Title 48 — Title 48 INSURANCE
101 chapters · 2,134 sections in this title.
RCW 48.30.010 Unfair practices in general—Remedies and penalties.
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(1) No person engaged in the business of insurance shall engage in unfair methods of competition or in unfair or deceptive acts or practices in the conduct of such business as such methods, acts, or practices are defined pursuant to subsection (2) of this section.(2) In addition …
RCW 48.30.015 Unreasonable denial of a claim for coverage or payment of benefits.
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(1) Any first party claimant to a policy of insurance who is unreasonably denied a claim for coverage or payment of benefits by an insurer may bring an action in the superior court of this state to recover the actual damages sustained, together with the costs of the action, inclu…
RCW 48.30.020 Anticompact law.
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(1) No person shall either within or outside of this state enter into any contract, understanding or combination with any other person to do jointly or severally any act or engage in any practice for the purpose of(a) controlling the rates to be charged for insuring any risk or a…
RCW 48.30.030 False financial statements.
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No person shall knowingly file with any public official nor knowingly make, publish, or disseminate any financial statement of an insurer which does not accurately state the insurer's financial condition.[1947 c 79 s .30.03; Rem. Supp. 1947 s 45.30.03.]
RCW 48.30.040 False information and advertising.
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No person shall knowingly make, publish, or disseminate any false, deceptive or misleading representation or advertising in the conduct of the business of insurance, or relative to the business of insurance or relative to any person engaged therein.[1947 c 79 s .30.04; Rem. Supp.…
RCW 48.30.050 Advertising must show name and domicile.
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Every advertisement of, by, or on behalf of an insurer shall set forth the name in full of the insurer and the location of its home office or principal office, if any, in the United States (if an alien insurer).[1947 c 79 s .30.05; Rem. Supp. 1947 s 45.30.05.]
RCW 48.30.060 Insurer name—Deceptive use prohibited.
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No person who is not an insurer shall assume or use any name which deceptively infers or suggests that it is an insurer.[1947 c 79 s .30.06; Rem. Supp. 1947 s 45.30.06.]
RCW 48.30.070 Advertising of financial condition.
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(1) Every advertisement by or on behalf of any insurer purporting to show its financial condition may be in a condensed form but shall in substance correspond with the insurer's last verified statement filed with the commissioner.(2) No insurer or person in its behalf shall adver…
RCW 48.30.075 Using existence of insurance guaranty associations in advertising, etc., to sell insurance.
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No person shall make, publish, disseminate, circulate, or place before the public, or cause, directly or indirectly, to be made, published, disseminated, circulated, or placed before the public in any newspaper, magazine, or other publication, or in the form of a notice, circular…
RCW 48.30.080 Defamation of insurer.
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No person shall make, publish, or disseminate, or aid, abet or encourage the making, publishing, or dissemination of any information or statement which is false or maliciously critical and which is designed to injure in its reputation or business any authorized insurer or any dom…
RCW 48.30.090 Misrepresentation of policies.
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No person shall make, issue or circulate, or cause to be made, issued or circulated any misrepresentation of the terms of any policy or the benefits or advantages promised thereby, or the dividends or share of surplus to be received thereon, or use any name or title of any policy…
RCW 48.30.100 Dividends not to be guaranteed.
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No insurer, insurance producer, title insurance agent, or other person shall guarantee or agree to the payment of future dividends or future refunds of unused premiums or savings in any specific or approximate amounts or percentages on account of any insurance contract.[ 2008 c 2…
RCW 48.30.110 Contributions to candidates for insurance commissioner.
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(1) No insurer or fraternal benefit society doing business in this state shall directly or indirectly pay or use, or offer, consent, or agree to pay or use any money or thing of value for or in aid of any candidate for the office of insurance commissioner; nor for reimbursement o…
RCW 48.30.120 Misconduct of officers, employees.
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No director, officer, agent, attorney-in-fact, or employee of an insurer shall:(1) Knowingly receive or possess himself or herself of any of its property, otherwise than in payment for a just demand, and with intent to defraud, omit to make or to cause or direct to be made, a ful…
RCW 48.30.130 Presumption of knowledge of director.
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A director of an insurer is deemed to have such knowledge of its affairs as to enable him or her to determine whether any act, proceeding, or omission of its directors is a violation of any provision of this chapter. If present at a meeting of directors at which any act, proceedi…
RCW 48.30.133 Gifts, etc., for the referral of insurance business—Restrictions.
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(1) An insurance producer may give to an individual, prizes, goods, wares, gift cards, gift certificates, or merchandise not exceeding one hundred dollars in value per person in any consecutive twelve-month period for the referral of insurance business to the insurance producer, …
RCW 48.30.135 Sponsoring events or making contributions—Definitions.
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(1) An insurance producer may sponsor events for, or make contributions to a bona fide charitable or nonprofit organization, if the sponsorship or contribution is not conditioned upon the organization applying for or obtaining insurance through the insurance producer.(2) For purp…
RCW 48.30.140 Rebating—Other inducements.
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(1) Except to the extent provided for in an applicable filing with the commissioner then in effect, no insurer, insurance producer, or title insurance agent shall, as an inducement to insurance, or after insurance has been effected, directly or indirectly, offer, promise, allow, …
RCW 48.30.150 Illegal inducements.
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(1) No insurer, insurance producer, title insurance agent, or other person shall, as an inducement to insurance, or in connection with any insurance transaction, provide in any policy for, or offer, or sell, buy, or offer or promise to buy or give, or promise, or allow to, or on …
RCW 48.30.155 Life or disability insurers—Insurance as inducement to purchase of goods, etc.
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No life or disability insurer shall directly or indirectly participate in any plan to offer or effect any kind or kinds of insurance in this state as an inducement to the purchase by the public of any goods, securities, commodities, services or subscriptions to publications. This…
RCW 48.30.157 Charges for extra services.
