For Consumers

Property and casualty insurance laws and rules

A - Z index by topic

Note: All WAC and RCW links below go to the Washington state Legislature's website (leg.wa.gov).

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

 

TopicWAC and RCW number(s)

A

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Advisory Organizations
 
See Bureaus
AgentsSee Insurance Producers
Air Rescue & Evacuation48.01.280
AircraftExempt from rate filing requirements48.19.010(1)(d)
Form Filing Requirements48.18.103
ApplicationsApplications and Binders284-30-560
Applications and Policyholder Notices284-20B-110
As Evidence48.18.080
Fraud Statement48.135.080
When Required To Be Filed48.18.100(1)
AppraisalUnfair practices284-30-330(17),(18)
Arbitration7.04A
7.70A
AutoAbstract of Driving Record - Confidentiality46.52.130
Abstract of Driving Record - 3 Year History284-30-500(3)
Betterment284-30-390(7)
Claims settlement284-30-390 thru
-395
Commercial Transportation Services48.177
Commercial Vehicle Driving Record - When Not Considered48.30.310
Debt and Financing Coverage48.22.060
Defined48.22.005(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 Exclusions284-30-500(1)(b)
Farm Tractor, Vehicle46.04.180
.181
46.16.025
Financial Responsibility46.29
Mandatory Liability Insurance46.30.020
Minimum Liability Limits46.29.090
Moped registration46.16.630
Off Road Vehicles46.09
Payment plans48.18.140(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 Programs48.175
Private Passenger Auto
Defined48.18.297

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 Insurance48.115
284-17B
Snowmobiles46.10
Underinsured Motorists48.22.030
.040
Unfair Claims Settlement Practices284-30-390 thru
-394

 

Usage-Based Insurance48.18.600
Vehicle Insurance Defined48.11.060
Vehicle Licenses46.16
Wheelchair conveyances, power wheelchair46.04.710
46.16.640
204-10-080

B

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BindersApplications and Binders284-30-560
Duration48.18.230
Insurance Producer's or Title Insurance Agent's Liability48.18.240
Receipt of premium - contents of receipt48.18.220
Right of debtor or borrower to select insurance producer or insurer48.30.260
BrokersSee Insurance Producers
BureausAdvisory organization rules48.19.320
.330
.340

 

284-20B-005(1)

-090

284-24-001(1)

-049

Cooperative Activities48.19.250
Filing Authorization284-20B-060

 

-080

284-24-041

Filings by rating bureau48.19.050
Member or subscriber defined284-20B-005(7)

 

284-24-001(7)

Notice of Changes48.19.200
Rating organization license48.19.160
.170
.180
.190
Rating organization or bureau rules284-20B-005(11)

 

-070

284-24-001(12)

-046

Rules Cannot Affect Dividends48.19.240
Subscribers - Rights, limitations48.19.140
.150
.210
.220
.230

C

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Cancellation / Non-renewalActual Reason Must Be Disclosed48.18.290(1)(a)(ii)
.290(1)(b)(ii)
.2901(1)(a)
.291(1)
.292(1)(a)
.293
284-30-570
Agency Contract Termination48.17.591
Cancellation by Insured48.18.300
284-30-590(8)
Cancellation by Insurer48.18.290
.291
Credit History or Insurance Score48.18.545
Discrimination Prohibited48.30.300
284-30-572
Fire Insurance - Arson Fraud Reduction48.53.030
Independent Evaluation284-30-574
Nonrenewal48.18.2901
.292
Notice to Insurance Producer or Title Insurance Agent48.18.289
Portable Electronics48.18.278
Premium Finance Company48.56.110
.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 Practices284-30-590
Certificate of Authority48.05.030
.040
.050
Certificates of Insurance284-30-355
Combination Policies48.18.250
48.19.360
Commercial Transportation Services48.177
Company Name

48.05.190
48.18.140(2)(a)

