That's bad news. So you purchased the rental car company's CDW, and then your car gets dented on your way to the airport on your airline departure day (after you checked out of the hotel), with only 3 hours left before your airplane tickets' departure time. What does the tourist do? No time to file a police report (if Punta Cana airport, you must drive 20-30 minutes one way to Friusa and spend several hours in the police station?) I'm not refuting your comment, I'm just asking what happens in that scenario.