Title 48 — Title 48 INSURANCE
101 chapters · 2,134 sections in this title.
RCW 48.50.075 Immunity from liability for denying claim based on written opinion of authorized agency.
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In denying a claim, an insurer, health maintenance organization, or health care service contractor who relies upon a written opinion from an authorized agency specifically enumerated in RCW 48.50.020(1) (a) through (g) that criminal activity that is related to that claim is being…
RCW 48.50.090 Local ordinances not preempted.
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This chapter does not preempt or preclude any county or municipality from enacting ordinances relating to fire prevention or control of arson.[ 1979 ex.s. c 80 s 9.]
RCW 48.53.010 Purpose.
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It is the purpose of this chapter to reduce the incidence of arson fraud by requiring insurers to obtain specified information prior to issuing a fire insurance policy for certain structures and by authorizing insurers to cancel fire insurance policies when characteristics freque…
RCW 48.53.020 Designation of high arson incidence areas and classes of occupancy—Anti-arson application, contents.
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(1) The chief of the Washington state patrol, through the director of fire protection, may designate certain classes of occupancy within a geographic area or may designate geographic areas as having an abnormally high incidence of arson. This designation shall not be a valid reas…
RCW 48.53.030 Cancellation of policy—Conditions required for.
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Notwithstanding the provisions of RCW 48.18.290, where two or more of the following conditions exist, an insurer may, under RCW 48.53.040, cancel a fire insurance policy for any structure:(1) Which, without reasonable explanation, is unoccupied for more than sixty consecutive day…
RCW 48.53.040 Cancellation of policy—Procedure.
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An insurer may cancel a fire insurance policy when the requirements of RCW 48.53.030 are met only in accordance with the following procedure:(1) The insurer shall, not less than five days prior to cancellation, issue written notice of cancellation to the insured or the insured's …
RCW 48.53.050 Issuance or cancellation of policy in violation of chapter.
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(1) Any fire insurance policy issued in violation of this chapter shall not be canceled by the insurer under the procedures authorized by this chapter.(2) Cancellation of a fire insurance policy in violation of this chapter shall constitute a violation of this title.[ 1982 c 110 …
RCW 48.53.060 Adoption of rules.
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Rules designating geographic areas or classes of occupancy as having an abnormally high incidence of arson, and any other rules necessary to implement this chapter shall be adopted by the chief of the Washington state patrol, through the director of fire protection, under chapter…
RCW 48.56.010 Short title.
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This chapter shall be known and may be cited as "The Insurance Premium Finance Company Act".[ 1969 ex.s. c 190 s 1.]
RCW 48.56.020 Definitions.
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As used in this chapter:(1) "Insurance premium finance company" means a person engaged in the business of entering into insurance premium finance agreements.(2) "Premium finance agreement" means an agreement by which an insured or prospective insured promises to pay to a premium …
RCW 48.56.030 License—Required—Fees—Information to be furnished—Penalty.
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(1) No person shall engage in the business of financing insurance premiums in the state without first having obtained a license as a premium finance company from the commissioner. Any person who shall engage in the business of financing insurance premiums in the state without obt…
RCW 48.56.040 Investigation of applicant—Qualifications—Hearing.
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(1) Upon the filing of an application and the payment of the license fee the commissioner shall make an investigation of each applicant and shall issue a license if the applicant is qualified in accordance with this chapter. If the commissioner does not so find, he or she shall, …
RCW 48.56.050 Revocation, suspension, or refusal to renew.
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(1) The commissioner may revoke or suspend the license of any premium finance company when and if after investigation it appears to the commissioner that—(a) any license issued to such company was obtained by fraud,(b) there was any misrepresentation in the application for the li…
RCW 48.56.060 Records.
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(1) Every licensee shall maintain records of its premium finance transactions and the said records shall be open to examination and investigation by the commissioner. The commissioner may at any time require any licensee to bring such records as he or she may direct to the commis…
RCW 48.56.070 Rules and regulations.
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The commissioner shall have authority to make and enforce such reasonable rules and regulations as may be necessary in making effective the provisions of this chapter, but such rules and regulations shall not be contrary to nor inconsistent with the provisions of this chapter.[ 1…
RCW 48.56.080 Premium finance agreement.
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(1) A premium finance agreement shall:(a) Be dated, signed by or on behalf of the insured, and the printed portion thereof shall be in at least eight point type;(b) Contain the name and place of business of the insurance producer negotiating the related insurance contract, the na…
RCW 48.56.090 Service charge.
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(1) A premium finance company shall not charge, contract for, receive, or collect a service charge other than as permitted by this chapter.(2) The service charge is to be computed on the balance of the premiums due (after subtracting the down payment made by the insured in accord…
RCW 48.56.100 Delinquency charge—Cancellation charge.
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A premium finance agreement may provide for the payment by the insured of a delinquency charge of one dollar to a maximum of five percent of the delinquent installment that is in default for a period of five days or more except that if the loan is primarily for personal, family, …
RCW 48.56.110 Cancellation of insurance contract.
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(1) When a premium finance agreement contains a power of attorney enabling the premium finance company to cancel any insurance contract or contracts listed in the agreement, the insurance contract or contracts shall not be canceled by the premium finance company unless such cance…
RCW 48.56.120 Cancellation of insurance contract—Return of unearned premiums.
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(1) Whenever a financed insurance contract is canceled, the insurer shall return whatever gross unearned premiums are due under the insurance contract to the premium finance company for the account of the insured or insureds.(2) In the event that the crediting of return premiums …
RCW 48.56.130 Filing of agreement.
