Washington State Office of the Insurance Commissioner

Alphabetical Index to Frequently Used Statutes and Regulations

Property and Casualty

A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X Y Z

A

Advisory Organizations

See Bureaus
Agents/Brokers Bulletin 92-4
  Agent defined 48.17.010
Broker defined 48.17.020
Broker Compensation TAA T 04-05
Broker's fees to be disclosed 284-30-750
Communications Equipment 48.120
284-17A
Specialty Producer License 48.120.005(5)
284-17A-020(5)
Supervising Agent Defined 48.120.005(6)
284-17A-020(6)
Failure to acknowledge pertinent communications 284-30-360
General agents, managers – Appointment – Powers – Licensing 48.05.310
License required – Exceptions 48.17.060
Limited license 48.17.190
Policies to be delivered, not held by agents 284-30-580
Rental Car Insurance 48.115, 284-17B
Aircraft Exempt from rate filing requirements 48.19.010(1)(d)
Form Filing Requirements 48.18.103
Applications Applications and Binders 284-30-560
As Evidence 48.18.080
Fraud Statement 48.135.080
When Required To Be Filed 48.18.100(1)
Appraisal Unfair practices 284-30-330(17),(18)
Arbitration 7.04A
7.70A
Auto Abstract of Driving Record – Confidentiality 46.52.130
Abstract of Driving Record – 3 Year History 284-30-500(3)
Betterment Bulletin 96-1
284-30-3902(4)
Claims settlement 284-30-390 thru
-3916
-395
Commercial Vehicle Driving Record – When Not Considered 48.30.310
Debt and Financing Coverage 48.22.060
Defined 48.22.005(1)
Discounts
  • Anti Theft Devices/Driving Lights et al
48.19.501
  • Completion of Accident Prevention Course
48.19.480
  • Over 55 – Required
48.19.460
.470
.490
  • Seat Belts/Other Life Saving Devices
48.19.500
Family or Household Exclusions 284-30-500(1)(b)
Farm Tractor, Vehicle 46.04.180
.181
46.16.025
Financial Responsibility 46.29
Mandatory Liability Insurance 46.30.020
Minimum Liability Limits 46.29.090
Moped registration 46.16.630
Off Road Vehicles 46.09
Payment plans 48.18.140(4)
Personal Injury Protection (PIP)
  • Defined
48.18.297
  • Exceptions
48.22.090
  • Minimum and optional higher limits
48.22.095
.100
  • Rejection by Insured
48.22.085(2)
Private Passenger Auto
  • Cancellation Notice – # Days Required
48.18.291(1)
  • Reasons for Cancellation
48.18.291(2)
  • Renewal Required – # Days Notice
48.18.292
Rental Car Insurance 48.115
284-17B
Snowmobiles 46.10
Underinsured Motorists 48.22.030
.040
Unfair Claims Settlement Practices 284-30-390
-3901
Vehicle Insurance Defined 48.11.060
Vehicle Licenses 46.16
Wheelchair conveyances, power wheelchair 46.04
.710
46.16.640
204-92
^back to top^

B

BindersAgent’s liability 48.18.240
Applications and Binders 284-30-560
Duration 48.18.230
Receipt of premium – contents of receipt 48.18.220
Right of debtor or borrower to select agent , broker, insurer 48.30.260
Brokers See Agents
Bureaus Advisory organizations 48.19.320
.330
.340
Cooperative Activities 48.19.250
Filings by rating bureau 8.19.050
Notice of Changes 48.19.200
Rating organization license 48.19.160
.170
.180
.190
Rules Cannot Affect Dividends 48.19.240
Subscribers – Rights, limitations 48.19.140
.150
.210
.220
.230

C

Cancellation / Non-renewal Actual Reason Must Be Disclosed 48.18.290(1)(a)(ii)
.290(1)(b)(ii)
.2901(1)(a)
.291(1)
.292(1)(a)
.293
284-30-570
Agency Contract Termination 48.17.591
Cancellation by Insured 48.18.300
TAA T98-5
Cancellation by Insurer 48.18.290
.291
Credit History or Insurance Score 48.18.545
TAA T2005-06
Discrimination Prohibited 48.30.300
284-30-572
Fire Insurance – Arson Fraud Reduction 48.53.030
Independent Evaluation 84-30-574
Nonrenewal 48.18.2901
.292
Notice to Agent 48.18.289
Premium Finance Company 48.56.110
.120
Private Passenger Auto
  • Inapplicable Contracts
48.18.296
  • Notice Requirements
48.18.291
.292
  • Proof of Mailing
48.18.293(1)
Restrictions
  • Day-Care Operations
284-30-700
  • Foster Parents
48.18.565
  • Handicaps
48.30.320
  • Victims of Domestic Abuse
48.18.550
  • Victims of Malicious Harassment
48.18.553
Unfair Practices 284-30-590
Certificate of Authority 48.05.030
.040
.050
Combination Policies 48.18.250
48.19.360
Company Name 48.05.190
48.18.140(1)(a)
Company Must Respond Promptly 284-30-650
Condominium Associations 64.34.268
.352
Courts – Washington Jurisdiction 48.18.200(1)(b)
Credit Insurance – Single Premium Residential Mortgage Loan 48.18.543
^back to top^