284-30-670

Company Must Respond Promptly

284-30-360

-650

Condominium Associations64.34.268
.352
Courts - Washington Jurisdiction48.18.200(1)(b)
Credit Insurance - Single PremiumResidential Mortgage Loan48.18.543
Crop Adjusters284-17-700

D

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Day CareJoint Underwriting Association48.88
284-78
Restrictions on denial of Homeowners Insurance284-30-700
Self Insurance48.90
Deemed FilingsForms48.18.100(3)
Rates/Rules48.19.060(2)
DefinitionsAdjusters48.17.010(1)
Adopted Children48.01.180
Advisory Organization48.19.320

 

284-20B-005(1)

284-24-001

Automobile (PIP)48.22.005(1)
Credit Insurance48.11.070(9)

 

.080(1)

Domestic Abuse48.18.550(5)
Disability48.11.030
First Party Claimant48.30.015(4)
General Casualty48.11.070
Insurable Interest - Property48.18.040
Insurance48.01.040, .060
Insurance Producer48.17.010(5)
Insurance Score48.18.545(1)(f)

 

48.19.035(1)(d)

Insured (PIP)48.22.005(5)
Insurer48.01.050
Malicious Harassment48.18.553(1)(b)
Marine and Transportation48.11.050
Named Insured (PIP & UIM)48.22.005(9)
Ocean Marine and Foreign Trade48.11.105
Person48.01.070
Personal Injury Protection (PIP)48.22.005(12)
Portable Electronics48.120.005(5)
Premium48.18.170
Private Passenger Auto48.18.297
Property Insurance48.11.040
Rate Standard284-24-065(1)
Stop Loss48.11.030
Surety48.11.080
Title48.11.100
Title Insurance Agent48.17.010(15)
Travel Insurance284-17-001(17)
Underinsured Motor Vehicle48.22.030(1)
Vehicle48.11.060
Delivery of Policy

48.18.260

48.185

 

284-01-050
284-30-580

Deviations From FilingsForms48.18.100(7)
.103(8)
Rates48.19.280
Discrimination Prohibited284-30-572
48.18.480
 Public Interest48.01.030
Rating Organization48.19.140
Unfair Discrimination48.30.300
Dividends48.18.340
48.30.100
Domestic Abuse48.18.550

E

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Effective Date of FilingsForms48.18.100
.103

 

284-20B-130

Rates/Rules48.19.040(4)
.043, .060, .070

 

284-24-115

Electronic Delivery 48.185
Electronic Signatures 19.360
Eligibility Guidelines / RequirementsCredit History / Insurance Score48.18.545
48.19.035(2)(b)
284-24A-032
Examination of Contracts48.19.410

F

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Fair Plan48-58

 

284-19

FeesCharges for Extra Services Applying To Insurance Producers48.30.157
Insurance Producers' and Surplus Line Brokers' Fees to be Disclosed284-30-750
Premium Defined48.18.170
Premium Must Include All Charges48.18.180
Filings - Forms48.18

 

284-20B

 By Advisory Organization284-20B-005(1)

 

-090

By Rating Bureau48.19.050

 

284-20B-070

-080

By Third-Party Filer284-20B-060
Certification284-20B-030(1)
Complete Filing284-20B-005(2)

 

-030

-140

Deemed Filings48.18.100(3)
Deviations48.18.100(7)
.103(8)
Extensions48.18.100(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 Rejection284-20B-040

 

-050

Grounds for Disapproval48.18.110
Non-English Forms284-20B-150
Objection Letter Responses284-20B-100
Revised or Replaced Forms284-20B-120
SERFF Filings Required284-20B-030
Validity of Noncomplying Forms48.18.510
Filings - Rates / Rules48.19
 By Advisory Organization284-24-001(1)

 

-049

By Rating Bureau48.19.050

 

284-24-046

By Third-Party Filer284-24-041
Complete Filing48.19.040

 

284-24-001(2)

-011

Credit Scoring48.19.035

 

