Property and casualty insurance laws and rules

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Topic WAC and RCW number(s)

A

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Advisory Organizations

See Bureaus
Agents See Insurance Producers
Air Rescue & Evacuation 48.01.280
Aircraft Exempt from rate filing requirements 48.19.010(1)(d)
Form Filing Requirements 48.18.103
Applications Applications and Binders 284-30-560
Applications and Policyholder Notices 284-20B-110
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 284-30-390(7)
Claims settlement 284-30-390 thru
-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

48.22.005(12)

Exceptions

48.22.090

Mandatory offering

48.22.085

284-20-300

Minimum and optional higher limits

48.22.095
.100

Rejection by Insured

48.22.085(2)

Unfair Claims Settlement Practices

284-30-395
Personal Vehicle Sharing Programs 48.175
Private Passenger Auto
Defined 48.18.297

Cancellation Notice - # Days Required

48.18.291(1)

Cancellation - Reasons

48.18.291(1)

284-30-570

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 thru
-394

Usage-Based Insurance 48.18.600
Vehicle Insurance Defined 48.11.060
Vehicle Licenses 46.16
Wheelchair conveyances, power wheelchair 46.04.710
46.16.640
204-10-080

B

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Binders Applications and Binders 284-30-560
Duration 48.18.230
Insurance Producer's or Title Insurance Agent's Liability 48.18.240
Receipt of premium - contents of receipt 48.18.220
Right of debtor or borrower to select insurance producer or insurer 48.30.260
Brokers See Insurance Producers
Bureaus Advisory organization rules 48.19.320
.330
.340

284-20B-005(1)

-090

284-24-001(1)

-049

Cooperative Activities 48.19.250
Filing Authorization 284-20B-060

-080

284-24-041

Filings by rating bureau 48.19.050
Member or subscriber defined 284-20B-005(7)

284-24-001(7)

Notice of Changes 48.19.200
Rating organization license 48.19.160
.170
.180
.190
Rating organization or bureau rules 284-20B-005(11)

-070

284-24-001(12)

-046

Rules Cannot Affect Dividends 48.19.240
Subscribers - Rights, limitations 48.19.140
.150
.210
.220
.230

C

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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
284-30-590(8)
Cancellation by Insurer 48.18.290
.291
Credit History or Insurance Score 48.18.545
Discrimination Prohibited 48.30.300
284-30-572
Fire Insurance - Arson Fraud Reduction 48.53.030
Independent Evaluation 284-30-574
Nonrenewal 48.18.2901
.292
Notice to Insurance Producer or Title Insurance Agent 48.18.289
Portable Electronics 48.18.278
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(2)
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
Certificates of Insurance 284-30-355
Combination Policies 48.18.250
48.19.360
Company Name

48.05.190
48.18.140(2)(a)

284-30-670

Company Must Respond Promptly 284-30-360 thru 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
Crop Adjusters 284-17-700

D

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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 Adjusters 48.17.010(1)
Adopted Children 48.01.180
Advisory Organization 48.19.320

284-20B-005(1)

284-24-001

Automobile (PIP) 48.22.005(1)
Credit Insurance 48.11.070(9)

.080(1)

Domestic Abuse 48.18.550(5)
Disability 48.11.030
First Party Claimant 48.30.015(4)
General Casualty 48.11.070
Insurable Interest - Property 48.18.040
Insurance 48.01.040, .060
Insurance Producer 48.17.010(5)
Insurance Score 48.18.545(1)(f)

48.19.035(1)(d)

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 48.11.105
Person 48.01.070
Personal Injury Protection (PIP) 48.22.005(12)
Portable Electronics 48.120.005(5)
Premium 48.18.170
Private Passenger Auto 48.18.297
Property Insurance 48.11.040
Rate Standard 284-24-065(1)
Stop Loss 48.11.030
Surety 48.11.080
Title 48.11.100
Title Insurance Agent 48.17.010(15)
Travel Insurance 284-17-001(17)
Underinsured Motor Vehicle 48.22.030(1)
Vehicle 48.11.060
Delivery of Policy 48.18.260

