Navigate the claim
Understand what happens next, what information matters, and which questions to ask before approving anything.
Independent collision guidance
Collision claim and repair guidance
Your insurance company knows the process. You should have someone who does, too.
Guardian helps you understand the claim, communicate with insurance, review repair information, and find the right shop for your vehicle and situation.
No cost to ask. No obligation.
No cost to ask
Real-person follow-up
Help through the process
Shop guidance
What Guardian does
The process is familiar to them. It does not have to be confusing to you.
Most drivers handle only a few collision claims in their lifetime. Guardian helps close that knowledge gap before rushed decisions become expensive ones.
Communicate with insurance
With your authorization, Guardian helps organize the repair facts and communicate the information your claim needs.
Review estimates and documents
Make sense of insurance estimates, repair questions, photos, supplements, deductibles, and claim paperwork.
Find the right repair shop
Get guidance toward a repair facility that fits your vehicle, the damage, your location, and the situation.
Concierge PLUS
Start with the Guardian Guide
This digital guide starts the conversation, saves your context, and brings Fernando in whenever you want a live person.
Guardian Guide
Digital guide. Fernando can join anytime.
Concierge PLUS
Conversation saved as you continue
Guardian Guide
Tell me what happened or what you are trying to understand. I will point you to the right next step, and Fernando can join at any time.Guardian Guide is a digital assistant. A Guardian representative reviews submitted information and can continue the conversation.
How it works
From uncertainty to a clear next step
01
Tell us what happened
Use the Guardian Guide, upload documents or photos, or ask for a live person.
02
We organize the situation
Guardian reviews the claim stage, repair questions, estimate, vehicle needs, and missing information.
03
Move forward with guidance
Get help with the insurance conversation and the repair facility that best fits the facts.
Start wherever you are
You do not need to know which category fits.
Tell Guardian what happened in plain language. We will organize the next questions around your actual situation.
An accident just happened
Safety, towing, photos, exchanged information, claim timing, and the first repair decision.
You already have an estimate
Understand what is included, what may be missing, and what to ask before repairs begin.
You have not started a claim
Organize the facts and think through your options before the first insurance conversation.
You need the right shop
Match the vehicle and repair needs with a facility equipped for that particular situation.
You have photos or paperwork
Keep damage photos, estimates, claim details, and questions together for a cleaner review.
You are not sure what to do
Start with what happened. Guardian will help identify the next useful step without pressure.
Clear about our role
Guidance beside you, decisions still belong to you.
Guardian is not your insurance carrier and does not decide coverage. We help you understand, organize, communicate, and choose a repair path with better information.
No cost to ask Guardian for guidance
No obligation to approve a repair
You authorize any communication or paperwork
Coverage decisions remain with the insurer
Common questions
What drivers usually want to know
Do I need to have an insurance claim open?
No. Guardian can help before the first insurance call, after a claim is opened, or after you receive an estimate.
Can Guardian review an insurance estimate?
Yes. Guardian can help you understand what the estimate includes, organize questions, and identify information the repair conversation may still need.
Can Guardian communicate with my insurance company?
When appropriate and authorized by you, Guardian can help communicate repair information and keep the process organized. Coverage decisions remain with the insurer.
How does Guardian choose a repair shop?
The recommendation is based on the vehicle, type of damage, repair requirements, location, and the facts of the claim or repair situation.
What does it cost to ask Guardian for help?
There is no cost to ask Guardian for collision claim and repair guidance.
Serving drivers nationwide
Start with what happened.
You do not need the perfect question. Guardian will help organize the next one.