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Auto Insurance Online
If you are interested in a quote, applying for
insurance, or filing a claim please select the appropriate
link below to access our online services.
Automobile Coverage in the Virgin Islands
Automobile liability insurance in the VI is compulsory and
required by law. Therefore, all licensed motor vehicles must
carry minimum liability limits to protect against damages caused
to third parties in an accident. Our primary goal is to ensure
that our clients feel secure under such circumstances and that
their insurance coverage is comprehensive and offers the security
they expect.
After 20 years in the VI, Guardian has established itself as
the area’s leading automobile insurer. Our clients know
that they will never be burdened with the headaches often associated
with the management of a claim.
All our policy forms are comprehensive and provide coverage
on par with the best found across the U.S. Moreover, we put
our vast, long-standing expertise in the service of our customers – business
and consumer alike. Which is not only a Guardian hallmark…it
is the industry gold standard. We are here in the VI ready
to attend to your most important needs at your most critical
moment: when the loss happens!
Your Guardian Auto coverage
Up to seven individual coverages, which together afford
the basic coverage.
Bodily Injury Liability
This coverage is mandatory by law and covers you for accidental
Bodily Injury which you or the driver of your car causes to
someone else. This is a coverage that you will want to keep
at a consistent level regardless of the value of your vehicle.
In the event of a serious accident, you want enough coverage
(higher limits) to protect assets that may be at risk in a
lawsuit.
Property Damage Liability
This coverage is also mandatory by law and covers you for damages
to someone's property caused by your car as well as providing
you with legal defense.
Medical Payments
This coverage covers you for the medical expenses related to
injuries sustained in your car during an auto accident.
Comprehensive Physical Damage Insurance
This coverage covers you for damages to your vehicle due to
windstorm, flood, fire, theft, impact with a bird or animal,
or other covered perils. Guardian offers a number of deductibles
(A deductible is the amount of money, you must pay out of your
pocket after a loss before you can collect from your Auto Insurance
coverage.) You can opt for a higher deductible in order to
lower your premium.
Collision Insurance
This coverage covers you for damages to your vehicle when it
collides with another object, such as a car, truck, or tree.
Guardian offers a number of deductibles (A deductible is the
amount of money you must pay out of your pocket after a loss
before you can collect from your auto insurance coverage.)
You can opt for a higher deductible in order to lower your
premium.
Uninsured Motorist Protection
This coverage covers you for bodily injury you sustain in an
auto accident due to the negligence of an uninsured driver.
.
Accidental Death and Dismemberment (AD&D)
This coverage provides indemnification to the insured for loss
of life, eyes or limbs.
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