limited to, a corporation,
limited liability company, partnership, sole proprietor, or any other entity, that provides prearranged transportation services
for compensation using an online-enabled or digital application, software, website, system or platform. The transportation
type services this definition applies to, without limitation, and includes any transport or delivery of persons.
Uncollectible instrument and not honored upon presentment, means a bank or other financial institution does not honor, or
does not recognize, a form of payment. This includes, though is not limited to, a payment where:
1. A check is dishonored or refused due to insufficient funds;
2. A check or transfer is drawn from empty or closed accounts;
3. There is an invalid credit or debit card;
4. Credit card charges are dishonored or refused by the issuing financial institution; or
5. Funds transferred via any electronic means or method are refused, dishonored or rejected;
all of which are deemed nonpayment of premium.
War means and includes war (declared or not), civil war, insurrection, rebellion, revolution or any act by a government force
to respond to or defend against war or threat of attack.
INSURING AGREEMENT
If the premium for Bodily Injury Liability Coverage and/or Property Damage Liability Coverage has been paid when due, that
coverage(s) shown on the declarations will apply under this Policy and is subject to all Policy terms.
We will pay for:
1. Compensatory damages, subject to the Limits of Liability, that an insured is legally liable for because of:
a. bodily injury to others; and/or
b. property damage (including property damage to a temporary vehicle);
caused by or resulting from an accident that arises out of the ownership, maintenance or use of an auto or vehicle for
which that insured is covered by the terms of this Liability Coverage; and
2. Costs incurred to settle and defend a claim or suit brought against an insured. We will investigate, negotiate and settle or
defend with counsel selected, hired and paid by us. Any payment(s) for defense costs does not to reduce the limit of
liability for the applicable coverage shown on the declarations.
Our duty to settle or defend when our limit of liability has been:
a. exhausted by payment or judgments or settlements; or
b. deposited into a court with jurisdiction.
We have no duty to defend, settle, pay or investigate any claim, lawsuit or judgment not covered under the terms this Policy.
Subject to the Limits of Liability, compensatory damages to which this Liability Coverage applies includes prejudgment interest
awarded against an insured.
SUPPLEMENTAL PAYMENTS
If Bodily Injury Liability Coverage and/or Property Damage Liability Coverage apply to cover damages that arise from an
accident, we also will pay to or on behalf of an insured:
1. Court costs of any suit for damages.
2. Post- judgment interest on all compensatory damages owed by an insured as the result of a judgment until we pay, offer
or deposit in court the amount due under this coverage. We have no duty to make any interest payment if we have not
been given both:
a. notice of suit; and
b. the chance to defend an insured.
3. Premiums or costs for the purchase of bonds:
a. to secure the release of an insured's property attached under a court order in any lawsuit we defend, up to our limit
of liability for the face amount of the bond.
b. required to appeal a decision in a suit for damages that we are defending.
We have no duty to:
a. apply for, furnish, or secure any bonds; or
b. pay premiums for or the cost of any bond in an amount that is greater than our limit of liability.
4. Expenses incurred by an insured at our request. We must be given written proof (that can be verified) of the expenses
incurred.
Additional named insured means a trust that holds legal title to an insured auto and has been designated by you as an
additional named insured as shown on the declarations.
Insured means:
1. You, relatives, and other rated drivers for the:
a. ownership, maintenance or use of an insured auto or a newly acquired auto.
b. use or operation of a non-owned auto with permission from its owner.
c. use or operation of a temporary vehicle with permission from its owner or the repair facility providing that
temporary vehicle. This also includes a licensed driver who resides in the named insured’s household and who uses a
temporary vehicle with permission from its owner or the repair facility providing that temporary vehicle.
d. use of a trailer while it is being towed by any of these autos or a temporary vehicle.
2. Any other person for the use or operation of an insured auto or a newly acquired auto, with express or implied
permission from you or the person with lawful possession of the vehicle, if that use is within the scope of that permission.
3. For the use of an insured auto, any person, organization or additional named insured that has no other applicable
insurance, but only as to legal liability for acts or omissions of a person who is an insured in clause 1 or 2 above for whom
coverage is afforded under this Liability Coverage. This does not increase our limit of liability, and ends when liability of a
person who is an insured in clause 1 or 2 above has been exhausted.
However, insured does not include:
1. You, relatives, other rated drivers or any other person while any such person is using a motor vehicle other than an
insured auto if that motor vehicle is:
a. owned by;
b. registered to; or
c. furnished or available for the regular or frequent use of;
you, a relative or a rated driver.
Repair facility means a person who rebuilds, repairs, or services a motor vehicle for consideration or under a warranty,
service, or maintenance contract.
LIMITS OF LIABILITY
If purchased, the limit(s) of liability for Bodily Injury Liability Coverage and/or Property Damage Liability Coverage are shown
on the declarations and are subject to the following:
1. For any one covered accident, the limit that applies is the most we will pay no matter the number of:
a. insureds, heirs, survivors or wrongful death beneficiaries;
b. vehicles and/or trailers involved in the accident;
c. claims made;
d. lawsuits filed;
e. autos, trailers, or vehicles covered or shown on the declarations;
f. premiums paid; or
g. policies issued by us to you.
2. Split Limit Liability Coverage
If you bought Liability Coverage with a split limit that sets forth separate limits for Bodily Injury Liability Coverage and
Property Damage Liability Coverage, then for your Liability Coverage:
a. The Bodily Injury limit of liability shown on the declarations that applies “Per Person” is the most we will pay for all
covered damages due to bodily injury sustained by any one person in any one accident.
b. Subject to the limit of liability that applies “Per Person”, the Bodily Injury limit of liability shown on the declarations
that applies “Per Accident” is the most we will pay for all covered damages due to bodily injury sustained by two or
more persons in any one accident. Without changing this “Per Accident” limit, we will apply that limit to provide any
separate “per person” limit required by law for bodily injury liability.
c. The Property Damage limit of liability shown on the declarations is the most we will pay for all covered damages due
to property damage sustained in any one accident.
d. The limit that applies “Per Person” includes all claims, causes of action and lawsuits of others that related to or derive
from the bodily injury of the injured person. When allowed by law, this limit includes, but is not limited to, all claims
and lawsuits for:
(1) Emotional distress or mental anguish as a result of seeing the accident.
(2) Loss of: society, companionship, services, support and/or consortium.
(3) Wrongful death.
3. The limit is not increased in any way if there is a covered accident that involves a trailer attached to and being towed by
an auto or temporary vehicle.
4. If any exclusion, limit of liability or other limitation in this policy is deemed by a court of law with proper jurisdiction to be
in violation of the compulsory insurance or financial responsibility laws of the state where you reside, that exclusion or
limitation shall remain in effect and apply to all damages in excess of the minimum limits required under that compulsory
insurance or financial responsibility law.
OUT-OF-STATE COVERAGE
If an accident covered under this Policy occurs in any state, territory or province within the Policy Territory but other than the
one in which an insured auto is principally garaged (as shown in our records), and that other state, territory or province has a
financial responsibility, compulsory or mandatory insurance or other similar law that requires all owners or operators of an
auto to have:
Funeral expenses means fees, costs or charges incurred or required to be paid for services directly related to the funeral,
burial, cremation and/or internment of the remains of an insured who has died as a result of bodily injury sustained by that
insured as a result of a motor vehicle accident covered by this Part B-I.
