Kacee It is quite common on European and Latin American rentals to have CDW coverage with a deductible. It can be as high as $2500 for a total loss, depending on a car class.
This way the still bill for small damage.
For additional fees deductible can be halved, and even brought to zero.

In the USA standard CDW includes full coverage without deductible.

The rules for any credit card coverage: if CDW is accepted, they do not cover anything