284-01-050
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

E

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Effective Date of Filings Forms 48.18.100
.103

284-20B-130

Rates/Rules 48.19.040(4)
.043, .060, .070

284-24-115

Eligibility Guidelines / Requirements Credit History / Insurance Score 48.18.545
48.19.035(2)(b)
284-24A-032
Examination of Contracts 48.19.410

F

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Fair Plan 48-58

284-19

Fees Charges for Extra Services Applying To Insurance Producers 48.30.157
Insurance Producers' and Surplus Line Brokers' Fees to be Disclosed 284-30-750
Premium Defined 48.18.170
Premium Must Include All Charges 48.18.180
Filings - Forms 48.18

284-20B

  By Advisory Organization 284-20B-005(1)

-090

By Rating Bureau 48.19.050

284-20B-070

-080

By Third-Party Filer 284-20B-060
Certification 284-20B-030(1)
Complete Filing 284-20B-005(2)

-030

-140

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

284-20B-170

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)
284-20B-160
Filing Rejection 284-20B-040

-050

Grounds for Disapproval 48.18.110
Non-English Forms 284-20B-150
Objection Letter Responses 284-20B-100
Revised or Replaced Forms 284-20B-120
SERFF Filings Required 284-20B-030
Validity of Noncomplying Forms 48.18.510
Filings - Rates / Rules 48.19
  By Advisory Organization 284-24-001(1)

-049

By Rating Bureau 48.19.050

284-24-046

By Third-Party Filer 284-24-041
Complete Filing 48.19.040

284-24-001(2)

-011

Credit Scoring 48.19.035

284-24A

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
Filing Rejection 284-24-016

-021

Inland Marine Risks 284-24-080
Loss Costs 284-24-062
Objection Letter Responses 284-24-051
SERFF Filings Required 284-24-011
Title Insurance 48.29.140
Waiver of Filing 48.19.080
Financial Responsibility 46.29
Flood Insurance Excess Flood - Joint Underwriting Association

48.164

284-164

  Flood Notice 48.27.030
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

G

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Gap Insurance 48.22.060
General Casualty Insurance 48.11.070
Grounds for Disapproval Forms 48.18.110
  Rates 48.19.100
Guaranteed Asset Protection Waivers   48.160

H

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

I

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Illegal Inducements 48.30.150
Inflation Guard 48.27
Inland Marine Boats 26 feet and under 284-24-080(4)
  Defined 284-20-030
-040
-050
Rate Filings 284-24-080
  Travel Coverage 284-24-080(29)
Insurance ID Card 308-106-010
-020
Insurance Producers  

48.17

284-12

284-17

  Examination of applicants - Exemptions 48.17.110
  Insurance Producer defined 48.17.010(5)
  Insurance Producers' and Surplus Line Brokers' fees to be disclosed

284-30-750

  Insurance Producer license - Exceptions 48.17.062
  Policies to be delivered, not held by agents 284-30-580
  Portable Electronics

48.120

48.17.071

284-17-001(15)

284-17-035

284-17-046

  Rental Car Insurance 48.115

284-17B

  Self Service Storage 48.170
  Surplus Line Broker Licensing

48.15.070

.073

  Travel Insurance

284-17-001(17)

284-17-011

Insurers - General Requirements   48.05

J

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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

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Lawsuits 48.18.200(1)(c)
Loss Cost Adjustments 284-24-062
Loss Payable & Mortgagee Forms 284-21
48.18.125
Loss Payment 284-30-330(16)

M

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Malicious Harassment 48.18.553
Medical Malpractice Arbitration of Health Care Actions 7.70A
Cancellation 48.18.290(1)(b)
Closed Claim Reporting - Attorneys and Claimants 7.70.140

