Overview
When El Paso drivers ask for a "full coverage" quote they almost always mean a policy that includes state-required liability plus physical damage protection (collision and comprehensive) for their own vehicle. If you're financing or leasing your car, your lender will require this package. Even when it isn't required, full coverage is usually the right choice for any vehicle worth more than roughly $4,000 — the annual premium difference is almost always smaller than a single major repair.
Key benefits
- Repairs your own vehicle after an at-fault crash
- Replaces your vehicle if it's stolen or totaled
- Covers hail damage, flooding from monsoon storms, and wildlife collisions
- Required by virtually every auto lender and lessor
- Pairs naturally with rental reimbursement and roadside assistance
Real-world examples
Hail in the Upper Valley
A summer storm dents your roof and cracks your windshield. Comprehensive coverage pays for repairs minus your deductible.
Single-car accident
You slide off a wet on-ramp during a rare ice event. Collision coverage pays to repair your vehicle.
Auto theft
Your truck is stolen from a Northeast El Paso apartment lot. Comprehensive pays the actual cash value if it's never recovered.
Related coverages
Required by Texas law — covers the other driver when you're at fault.
Repairs your vehicle after a crash — regardless of who's at fault.
Protects against theft, hail, vandalism, and animal strikes.
Pays medical and lost-wage benefits for you and your passengers.