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Guard Home & Auto Insurance is an independant insurance firm. We strive to provide a better all arround insurance experience to our clients.
AUTO INSURANCE BASIC COVERAGES EXPLAINED
CAR INSURANCE gernerally includes coverage for property, liability and other risks that may arise from the use of an auto-vehicle. Drivers and vehicles cause pose such a risk to society, to drive a car it is required by law to have car insurance. Also, most financing companies that loan people money to buy their cars require property coverage on the vehicle!

Here are the common coverags an Auto Insurance Policy will include:

  • LIABILITY COVERAGE.
    Liability coverage is coverage for the insured when they are responsible for damage to another party. This could include repayment for damage to the other party's property or repayment of medical bills that resulted to the other party. If the insured is held liable for more than the policy limits, they may be responsible to pay for them from their own assets.

  • COMPREHENISVE COVERAGE.
    Comprehensive coverage provides protection for things that are other than collision to the insured's vehicle. This is coverage is optional.

  • COLLISION COVERAGE.
    Collision Coverage provides protection for the insured's vehcile when they collide with other cars, buildings, and most all other collision accidents. This coverage is optional.

  • PERSONAL INJURY COVERAGE.
    Personal Injury Coverage provides coverage for medical bills to the insured resulting from the insured's accident. If another party caused the accident and their are medcial bills resulting from the accident to the insured, the other party's liability coverage will cover those bills.

  • UNDERINSURED MOTORIST COVERAGE.
    Underinsured motorist coverage provides protection to the insured when another party is liable for damages against the insured yet their limites don't meet the state's required amounts.

  • UNINSURED MOTORIST COVERAGE.
    Uninsured motorist coverage provides protection to the insured when another party is liable for damages against the insured yet they don't have any insurance. This coverage also includes hit and run incidents.


  • It is very important to have the proper coverages. How much insurance coverage do I need? This is a question everyone should ask themselves, yet price is commonly the dertimining factor when picking out coverages. Contact an Insurance Professional to get help deciding how much insurance you need.
    CONTACT A PROFESSIONAL

    WHAT TO-DO DURING AN ACCIDENT

    WHAT TO-DO IF YOUR BILL IS TO HIGH