Auto Insurance
Auto Insurance
Affordable Auto Insurance

Accidents can happen at any time. Even the best drivers have them. How many of your friends have had “fender benders” or worse while simply driving down the road minding their own business? You and your passengers are vulnerable to injury — even death — every time you get behind the wheel. Your car is vulnerable, too. Whether you have a car, a minivan or small truck, you need insurance. Linares Insurance provides auto coverage to help protect your family or business from disastrous accident claims. When you buy auto insurance with us, you agree to make regular payments for a specified timeframe of insurance protection. Linares Insurance helps you, your family and your business when the unthinkable happens.

What exactly is auto insurance coverage?

When you buy an auto insurance policy, you are actually getting a package of coverages called a primary coverage package. Primary coverage packages vary from state-to-state. You can pay for your primary coverage package on a monthly, quarterly, bi-yearly or yearly basis. During that time, you can drive your car without fear of financial disaster or ruin. Be sure to get auto insurance from Linares Insurance, where customer service come first. We are available to answer your questions 24 hours a day, 7 days a week.

What coverages are included in my auto insurance package?

Your primary coverage package includes:

Bodily injury liability coverage, which pays for physical injury or death caused by an accident determined to be your fault. This coverage usually provides for your legal defense as well — good to know if you’ve been in a serious accident!

Property damage liability coverage, which protects you if your vehicle accidentally destroys or damages someone else’s property. It’s great to know you’re covered if your car damages the neighbor’s lawn! Property damage liability coverage usually provides for your legal defense, too.

Medical payments, no-fault or personal injury coverage, which covers the medical expenses of the driver and passengers in your car if they are injured in a covered accident. Coverage is provided regardless of who is at fault. This is so important! How else could you afford to pay the astronomical medical bills?

Uninsured motorist coverage, which pays for your bodily injuries and certain property damages caused by an uninsured or a hit-and-run driver. In certain circumstances, underinsured motorist coverage is also covered. You cannot underestimate the importance of this coverage with so many uninsured or underinsured drivers on the road today.

Comprehensive physical damage coverage is very important to have, in case your car is damaged during a theft, or by vandalism, flood and fire. If you drive or park on city streets, live near a high school or work in a low-lying flood zone, you know how important this coverage is!

Collision coverage pays for any damages to your vehicle when it hits or is hit by an object. For instance, if you swerve to avoid hitting a dog and hit a tree instead, you’re covered. If you hit a neighbor’s mailbox or a parking barrier, collision coverage will pay.
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