D

Day Care Joint Underwriting Association 48.88
284-78
Restrictions on denial of Homeowners Insurance 284-30-700
Self Insurance 48.90
Deemed Filings Forms 48.18.100(3)
Rates/Rules 48.19.060(2)
Definitions Adopted Children 48.01.180
Advisory Organization 48.19.320
Agent 48.17.010
Automobile (PIP) 48.22.005(1)
Broker 48.17.020
Domestic Abuse 48.18.550(5)
Disability 48.11.030
General Casualty 48.11.070
Insurable Interest – Property 48.18.040
Insurance 48.01.040, .060
Insured (PIP) 48.22.005(5)
Insurer 48.01.050
Malicious Harassment 48.18.553(1)(b)
Marine and Transportation 48.11.050
Named Insured (PIP & UIM) 48.22.005(9)
Ocean Marine and Foreign Trade 48.14.050
Person 48.01.070
Personal Injury Protection (PIP) 48.22.005(12)
Premium 48.18.170
Private Passenger Auto 48.18.297
Property 48.11.040
Rate Standard 284-24-065(1)
Stop Loss 48.11.030
Surety 48.11.080
Title 48.11.100
Underinsured Motor Vehicle 48.22.030(1)
Vehicle 48.11.060
Delivery of Policy 48.18.260
284-30-580
Deviations From Filings Forms 48.18.100(7)
.103(8)
Rates 48.19.280
Discrimination Prohibited 284-30-572
48.18.480
  Public Interest 48.01.030
Rating Organization 48.19.140
Unfair Discrimination 48.30.300
Dividends 48.18.340
48.30.100
Domestic Abuse 48.18.550
TAA T98-3
^back to top^

E

Effective Date of Filings Forms 48.18.100
.103
Rates/Rules 48.19.040(4)
.043, .060, .070
Eligibility Guidelines / Requirements Credit History / Insurance Score 48.18.545
48.19.035(2)(b)
48.19.035(2)(b)
48.19.035(2)(b)
TAA T2005-06
Examination of Contracts 48.19.410

F

Fair Plan 284-19
Fees Broker Fees to be Disclosed 284-30-750
Charges for Extra Services Applying To Agents/Brokers 48.30.157
Premium Defined 48.18.170
Premium Must Include All Charges 48.18.180
Filings - Forms 48.18
  By Rating Bureau 48.19.050
Certification 284-58-260
Contents of Filing 284-58-250
Deemed Filings 48.18.100(3)
Deviations 48.18.100(7)
.103(8)
Extensions 48.18.100(3)
.103(4)
Filing Not Required For
  • Large Commercial Accounts
284-20-150
  • Manuscript Forms
48.18.100(1)(d)
.103(3)(b)
  • Ocean Marine
48.18.010
  • Surety Bond Forms
48.18.100(1)(a)
  • Surplus Line Coverages
48.18.100(1)(e)
284-20-100
Grounds for Disapproval 48.18.110
Transmittal Form 284-58-250(1)
Types of Filings 284-58-020
Use & File Procedures TAA T97-3
Validity of Noncomplying Forms 48.18.510
Filings - Rates / Rules 48.19
  By Rating Bureau 48.19.050
Content 48.19.040
Credit Scoring TAA T03-01
Deemed Filings 48.19.060(2)(b)
.070
Deviations 48.19.280
Disapproval of Filing 48.19.100
.110
.120
Extensions 48.19.043(3)
.060
Filing Not Required For
  • (a) Rates
284-24-070
  • Aircraft
48.19.010(1)(d)
  • Large Commercial Accounts
284-24-120
  • Ocean Marine
48.19.010(1)(e)
  • Reinsurance
48.19.010(1)(c)
  • Surplus Line Coverages
284-24-060
Inland Marine Risks 284-24-080
Loss Costs 284-24-062
Title Insurance 48.29.140
Transmittal Form 284-24-005
Use & File Procedures TAA T97-3
Waiver of Filing 48.19.080
Financial Responsibility 46.29
Forced Place Insurance See Vendor Single Interest
Forms Ambiguous 48.18.110(1)(c)
Approval May Be Withdrawn 48.18.100(3)
Charter or Bylaw Provisions 48.18.160
Construction of Policies 48.18.520
Contents of Policies 48.18.140
Filing Requirements See Filings – Forms
Policy Must Contain Entire Contract 48.18.190
Standard Fire Policy 48.18.120(1)
284-20-010
Voidance of Policy or Form 48.18.090
.320
.350
.510
Fraud Arson Fraud Reduction 48.53
  False Claims 48.30.230
Fraud Program 48.135
Insurance Fraud 48.30A
Reporting Immunity Act 48.50
Statement Required – Applications and Claim Forms 48.135.080
^back to top^

