What will an accident cost me?

A $150 legal handling fee applies to every accident, no matter which coverage you chose.

For repairs to the car: without CDW you pay the full amount. With CDW, you pay no more than the $1,000 deductible toward repairs (covered up to $50,000), and with ZDW added you pay nothing toward repairs. Without NOC, there's also a non-operation charge of $250 if the car can still be driven, or $400 if it can't.

If you'd like peace of mind, adding coverage is a good idea, just in case.