How much am I responsible for if there's an accident?

Any accident triggers a $150 processing fee, regardless of fault or coverage. That part can't be avoided.

If you don't have CDW, the whole repair bill for the car is yours. With CDW, the most you pay toward repairs (covered up to $50,000) is the $1,000 deductible, and ZDW removes even that. Without NOC, a non-operation charge also applies: $250 if the car is still drivable, $400 if not.

Adding coverage is a good idea, just in case.