G

Gap Insurance 48.22.060
General Casualty Insurance 48.11.070
Grounds for Disapproval Forms 48.18.110
  Rates 48.19.100

H

Health Care Risk Management Training Required 48.22.080
Hearings 34.05
48.04
284-02-070

I

Illegal Inducements 48.30.150
Inflation Guard 48.27
Inland Marine Boats 26 feet and under 284-24-080(32)
  Defined 284-20-030
-040
-050
Rate Filings 284-24-080
Insurance ID Card 308-106-010
-020
Insurers - General Requirements 48.05

J

Joint Underwriting Associations Day Care Services 48.88
284-78
Midwifery and Birthing Centers 48.87
284-87
Joint Underwriting or Joint Reinsurance 48.18.250
48.19.360
Jurisdiction 48.18.200

L

Lawsuits48.18.200(1)(c)
Loss Cost Multipliers 284-24-062
Loss Payable & Mortgagee Forms 284-21
48.18.125
Loss Payment 284-30-330(16)

M

Malicious Harassment 48.18.553
Medical Malpractice Arbitration of Health Care Actions 7.70A
Cancellation 48.18.290(1)(b)
Closed Claim Reporting 48.140
Non-Renewal 48.18.2901(1)(a)(ii)
Risk Management Training Required 48.22.080
Underwriting Restrictions 48.18.547
284.20A
Midwifery & Birthing Center, Joint Underwriting Assocation 284-87
48.87
Midterm Changes 48.18.2901
284-30-590(1),(2),(3)
Mortgage & Loss Payable Forms 284-21
48.18.125
Motor Vehicle Service Contracts 48.110
TAA T06-01
  Definition 48.110.020(16)
Filing Requirements 48.110.073(2),(3)
Penalties – Consumer Protection Act 48.110.140
Registration Required 48.110.030
Reimbursement Policy Required 48.110.075(2)(a)
^back to top^

N

Non-Renewal See Cancellation

O

Ocean Marine Filing Not Required 48.18.010
48.19.010
  Marine and Transportation Insurance Defined 48.11.050
Ocean Marine and Foreign Trade Insurance Defined 48.14.050

P

Penalties 48.01.080
  Certificate of Authority – Discretionary Refusal Revocation Suspension 48.05.140
.185
Prompt Response Required 284-30-650
Rates 48.19.430
Rate Wars Prohibited 48.30.240
Personal Injury Protection (PIP) Definition 48.22.005(12)
Coverage Exceptions 48.22.090
Higher Limits 48.22.100
Mandatory Offering 48.22.085
Minimum Limits 48.22.095
Rejection By Insured 48.22.085
Policy Content Construction of Policies 48.18.520
Execution of Policies 48.18.210
General 48.18.140
Legal Name 48.05.190
TAA T2000-06
Misrepresentation of Policies 48.30.090
Policy Must Contain Entire Contract 48.18.190
Time of Inception and Expiration 284-20-020
Policy Fees See Fees
Premium Audit 48.18.140(3)
Definition 48.18.170
Finance Companies 48.56
Illegal Dealings 48.30.190
Must Include All Charges 48.18.180
Waiver Bulletin 82-7
284-30-590(7)(c)
Prior Approval (Personal Lines) 48.18.100
48.19.060
Property Insurance Inception & Expiration Time 284-20-020
Over Insurance Prohibited 48.27
48.30.260(3)(f)
Replacement Insurance 48.27.020
Standard Fire Insurance 48.18.120
284.20.010
Public Access to Filings See Records
Purchasing Groups 48.92
284-92
^back to top^

