The first thing you must be aware of is that the only proof of accident is the police report. If the accident was not your fault you have nothing to pay. If the accident was your fault you will have to pay the amount of the excess corresponding to the car hire group you are driving if you didn't opted for Super CDW. If you opted for the Super CDW this is the called "Zero Excess" or "No Excess" and in this case you will have nothing to pay.