Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
Hands on steering wheel that says, "Think Local"

Auto

Your vehicle is an important part of your everyday life; it gets you to work, takes the kids to school, to and from ball practice, to the doctor and everywhere you need to go. Protect your investment and keep you moving when the unexpected happens.

Let’s look at coverage scenarios you may encounter:

Risk:
You are distracted by your children arguing in the backseat and cause a minor collision. The damage is relatively minimal, but the other driver says their neck is in pain.

Coverage:
Liability coverage pays for bodily injury and property damage that results from covered losses you cause.
Risk:
You’re on your way to work in the rain and hydroplane into a guardrail — the impact damages your front bumper and wheels.

Coverage:
Collision coverage can help repair your vehicle if it’s damaged — or compensate you for its value in the event of a total loss. 
Risk:
A powerful storm comes through and hail cracks your car’s windshield, leaving dozens of dents on the hood, roof and trunk.

Coverage:
Comprehensive coverage can help when your car is damaged by something other than a collision.
Risk:
You suffer minor injuries when an uninsured driver runs a red light.

Coverage:
Uninsured motorist coverage: covers the costs of your bodily injuries — up to your policy limit – when they are caused by an at-fault driver without any auto insurance.

Underinsured motorist coverage: covers the costs of your injuries when an at-fault driver has some insurance, but not enough to cover your all of your damages.
Risk:
Your child is texting and driving and hits a tree, causing injury to his back and head. 

Coverage:
Medical payments coverage can help with medical expenses if they’re caused by a covered accident — regardless of fault.
Risk:
You miss several days of work while receiving physical therapy treatment for injuries resulting from a car accident.

Coverage:
Medical Payment Coverage can help with medical and rehabilitation expenses. 
Risk: 
You are driving at night and hit a deer causing severe damage to the front fender. With Rental car coverage you can get a vehicle to drive while your vehicle is repaired.

Coverage: 
With Rental car coverage you can get a vehicle to drive while your vehicle is being repaired.

No matter your auto insurance needs, Guardian Insurance Agents are ready to help you get the tailored coverage you want and the peace of mind you deserve.


334-819-7555  or