CAR INSURANCE

Here at Guardian Insurance Northwest we have a lot of companies with many benefits and can find a perfect fit for you and your family!

 

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CAR INSURANCE COVERAGE

THIS IS A LIST OF CAR INSURANCE COVERAGES THAT YOU MUST KNOW ABOUT!

BODILY INJURY/PROPERTY DAMAGE
This coverage protects the other party if you cause an accident. Bodily injury pays for the other person’s medical bills and property damage pays for the other persons property. Make sure you have adequate coverage, or if there isn’t enough to cover damages, you will be held liable for the difference!
UNINSURED/UNDER-INSURED MOTORIST

This coverage is for you if someone hits you and doesn’t have insurance, or not enough. It also covers loss of consortium in the event of serious injury or death of your spouse. Having higher Bodily Injury limits allows you to increase this coverage!

MEDICAL PAYMENTS

This coverage is what the insurance company pays passengers in your car and yourself for medical or funeral expenses in the event of an accident, whether you caused it or not. It also covers you and your family if one of you are hit by a car, say while you are riding your bicycle.

COMPREHENSIVE COVERAGE
Comprehensive coverage is defined as “other than collision” or as we say, acts of God. Things that are out of your control like hitting a deer or a tree falling on your vehicle.
COLLISION
Collision is coverage for your vehicle if you hit an object, including a stationary one, and/or another vehicle.
UNINSURED MOTORIST PROPERTY DAMAGE
Just like your Uninsured Motorist Bodily Injury, this coverage protects your vehicle if someone hits you and does not have car insurance.
PERSONAL INJURY PROTECTION- PIP

Personal Injury Protection, or PIP, is offered in Washington. This covers your Medical and hospital expenses as well as lost wages, loss of services, and funeral expenses.

ROADSIDE ASSISTANCE
Roadside Assistance is there in case you run out of gas, have a flat tire, and for towing due to breakdown or an accident. The difference between roadside insurance and AAA roadside is roadside insurance follows the vehicle and AAA follows the individual, AAA is also more expensive much of the time.
RENTAL VEHICLE
Rental Vehicle is coverage for you if you need a rental car due to a covered loss, you can get reimbursed up to the limit you decide on your car insurance policy.

Accident Fogiveness

Some car insurance companies offer Accident Forgiveness keeping your Car Insurance premiums low if you must file a claim!

Violation Forgiveness

We get it, no one meant to get a ticket, but it does happen! Violation forgiveness is here to help you, take advantage of it!

Claims Free Cash Back

You should get rewarded for not making a claim, and the insurance companies agree! Some of our companies give you cash back if you can avoid having a claim!

OEM Coverage

If you just got a new car, wouldn’t you want it to get the very best when it comes to repair? Let us protect your new ride so your mind can be at ease!

If You Are Interested In These Benefits, Get A Quote!

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Fun Facts

We are here to get you the best coverage for the best price when it comes to your car insurance. Don’t be underinsured!

AVG COST OF BODILY INJURY CLAIMS, 2018

AVG COST OF PROPERTY DAMAGE CLAIMS, 2018

AVG COST OF AN EMERGENCY ROOM, 2017