284-24A

Deemed Filings48.19.060(2)(b)
.070
Deviations48.19.280
Disapproval of Filing48.19.100
.110
.120
Extensions48.19.043(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 Rejection284-24-016

 

-021

Inland Marine Risks284-24-080
Loss Costs284-24-062
Objection Letter Responses284-24-051
SERFF Filings Required284-24-011
Title Insurance48.29.140
Waiver of Filing48.19.080
Financial Responsibility46.29
Flood Insurance Excess Flood - Joint Underwriting Association

48.164

284-164

 Flood Notice48.27.030
Forced Place InsuranceSee Vendor Single Interest
FormsAmbiguous48.18.110(1)(c)
Approval May Be Withdrawn48.18.100(3)
Charter or Bylaw Provisions48.18.160
Construction of Policies48.18.520
Contents of Policies48.18.140
Filing RequirementsSee Filings - Forms
Policy Must Contain Entire Contract48.18.190
Standard Fire Policy48.18.120(1)
284-20-010
Voidance of Policy or Form48.18.090
.320
.350
.510
FraudArson Fraud Reduction48.53
 False Claims48.30.230
Fraud Program48.135
Insurance Fraud48.30A
Reporting Immunity Act48.50
Statement Required - Applications and Claim Forms48.135.080

G

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Gap Insurance48.22.060
General Casualty Insurance48.11.070
Grounds for DisapprovalForms48.18.110
 Rates48.19.100
Guaranteed Asset Protection Waivers 48.160

H

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Health Care Risk Management Training Required48.22.080
Hearings34.05
48.04
284-02-070

I

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Illegal Inducements48.30.150
Inflation Guard48.27
Inland MarineBoats 26 feet and under284-24-080(4)
 Defined284-20-030
-040
-050
Rate Filings284-24-080
 Travel Coverage284-24-080(29)
Insurance ID Card308-106-010
-020
Insurance Producers  

48.17

48.30.133

.135

284-12

284-17

 Examination of applicants - Exemptions48.17.110
 Insurance Producer defined48.17.010(5)
 Insurance Producers' and Surplus Line Brokers' fees to be disclosed

284-30-750

 Insurance Producer license - Exceptions48.17.062
 Policies to be delivered, not held by agents284-30-580
 Portable Electronics

48.120

48.17.071

284-17-001(15)

284-17-035

284-17-046

 Rental Car Insurance48.115

 

284-17B

 Self Service Storage48.170
 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 AssociationsDay Care Services48.88
284-78
Midwifery and Birthing Centers48.87
284-87
Joint Underwriting or Joint Reinsurance48.18.250
48.19.360
Jurisdiction48.18.200

L

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Lawsuits48.18.200(1)(c)
Loss Cost Adjustments 284-24-062
Loss Payable & Mortgagee Forms284-21
48.18.125
Loss Payment284-30-330(16)

M

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Malicious Harassment48.18.553
Medical MalpracticeArbitration of Health Care Actions7.70A
Cancellation48.18.290(1)(b)
Closed Claim Reporting - Attorneys and Claimants7.70.140

 

284-24E

Closed Claim Reporting - Insuring Entities48.140, 284-24D
Non-Renewal48.18.2901(1)(a)(ii)
Risk Management Training Required48.22.080
Statistical Plans284-24C
Underwriting Restrictions48.18.547
284.20A
Midwifery and Birthing Center, Joint Underwriting Association284-87
48.87
Midterm Changes48.18.2901
284-30-590(1),(2),(3)
Mortgage & Loss Payable Forms284-21
48.18.125
Motor Vehicle Service Contracts48.110
 Definition48.110.020(16)284-20C-005
Effective Date Rules284-20C-070
Filing Rejection284-20C-030

-040

Filing Requirements48.110.073(2),(3)284-20C
Non-English Contracts284-20C-110
Penalties - Consumer Protection Act48.110.140
Registration Required48.110.030
Reimbursement Policy Required48.110.075(2)(a)
SERFF Filings Required284-20C-020
Third-Party Filers284-20C-050

