For Consumers

How to file a 20-day Insurance Fair Conduct Act (IFCA) notice of potential lawsuit

Can I file suit at any time?

No. If you want to sue your insurance company under the Insurance Fair Conduct Act, you must provide written notice of your intent, and its basis to the insurance company and the Office of the Insurance Commissioner (OIC) 20 days before filing suit.

What should my completed 20-day notice to the OIC look like?

Your written notice to OIC should include a cover sheet and should clearly state the basis for your lawsuit. A cover sheet is not required however, without a cover sheet or clear identification of a notice under IFCA, it is possible your notice will not be recognized and recorded as such.

All information provided to the OIC becomes subject to the Public Records Act. Please do not include any additional supporting documents, personal or confidential information such as medical records/information, Social Security numbers, banking information, driver's license information, etc. with your submission to OIC. Additional supporting documents submitted to OIC are not required and will not be retained.

What happens to my 20-day notice once it’s delivered to the OIC?

  • We date-stamp your notice with the received date.
  • We enter the details of the notice in our tracking log (PDF, 653 KB) which gets posted to our website once a week.

How long must I wait before I can file a lawsuit?

You must allow three business days for mailing, and an additional 20 days before filing your lawsuit.

How do I send my notice?

Use any of the following options, allowing three business days for delivery:

  • Postal mail
  • Registered mail
  • Certified mail, with return receipt requested

Where do I send my notice?

To the insurer

If you need the address for your insurer, you can use our company lookup page to find it.

To the Office of the Insurance Commissioner

Office of the Insurance Commissioner
IFCA Claim Notification
Attn: Office Support Unit
P.O. Box 40255
Olympia, WA 98504-0255

All information provided to the OIC becomes subject to the Public Records Act. Please do not include any personal or confidential information such as medical records/information, Social Security numbers, banking information, driver's license information, etc. with your submission to OIC.