Rental car insurance is insurance that:
(1) provides coverage for periods of less than 90 days;
(2) applies only to the rental car subject to the rental agreement; and
(3) is limited to the following kinds of insurance:
(a) personal accident insurance for renters and other rental car occupants, for accidental death or dismemberment, and for medical expenses resulting from an accident that occurs with the rental car during the rental period;
(b) liability insurance that provides protection to the renters and other authorized drivers of a rental car for liability arising from the operation or use of the rental car during the rental period;
(c) personal effects insurance that provides coverage to renters and other vehicle occupants for loss of or damage to personal effects in the rental car during the rental period; or
(d) motor club services, as defined in 61-12-301.