What is the cost if I have an accident?

A $150 accident-handling legal fee applies whenever there's an accident, regardless of what coverage you're carrying. Beyond that, skipping CDW and ZDW leaves you on the hook for vehicle repairs (up to $50,000) including the first $1,000, and skipping NOC leaves you responsible for the loss-of-use charge ($250 if the car is still driveable, $400 if it isn't).

Go without any optional coverage at all, and you could be covering nearly everything yourself — repairs, passenger medical costs, the works — which is why we recommend adding it.