N

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Non-English Forms284-20B-150
Non-RenewalSee Cancellation

O

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Ocean MarineFiling Not Required48.18.010
48.19.010(1)(e)
 Marine and Transportation Insurance Defined48.11.050
Ocean Marine and Foreign Trade Insurance Defined48.11.105

P

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Penalties48.01.080
 Certificate of Authority - Discretionary Refusal Revocation Suspension48.05.140
.185
Prompt Response Required284-30-650
Rates48.19.430
Rate Wars Prohibited48.30.240
Personal Injury Protection (PIP)Definition48.22.005(12)
Coverage Exceptions48.22.090
Higher Limits48.22.100
Mandatory Offering

48.22.085
284-20-300

Minimum Limits48.22.095
Rejection By Insured48.22.085
Policy ContentConstruction of Policies48.18.520
Execution of Policies48.18.210
General48.18.140
Legal Name48.05.190284-30-670
Misrepresentation of Policies48.30.090
Policy Must Contain Entire Contract48.18.190
Time of Inception and Expiration284-20-020
Policy FeesSee Fees
Policyholder Notices 284-20B-110
Portable ElectronicsDefinition48.120.005(5)
Cancellation/Nonrenewal48.18.278
Filings - Forms

48.18.100

48.18.103(6)

Filings - Rates/Rules

48.19.040

48.19.043(5)

284-24-080(25)

Independent Adjusters48.17.071
Specialty Producers License48.120
PremiumAudit48.18.140(3)
Definition48.18.170
Finance Companies48.56
Illegal Dealings48.30.190
Must Include All Charges48.18.180
Waiver284-30-590(7)(c)
Prior Approval(Personal Lines)48.18.100
48.19.060
Private Air Ambulance Service48.01.280
Property InsuranceInception & Expiration Time284-20-020
Over Insurance Prohibited48.27
48.30.260(3)(f)
Replacement Insurance48.27.020
Standard Fire Insurance48.18.120(1)
284.20.010
Public Access to FilingsSee Records
Purchasing Groups48.92
284-92

R

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Rates/Rules(a) Rates284-24-070
Aircraft48.19.010(1)(d)
Auto Discounts

Over 55

48.19.460
.470

Seat Belts, Driving Lights, etc.

48.19.500
.501
Excess Rates on Specific Risk48.19.090
Instructions
Application
Filing RequirementsSee Filings - Rates/Rules
Loss Costs284-24-062
Midterm Changes48.18.2901
284-30-590(1),(2),(3)
Rate Making - Criteria48.19.030
.035
284-24-065

Credit History

48.19.035
284-24A

Operating Ratio

284-24-065(2)
Rate Standard48.19.020284-24-065(1)
Rate Wars Prohibited48.30.240
Rebating48.30.140
.170
Schedule Rating Plans284-24-100
Supplementary Rating Information284-24-062(1)(d)
Territories - Zip Code Boundaries284-24-110
Title Insurance48.29.140, 284-29A
WIEB - Audits to test adherence to rate filings284-20-006
Rating OrganizationsSee Bureaus
Rebates48.30.140
.170
Records48.02.120
 Definition42.17.020(42)
Forms Retention - General Liability284-20-200
Open To Public Inspection48.19.040(5)
Photographic Copies as Evidence5.46.010
Public Records Requests284-03
Publications and Information Available284-02-080
Records and Accounts of Insurers48.05.280
Records of Insurance Producers, Title Insurance Agents, Adjusters48.17.470
Reproduced Records for Governments and Business40.20
ReinsuranceJoint Reinsurance48.19.360
Rate Filing Not Required48.19.010(1)(c)
Riot Reinsurance Reimbursement48.58
Underwriters' and Combination Policies48.18.250
Renewal Required# of Days Notice48.18.289
.2901
Exceptions/Private Passenger Auto48.18.292
Renewal Notice48.18.280
Renewal Certificates - Permitted48.18.280
Retention of Policy Form284-20-200
Ridesharing (Uber, Lyft, Sidecare)48.177
Right of Action48.18.200(1)(c)
Risk Management Training Program48.22.080
Risk Retention Groups ∠ Risk Purchasing Groups48.92
284-92
RulesSee Rates/Rules