Income loss means eighty percent (80%) of actual income lost by the injured insured as the result of a motor vehicle accident
covered by this Part B-I, subject to the following:
1. At the time of the accident, the insured must be:
a. an income or wage producer; or
b. in an occupational status.
2. No more than eighty percent (80%) of income lost from employment, work or other remunerative occupation by an
injured insured as a result of the accident will be paid under this Part, subject to all other limits.
3. Income loss is the difference between the:
a. income that would have been earned if the insured had not been injured; and
b. amount of income actually received from the injured insured’s employment, work or remunerative occupation during
the period of disability.
4. To determine income amounts, one of the following methods will be used:
a. if the income being earned as of the date of the accident is a salary or fixed remuneration, it shall be used in
determining the amount of income which would have been earned; or
b. the average monthly income earned during the twelve (12) month period preceding the accident will be used.
Income loss benefits do not apply after the death of the injured insured.
Insured means:
1. You, relatives and rated drivers:
a. while operating or occupying an auto or motor vehicle designed for use mainly on public roads; or
b. when as a pedestrian is struck or injured by any auto or motor vehicle designed for use mainly on public roads or a
trailer of any type.
2. Any other person while lawfully operating or occupying an insured auto or a newly acquired auto, including a guest
occupant, if doing so with permission from you.
Insured does not include you, relatives or any other person while any such person is using a motor vehicle (other than an
insured auto or a newly acquired auto) if that motor vehicle is:
1. owned by;
2. registered to; or
3. furnished or available for the regular or frequent use of;
you or a relative.
Loss of essential services means necessary and reasonable expenses incurred for essential services ordinarily performed,
without pay, by the injured insured for the care and maintenance of the family or family household.
Loss of essential services benefits:
1. Apply only in the case of an insured who was not an income or wage producer, or not in an occupation status, at the time
Medical expenses mean reasonable fees, costs or charges incurred or required to be paid for necessary medical treatment,
services, procedures and products provided or prescribed by a licensed health care provider, and within the proper scope of
that provider’s practice, including:
1. Ambulance, hospital, surgical, medical, dental, x-ray, professional nursing, chiropractic, and pharmaceutical services;
2. Physical, occupational, and vocational therapy and rehabilitation;
3. Speech and hearing therapy and rehabilitation; and
4. Medications, prosthetic and orthopedic devices, eyeglasses, hearing aids, and other medical products and supplies.
Medical expenses do not include any fees, costs or charges for:
1. Services that are not necessary for treatment or care of the bodily injury sustained in the accident.
2. Massage therapy not prescribed by a licensed doctor or chiropractor.
3. Treatment, services, procedures and products that are experimental or for research, or not commonly recognized in the
medical profession as a customary treatment for the bodily injury.
EXCLUSIONS
THERE IS NO COVERAGE UNDER PART B-I FOR BODILY INJURY SUSTAINED BY ANY PERSON:
1. If that person’s own conduct contributed to the bodily injury sustained by that person and:
a. was caused intentionally by that person; or
b. occurred while committing a felony or while seeking to elude lawful apprehension or arrest by a law enforcement
official.
2. While occupying or through being struck by any motor vehicle (other than an insured auto that is insured for this coverage
or a newly acquired auto) owned by, or furnished or available for the regular use of, you or a relative.
3. While occupying the insured auto
while you or a relative is a driver of an auto, motor vehicle or trailer and is logged on to a transportation network
company’s digital network as a transportation network company driver or is engaged in a prearranged drive as
described in Chapter 1954 of the Texas Insurance Code.
LIMITS OF LIABILITY
The limit of liability for Personal Injury Protection Coverage (PIP) for any one insured injured in any one accident and is subject
to the following:
1. For any one insured injured in any one covered accident, the limit that applies is the most we will pay no matter the
number of:
a. insureds, heirs, survivors or wrongful death beneficiaries;
b. vehicles and/or trailers involved in the accident;
c. claims made;
d. lawsuits filed;
e. autos, trailers, or vehicles covered or shown on the declarations; or
f. premiums paid.
2. The limit is not increased in any way if there is a covered accident that involves a trailer attached to and being towed by
an auto or motor vehicle.
ASSIGNMENT OF BENEFITS
If the insured gives us a written and signed assignment of benefits for medical expenses that are payable under this coverage:
1. We will pay for those medical expenses directly to the health care provider; and
2. If we do this, we have no further obligation to pay those same benefits to an insured or to any other person or party.
Funeral expenses means fees, costs or charges incurred or required to be paid for services directly related to the funeral,
burial, cremation and/or internment of the remains of an insured who has died as a result of bodily injury sustained by that
insured as a result of a motor vehicle accident covered by this Part B-II.
Insured means:
1. You, relatives and rated drivers:
a. While operating or occupying; or
b. When as a pedestrian is struck by;
any auto or motor vehicle designed for use mainly on public roads; and
2. Any other person while occupying an insured auto with permission from you.
Insured does not include:
1. You, relatives or any other person while any such person is using a motor vehicle other than an insured auto if that
motor vehicle is:
a. owned by;
b. registered to; or
Medical expenses mean reasonable fees, costs or charges incurred or required to be paid for necessary medical treatment,
services, procedures and products provided or prescribed by a licensed health care provider, and within the proper scope of
that provider’s practice, including:
1. Ambulance, hospital, surgical, medical, dental, x-ray, professional nursing, chiropractic, and pharmaceutical services;
2. Physical, occupational, and vocational therapy and rehabilitation;
3. Speech and hearing therapy and rehabilitation; and
4. Medications, prosthetic and orthopedic devices, eyeglasses, hearing aids, and other medical products and supplies.
Medical expenses do not include any fees, costs or charges for:
1. Services that are not necessary for treatment or care of the bodily injury sustained in the accident.
2. Massage therapy not prescribed by a licensed doctor or chiropractor.
3. Treatment, services, procedures and products that are experimental or for research, or not commonly recognized in the
medical profession as a customary treatment for the bodily injury.
Usual and customary charge means the fees, costs or charges we determine that represents a common and typical charge for
services in the geographical area in which the service is rendered. We may determine the usual and customary charge by
using independent sources of our choice.
EXCLUSIONS
THERE IS NO COVERAGE UNDER PART B-II FOR BODILY INJURY:
1. Caused and sustained by an insured due to the intentional act of that insured or at the direction of that insured.
2. To the extent worker’s compensation benefits are required to be paid or are payable.
3. Sustained while using or occupying any motorcycle, moped or any other similar motorized vehicle which has less than
four (4) wheels.
4. Sustained while occupying or using a vehicle without permission to do so from the owner of the vehicle. This does not
apply to you, relatives or rated drivers when occupying an insured auto insured for this coverage or a newly acquired
auto.
