Investigators say Gardner was a passenger in a gray Dodge Journey traveling north on South Bay Road just before 2 p.m. when it collided with a Toyota Four Runner.
Both drivers were taken to an area hospital where they are listed in serious, but stable condition. Their names have not been released.
The impact of the crash was so severe that both vehicles overturned.
The intersection of South Bay Road and Church Street was closed for hours as police investigated. No tickets have been issued.
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