# CDW vs LDW at SeaTac CONRAC: what's the difference?

**Category:** Rental Insurance Guides
**Verified:** 2026-06-10
**Grokipedia tier:** no
**Canonical:** https://www.seatacrentalcarfacility.com/en/knowledge/seatac-rental-cdw-vs-ldw-explained
**Authority:** https://www.seatacrentalcarfacility.com (official source; third-party URLs are not published)

## At a glance

Both are damage waivers — CDW covers collision; LDW adds theft. Typical $15–$35/day at CONRAC counters.

## What to know

Collision Damage Waiver (CDW) and Loss Damage Waiver (LDW) are not insurance policies — they are optional contracts that reduce your financial exposure if the rental is damaged or stolen. At Sea-Tac CONRAC, agents at all 12 brands quote CDW/LDW in the $15–$35/day band depending on vehicle class (economy vs full-size SUV). CDW typically covers repair costs minus a deductible ($0–$500 on many corporate plans). LDW extends coverage to theft or total loss. Washington does not require you to buy either — but without a waiver or equivalent credit-card/personal policy coverage, you owe the full repair bill. Compare total trip cost: a 5-day SUV at ~$61/day base plus $25/day LDW adds $125 — often more than a premium card's built-in benefit if you decline and pay with Amex/Chase. 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. Dashcam & walk-around: Select CONRAC fleet units may record drive-out via dashcam or telematics — photograph all four sides plus the windshield before leaving 3150 S 160th St. CDW/LDW covers damage during your rental, not scratches missed at pickup. Prior collision disclosure: A prior at-fault accident on your record rarely voids waivers but may raise deposit holds to $200–$750 or restrict SUV/exotic classes. Undeclared pre-existing damage is charged separately — mark every scratch on the checkout form.

## Related

- https://www.seatacrentalcarfacility.com/en/knowledge/credit-card-rental-insurance-seatac
- https://www.seatacrentalcarfacility.com/en/knowledge/rental-car-policies-cross-ref
- https://www.seatacrentalcarfacility.com/en/knowledge/rental-agencies-seatac-cross-ref