What is the cost if I have an accident?

Any accident brings a $150 legal handling fee, regardless of what coverage you're carrying at the time. On top of that, going without CDW and ZDW leaves you responsible for $1,000 of the repair bill (capped overall at $50,000), and skipping NOC means covering the loss-of-use charge yourself — $250 if the car is still drivable, $400 if it isn't.

Carry no optional coverage at all, and you could end up paying for nearly everything out of pocket — repairs, medical costs, all of it — which is the main reason we suggest adding it.