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Any personal insurance you may have that covers damage to the vehicle would kick in before your protection plan. Terms, conditions, and exclusions apply. Liability insurance does not provide coverage for damage to a vehicle. Renter can purchase additional CDW protection plan on Upcar. Upcar is not an insurer, broker, or agent. Upcar offers CDW protection plans to our users in addition to their Primary Insurance. These protection plans provide excess coverage, and Renters insurance shall be primary. Protection plans do not replace the need for Renters and Owners to satisfy financial responsibility requirements outside of a rental transaction. Protection Plans have limits, and shall not apply above those limits.