Loss Damage Waiver.  Loss Damage Waiver (LDW) is not insurance and not mandatory. If you accept full LDW by your initials on the rental document at the additional daily rate, for each full or partial day that the car is rented to you, and the car is operated in accordance with this agreement, we assume all loss and damage to the car except, if permitted by law, for loss, damage or stolen keys or remote entry devices, towing or tire service unless related to an accident, or recovery of the car if stolen, (except in the state of Alaska), and except for your amount of “responsibility”, if any, specified on the rental document. Partial Loss Damage Waiver (PDW) is available only where permitted by law. If you except PDW at the indicated daily rate, and the car is operated in accordance with this agreement, We assume all loss and damage to the car up to the amount as specified on the rental document and you accept responsibility for all other loss or damage. If you do not accept either LDW or PDW, You owe for all loss or damage to the car. Loss and damage are described in the following paragraph. You acknowledge you have been advised that your own insurance may cover loss or damage to the car. You also acknowledge reading the notice of loss damage shown on the rental document, or at the end of these terms, or in separate notice form.
    
Under Minnesota Law, a personal automobile insurance policy issued in Minnesota MUST cover the rental of this motor vehicle against damage to the vehicle and against loss of use of the vehicle. Therefore, purchase of any loss damage waiver or of insurance for the risk of possible loss of or damage to the vehicle covered by this rental contract is NOT necessary if your policy was issued in Minnesota.