I learned the hard way that CDW (collision damage waiver) is not the same USA/Europe as it is in the DR. When I first came to live to DR, I rented a car from Alamo, and unfortunately had a rear fender-bender hitting a car in front of me (it was raining and the drive in front of me stopped abruptly). Anyway, I was hit with a US$700 deductible which was deducted from my VISA debit card, which I later disputed and won. During that time I learned than in the DR, the CDW you BUY at the counter usually carries a 500 to 700 USD deductible, and they have $0 deductible super-CDW which costs about the same as regular CDW but they don't tell you about it (they also do not mention the deductible even though it's written in the contract with fine print). I guess in my dispute with CC company I was lucky that the rental company either did not respond to the merchant documentation request or when the bank was reviewing the contract it saw I had CDW and didn't notice the deductible. But I guess, by finding out about the "Dominican ma?ana" the rental company did not respond to CC company documentation request.