What is the cost if I have an accident?

A $150 legal processing fee is the one constant — it applies the moment there's an accident, no matter whose fault it was or what coverage you booked.

Past that, going without CDW and ZDW means up to $1,000 of the repair bill lands on you (the rest is capped at $50,000 total). Skip NOC and the loss-of-use charge is yours too — $250 if the car's still rentable, $400 if it isn't.

Carry none of the optional coverage and the exposure widens considerably from there, which is really the whole case for adding it if peace of mind matters to you.