15 U.S.C. § 6781 — Standard of regulation for motor vehicle rentals

(a) Protection against retroactive application of regulatory and legal action Except as provided in subsection (b), during the three-year period beginning November 12, 1999, there is a presumption that no State law imposes licensing, appointment, or education requirements on a person who solicits the purchase of or sells insurance connected with and incidental to the lease or rental of a motor vehicle.

(b) Preeminence of State insurance law No provision of this section may be understood to alter the validity, interpretation, construction, or effect of—

(1) a State statute;

(2) the prospective application of a court judgment interpreting or applying a State statute; or

(3) the prospective application of a final State regulation, order, bulletin, or other interpretation or action authorized by statute that, in its specific terms, expressly regulates or exempts from regulation a person who solicits the purchase of or sells insurance connected with and incidental to the short-term lease or rental of a motor vehicle.

(c) Scope of application This section applies to—

(1) the lease or rental of a motor vehicle for a total period of 90 consecutive days or less; and

(2) insurance provided in connection with and incidentally to that lease or rental for a consecutive period no longer than the lease or rental period.

(d) Motor vehicle defined For this section, “motor vehicle” has the same meaning as in section 13102 of title 49.