I hesitate to jump in here, since I have spent many hours trying to figure out this CDW stuff -- tha

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I hesitate to jump in here, since I have spent many hours trying to figure out this CDW stuff -- thanks to Sher, et al I thought I had it figured out. But based on Michael's comments, I now am doubting that. Can someone tell me what's wrong with the following paragraphs????
Last year I rented cars in Portugal monthly car rental twice -- once from Carjet, once from Economy Car Rentals. I was told by both agencies that under Portuguese law it is impossible to decline the CDW, it comes included the cost of the rental. For CC coverage, though, declining the car rental agency's CDW is required. By the time we figured out the problem, we were already back safely with no incident on our Carjet rental. And since, monthly car rental for our second rental, Economy told us that they had a free "super CDW" included in the price, we didn't worry about it for that trip.
I'm going to be in Portugal again in a few weeks and have two car rentals monthly car rental reserved, once again with Budget through Carjet. My understanding had been, based on another long thread/s here, that I should buy out the super CDW at the counter, monthly car rental which for Budget monthly car rental is about 9E a day or run the risk of whatever is left uncovered under the normal CDW, because my CC won't cover it.
There may have been a change in Portuguese law. However, one way of checking if you can decline the CDW is to look at the Kemwel or AutoEurope listing. If they offer two different prices per car, one of which would be the basic , it suggests that you can decline the CDW ("basic" price does not include CDW). Whether other brokers include monthly car rental that possibility is another question.
Usually included in the basic price you pay is some CDW. With your contract you are not responsible for the full damage monthly car rental to a car if you total it if you meet their requirements. That is if you are not negligent. And you are not responsible usually monthly car rental for $10,000 worth. Listed on the rental agreement will be an "excess". This is the amount you must pay if you damage the car up to that amount.
We also rented with AutoEurope and it ended up being Avis as well. We paid for the CDW through AutoEurope and declined additional insurance with Avis because we were covered through AE. It was optional though, so you must be able to decline monthly car rental it?
We booked with Avis twice, online for pickup at the airport (not offsite), and used AMEX. We declined the additional insurance. The quote was in US dollars and the credit card was charged at a converted rate.
I just reserved a car through portugalautorental.com . After i read the terms and conditions, I understand the following: the rental price include a CDW (collision damage waiver), but they will block o sum - depending on the car type -, on your credit card; if anything monthly car rental happens to the car - even if is your fault or not -, they will take from the sum they blocked the amount necessary for the reparations; monthly car rental it doesn't matter if the cost of reparation exceed this sum, you will be held responsable only for the amount they blobked; but, if you take the Super CDW, for an amount charged for every day of rental they will not block any sum on your credit card, and you will not be held responsable for anything that happens monthly car rental to the car, unless you drive drunk for example.
If I am reading your post correctly as you state it then yes. You understand correctly. And this sum they block on your credit card can be called "excess". People in the US would refer to this sum as deductible.
Now. Sometimes you might have a credit card that will credit the blocked amount if you have an accident. The car rental company will still block the amount until you return the car in good conditions. But if you do not return the car in good conditon your credit card will be charged for the damage up to the blocked amount. But your credit card will credit you back this amount if you have this stated monthly car rental in your credit card agreement.
CDW, whether waived or not, only covers damage to your own car. Your injuries would not be covered. Medical care in Europe is relatively monthly car rental cheap, so that the real issue that might come up is the need for evacuation. You would have to purchase that type of insurance independent of your car rental.