Title 48 — Title 48 INSURANCE
101 chapters · 2,134 sections in this title.
RCW 48.18.400 Exemption of proceeds—Disability.
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The proceeds or avails of all contracts of disability insurance and of provisions providing benefits on account of the insured's disability which are supplemental to life insurance or annuity contracts heretofore or hereafter effected shall be exempt from all liability for any de…
RCW 48.18.410 Exemption of proceeds—Life.
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(1) The lawful beneficiary, assignee, or payee of a life insurance policy, other than an annuity, heretofore or hereafter effected by any person on his or her own life, or on the life of another, in favor of a person other than himself or herself, shall be entitled to the proceed…
RCW 48.18.420 Exemption of proceeds—Group life.
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(1) A policy of group life insurance or the proceeds thereof payable to the individual insured or to the beneficiary thereunder, shall not be liable, either before or after payment, to be applied to any legal or equitable process to pay any liability of any person having a right …
RCW 48.18.430 Exemption of proceeds, commutation—Annuities.
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(1) The benefits, rights, privileges, and options under any annuity contract that are due the annuitant who paid the consideration for the annuity contract are not subject to execution and the annuitant may not be compelled to exercise those rights, powers, or options, and credit…
RCW 48.18.440 Spouse's rights in life insurance policy.
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(1) Every life insurance policy heretofore or hereafter made payable to or for the benefit of the spouse of the insured, and every life insurance policy heretofore or hereafter assigned, transferred, or in any way made payable to a spouse or to a trustee for the benefit of a spou…
RCW 48.18.450 Life insurance payable to trustee named as beneficiary in the policy.
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Life insurance may be made payable to a trustee to be named as beneficiary in the policy and the proceeds of such insurance paid to such trustee shall be held and disposed of by the trustee as provided in a trust agreement or declaration of trust made by the insured during his or…
RCW 48.18.452 Life insurance designating as beneficiary a trustee named by will.
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A policy of life insurance may designate as beneficiary a trustee or trustees named or to be named by will, if the designation is made in accordance with the provisions of the policy and the requirements of the insurance company. Immediately after the proving of the will the proc…
RCW 48.18.460 Proof of loss—Furnishing forms—May require oath.
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An insurer shall furnish, upon request of any person claiming to have a loss under any insurance contract, forms of proof of loss for completion by such person. But such insurer shall not, by reason of the requirement so to furnish forms, have any responsibility for or with refer…
RCW 48.18.470 Claims administration—Not waiver.
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None of the following acts by or on behalf of an insurer shall be deemed to constitute a waiver of any provision of a policy or of any defense of the insurer thereunder:(a) Acknowledgment of the receipt of notice of loss or of claim under the policy.(b) Furnishing forms for repor…
RCW 48.18.480 Discrimination prohibited.
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No insurer shall make or permit any unfair discrimination between insureds or subjects of insurance having substantially like insuring, risk, and exposure factors, and expense elements, in the terms or conditions of any insurance contract, or in the rate or amount of premium char…
RCW 48.18.510 Validity of noncomplying forms.
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Any insurance policy, rider, or endorsement hereafter issued and otherwise valid, which contains any condition or provision not in compliance with the requirements of this code, shall not be rendered invalid thereby, but shall be construed and applied in accordance with such cond…
RCW 48.18.520 Construction of policies.
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Every insurance contract shall be construed according to the entirety of its terms and conditions as set forth in the policy, and as amplified, extended, or modified by any rider, endorsement, or application attached to and made a part of the policy.[1947 c 79 s .18.52; Rem. Supp…
RCW 48.18.540 Cancellations, denials, refusals to renew—Written notification.
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Every insurer upon canceling, denying, or refusing to renew any disability policy, shall, upon written request, directly notify in writing the applicant or insured, as the case may be, of the reasons for the action by the insurer and to any person covered under a group contract. …
RCW 48.18.543 Single premium credit insurance—Residential mortgage loan—Restrictions—Definitions.
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(1) For the purposes of this section:(a) "Licensee" means every insurance producer licensed under chapter 48.17 RCW.(b) "Residential mortgage loan" means any loan primarily for personal, family, or household use secured by a mortgage or deed of trust on residential real estate up…
RCW 48.18.545 Underwriting restrictions that apply to personal insurance—Credit history or insurance score—Rules.
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(1) For the purposes of this section:(a) "Adverse action" has the same meaning as defined in the fair credit reporting act, 15 U.S.C. Sec. 1681 et seq. Adverse actions include, but are not limited to:(i) Cancellation, denial, or nonrenewal of personal insurance coverage;(ii) Char…
RCW 48.18.547 Underwriting restrictions that apply to medical malpractice insurance—Rules.
