When does CDW not apply?

CDW (Collision Damage Waiver) covers only collisions between two vehicles that both have a driver. Anything outside that isn't covered, and the following situations are excluded as well.

Hitting a wall, post, curb, sign or other object with no other vehicle involved (including bumps in a parking lot) isn't covered by CDW in the first place. Other exclusions include reckless driving or driving on dangerous roads, using a phone or other device while driving, new damage caused by leaving the car abandoned, a total loss caused by negligence, use as a stolen vehicle, failing to report an accident, failing to get the other vehicle's plate number or the other vehicle's inspection having expired, the other driver not having a valid license, and driving under the influence of alcohol or illegal drugs.

Reckless driving and DUI are easy to avoid by following the basic rules. But hitting a wall or post can happen even to careful drivers, and CDW won't cover it either way. Take extra care when parking or turning around.