5. Sustained while occupying or using an insured auto or a newly acquired auto when that auto is:
a. rented, leased, sub-leased, or given by you, a relative or a rated driver to anyone in exchange for payment or any
form of compensation or value or reimbursement, though this does not apply if you or a relative lend that auto to
another person for reimbursement of operating expenses only;
b. entrusted to another person or party for the purpose of subleasing, leasing, renting or selling and is no longer in the
possession of you, a relative or a rated driver; or
c. subject to any conditional sale or purchase agreement not declared in this Policy.
This does not apply to you, a relative or a rated driver using or operating an insured auto.
6. That results from pollutants or hazardous materials being transported by an insured.
7. That results from war or any nuclear event.
8. That results from the ownership, operation, or use of any type of auto, motor vehicle or trailer:
a. as a public or livery conveyance; or
b. for any transport or delivery of persons, property, food or goods for compensation or a fee, or in the course of any
similar for-profit activity. For example, this exclusion applies, but it not limited to:
(1) the pickup, carrying and drop off of persons, property, food or goods;
(2) any transport or delivery of food, packages, parcels or other property.
LIMITS OF LIABILITY
If purchased, the limit of liability for Medical Payments Coverage is shown on the declarations for any one insured and is
subject to the following:
This “Other Insurance or Coverage” clause does not create, expand or imply any coverage that does not already exist under
the terms of this Policy.
MEDICAL EXPENSE REVIEW
To determine if medical expenses are reasonable and necessary for both the diagnosis and treatment of the insured’s bodily
injury, we have the right to:
1. Review each medical expense and other expenses; and
2. Pay only those expenses that are found by us to be covered, reasonable and necessary. The insured will not be
responsible for payment of any reduction applied by us. If a medical provider disputes an amount paid by us, we will be
responsible for resolving such disputes.
Our review may include the use independent sources of information and services of our choice. This includes, but is not
limited to:
1. Physical exams performed by state licensed health care providers we select and pay for, as often as we reasonably
request;
2. Review of medical files reasonably related to the loss, including, but not limited to, records, reports, notes, clinical
observations, and test results, all of which the insured must make available to us;
3. Published sources of medical expense information and fee schedules;
ASSIGNMENT OF BENEFITS
If the insured gives us a written and signed assignment of benefits for medical expenses that are payable under this coverage:
1. We will pay for those medical expenses directly to the health care provider; and
2. If we do this, we have no further obligation to pay those same benefits to an insured or to any other person or party.
Insured means:
1. You, relatives and rated drivers.
2. Any other person for the use or operation of an insured auto or a newly acquired auto, with express or implied
permission from you or the person with lawful possession of the vehicle, if that use is within the scope of that permission.
3. Any person who is entitled to recover damages covered by this Part C because of bodily injury sustained by a person
described in this definition directly above.
However, insured does not include:
1. You, relatives, other rated drivers or any other person while any such person is occupying or using a motorized vehicle or
device (other than an insured auto or a newly acquired auto for which Part C applies as shown on the declarations) if
that vehicle or device is:
a. owned by;
b. registered in the name of; or
c. furnished or available for the regular or frequent use of;
you or a relative.
Underinsured motor vehicle means a motor vehicle to which one or more liability bond or policies applies at the time of the
accident, but the sum of the limits of liability for liability coverage:
1. Is not enough to pay the full amount the insured is legally entitled to recover for compensatory damages for bodily injury
or property damage; or
2. Has been reduced by payment of claims to other persons injured in the accident to an amount which is not enough to pay
the full amount the insured is legally entitled to recover for compensatory damages for bodily injury or property damage.
An underinsured motor vehicle does not include any vehicle or equipment:
1. Shown on the declarations or covered under the Liability Coverage on this Policy;
2. Owned by, furnished to or available for the regular use of you or a relative;
3. Designed for use mainly off public roads except while on public roads;
4. Operated on rails or crawler treads;
If there is a dispute about whether a vehicle is an underinsured motor vehicle, the burden of proof is on us.
EXCLUSIONS
THERE IS NO COVERAGE UNDER PART C:
1. For bodily injury sustained by an insured or property damage, or both, resulting from the intentional acts of the insured.
2. To the extent worker’s compensation benefits are required to be paid or are payable.
LIMITS OF LIABILITY
If purchased, the limit(s) of liability for Uninsured / Underinsured Motorist Coverage are shown on the declarations and are
subject to the following:
1. For any one covered accident, the limit that applies is the most we will pay no matter the number of:
a. insureds, heirs, survivors or wrongful death beneficiaries;
b. vehicles and/or trailers involved in the accident;
c. claims made;
d. lawsuits filed;
e. autos, trailers, or vehicles covered or shown on the declarations;
f. premiums paid; or
g. policies issued by us to you.
2. Split Limit UM/UIM Coverage
If you bought coverage with a split limit that sets forth separate limits for bodily injury and property damage, then for
your UM/UIM Coverage:
a. The limit of liability shown on the declarations that applies “Per Person” is the most we will pay for all covered
damages due to bodily injury sustained by any one person in any one accident.
b. Subject to the limit of liability that applies “Per Person”, the limit of liability shown on the declarations “Per Accident”
is the most we will pay for all covered damages due to bodily injury sustained by two or more persons in any one
accident. Without changing this “Per Accident” limit, we will apply that limit to provide any separate “per person”
limit required by law for bodily injury liability.
c. The limit that applies “Per Person” includes all claims, causes of action and lawsuits of others that relate to or derive
from the bodily injury of the injured person. When allowed by law, this limit includes, but is not limited to, all claims
and lawsuits for:
(1) Emotional distress or mental anguish as a result of seeing the accident.
(2) Loss of: society, companionship, services, support and/or consortium.
(3) Wrongful death.
d. The limit of liability shown on the declarations for UM/UIM “property damage” or “PD” is the most we will pay under
Part C for all covered damages due to property damage sustained in any one accident, and also subject to the
following:
(1) our payment will not include, and you are responsible for (when applicable), the amount of:
(a) the Texas statutory UM / UIM PD deductible of $250.
(b) the salvage value if you or the owner retains salvage.
(2) PERMISSION TO RELEASE VEHICLE: This Policy allows us to act as your agent to move the insured auto (or a newly
Comprehensive means all perils other than loss caused by collision, impact with any object or person, or overturning or upset.
A comprehensive type loss is caused by but not limited to:
1. Missiles;
2. Falling or thrown objects;
3. Fire or explosion (unless caused by a collision);
4. Theft or larceny;
5. Earthquake;
6. Windstorm or hail;
7. Water or flood;
8. Vandalism or malicious mischief;
9. Riot or civil commotion;
10. Contact with bird or animal; or
11. Breakage of glass (unless caused by a collision).
Custom equipment means equipment, parts, devices, accessories, enhancements and/or changes to an auto or vehicle that:
1. Are not original equipment;
2. Add to, or alter, performance, function or appearance; and
3. Are permanently installed.
Custom equipment includes, but is not limited to:
1. Additional or customized furnishings or equipment such as:
a. custom wheels, seats, paint, decals, graphics, striping, chrome and/or murals;
Loss means sudden and direct physical damage. Loss does not mean or include any diminution in value.
Windshield is the front window glass panel of an auto. A windshield does not include side, roof or back windows.
