Title 48 — Title 48 INSURANCE
101 chapters · 2,134 sections in this title.
RCW 48.01.010 Short title.
0.4K chars
Title 48 RCW constitutes the insurance code.[ 1975 1st ex.s. c 266 s 2; 1947 c 79 s .01.01; Rem. Supp. 1947 s 45.01.01.]Notes:Severability—1975 1st ex.s. c 266: "If any provision of this 1975 amendatory act, or its application to any person or circumstance is held invalid, the re…
RCW 48.01.020 Scope of code.
0.3K chars
All insurance and insurance transactions in this state, or affecting subjects located wholly or in part or to be performed within this state, and all persons having to do therewith are governed by this code.[1947 c 79 s .01.02; Rem. Supp. 1947 s 45.01.02.]
RCW 48.01.030 Public interest.
0.5K chars
The business of insurance is one affected by the public interest, requiring that all persons be actuated by good faith, abstain from deception, and practice honesty and equity in all insurance matters. Upon the insurer, the insured, their providers, and their representatives rest…
RCW 48.01.035 "Developmental disability" defined.
0.6K chars
The term "developmental disability" as used in this title means a disability attributable to intellectual disability, cerebral palsy, epilepsy, autism, or another neurological condition closely related to an intellectual disability or to require treatment similar to that required…
RCW 48.01.040 "Insurance" defined.
0.2K chars
Insurance is a contract whereby one undertakes to indemnify another or pay a specified amount upon determinable contingencies.[1947 c 79 s .01.04; Rem. Supp. 1947 s 45.01.04.]
RCW 48.01.050 "Insurer" defined.
2.1K chars
"Insurer" as used in this code includes every person engaged in the business of making contracts of insurance, other than a fraternal benefit society. A reciprocal or interinsurance exchange is an "insurer" as used in this code. Two or more hospitals that join and organize as a m…
RCW 48.01.053 "Issuer" defined.
0.2K chars
"Issuer" as used in this title and chapter 26.18 RCW means insurer, fraternal benefit society, certified health plan, health maintenance organization, and health care service contractor.[ 1995 c 34 s 1.]
RCW 48.01.060 "Insurance transaction" defined.
0.3K chars
"Insurance transaction" includes any:(1) Solicitation.(2) Negotiations preliminary to execution.(3) Execution of an insurance contract.(4) Transaction of matters subsequent to execution of the contract and arising out of it.(5) Insuring.[1947 c 79 s .01.06; Rem. Supp. 1947 s 45.0…
RCW 48.01.070 "Person" defined.
0.2K chars
"Person" means any individual, company, insurer, association, organization, reciprocal or interinsurance exchange, partnership, business trust, or corporation.[1947 c 79 s .01.07; Rem. Supp. 1947 s 45.01.07.]
RCW 48.01.080 Penalties.
0.8K chars
Except as otherwise provided in this code, any person violating any provision of this code is guilty of a gross misdemeanor and will, upon conviction, be fined not less than ten dollars nor more than one thousand dollars, or imprisoned for not more than three hundred sixty-four d…
RCW 48.01.100 Existing officers.
0.2K chars
Continuation by this code of any office existing under any act repealed herein preserves the tenure of the individual holding the office at the effective date of this code.[1947 c 79 s .01.10; Rem. Supp. 1947 s 45.01.10.]
RCW 48.01.110 Existing licenses.
0.3K chars
Every license or certificate of authority in force immediately prior to the effective date of this code and existing under any act herein repealed is valid until its original expiration date, unless earlier terminated in accordance with this code.[1947 c 79 s .01.11; Rem. Supp. 1…
RCW 48.01.120 Existing insurance forms.
0.3K chars
Every form of insurance document in use at the effective date of this code in accordance with the commissioner's approval pursuant to any act herein repealed, may continue to be so used unless the commissioner otherwise prescribes in accordance with this code.[1947 c 79 s .01.12;…
RCW 48.01.130 Existing actions, violations.
0.3K chars
No action or proceeding commenced, and no violation of law existing, under any act herein repealed is affected by the repeal, but all procedure hereafter taken in reference thereto shall conform to this code as far as possible.[1947 c 79 s .01.13; Rem. Supp. 1947 s 45.01.13.]
RCW 48.01.140 Headings.