S

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Schedule Rating Plans284-24-100
SERFF (System For Electronic Rate and Form Filing)  
 Forms284-20B-030
 Rates/Rules284-24-011
 Motor Vehicle Service Contracts284-20C-020
Service Contracts48.110
 Definition48.110.020(16)
Reimbursement Policy Required48.110.050(2)
Registration Required48.110.030
Service, Membership Fees, etc.See Fees
Signature Requirements 48.18.210

 

Standard Fire Policy48.18.120(1)
284-20-010
Statistical Plans48.19.370
 Medical Professional Liability284-24C
Property and Casualty - Generally284-24B
Stop Loss Insurance48.11.030
Subrogation284-30-393
Surety Insurance48.28
 Definition48.11.080
Filing Not Required - Forms48.18.100(1)(a)
Surplus Line Insurance48.15
284-15
 Cancellation and Renewal284-30-590(5)
Filing Not Required - Forms48.18.100(1)(e)
284-20B-160
Filing Not Required - Rates284-24-060

T

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Third-Party Filers  
 Forms284-20B-060
Rates/Rules284-24-041
Time Limits for Death or Accidental Injury284-30-620
Time of Inception48.18.140(2)(d)
284-20-020
Title Insurance48.29, 284-29
 Authorization48.05.330(3)
Defined48.11.100
Rates48.29.140, 284-29A
Rebates and Illegal Inducements

48.030.140, .150

284-29-200

Title Insurance Agent defined48.17.010(15)
Tract Indexes Defined284-16-030
Tort Reform48.19.450
Travel Insurance 
 Definition284-17-001(17)
Filings - Forms48.18.100
Filings - Rates/Rules

48.19.040

284-24-080(29)

License284-17-011

U

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Unauthorized Insurers48.15
Underinsured Motorists48.22.030
.040
Underwriters' & Combination Policies48.18.250
48.19.360
Underwriting Guidelines/RequirementsCredit Scoring - Adverse Action48.18.545(1)(a)
284-24A-010
-011
-012
Credit Scoring - Eligibility Guidelines48.19.035(2)(b)
284-24A-032
Medical Malpractice48.18.547
Unfair Practices48.30
284-30
 Auto284-30-500
Advertising48.30.040
.050
.070
.075
.090
Applications and Binders284-30-560
Cancellation, Renewals, Changes48.30.320
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 Benefit284-30-620
Discrimination48.30.300
Dividends48.30.100
Driving Record48.30.310
Financial Statements48.30.030
General48.30.010
.020
Illegal Dealing In Premiums48.30.190
Illegal Inducements48.30.150
Rate Wars48.30.240
Rebating48.30.140
Title Insurance48.30.150
Unreasonable Claim Denial - First Party Claimant48.30.015
Usage-Based Insurance(Private Passenger Auto)48.18.600
Use and File(most commercial lines)Forms48.18.103
Rates/Rules48.19.043
USL & HAssigned Risk Plan284-22
Plan Creation48.22.070

V

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Vehicle Insurance Defined48.11.060
Vendor Single Interest/Collateral Protection48.22.110 thru .135
Voidance of Policy or FormAnnulment of Liability Policies48.18.320
Breach of Warranty Prior to Loss48.18.350
Validity of Non-Complying Forms48.18.510
Warranties and Misrepresentations48.18.090

W

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Warranties & Misrepresentations48.18.090
WIEBExamination of Contracts48.19.410
Rate Filing Audits284-20-006
Workers Compensation/Industrial InsuranceTitle 51
 Self Insurers - Max 80% of Liability Insured51.14.020(5)