Fine reality, go the 90 day route, i just hope you didn't pay by credit card because i would hit it up as soon as you returned my damaged car for the deductible amount. You people have to admit, there are rental situations when it is extremely advantageous to take CDW. For example, people driving cargo vans or pick-ups that are not used to driving those types of vehicles, same with 15 passengers, when it snows, when you just had an accident and another claim would get you kicked off your policy, when you have an additional driver on the car, where if they wreck it, it falls on you, when you are traveling in an unfamiliar city, oh i could go on forever. But alas, i could really care less if you take it. Why you might ask?? Because the most satisfaction i get in my job is when an a**hole customer, who right in the beginning said "I don't need that extra insurance" comes back with damage on my car, I love to see their face when i collect their deductible and file a claim right in front of them onto their policy. And then only to hear them bitch, "I should have gotten that insurance"