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

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

 

Uniform Arbitration Act

7.04A

Arbitration of Health Care Actions

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 Transportation Services

48.177

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

Uninsured Motorists - Required language when rejected

284-20-300(3)

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

Title Insurance

See Title Insurance

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

Customer Satisfaction Benefits

48.18.610

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

Commercial Transportation Services

48.177

Company Name

48.05.190
48.18.140(2)(a)

284-30-670

Company Must Respond Promptly

284-30-360

-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

48.185

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

Electronic Delivery

48.185

Electronic Signatures

19.360

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

Customer satisfaction benefits

48.18.610

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

48.30.133

.135

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)

 

Coverage Exceptions

48.22.090

Definition

48.22.005(12)

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

42.56

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

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

Ridesharing (Uber, Lyft, Sidecare)

48.177

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 Line 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

Rating organizations

48.29.148

Rebates and Illegal Inducements

48.030.140, .150

284-29-200

Title Insurance Agent defined

48.17.010(16)

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

284-30-340

284-30-350

284-30-355

284-30-360

284-30-370

284-30-380

PIP

284-30-395

Vehicles

284-30-390

284-30-391

284-30-392

284-30-393

284-30-394

284-30-395

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

48.30.020

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

48.22.115

48.22.120

48.22.125

48.22.130

48.22.135

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)