0.1K chars
The meaning or scope of any provision is not affected by chapter, section, or paragraph headings.[1947 c 79 s .01.14; Rem. Supp. 1947 s 45.01.14.]
RCW 48.01.150 Particular provisions prevail.
0.3K chars
Provisions of this code relating to a particular kind of insurance or a particular type of insurer or to a particular matter prevail over provisions relating to insurance in general or insurers in general or to such matter in general.[1947 c 79 s .01.15; Rem. Supp. 1947 s 45.01.1…
RCW 48.01.160 Repealed acts not revived.
0.1K chars
Repeal by this code of any act shall not revive any law heretofore repealed or superseded.[1947 c 79 s .01.16; Rem. Supp. 1947 s 45.01.16.]
RCW 48.01.170 Effective date—1947 c 79.
0.1K chars
This code shall become effective on the first day of October, 1947.[1947 c 79 s .01.17; Rem. Supp. 1947 s 45.01.17.]
RCW 48.01.180 Adopted children—Insurance coverage.
1.7K chars
(1) A child of an insured, subscriber, or enrollee shall be considered a dependent child for insurance purposes under this title upon assumption by the insured, subscriber, or enrollee of a legal obligation for total or partial support of a child in anticipation of adoption of th…
RCW 48.01.190 Immunity from civil liability.
2.0K chars
(1) Any person who files reports, or furnishes other information, required under Title 48 RCW, required by the commissioner under authority granted by Title 48 RCW, useful to the commissioner in the administration of Title 48 RCW, or furnished to the National Association of Insur…
RCW 48.01.220 Behavioral health administrative services organizations—Exemption.
0.4K chars
The activities and operations of behavioral health administrative services organizations, as defined in RCW 71.24.025, are exempt from the requirements of this title.[ 2019 c 325 s 5017; 2014 c 225 s 69; 1993 c 462 s 104.]Notes:Effective date—2019 c 325: See note following RCW 71…
RCW 48.01.230 Eligibility for coverage or making payments may not be contingent on eligibility for medical assistance.
0.6K chars
An issuer and an employee welfare benefit plan, whether insured or self funded, as defined in the employee retirement income security act of 1974, 29 U.S.C. Sec. 1101 et seq. may not consider the availability of eligibility for medical assistance in this state under medical assis…
RCW 48.01.235 Enrollment of a child under the health plan of the child's parent—Requirements—Restrictions.
3.8K chars
(1) An issuer and an employee welfare benefit plan, whether insured or self funded, as defined in the employee retirement income security act of 1974, 29 U.S.C. Sec. 1101 et seq. may not deny enrollment of a child under the health plan of the child's parent on the grounds that:(a…
RCW 48.01.250 Assistance or services in exchange for dues, assessments, or periodic or lump sum payments—Certificate of authority required—Certain travel or automobile services excepted—Violations.
1.5K chars
(1) Any person, firm, partnership, corporation, or association promising, in exchange for dues, assessments, or periodic or lump sum payments, to furnish members or subscribers with assistance in matters relating to trip cancellation, bail bond service or any accident, sickness, …
RCW 48.01.260 Health benefit plans—Carriers—Clarification.
0.6K chars
(1) Except as required in RCW 48.21.045, 48.44.023, and 48.46.066, nothing in this title shall be construed to require a carrier, as defined in RCW 48.43.005, to offer any health benefit plan for sale.(2) Nothing in this title shall prohibit a carrier as defined in RCW 48.43.005 …
RCW 48.01.270 PACE programs—Exemption.
0.5K chars
The activities and operations of PACE programs, as defined in RCW 74.09.523 and as authorized under sections 1894, 1905(a), and 1934 of the social security act, when registered, certified, licensed, or otherwise recognized or designated as a PACE program by the Washington state d…
RCW 48.01.280 Private air ambulance service—Subscription service—Exempt when conditions are met.
3.0K chars
(1) A private air ambulance service that solicits membership subscriptions, accepts membership applications, charges membership fees, and provides air ambulance services, to subscription members and designated members of their household is not an insurer under RCW 48.01.050, a he…
RCW 48.01.290 Legal service plans—Practice of law—Application.
3.1K chars
(1) It is the public policy of the state of Washington to promote ready access to legal assistance and counsel for all citizens of the state and to authorize that legal service contractors can issue legal service plans to businesses and individuals in the state of Washington.(2) …