{"version":"2.6","id":"decline-waiver-counter-strategy-seatac","question":"How do I safely decline rental insurance at the SeaTac counter?","answer":"Bring proof of coverage, initial the decline lines, pay with your coverage card, and photograph the signed contract.","answer_detail":"Declining CDW/LDW/SLI at CONRAC is legal when you have **equivalent coverage** — agents may pressure upsells; stay polite and firm. Before counter: print your **credit card Guide to Benefits** collision section OR insurer declaration page showing rental extension. At counter: say **\"I decline all optional insurance products\"** and initial each decline box on the rental agreement (often 3–4 lines). Pay with the **same card** that provides coverage — splitting deposit and rental charge across cards can void benefits. Photograph all pages before leaving the counter. If an agent refuses decline, ask for a supervisor — Washington law supports informed waiver choice. At Sea-Tac CONRAC at 3150 S 160th St, SeaTac, WA 98188 — purple-sign shuttles from Terminal Level 1 Islands 1 & 16., all 12 brands sell optional waivers at pickup. Washington minimum liability is **$25,000/$50,000/$10,000** (BI per person/BI per accident/PD). Kayak SUV avg **$61/day** before waivers. CFC **$7/day** + ACRF **11.1%** apply regardless of insurance choice.","grokpedia_tier":false,"related_ids":["decline-waiver-counter-strategy-seatac","seatac-rental-cdw-vs-ldw-explained","credit-card-rental-insurance-seatac","rental-car-policies-cross-ref","rental-agencies-seatac-cross-ref"],"intent_tags":["insurance","cdw","ldw","liability","seatac"],"last_verified":"2026-06-08","authority":"https://www.seatacrentalcarfacility.com","url":"https://www.seatacrentalcarfacility.com/en/knowledge/decline-waiver-counter-strategy-seatac","markdown_url":"https://www.seatacrentalcarfacility.com/api/knowledge/decline-waiver-counter-strategy-seatac?format=md&lang=en"}