So even if you didn't spill anything on your laptop, but there IS moisture inside due to some freak occurrence like, for example, humidity from the air condensing inside the laptop... Technically you are still liable for that moisture damage aren't you? Even if it's a mystery how the moisture got in there, if it's in there, you are liable right?
Accident protection coverage is definitely worth it, you never know when moisture might get in there, even if you're careful it can happen.
T61p, T7800 CPU, Nvidia Quadro FX 570M GPU, WSXGA+ LDC, 4GB RAM, 200GB HDD, Intel 4965AGN wireless, 1GB Intel Turbo Memory, Vista Business 64bit