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Notwithstanding the provisions of RCW 48.30.140, 48.30.150, and 48.30.155, the commissioner may permit an insurance producer to enter into reasonable arrangements with insureds and prospective insureds to charge a reduced fee in situations where services that are charged for are …
RCW 48.30.170 Rebate—Acceptance prohibited.
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(1) No insured person shall receive or accept, directly or indirectly, any rebate of premium or part thereof, or any favor, advantage, share in dividends, or other benefits, or any valuable consideration or inducement not specified or provided for in the policy, or any commission…
RCW 48.30.180 "Twisting" prohibited.
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No person shall by misrepresentations or by misleading comparisons, induce or tend to induce any insured to lapse, terminate, forfeit, surrender, retain, or convert any insurance policy.[1947 c 79 s .30.18; Rem. Supp. 1947 s 45.30.18.]
RCW 48.30.190 Illegal dealing in premiums.
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(1) No person shall wilfully collect any sum as premium for insurance, which insurance is not then provided or is not in due course to be provided by an insurance policy issued by an insurer as authorized by this code.(2) No person shall wilfully collect as premium for insurance …
RCW 48.30.200 Hypothecation of premium notes.
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It shall be unlawful for any insurer or its representative, or any insurance producer, to hypothecate, sell, or dispose of any promissory note, received in payment for any premium or part thereof on any contract of life insurance or of disability insurance applied for, prior to d…
RCW 48.30.210 Misrepresentation in application for insurance.
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A person who knowingly makes a false or misleading statement or impersonation, or who willfully fails to reveal a material fact, in or relative to an application for insurance to an insurer, is guilty of a gross misdemeanor, and the license of any such person may be revoked.[ 199…
RCW 48.30.220 Destruction, injury, secretion, etc., of property.
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Any person, who, with intent to defraud or prejudice the insurer thereof, burns or in any manner injures, destroys, secretes, abandons, or disposes of any property which is insured at the time against loss or damage by fire, theft, embezzlement, or any other casualty, whether the…
RCW 48.30.230 False claims or proof—Penalty.
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(1) It is unlawful for any person, knowing it to be such, to:(a) Present, or cause to be presented, a false or fraudulent claim, or any proof in support of such a claim, for the payment of a loss under a contract of insurance; or(b) Prepare, make, or subscribe any false or fraudu…
RCW 48.30.240 Rate wars prohibited.
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(1) Any insurer which precipitates, or aids in precipitating or conducting a rate war and by so doing writes or issues a policy of insurance at a less rate than permitted under its schedules filed with the commissioner, or below the rate deemed by him or her to be proper and adeq…
RCW 48.30.250 Interlocking ownership, management.
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(1) Any insurer may retain, invest in or acquire the whole or any part of the capital stock of any other insurer or insurers, or have a common management with any other insurer or insurers, unless such retention, investment, acquisition or common management is inconsistent with a…
RCW 48.30.260 Right of debtor or borrower to select insurance producer, surplus line broker, or insurer.
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(1) Every debtor or borrower, when property insurance of any kind is required in connection with the debt or loan, shall have reasonable opportunity and choice in the selection of the insurance producer, surplus line broker, and insurer through whom such insurance is to be placed…
RCW 48.30.270 Public building or construction contracts—Surety bonds or insurance—Violations concerning—Exemption.
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(1) No officer or employee of this state, or of any public agency, public authority or public corporation except a public corporation or public authority created pursuant to agreement or compact with another state, and no person acting or purporting to act on behalf of such offic…
RCW 48.30.300 Unfair discrimination, generally.
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Notwithstanding any provision contained in Title 48 RCW to the contrary:(1) A person or entity engaged in the business of insurance in this state may not refuse to issue any contract of insurance or cancel or decline to renew such contract because of the sex, marital status, or s…
RCW 48.30.310 Commercial motor vehicle employment driving record not to be considered, when.
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When an individual applies for a policy of casualty insurance providing either automobile liability coverage, uninsured motorist coverage, automobile medical payments coverage, or automobile physical damage coverage on an individually owned passenger vehicle or a renewal of such …
RCW 48.30.320 Notice of reason for cancellation, restrictions based on disability.
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Every authorized insurer, upon canceling, denying, or refusing to renew any individual life, individual disability, homeowner, dwelling fire, or private passenger automobile insurance policy, shall, upon written request, directly notify in writing the applicant or insured, as the…
RCW 48.30.330 Immunity from libel or slander.
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With respect to contracts of insurance as defined in RCW 48.30.320, there shall be no liability on the part of, and no cause of action of any nature shall arise against, the insurance commissioner, the commissioner's agents, or members of the commissioner's staff, or against any …
RCW 48.30.340 Auto glass repair—Restrictions on insurer-owned facilities.
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(1) A person in this state has the right to choose any glass repair facility for the repair of a loss relating to motor vehicle glass.(2) An insurer or its third-party administrator that owns in whole or in part an automobile glass repair facility that is processing a claim limit…
RCW 48.30.350 Initiating arbitration of claims under the balance billing protection act with such frequency as to indicate a health carrier's general business practice.
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(1) It is an unfair or deceptive practice for a health carrier to initiate, with such frequency as to indicate a general business practice, arbitration under RCW 48.49.040 with respect to claims submitted by out-of-network providers for services included in RCW 48.49.020 that req…
RCW 48.30.360 Performance standards—Premiums—Application—Rules.
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(1) For purposes of this section, "performance standard" means a contractual provision in a group insurance contract that establishes a specific standard for the insurer's or health carrier's performance of an obligation in the contract, and under which the insurer or health carr…
RCW 48.30.900 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 …