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WashingtonSB 57212025-2026 Regular SessionSenateWALLET

Enhancing consumer protections for automobile insurance coverage.

Sponsored By: Derek Stanford (Democratic)

Became Law

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 0 benefits, 0 costs, 1 mixed.

Appraisal right for car damage claims

Beginning January 1, 2026, auto policies with first‑party physical damage coverage must include an appraisal clause. You or the insurer can demand appraisal to settle the car’s actual cash value or amount of loss. Each side must pick a competent, disinterested appraiser within 10 days and notify the other side. Appraisers must each value the car and the loss, make separate findings for each part, exchange reports, and finish in 30 days; if more time is needed, the appraiser explains the reason before day 25 and documents it. If the appraisers do not agree, they choose a disinterested umpire; after 15 days, the Insurance Commissioner identifies one. A decision is binding when any two (both appraisers, or one appraiser and the umpire) agree. You pay your own appraiser, and both sides split the umpire’s cost. The law defines “competent,” “disinterested,” and “umpire,” and lets the Insurance Commissioner set rules.

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Sponsors & Cosponsors

Sponsor

  • Derek Stanford

    Democratic • Senate

Cosponsors

  • Bob Hasegawa

    Democratic • Senate

  • Emily Alvarado

    Democratic • House

  • Javier Valdez

    Democratic • Senate

  • Lisa Wellman

    Democratic • Senate

  • Marcus Riccelli

    Democratic • Senate

  • T'wina Nobles

    Democratic • Senate

  • Member 14205

    House

  • Member 27504

    House

  • Yasmin Trudeau

    Democratic • Senate

Roll Call Votes

All Roll Calls

Yes: 171 • No: 23

Senate vote • 4/22/2025

Final Passage as Amended by the House

Yes: 46 • No: 2

House vote • 4/14/2025

Final Passage as Amended by the House

Yes: 96 • No: 1 • Other: 1

Senate vote • 3/7/2025

3rd Reading & Final Passage

Yes: 29 • No: 20

Actions Timeline

  1. Effective date 7/27/2025.

    5/20/2025Senate

  2. Chapter 394, 2025 Laws.

    5/20/2025Senate

  3. Governor signed.

    5/20/2025legislature

  4. Delivered to Governor.

    4/25/2025legislature

  5. President signed.

    4/24/2025legislature

  6. Speaker signed.

    4/24/2025legislature

  7. Passed final passage; yeas, 46; nays, 2; absent, 0; excused, 0.

    4/22/2025Senate

  8. Senate concurred in House amendments.

    4/22/2025House

  9. Third reading, passed; yeas, 96; nays, 1; absent, 0; excused, 1.

    4/14/2025Senate

  10. Rules suspended. Placed on Third Reading.

    4/14/2025Senate

  11. Committee amendment(s) adopted with no other amendments.

    4/14/2025Senate

  12. Rules Committee relieved of further consideration. Placed on second reading.

    4/8/2025Senate

  13. Referred to Rules 2 Review.

    4/2/2025Senate

  14. Minority; without recommendation.

    4/2/2025Senate

  15. Minority; do not pass.

    4/2/2025Senate

  16. CPB - Majority; do pass with amendment(s).

    4/2/2025Senate

  17. CPB - Executive action taken by committee.

    4/2/2025Senate

  18. First reading, referred to Consumer Protection & Business.

    3/9/2025Senate

  19. Third reading, passed; yeas, 29; nays, 20; absent, 0; excused, 0.

    3/7/2025Senate

  20. Rules suspended. Placed on Third Reading.

    3/7/2025Senate

  21. Floor amendment(s) adopted.

    3/7/2025Senate

  22. Placed on second reading by Rules Committee.

    3/3/2025Senate

  23. Passed to Rules Committee for second reading.

    2/21/2025Senate

  24. Minority; without recommendation.

    2/20/2025Senate

  25. Minority; do not pass.

    2/20/2025Senate

Bill Text

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