A rental car insurance producer may not:
(1) Offer, sell, or solicit the purchase of insurance except in conjunction with and incidental to rental car agreements;
(2) Advertise, represent, or otherwise portray itself or any of its employees or agents as licensed insurers or insurance producers;
(3) Pay any person, including a rental car insurance producer endorsee, any compensation, fee, or commission that is dependent primarily on the placement of insurance under the license issued under this chapter;
(4) Make any statement or engage in any conduct, express or implied, that would lead a customer to believe that the:
(a) Insurance policies offered by the rental car insurance producer do not provide a duplication of coverage already provided by a renter's personal automobile insurance policy, homeowners' insurance policy, or by another source of coverage;
(b) Purchase by the renter of rental car insurance is required in order to rent a rental car from the rental car insurance producer; and
(c) Rental car insurance producer or the rental car insurance producer's endorsees are qualified to evaluate the adequacy of the renter's existing insurance coverages.