Washington State Office of the Insurance Commissioner

Rental Car Agents

A rental car company, or officer, director, employee, or agent of a rental car company, may not offer, sell, or solicit the purchase of rental car insurance unless that person is licensed under chapter 48.17 RCW or is licensed as rental car agent.

Forms:

  1. Rental Car Agent Application (PDF 41Kb) completed and signed by the applicant, an officer of the applicant or owner of the rental car company.
  2. A copy of the Articles of Incorporation or Formation if a corporation or LLC
  3. An appointment, INS-18 (PDF 13Kb), as an agent completed by each authorized insurer(s) authorizing the applicant to represent the insurer. The appointment is due at time of application, unless the appointment is going to be submitted electronically through the National Insurance Producer Registry (NIPR) within thirty (30) calendar days of the acceptance of the first insurance application executed b y the agent with the insurer.
  4. Certification RCA 1 completed by the appointing insurer stating that the insurer has satisfied itself that the applicant is trustworthy and competent to act as its rental car agent, limited to this purpose; and the insurer has reviewed the endorsee training and education program required by RCW 48.115.020(4) and believes that it satisfies the statutory requirements
  5. List of all location in Washington RCA 2 (PDF 27Kb) that the car rental agent intends to offer rental car insurance, name of each manager or direct supervisor, and names of all endorsees.
  6. Copies of the training and education program and materials as described in RCW 48.115.020(4).
  7. The brochure or other written materials regarding the program that will be available at every location where car rental insurance is sold as describe in WAC 284-17B-060.
  8. The insurer must certify that the policy or certificate of coverage and the rates have been approved and that the wording on the written material is exactly as approved.
  9. Unless a fiduciary relationship is desired, written consent of the insurer, RCA 3 (PDF 18Kb) signed by an officer of the insurer, that premiums need not be segregated from other funds received by the vendor

Fees:

License fee for two years: $130 for business with under 50 employees
  $375 for business with 50 or more employees
Appointment fee: $20 for each underwriting insurer. If the appointment is submitted electronically through NIPR, fees are to be paid to them. Do not send $20 to our office for the appointment if it is being processed through NIPR.
Location fee: $35 for each additional location. Location fees are not required for locations where there are no endorsees due to waiver or approved alternate arrangement under WAC 284-17B-080

WAC 284-17B-080

Can the commissioner waive requirements or allow alternative mechanisms for the reporting or training and education requirements?  

Yes. The commissioner may waive or accept alternate arrangements for some or all of the reporting requirements in WAC 284-17B-020 and the endorsee training and education requirements in WAC 284-17B-040 when the endorsees receive no compensation in any form based on the offering or sale of rental car insurance. A request for an alternative arrangement or waiver must be in writing. The request must detail why the reporting or training and education requirement is unduly burdensome due to cost or the nature of the business structure. The request must detail how consumers will be adequately protected under the proposed alternate arrangement or the proposed waiver. A new request must be filed at the time of license renewal.


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