RENTAL REIMBURSEMENT
If Rental Reimbursement coverage is shown for an insured auto on the declarations, we will pay the rental charges, up to the
daily (per day) limit shown for this coverage on the declarations, for up to thirty (30) days, for a temporary substitute auto
rented from an auto rental agency or auto repair shop while that insured auto or a newly acquired auto is inoperable or
being repaired due to a covered comprehensive loss or collision loss.
“Rental charges” as used in this Rental Reimbursement option are limited to:
1. The daily rental rate;
2. Mileage charges; and
3. Related taxes; and
does not include any insurance, tolls, fuel, GPS, car seats or other optional equipment or accessories offered or available with
the temporary substitute auto.
The Rental Reimbursement coverage:
1. Begins:
a. when an insured auto or a newly acquired auto is inoperable due to a loss covered under Comprehensive Coverage
or Collision Coverage; or
b. if an insured auto or a newly acquired auto can run, when you leave an insured auto at the shop for agreed repairs;
and
EXCLUSIONS
THERE IS NO COVERAGE UNDER PART D OF ANY KIND, FOR OR RELATED TO:
1. Loss or damage to any type or sort of auto or trailer when that loss or damage:
a. is caused intentionally by or at the direction of you, a relative or a rated driver, or the owner of the property; or
b. should be reasonably expected to result from an intentional act by you, a relative or a rated driver, even if the loss
that results is not of the same kind or degree that was intended to be caused.
This exclusion does not apply to an innocent co-insured’s legal interest in property if the:
a. innocent co-insured did not cooperate in or contribute to the cause of the loss;
b. loss arose out of an act of domestic violence or abuse; and
c. person who caused the loss is criminally prosecuted for the act causing the loss.
2. Loss or damage to any type or sort of auto:
a. due and related only to:
(1) rust or corrosion;
(2) wear and tear;
(3) deterioration,
(4) freezing;
(5) wet or dry rot;
(6) mechanical or electrical breakdown; or
(7) road damage to tires. This exclusion does not apply:
(a) if the damage results from a total theft to which Comprehensive Coverage under this Policy applies.
(b) to damage to tires covered by Emergency Road Service Coverage (if purchased).
b. due and related only to:
(1) prior loss or damage;
(2) the lack of routine and/or proper maintenance; or
(3) manufacturer's defects or faulty materials or parts.
3. Loss or damage while the auto is being used:
a. as a public or livery conveyance.
b. for any transport or delivery of persons, property, food or goods for compensation or a fee, or in the course of any
similar for-profit activity. For example, this exclusion applies, but it not limited to:
(1) the pickup, carrying and drop off of persons, property, food or goods;
LIMITS OF LIABILITY
The limit of our liability for any covered loss shall not be more than the lowest of the:
1. Actual cash value of the damaged or stolen property at the time of the loss; or
2. Cost to repair or replace.
The limit of our liability for a covered loss to custom equipment will not be more than $1,000. Coverage for custom
equipment will not cause our limit of liability for the loss to be increased to an amount greater than the actual cash value of
the auto, including all its custom equipment.
Our payment for any loss will not include, and you are responsible for, the amount of:
1. Any deductible that applies as shown on the declarations. However, if the loss:
a. is to more than one auto or trailer covered by this Part D resulting from the same collision, only the highest
applicable deductible will apply.
b. is the result of more than one accident or loss, a separate deductible shall apply to each accident or loss.
2. Depreciation and betterment if the repair or replacement results in better property or in a better part because you or a
relative have failed to:
a. repair or replace damaged property or parts after a prior loss (i.e., prior unrepaired damage) unless the same labor,
parts, and materials would be used for the current loss; or
b. properly maintain that property.
Adjustment and reductions from payment by us related to depreciation and betterment will be with regard to:
a. market value;
b. the useful life of a part; or
c. improvement of the condition of the auto considering wear and tear and damage that existed prior to the loss that
had not been repaired.
Our adjustment to the amount payable by us due to betterment or depreciation on parts replaced includes, but is not
limited to:
1. Any coverage we provide on or with respect to a temporary substitute auto is excess to all other insurance and self-
insurance except where we are required by statute to provide this coverage to such vehicle on a primary basis.
2. For any loss or property damage to which both collision coverage, under this Policy or any other policy, and any UM/UIM
PD coverage apply in any one accident, you are entitled to:
NO BENEFIT TO BAILEE
This Policy, and the coverages under it, shall not directly or indirectly benefit any carrier or other bailee for hire.
CLAIMS SETTLEMENT
1. When making a claim, any person or party seeking coverage from this Policy (or any such person’s or party’s legal
representative) must:
a. cooperate and comply with all applicable notice requirements, duties and terms set forth in this Policy; and
b. assist us to settle any and all claims.
2. To adjust claims and determine amounts to be paid under this Policy, we may use:
a. estimating, appraisal or injury evaluation records, systems or tools;
b. records, systems or tools that may be developed by us or by third parties; and/or
c. information that may include and come from, but is not limited to, published resources, medical fee schedules,
and/or computer software, databases, and specialized technology.
POLICY LIMITS
TWO OR MORE POLICIES OR INSUREDS
If this Policy and any other auto or motor vehicle insurance policy issued to you by us apply to the same accident, damage or
loss:
1. Our limit of liability under all those policies shall not exceed the highest limit of liability for the coverage that applies
under any one of those policies.
2. The limit of liability may not be added, combined or stacked with similar coverage under any other auto or motor vehicle
policy issued by us (or any insurers that have common ownership or affiliation with us) to you.
Our limit of liability under this Policy is not increased in any way if more than one person or party is shown as the named
insured on the declarations
NON-DUPLICATION
No person or party is entitled to receive duplicate payments from us for the same elements of damages, expense or loss
already paid or to be payable:
1. Under any coverage or Part of this Policy; or
2. By any other insurance (whether or not issued by us, any insurers that have common ownership or affiliation with us or
any other insurer) or any other source of recovery.
CANCELLATION
Cancellation or cancel means the Policy will end or be terminated during the current Policy period and before the end of the
Policy period as follows:
1. CANCELLATION BY NAMED INSURED
A named insured shown on the declarations may decide to cancel this Policy during the Policy period. To be effective, this
shall be done by:
This policy will end at the earliest effective date and time shown in any cancel notice.
d. We will not cancel this Policy because the named insured is an elected official.
3. RETURN OF PREMIUM UPON CANCELLATION
If this Policy is cancelled, any unearned premium will be:
a. refunded and calculated on a pro rata daily basis; and
b. returned to the named insured within a reasonable period of time.
NON-RENEWAL
Non-renewal means the Policy will not be continued or renewed at and after the end of the current Policy period as follows:
1. NON-RENEWAL BY NAMED INSURED
If we offer to renew the Policy and we do not receive that premium payment to renew when due:
a. that nonpayment is deemed the named insured’s rejection of our offer to renew the policy; and
b. named insured agrees that the Policy will expire and lapse under its own terms by automatically ending at the end of
the current Policy period.