R

Rates/Rules (a) Rates 284-24-070
Aircraft 48.19.010(1)(d)
Auto Discounts
  • Over 55
48.19.460
.470
  • Seat Belts, Driving Lights, etc.
48.19.500
.501
Excess Rates on Specific Risk 48.19.090
Instructions
Application
Filing Requirements See Filings – Rates/Rules
Loss Costs 284-24-062
Midterm Changes 48.18.2901
284-30-590(1),(2),(3)
Rate Making – Criteria 48.19.030
.035
284-24-065
TAA T05-08
  • Credit History
48.19.035
284-24A
TAA T01-02
  • Operating Ratio
284-24-065(2)
Rate Standard 48.19.020
Rate Wars Prohibited 48.30.240
Rebating 48.30.140
.170
Schedule Rating Plans 284-24-100
Supplementary Rating Information 284-24-062(2)(f)
Territories – Zip Code Boundaries 284-24-110
Title Insurance 48.29.140
WIEB – Audits to test adherence to rate filings 284-20-006
Rating Organizations See Bureaus
Rebates 48.30.140
.170
Records 48.02.120
  Definition 42.17.020(36)
Forms Retention – General Liability 284-20-200
Open To Public Inspection 48.19.040(5)
Photographic Copies as Evidence 5.46.010
Public Records Requests 284-03
Publications and Information Available 284-02-080
Records and Accounts of Insurers 48.05.280
Records of Agents, Brokers, Adjusters 48.17.470
Reproduced Records for Governments and Business 40.20
Reinsurance Joint Reinsurance 48.19.360
Rate Filing Not Required 48.19.010(1)(c)
Riot Reinsurance Reimbursement 48.58
Underwriters’ and Combination Policies 48.18.250
Renewal Required # of Days Notice 48.18.289
.2901
Exceptions/Private Passenger Auto 48.18.292
Renewal Notice 48.18.280
Renewal Certificates – Permitted 48.18.280
Retention of Policy Form 284-20-200
Right of Action 48.18.200(1)(c)
Risk Management Training Program 48.22.080
Risk Retention Groups ∠ Risk Purchasing Groups 48.92
284-92
Rules See Rates/Rules
^back to top^

S

Schedule Rating Plans 284-24-100
Service Contracts 48.110
  Definition 48.110.020(16)
Reimbursement Policy Required 48.110.050(2)
Registration Required 48.110.030
Service, Membership Fees, etc. See Fees
Standard Fire Policy 48.18.120(1)
284-20-010
Statistical Plans 48.19.370
  Medical Professional Liability 284-24C
Property and asualty 284-24B
Stop Loss Insurance 48.11.030
Subrogation Bulletin 79-4
Surety Insurance 48.28
  Definition 48.11.080
Filing Not Required – Forms 48.18.100(1)(a)
Surplus Lines Insurance 48.15.040
284-15
  Cancellation and Renewal 284-30-590(5)
Filing Not Required – Forms 48.18.100(1)(e)
284-20-100
Filing Not Required – Rates 284-24-060

T

Time Limits for Death or Accidental Injury 284-30-620
Time of Inception 48.18.140(2)(d)
284-20-020
Title Insurance 48.29
  Authorization 48.05.330(3)
Defined 48.11.100
Rates 48.29.140
Rebates and Illegal Inducements TAA T06-06
Tract Indexes Defined 284-16-030
Unfair Practices 284-30-800
Tort Reform 48.19.450
Transmittal Forms 284-24-005
284-58-250(1)
Travel Insurance TAA T04-07
  Limited License 48.17.190(1)

U

Underinsured Motorists 48.22.030
.040
Underwriters' & Combination Policies 48.18.250
48.19.360
Underwriting Guidelines/Requirements Credit Scoring – Adverse Action 48.18.545(1)(a)
284-24A-010
-011
-012
TAA T2005-06
Credit Scoring – Eligibility Guidelines 48.19.035(2)(b)
284-24A-032
Medical Malpractice 48.18.547
Unfair Practices 48.30
284-30
  Auto 284-30-500
Advertising 48.30.040
.050
.070
.075
.090
Applications and Binders 284-30-560
Cancellation, Renewals, Changes 48.30.320
284-30-572
-574
-590
-700
Claims Settlement
  • Environmental
284-30-900 thru -940
  • General
284-30-330 thru -380
  • PIP
284-30-395
  • Vehicles
284-30-390 thru -3916
Death Benefit 284-30-620
Discrimination 48.30.300
Dividends 48.30.100
Driving Record 48.30.310
Financial Statements 48.30.030
General 48.30.010
.020
Illegal Dealing In Premiums 48.30.190
Illegal Inducements 48.30.150
Rate Wars 48.30.240
Rebating 48.30.140
Title Insurance 284-30-800
Use and File (most commercial lines) TAA T97-3
  Forms 48.18.103
Rates/Rules 48.19.043
USL & H Assigned Risk Plan 284-22
Plan Creation 48.22.070

V

Vehicle Insurance Defined 48.11.060
Vendor Single Interest/Collateral Protection 48.22.110 thru .135
Voidance of Policy or Form Annulment of Liability Policies 48.18.320
Breach of Warranty Prior to Loss 48.18.350
Validity of Non-Complying Forms 48.18.510
Warranties and Misrepresentations 48.18.090

W

Warranties & Misrepresentations 48.18.090
WIEB Examination of Contracts 48.19.410
Rate Filing Audits 284-20-006
Workers Compensation/Industrial Insurance Title 51
  Self Insurers – Max 80% of Liability Insured 51.14.020(5)
^back to top^