What are my costs if I'm in an accident?

Every accident comes with a $150 processing fee, whoever is at fault and whatever coverage you picked.

Repairs are where coverage matters most. Without CDW, the full repair bill is on you. CDW caps your share of repairs (covered up to $50,000) at the $1,000 deductible, and ZDW brings that to zero. Skip NOC and you'll also owe a non-operation charge: $250 if the car is still drivable, $400 if it isn't.

Adding coverage is a good idea, just in case.