2. NON-RENEWAL BY US
We may decide not to renew or continue this Policy at the end of any twelve (12) month annual anniversary date of the
original effective date of the Policy for any reason allowed by law. If we decide not to renew or continue this Policy at the
end of any such Policy period:
a. we will send notice to the first named insured shown on the declarations at the last address shown in our records;
and
b. notice will be sent at least thirty (30) days before the end of the Policy period.
However, we will not refuse to renew or continue this Policy on the sole basis of any one of the following reasons:
a. the named insured being an elected official;
b. the age of any person covered by the Policy;
c. claims that involve damage from a weather-related incident that do not involve a collision, including, but not limited
to, hail, flood, tornado, winds, or hurricanes;
d. accidents or claims for damage caused by contact with animals or fowls;
e. accidents or claims for damage caused by flying gravel, missiles, or falling objects, except that upon renewal we may
increase the deductible to the higher of $250 or the next higher available deductible increment in the event of three
(3) losses in any thirty-six (36) month period;
f. claims for towing and labor, except that we may remove any towing and labor coverage or Roadside Assistance
Coverage from your Policy in the event of four (4) such claims in any thirty-six (36) month period or any other greater
amount as set forth under the coverage; or
g. any other accidents or claims in which an insured cannot reasonably be considered to be at- fault, unless there are
two (2) or more such accidents or claims in any twelve (12) month period.
AUTOMATIC TERMINATION
The Cancellation and Nonrenewal terms of this Policy do not apply if:
1. You reject our offer to renew or continue this Policy by not paying the required renewal or continuation premium when
due. In this case, you have allowed the Policy to expire and lapse under its own terms so that it automatically ends at the
end of the current Policy period.
2. An insurable interest no longer exists in the property insured. This occurs when a person or party, other than you, a relative
or a rated driver, becomes the owner of an insured auto. In this case, coverage for that auto will end at the earlier of the
time the:
POLICY CHANGES
JOINT & INDIVIDUAL INTERESTS
When there are two or more named insureds shown on the declarations, one (1) named insured acts for all named insureds
to change or end the Policy. The action of one (1) named insured is binding on all persons and parties under this Policy.
PREMIUM PAYMENT
As to payment of premium for this Policy:
PROOF OF NOTICE
Proof that we have sent notice is done as follows:
1. Any proof of:
a. mailing notice; or
b. sending or delivering notice;
whether shown by post, electronically or otherwise, shall be sufficient proof of notice, except when state law requires
otherwise.
2. If and when allowed by law:
a. we may send or deliver, by way of electronic devices or other methods, any notice instead of mailing it.
b. sufficient proof of notice includes, but is not limited to, proof of:
(1) mailing, which means evidence that a notice or paper has been presented to the United States Postal Service for
mailing, which may be shown by use of:
(a) any form of certificate of mailing or certificate of bulk mailing issued by the United States Postal Service;
(b) intelligent mail barcode or another similar tracking method used and approved by the United States Postal
Service; or
(c) other credible proof of mailing or sending of actual notice.
(2) delivery directly to you, including delivery via e-mail, phone text, fax or any type of electronic device.
ELECTRONIC TRANSACTION OF INSURANCE
When allowed by law and agreed to by you and us, you and we agree that electronic signatures, notices and forms:
1. May be used to transact this insurance;
2. Will satisfy any legal or other requirement for written signatures, notices or forms; and
3. Shall include, but are not limited to, any assent, acceptance, agreement, election, selection, rejection, notice or form done
as a recorded telephonic signature or assent or sent via e-mail, internet, text message or fax.
When a law requires a signature on any form or document, or letter or document to be notarized, verified or acknowledged or
made under oath, the electronic signatures will satisfy this requirement if the signature of the person authorized to perform
the service of notarizing, verification, or acknowledgment is attached or logically associated with the signature or electronic
signatures of record.
This policy is issued subject to the constitution and bylaws and all amendments hereto of the company, which shall form a
part of the policy.
MUTUALS – MEMBERSHIP AND VOTING NOTICE – The insured is notified that by virtue of this policy, he is a member of the
Redpoint County Mutual Insurance Company and is entitled to vote either in person or by proxy at any and all meetings of
said Company. The Annual Meetings are held in its Home Office in Austin, Texas, on the first Tuesday of March in each year,
at 10:00 o’clock A.M.
MUTUALS – PARTICIPATION CLAUSE WITHOUT CONTINGIENT LIABILITY – No Contingent Liability: This policy is non-
assessable. The policy holder is a member of the Company and shall participate, to the extent and upon the conditions fixed
and determined by the Board of Directors in accordance with the provisions of the law, in the distribution of dividends so
fixed and determined.
In Witness Whereof, the Company has caused this policy to be executed and attested.
________________________________________
Christopher A. McClellan, President & Secretary
You may call our toll-free telephone number Usted puede llamar al numero de telefono
for information or to make a complaint at: gratis para informacion o para someter una
queja al:
866-980-9431 866-980-9431
You may contact the Texas Department of Puede comunicarse con el Departamento
Insurance to obtain information on de Seguros de Texas para obtener
companies, coverages, rights or complaints informacion acerca de companias,
at: coberturas, derechos o quejas al:
1-800-252-3439 1-800-252-3439
You may write the Texas Department of Puede escribir al Departamento de Seguros
Insurance: de Texas:
Phone: 1-800-252-3439
Email: ConsumerProtection@tdi.texas.gov
Website: www.tdi.texas.gov/consumer
Mail: Consumer Protection MC 111-1A
P.O. Box 149091
Austin, TX 78714-9101
• To learn more about insurance, visit www.opic.texas.gov or call the Office of Public Insurance Counsel
(OPIC) at 1-877-611-6742.
AVISO: Este documento es un resumen de sus derechos como asegurado. Tiene derecho a llamar a su
compañía de seguros y obtener una copia de estos derechos en español. Además, puede ser que su compañía
de seguros tenga disponible una versión de su póliza en español.
What You Should Know about Renewal, Cancellation, and Nonrenewal ............................. 4
14. Offer of uninsured/underinsured motorist and personal injury protection coverages ..................................... 5
15. Insurance company cancellation of personal automobile policies .................................................................. 5
16. Notice of cancellation ...................................................................................................................................... 5
17. Your right to cancel ......................................................................................................................................... 5
18. Refund of premium ......................................................................................................................................... 5
19. Limits on using claims history to change premium ......................................................................................... 5
20. Timing of nonrenewal. ..................................................................................................................................... 5
21. Notice of nonrenewal. ..................................................................................................................................... 6
22. Not-at-fault claims ........................................................................................................................................... 6
23. Limit on using credit information to nonrenew your policy. .......................................................................... 6
24. Limit on using age to nonrenew your policy ................................................................................................... 6
25. Protections from discrimination ...................................................................................................................... 6
26. Right to ask questions...................................................................................................................................... 6
27. Notice of a “material change” to your policy .................................................................................................. 6
28. Written explanation of cancellation or nonrenewal ........................................................................................ 7
2. Your declarations page. The declarations page, also called the “dec page,” shows: (a) the name and address
of your insurance company, (b) the dates your policy is in effect, (c) the insured vehicles and drivers, (d) any
excluded drivers, (e) the amounts and types of coverage, and (f) your deductibles.
