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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.