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WashingtonSB 57212025-2026 Regular SessionSenateWALLET

Enhancing consumer protections for automobile insurance coverage.

Sponsored By: Derek Stanford (Democratic)

Signed by Governor

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Bill Overview

Analyzed Economic Effects

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

New appraisal rights for Washington auto policyholders

Washington auto policies issued or renewed on or after January 1, 2026, must include appraisal rights for physical-damage coverage. This covers claims for damage to your own vehicle. The policy's appraisal terms must be at least as favorable to you as the law requires. When you and your insurer disagree on vehicle value or the loss amount, either side can demand appraisal in writing. Within 10 days, each side must choose an appraiser and notify the other side. Appraisers must have relevant expertise, training, and experience, with no direct financial stake in the outcome. Each must assess the vehicle's actual cash value and loss amount, then exchange complete appraisals. Appraisals are due within 30 calendar days after selection. An appraiser needing more time must give the other appraiser a reasonable explanation before 25 days pass. The extension must be recorded in that appraiser's file. If the appraisers disagree, they must choose an umpire meeting the same expertise and financial-independence standards to resolve their differences. If they cannot choose one within 15 days, either appraiser can ask the insurance commissioner to identify a registered umpire. Agreement between both appraisers, or between one appraiser and the umpire, sets a binding loss amount. You pay your own appraisal expenses and half the umpire's cost; your insurer pays the rest. The commissioner can adopt rules to carry out this process.

Sponsors & Cosponsors

Sponsor

  • Derek Stanford

    Democratic • Senate

Cosponsors

  • Bob Hasegawa

    Democratic • Senate

  • Emily Alvarado

    Democratic • Senate

  • Javier Valdez

    Democratic • Senate

  • Lisa Wellman

    Democratic • Senate

  • Marcus Riccelli

    Democratic • Senate

  • T'wina Nobles

    Democratic • Senate

  • Tina Orwall

    Democratic • Senate

  • Vandana Slatter

    Democratic • Senate

  • 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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