Guardsman Auto Club is a structure to enable members to purchase products that supplement or compliment their traditional auto insurance policy to include; Diminished Value,  Auto Deductible Reimbursement Roadside Assistance, Rental Reimbursement,  and Original Parts coverage and instant AI Estimates. 

Traditional insurance is designed to protect you against loss but insurers craft this protection to reduce their claim exposure. They may make economic decisions that reduce their expense that may not be in the best interest of you, the policy holder.

Auto repair claim costs has risen due to vehicle complexity and risk. This means that insurers are having to pass more of that cost onto the consumer in the form of higher premiums. Consumers to address the rising premiums are raising deductibles, and lowering coverages for items like rental cars and original manufacturer parts. This exposes you to increased financial risk when an accident happens.

The largest would be around the vehicles value versus what you owe on it. Vehicles depreciate quickly and without a large trade or down payment you may quickly discover you owe more on the car than it is worth. When an accident happens, repaired vehicles are worth less than one with no accident history. This means you will take the financial hit for that cost on your next trade. When the vehicle is damaged enough that it cannot be repaired, the insurer only pays you the actual cash value, which could be far less than you owe on the vehicle. Traditional auto insurer does not offer protection for either of these Either case could open you up to multiple thousands of dollars in costs.

Use all reasonable means to protect your vehicle from further damage. This may require you to stop your vehicle and call for roadside assistance and arrange for your vehicle to be taken to a licensed repair facility. Describe to them your concerns, and authorize the necessary diagnosis. The repair facility will need to diagnose the concern to determine what component caused the failure. Call our claims department at 877-850-0443.

Your contract has a benefit for rental car assistance for covered failures. You pay at the time of rental and we reimburse you.  

Contact Roadside Assistance at 855-522-2813