284-24E

Closed Claim Reporting - Insuring Entities 48.140, 284-24D
Non-Renewal 48.18.2901(1)(a)(ii)
Risk Management Training Required 48.22.080
Statistical Plans 284-24C
Underwriting Restrictions 48.18.547
284.20A
Midwifery and Birthing Center, Joint Underwriting Association 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
  Definition 48.110.020(16) 284-20C-005
Effective Date Rules 284-20C-070
Filing Rejection 284-20C-030

-040

Filing Requirements 48.110.073(2),(3) 284-20C
Non-English Contracts 284-20C-110
Penalties - Consumer Protection Act 48.110.140
Registration Required 48.110.030
Reimbursement Policy Required 48.110.075(2)(a)
SERFF Filings Required 284-20C-020
Third-Party Filers 284-20C-050

N

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Non-English Forms 284-20B-150
Non-Renewal See Cancellation

O

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Ocean Marine Filing Not Required 48.18.010
48.19.010(1)(e)
  Marine and Transportation Insurance Defined 48.11.050
Ocean Marine and Foreign Trade Insurance Defined 48.11.105

P

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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
284-20-300

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 48.05.190 284-30-670
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
Policyholder Notices 284-20B-110
Portable Electronics Definition 48.120.005(5)
Cancellation/Nonrenewal 48.18.278
Filings - Forms

48.18.100

48.18.103(6)

Filings - Rates/Rules

48.19.040

48.19.043(5)

284-24-080(25)

Independent Adjusters 48.17.071
Specialty Producers License 48.120
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 284-30-590(7)(c)
Prior Approval(Personal Lines) 48.18.100
48.19.060
Private Air Ambulance Service 48.01.280
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(1)
284.20.010
Public Access to Filings See Records
Purchasing Groups 48.92
284-92

R

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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

Credit History

48.19.035
284-24A

Operating Ratio

284-24-065(2)
Rate Standard 48.19.020 284-24-065(1)
Rate Wars Prohibited 48.30.240
Rebating 48.30.140
.170
Schedule Rating Plans 284-24-100
Supplementary Rating Information 284-24-062(1)(d)
Territories - Zip Code Boundaries 284-24-110
Title Insurance 48.29.140, 284-29A
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(42)
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 Insurance Producers, Title Insurance Agents, 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

S

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Schedule Rating Plans 284-24-100
SERFF (System For Electronic Rate and Form Filing)  
  Forms 284-20B-030
  Rates/Rules 284-24-011
Motor Vehicle Service Contracts 284-20C-020
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
Signature Requirements 48.18.210

Standard Fire Policy 48.18.120(1)
284-20-010
Statistical Plans 48.19.370
  Medical Professional Liability 284-24C
Property and Casualty - Generally 284-24B
Stop Loss Insurance 48.11.030
Subrogation 284-30-393
Surety Insurance 48.28
  Definition 48.11.080
Filing Not Required - Forms 48.18.100(1)(a)
Surplus Lines Insurance 48.15
284-15
  Cancellation and Renewal 284-30-590(5)
Filing Not Required - Forms 48.18.100(1)(e)
284-20B-160
Filing Not Required - Rates 284-24-060

T

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Third-Party Filers  
  Forms 284-20B-060
Rates/Rules 284-24-041
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, 284-29
  Authorization 48.05.330(3)
Defined 48.11.100
Rates 48.29.140, 284-29A
Rebates and Illegal Inducements

48.030.140, .150

284-29-200

Title Insurance Agent defined 48.17.010(15)
Tract Indexes Defined 284-16-030
Tort Reform 48.19.450
Travel Insurance  
  Definition 284-17-001(17)
Filings - Forms 48.18.100
Filings - Rates/Rules

48.19.040

284-24-080(29)

License 284-17-011

U

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Unauthorized Insurers 48.15
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
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 -395
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 48.30.150
Unreasonable Claim Denial - First Party Claimant 48.30.015
Usage-Based Insurance(Private Passenger Auto) 48.18.600
Use and File(most commercial lines) Forms 48.18.103
Rates/Rules 48.19.043
USL & H Assigned Risk Plan 284-22
Plan Creation 48.22.070

V

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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

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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)

Updated 03/27/2014

See also

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