For Consumers

Insurance Fair Conduct Act (IFCA) laws and rules

The statute references below all link to the Washington state Legislature website (

Laws and rules regarding the Insurance Fair Conduct Act (IFCA)



RCW 48.30.010

Unfair practices in general - Remedies and penalties

RCW 48.30.015

Unreasonable denial of a claim for coverage or payment of benefits

WAC 284-30-330

Specific unfair claims settlement practices defined

WAC 284-30-350

Misrepresentation of policy provisions

WAC 284-30-360

Standards for the insurer to acknowledge pertinent communications

WAC 284-30-370

Standards for prompt investigation of a claim

WAC 284-30-380

Settlement standards applicable to all insurers