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(1) For the purposes of this section:(a) "Affiliate" has the same meaning as in RCW 48.31B.005(1).(b) "Claim" means a demand for monetary damages by a claimant.(c) "Claimant" means a person, including a decedent's estate, who is seeking or has sought monetary damages for injury o…
RCW 48.18.550 Victims of domestic abuse—Prohibition on certain cancellations, denials, refusals to renew, and different rates—Domestic abuse defined.
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(1) No insurer shall deny or refuse to accept an application for insurance, refuse to insure, refuse to renew, cancel, restrict, or otherwise terminate a policy of insurance, or charge a different rate for the same coverage on the basis that the applicant or insured person is, ha…
RCW 48.18.553 Victims of hate crime offenses—Restrictions of underwriting actions—Definitions.
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(1) For the purposes of this section:(a) "Insured" means a current policyholder or a person or entity that is covered under the insurance policy.(b) "Hate crime offense" has the same meaning as RCW 9A.36.080. Under this section, the perpetrator does not have to be identified for …
RCW 48.18.555 Property insurance—Actions resulting from arson or malicious mischief—Definitions.
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(1) For the purposes of this section:(a) "Arson" has the same meaning as in chapter 9A.48 RCW.(b) "Health care facility" has the same meaning as defined in RCW 48.43.005.(c) "Health care provider" has the same meaning as defined in RCW 48.43.005.(d) "Insured" means a current poli…
RCW 48.18.558 Property insurers—Assistance to prevent or reduce severity of claims or losses—Prior approval of commissioner—Pilot program permitted.
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(1) With the prior approval of the commissioner, a property insurer may include the following either goods or services, or both, intended to reduce either the probability of loss, or the extent of loss, or both, from a covered event as part of a policy of property insurance:(a) G…
RCW 48.18.559 Property insurers—Rules addressing assistance to prevent or reduce severity of claims or losses.
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The commissioner may adopt rules as necessary to implement RCW 48.18.558 and 48.19.530, including but not limited to:(1) Rules requiring a notice to insureds or potential insureds regarding their ability to opt out of receiving any risk mitigation and/or prevention goods and/or s…
RCW 48.18.565 Homeowner's insurance—Foster parent.
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An insurer licensed to write homeowner's insurance in this state shall not deny an application for a homeowner's insurance policy, or cancel, refuse to renew, or modify an existing homeowner's insurance policy for the principal reason that the applicant or insured is a foster par…
RCW 48.18.570 Life insurance—Lawful travel destinations.
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(1) No life insurer may deny or refuse to accept an application for insurance, or refuse to insure, refuse to renew, cancel, restrict, or otherwise terminate a policy of insurance, or charge a different rate for the same coverage, based upon the applicant's or insured person's pa…
RCW 48.18.580 Employer-owned life insurance—Requirements.
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(1) "Employer-owned life insurance policy" as used in this section and RCW 48.18.583 means an insurance policy purchased by an employer on the life of an employee, for the benefit of a person other than the employee or the employee's personal representative.(2) An employer-owned …
RCW 48.18.583 Employer-owned life insurance—Application to policies.
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With respect to employer-owned life insurance policies, chapter 337, Laws of 2005 shall apply only to policies issued and delivered after July 24, 2005.[ 2005 c 337 s 6.]Notes:Finding—Intent—2005 c 337: See note following RCW 48.18.030.
RCW 48.18.586 Employer-owned life insurance—Rules.
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The commissioner shall adopt rules to implement RCW 48.18.010, 48.18.030, 48.18.060, 48.18.580, and 48.18.583.[ 2005 c 337 s 7.]Notes:Finding—Intent—2005 c 337: See note following RCW 48.18.030.
RCW 48.18.600 Usage-based insurance—Restrictions on information collected.
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(1) For the purposes of this section, "usage-based insurance" has the same meaning as defined in RCW 48.19.040.(2) Location data may not be collected without:(a) Disclosure to the insured that such information is being collected as required by RCW 46.35.020; and(b) The insured's …
RCW 48.18.610 Customer satisfaction benefits.
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(1) An insurer may include contractual benefits based on customer satisfaction as part of an insurance policy. The insurer must file the policy or endorsement for approval as required by RCW 48.18.100. The contractual benefits may include sums of money provided or credited to a p…
RCW 48.18.620 Automobile insurance policies—Appraisal clause.
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(1) Every automobile insurance policy that includes first-party coverage for physical damage issued or renewed effective on or after January 1, 2026, must include a provision for the right to an appraisal to resolve disputes between the insurer and the insured regarding the actua…
RCW 48.18.900 Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.
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For the purposes of this chapter, the terms spouse, marriage, marital, husband, wife, widow, widower, next of kin, and family shall be interpreted as applying equally to state registered domestic partnerships or individuals in state registered domestic partnerships as well as to …