3. The Texas Department of Insurance (TDI). You have the right to call TDI for free at 1-800-252-3439 for
information and help with a complaint against an insurer. You can also find information on the TDI website
at www.tdi.texas.gov.
4. Resources for shopping for insurance. The Office of Public Insurance Counsel (OPIC) and TDI
developed www.HelpInsure.com to help you compare rates and coverages for different insurance
companies. OPIC also has an online tool to help you compare policies. You can find this policy comparison
tool at www.opic.texas.gov.
6. Auto repair notice requirements. The insurance company must provide you a document about your rights
regarding auto repairs as follows:
• Claims submitted by telephone: Written notice within 3 business days or verbal notice during the
call, followed by written notice within 15 business days;
• Claims submitted in person: Written notice at the time you present your vehicle to an
insurer, an insurance adjuster, or other person in connection with a claim for repair; or
• Claims submitted in writing (including email and fax): Written notice must be provided within
3 business days of the insurance company receiving notice of the claim.
7. Deadlines for processing claims and payments. When you file a claim on your own policy, the insurance
company must meet these deadlines:
• Within 15 days after you file a claim: The company must let you know they received your claim.
The company must also start their investigation and ask you for any other information they need.
• Within 15 business days after they get all the information they need: The company must approve
or deny your claim in writing. They can extend this deadline up to 45 days from the date they: (a) let
you know they need more time and (b) tell you why.
• Within 5 business days after they let you know your claim is approved: The company must pay
the claim.
Note: TDI can extend these deadlines by 15 more days if there is a weather-related catastrophe.
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If your company fails to meet these deadlines, you may be able to collect the claim amount, interest, and
attorney’s fees.
8. Written explanation of claim denial. Your insurance company must tell you in writing why your claim or
part of your claim was denied.
9. Information not required for processing your claim. Your insurance company can only ask for
information reasonably needed for their claim investigation. However, they cannot ask for your federal
income tax returns unless: (a) they get a court order or (b) your claim involves a fire loss, loss of profits, or
lost income.
10. Reasonable investigation. Your insurance company cannot refuse to pay your claim without a reasonable
investigation of the claim. You should keep records of all claim communications (including notes from
phone calls) and other claim documentation (including damage estimates and receipts).
11. Deductible recovery. If another person may be liable for the damage to your auto and you (a) filed a claim,
and (b) paid or owe a deductible on your own policy, then your insurance company must:
• Take action to recover your deductible no later than 1 year from when your claim is paid; or
• Refund your deductible; or
• Notify you that they will not take action and allow you to try to collect your money (a) within 1 year
from that date your claim is paid, or (b) at least 90 days before the statute of limitations expires
(whichever date comes first).
12. Notice of liability claim settlement. Liability means you are responsible for other people’s injuries or
damage to their property. Your insurance company must let you know in writing:
• About the first offer to settle a claim against you within 10 days after the offer is made.
• About any claim settled against you within 30 days after the date of the settlement.
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• Terminates the policy;
• Gives you less coverage or limits your coverage; or
• Refuses to give additional coverage that you are entitled to under the policy.
“Refusal to renew” and “nonrenewal” are terms that mean your coverage ends at the end of the policy
period. The policy period is shown on the declarations page of your policy.
14. Offer of uninsured/underinsured motorist and personal injury protection coverages. Insurance
companies must offer you Uninsured/Underinsured Motorist (UM/UIM) and Personal Injury Protection
(PIP) coverage on a new policy. If you decline them, it must be in writing. The company is not required to
reoffer these coverages upon renewal, but you may request them at any time.
15. Insurance company cancellation of personal automobile policies. If your policy has been in effect for
60 days or more, your company can only cancel your policy if:
• You don’t pay your premium when it is due;
• You file a fraudulent claim;
• TDI decides that keeping the policy violates the law;
• Your driver’s license or vehicle registration is suspended or revoked (unless you agree to exclude
coverage for yourself as a driver under the policy); or
• Any driver who lives with you, or who usually drives a vehicle covered by the policy, has their
driver’s license or vehicle registration suspended or revoked (unless you agree to exclude coverage
for that person as a driver under the policy).
16. Notice of cancellation. If your insurance company cancels your policy, they must let you know by mail at
least 10 days before the effective date of the cancellation. Check your policy because your company may
give you more than 10 days' notice.
17. Your right to cancel. You can cancel your policy at any time and get a refund of the unused premium.
18. Refund of premium. If you or your insurance company cancel your policy before it ends, the company
must refund any unused premium.
• If the company cancels, they have 15 business days from the day they cancel your policy.
• If you ask to cancel your policy, the company has 15 business days from the day you want the
policy to end.
You must let your company know you want the refund sent to you. If not, they may refund the remaining
premium by giving you a premium credit on the same policy.
19. Limits on using claims history to change premium. Your insurance company can’t change your premium
solely because of a claim you file that is not paid or payable under your policy.
20. Timing of nonrenewal. Your insurance company must renew your policy until it has been in effect for 1
year. If your policy is renewed, your company must continue to renew your policy until the yearly
anniversary of the original effective date.
For example, if your six-month policy was originally effective on January 1, 2050, your company must
renew your policy until January 1, 2051. After that, your company may only refuse to renew your policy on
the original effective date (in this example, January 1) of any future year.
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21. Notice of nonrenewal. Your insurance company must send you a notice that they are not renewing your
policy. They must let you know at least 30 days before your policy expires, or you can require them to
renew your policy.
22. Not-at-fault claims. Your insurance company cannot refuse to renew your policy solely because of any
one of the following:
• Claims involving damage from a weather-related incident that do not involve a collision, like
damage from hail, wind, or flood.
• Accidents or claims involving damage by contact with animals.
• Accidents or claims involving damage caused by flying gravel, missiles, or other flying objects.
However, if you have 3 of these claims in a three-year period, the company may increase your
deductible on your next annual renewal date.
• Towing and labor claims. However, once you have made 4 of these claims in a three-year period, the
company may remove this coverage from your policy on your next annual renewal date.
• Any other accident or claim that cannot reasonably be considered your fault, unless you have 2 of
these claims or accidents in a one-year period.
23. Limit on using credit information to nonrenew your policy. An insurance company cannot refuse to
renew your policy solely because of your credit.
24. Limit on using age to nonrenew your policy. An insurance company cannot refuse to renew your policy
based solely on the age of any person covered by the policy. Your company also cannot require you to
exclude a family member from coverage solely because they reached driving age.
25. Protections from discrimination. An insurance company cannot refuse to insure you; limit the coverage
you buy; refuse to renew your policy; or charge you a different rate based on your race, color, creed,
country of origin, or religion.
26. Right to ask questions. You can ask your insurance company a question about your policy. They cannot
use your questions to deny, nonrenew, or cancel your coverage. Your questions also cannot be used to
determine your premium.
For example, you may ask:
• General questions about your policy;
• Questions about the company’s claims filing process; and
• Questions about whether the policy will cover a loss, unless the question is about damage: (a) that
occurred and (b) that results in an investigation or claim.
27. Notice of a “material change” to your policy. If your insurance company does not want to cancel or
nonrenew your policy, but wants to make certain material changes, then they must explain the changes in
writing at least 30 days before the annual renewal date. Material changes include:
• Giving you less coverage;
• Changing a condition of coverage; or
• Changing what you are required to do.
Instead of a notice of “material change” a company may choose to not renew your existing policy. If so, the
company has to send a nonrenewal letter, but may still offer you a different policy.
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Note: A company cannot reduce coverage during the policy period unless you ask for the change. If you
ask for the change, the company does not have to send you a notice.
28. Written explanation of cancellation or nonrenewal. You can ask your insurance company to tell you in
writing the reasons for their decision to cancel or not renew your policy. The company must explain in
detail why they cancelled or nonrenewed your policy.
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WHAT DOES ROOT, INC.
FACTS DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives
consumers the right to limit some but not all sharing. Federal law also requires us to tell
you how we collect, share, and protect your personal information. Please read this notice
carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service
you have with us. This information can include:
How? All financial companies need to share customer’s personal information to run their
everyday business. In the section below, we list the reasons financial companies can
share their customer’s personal information; the reasons Root chooses to share; and
whether you can limit this sharing.
Who we are
18 20 CW 02-2022
Who is providing this notice? Root Insurance Company, Root Insurance Agency, LLC, Root
Scout, LLC, Root Property & Casualty Company, Root Lone
Star Insurance Agency, and Redpoint Insurance Group, LLC
which are all either affiliates that operate under the Root, Inc.
umbrella or business partners.
What we do
How does Root Insurance protect my personal To protect your personal information from unauthorized access
information? and use, we use security measures that comply with federal law.
These measures include computer safeguards and secured files
and buildings.
How does Root Insurance collect my personal We collect your personal information, for example, when you
information?
◼ Apply for insurance or pay insurance premiums
◼ File an insurance claim or tell us where to send money
◼ Give us your contact information
Why can’t I limit all sharing? Federal law gives you the right to limit only
What happens when I limit sharing for an Your choices will apply for everyone on your account.
account I hold jointly with someone else?
Definitions
Affiliates Companies related by common ownership or control. They can
be financial and nonfinancial companies.
18 20 CW 02-2022
Joint marketing A formal agreement between nonaffiliated financial companies
that together market financial products or services to you.
For insurance customers in only AZ, CT, GA, IL, MT, NV, NM, ND, OH, OR, and VA: The term “Information” means
information we collect during an insurance transaction. We will not use your medical information for marketing purposes
without your consent. We may share your Information with nonaffiliates without your prior authorization as permitted or
required by law. We may share your Information with insurance regulatory authorities, law enforcement, and consumer
reporting agencies. Information we obtain from a report prepared by an insurance-support organization may be retained
by that insurance-support organization and disclosed to others.
18 20 CW 02-2022
Root Lone Star Insurance Agency
80 E Rich St Ste 500
Columbus, OH 43215
www.root.com
Fees
The above fees are not refundable, unless required by applicable state law. All fees will be administered in
accordance with the terms and conditions filed and/or approved where required by the state department of
insurance or other applicable regulator. Fees will be deducted first from any payment received from you.
Nothing herein contained shall be held to vary, alter, waive, or extend any of the terms, limits of liability,
conditions, or exclusions in this endorsement or the Policy to which this endorsement is attached other than as
stated above.
We’re writing to let you know that an adverse action has been taken. As part of our standard process,
we secure third-party reports from consumer reporting agencies. State law and the Federal Fair Credit
Reporting Act require that we provide this notice.
At Root, we pride ourselves on fairness and transparency, and we want to help you better understand
the information we use and why the adverse action has been taken.
The rate we have assigned to your car insurance policy is not our lowest rate. Root determined your
rate using various consumer reports, which may be different from the models most carriers use.
We provided you a less favorable rating classification due, in part, to information we evaluated from
your Credit report.
Kyle Scott
TransUnion Consumer Solutions - Credit Report
Negative item
Credit Score: 475
Negative item
Code G52: No mortgage accounts. Optimum value is mortgage 0-12 months old.
Negative item
Code DG0: There are no delinquencies; there are not enough data points to calculate
maximum credit card utilization over last 12 months. Optimum value is no delinquency and
the maximum credit card utilization over last 12 months is > 0% and <1%.
Negative item
Negative item
Code GAN: ,Age is 26-30 and average number of months accounts on file is < 30. Optimum
value is age 30 or less and average number of months accounts on file is 141 or more.
The Fair Credit Reporting Act states that you are entitled to a free copy of your consumer report
within sixty (60) days of receiving this letter. You have to make a request to the applicable consumer
reporting agency (listed below). If you want to dispute the accuracy or completeness of any
information included in your report, you will need to contact the consumer reporting agency directly.
It’s important to know that the consumer reporting agency did not make any decisions about
premium, rating or underwriting. They will not be able to explain your policy premium or the reason
for the adverse action.
These Terms and Conditions may change from time to time and all updates will be emailed to
you, and it is your responsibility to review this information. When we do change these Terms
and Conditions, we may also revise the “Revised” date and may notify you or post a message
on the Website and/or through the Service.
Hardware Requirements: You will need to be able to access the Internet and have access to an
Android or iOS smartphone.
Software Requirements: You will need to have iOS version 13.0 and above or Android version
5.0 and above.
We will inform you of any changes to these hardware and software requirements. You will need
to review the new requirements and contact us should we make changes to the hardware or
software requirements for the e-delivery option such that you may no longer be capable of
accessing or retaining your electronic insurance documents and wish to opt out of e-delivery. In
this event, opting out of e-delivery will not impose any additional fees, though it may affect your
total premium.
You are responsible to inform us of any changes to your email address, as well as keeping your
You are responsible to inform us of any changes to your email address, as well as keeping your
email address active and capable of receiving new emails. Your email address can be updated
in the Root App, on Root's website, or by contacting us at support@joinroot.com or toll-free at
(866) 980-9431. We are not responsible for issues due to emails sent to inactive or out-of-date
email addresses, unless we are solely negligent for using an incorrect address.
Your consent to these terms and conditions, confirms that you are consenting to receive all
policies, endorsements, notices and/or documents from us electronically, including notice of
nonrenewal and cancellation. However, there may be some documents that we continue to
send via mail due to legal or technological constraints. You do have the right to request any of
these documents in paper by contacting us at:
Email: support@joinroot.com
Toll-free telephone: (866) 980-9431
Web: www.joinroot.com
You will not be charged a fee to receive any of these documents in paper. You can access your
documents to retain any notices sent electronically for your own records by tapping the policy
tab in the app and tapping “Policy Document.”
You may continue to receive delivery of the policy and all notices in hard copy; receive delivery
of the policy electronically, but receive all notices in hard copy; or receive delivery of the policy
and all notices electronically. You can manage these options, including opting-out of e-delivery,
by contacting us at support@joinroot.com or toll-free at 866-980-9431.
Kyle Scott
Important Notice
Root Lone Star Insurance Agency, MGA for Redpoint County Mutual Insurance Company
reserves the right to cancel this policy at any time in accordance with our underwriting
guidelines.
In the event this occurs, you will be notified of the cancellation as required by your state laws
and regulations.
I verify and confirm that I have read and agree to the document(s) above, that I own
or lease the vehicle(s) on this policy, and that I am the Named Insured on this policy
and authorized to make the selections of coverage.
If you have questions regarding this disclosure, contact Root at (866) 980-9431 or
support@joinroot.com. For information or other questions, contact the Texas Department of
Insurance at 1 (800) 578-4677 or PO Box 149104, MC 104-PC, Austin, Texas 78714.
Section 559.053 of the Texas Insurance Code requires an insurer or its agents to disclose to its
customers whether credit information will be obtained on the applicant or insured or on any
other member(s) of the applicant's or insured's household and used as part of the insurance
credit scoring process.
If credit information is obtained or used on the applicant or insured, or on any member of the
applicant's or insured's household, the insurer shall disclose to the applicant the name of each
person on whom credit information was obtained or used and how each person's credit
information was used to underwrite or rate the policy. An insurer may provide this information
with this disclosure or in a separate notice.
Adverse effect means an action taken by an insurer in connection with the underwriting of
insurance for a consumer that results in the denial of coverage, the cancellation or nonrenewal
of coverage, or the offer to and acceptance by a consumer of a policy form, premium rate, or
deductible other than the policy form, premium rate, or deductible for which the consumer
specifically applied.
Credit information is any credit related information derived from a credit report itself, or
provided in an application for personal insurance. The term does not include information that is
not credit-related, regardless of whether the information is contained in a credit report or in an
application for insurance coverage or is used to compute a credit score.
Credit score or insurance score is a number or rating derived from a mathematical formula,
computer application, model, or other process that is based on credit information and used to
predict the future insurance loss exposure of a consumer.
PROHIBITED
Includes USE
copyrighted OF CREDIT
material of InsuranceINFORMATION.
Services Office, Inc., with its permission
PROHIBITED USE OF CREDIT INFORMATION.
(1) use a credit score that is computed using factors that constitute unfair discrimination;
(2) deny, cancel, or nonrenew a policy of personal insurance solely on the basis of credit
information without consideration of any other applicable underwriting factor independent of
credit information; or
(3) take an action that results in an adverse effect against a consumer because the consumer
does not have a credit card account without consideration of any other applicable factor
independent of credit information.
An insurer may not consider an absence of credit information or an inability to determine credit
information for an applicant for insurance coverage or insured as a factor in underwriting or
rating an insurance policy unless the insurer:
(1) has statistical, actuarial, or reasonable underwriting information that: (A) is reasonably
related to actual or anticipated loss experience; and (B) shows that the absence of credit
information could result in actual or anticipated loss differences;
(2) treats the consumer as if the applicant for insurance coverage or insured had neutral credit
information, as defined by the insurer; or
(3) excludes the use of credit information as a factor in underwriting and uses only other
underwriting criteria.
NEGATIVE FACTORS.
An insurer may not use any of the following as a negative factor in any credit scoring
methodology or in reviewing credit information to underwrite or rate a policy of personal
insurance:
(3) a collection account with a medical industry code, if so identified on the consumer's credit
report.
Multiple lender inquiries made within 30 days of a prior inquiry, if coded by the consumer
reporting agency on the consumer's credit report as from the home mortgage or motor vehicle
lending industry, shall be considered by an insurer as only one inquiry.
EFFECT
Includes OF EXTRAORDINARY
copyrighted material of Insurance EVENTS.
Services Office, Inc., with its permission
EFFECT OF EXTRAORDINARY EVENTS.
An insurer shall, on written request from an applicant for insurance coverage or an insured,
provide reasonable exceptions to the insurer's rates, rating classifications, or underwriting rules
for a consumer whose credit information has been directly influenced by a catastrophic illness
or injury, by the death of a spouse, child, or parent, by temporary loss of employment, by
divorce, or by identity theft. In such a case, the insurer may consider only credit information not
affected by the event or shall assign a neutral credit score.
An insurer may also consider granting an exception to an applicant for insurance coverage or
an insured for an extraordinary event not listed in this section. An insurer is not out of
compliance with any law or rule relating to underwriting, rating, or rate filing as a result of
granting an exception under this article.
If an insurer takes an action resulting in an adverse effect with respect to an applicant for
insurance coverage or insured based in whole or in part on information contained in a credit
report, the insurer must provide to the applicant or insured within 30 days certain information
regarding how an applicant or insured may verify and dispute information contained in a credit
report.
If it is determined through the dispute resolution process established under Section 611(a)(5),
Fair Credit Reporting Act (15 U.S.C. Section 1681i), as amended, that the credit information of a
current insured was inaccurate or incomplete or could not be verified and the insurer receives
notice of that determination from the consumer reporting agency or from the insured, the
insurer shall re-underwrite and re-rate the insured not later than the 30th day after the date of
receipt of the notice.
After re-underwriting or re-rating the insured, the insurer shall make any adjustments necessary
within 30 days, consistent with the insurer's underwriting and rating guidelines. If an insurer
determines that the insured has overpaid premium, the insurer shall credit the amount of
overpayment. The insurer shall compute the overpayment back to the shorter of the last 12
months of coverage; or the actual policy period.
Includes copyrighted material of Insurance Services Office, Inc., with its permission
I verify and confirm that I have read and agree to the document(s) above, that I own
or lease the vehicle(s) on this policy, and that I am the Named Insured on this policy
and authorized to make the selections of coverage.
Includes copyrighted material of Insurance Services Office, Inc., with its permission
Underwritten by Redpoint County Mutual Insurance Company
Root Lone Star Insurance Agency, MGA
I verify and confirm that I have read and agree to the document(s) above, that I own
or lease the vehicle(s) on this policy, and that I am the Named Insured on this policy
and authorized to make the selections of coverage.
You should read this document carefully and contact us if you have any questions regarding
Uninsured/Underinsured Motorists Coverage and your options with respect to this coverage.
Driver Information
Name: Kyle Scott Mailing Address:
Named Insured? Yes 3206 W State Road 114
Date of Birth: **/**/1996 Levelland, TX 79336
Homeowner? No Driver’s License State: OR
Marital Status: Single Driver’s License Number: ****016
Vehicle Information
Year, Make, and Model: 2002 Chevrolet S-10 VIN: 1GCCS19W928216650
Garaging Address1: 3206 W State Road 114 Garaging City: Levelland
Garaging State: TX Garaging Address ZIP Code: 79336
Coverage Information
Coverage limits and deductibles
The following coverages apply to all listed vehicles unless otherwise noted.
Rental DECLINED
Comprehensive DECLINED
Collision DECLINED
Any person who with intent to defraud or knowing that he or she is facilitating a fraud against an insurer, submits an
application or files a claim containing a false or deceptive statement is guilty of insurance fraud.
Your insurance policy and any policy endorsements contain a full explanation of your coverage.
I verify and confirm that I have read and agree to the document(s) above,
that I own or lease the vehicle(s) on this policy, and that I am the Named
Insured on this policy and authorized to make the selections of coverage.
I understand that this constitutes a legal signature confirming that I
acknowledge and agree to the above Affirmation Statement.