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No filing of the premium finance agreement shall be necessary to perfect the validity of such agreement as a secured transaction as against creditors, subsequent purchasers, pledgees, encumbrancers, successors, or assigns.[ 1969 ex.s. c 190 s 13.]
RCW 48.56.900 Effective date—1969 ex.s. c 190.
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This act is necessary for the immediate preservation of the public peace, health and safety, the support of the state government and its existing public institutions, and shall take effect on the sixtieth day following passage by the legislature and submission to the governor for…
RCW 48.58.010 Riot reinsurance reimbursement—Assessments.
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(1) The commissioner may reimburse the secretary of the department of housing and urban development under the provisions of Section 1223(a)(1) of the Urban Property Protection and Reinsurance Act of 1968 (Public Law 90-448) for losses reinsured by the secretary of the department …
RCW 48.62.011 Legislative intent—Construction.
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(1) This chapter is intended to provide the exclusive source of local government entity authority to individually or jointly self-insure risks, jointly purchase insurance or reinsurance, become a captive owner as defined in RCW 48.201.020, and to contract for risk management, cla…
RCW 48.62.021 Definitions.
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Unless the context clearly requires otherwise, the definitions in this section apply throughout this chapter.(1) "Health and welfare benefits" means a plan or program established by a local government entity or entities for the purpose of providing its employees and their depende…
RCW 48.62.031 Authority to self-insure—Options—Risk manager.
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(1) The governing body of a local government entity may individually self-insure, may join or form a self-insurance program together with other entities, including the board of pilotage commissioners, and may jointly purchase insurance or reinsurance with those other entities for…
RCW 48.62.034 Joint self-insurance program—Actions authorized.
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(1) For the purpose of carrying out a joint self-insurance program, a joint self-insurance program and a separate legal entity created under RCW 48.62.031 each may:(a) Contract indebtedness and issue and sell revenue bonds evidencing such indebtedness or establish lines of credit…
RCW 48.62.037 Board of pilotage commissioners—Participation in joint self-insurance program—Liability insurance coverage.
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The board of pilotage commissioners may participate in a local government joint self-insurance program formed or operating in accordance with this chapter. The board of pilotage commissioners may participate in the program to obtain liability insurance coverage, but not property …
RCW 48.62.061 Rule making by state risk manager—Standards.
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The state risk manager shall adopt rules governing the management and operation of both individual and joint local government self-insurance programs covering property or liability risks. The state risk manager shall also adopt rules governing the management and operation of both…
RCW 48.62.071 Program approval required—State risk manager—Plan of management and operation.
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Before the establishment of a joint self-insurance program covering property or liability risks by local government entities, or an individual or joint local government self-insured health and welfare benefits program, the entity or entities must obtain the approval of the state …
RCW 48.62.081 Multistate program participants—Requirements.
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A local government entity may participate in a joint self-insurance program covering property or liability risks with similar local government entities from other states if the program satisfies the following requirements:(1) Only those local government entities of this state and…
RCW 48.62.091 Program approval or disapproval—Procedures—Annual report.
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(1) Within one hundred twenty days of receipt of a plan of management and operation, the state risk manager shall either approve or disapprove the formation of the self-insurance program after reviewing the plan to determine whether the proposed program complies with this chapter…
RCW 48.62.101 Access to information—Executive sessions—Public records act.
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(1) All self-insurance programs governed by this chapter may provide for executive sessions in accordance with chapter 42.30 RCW to consider litigation and settlement of claims when it appears that public discussion of these matters would impair the program's ability to conduct i…
RCW 48.62.111 Investments—Designated treasurer—Deposit requirements—Bond.
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(1) The assets of a joint self-insurance program governed by this chapter may be invested only in accordance with the general investment authority that participating members possess as a governmental entity.(2) Except as provided in subsection (3) of this section, a joint self-in…
RCW 48.62.121 General operating regulations—Employee remuneration—Governing control—School districts—Use of insurance producers and surplus line brokers—Health care services—Trusts.
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(1) No employee or official of a local government entity or the board of pilotage commissioners may directly or indirectly receive anything of value for services rendered in connection with the operation and management of a self-insurance program other than the salary and benefit…
RCW 48.62.123 Existing benefit program established as a trust—Risk manager—Limited extension of deadline for compliance.
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No local government self-insured employee health and welfare benefit program established as a trust by a local government entity or entities prior to July 25, 1993, may continue in operation unless such program complies with the provisions of this chapter within one hundred eight…
RCW 48.62.125 Educational service districts—Rules—Superintendent of public instruction.
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All rules adopted by the superintendent of public instruction by January 1, 1992, that apply to self-insurance programs of educational service districts remain in effect until expressly amended, repealed, or superseded by the state risk manager or the state health care authority.…
RCW 48.62.131 Preexisting programs—Notice to state auditor.
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Every local government entity that has established a self-insurance program not subject to the prior approval requirements of this chapter shall provide written notice to the state auditor of the existence of the program. The notice must identify the manager of the program and th…
RCW 48.62.141 Insufficient assets—Program requirement.
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Every joint self-insurance program covering liability or property risks, excluding multistate programs governed by RCW 48.62.081 and nonprofit risk pools formed under *RCW 48.62.036 and chapter 48.180 RCW, shall provide for the contingent liability of participants in the program …
RCW 48.62.151 Insurance premium taxes—Exemption.
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A joint self-insurance program approved in accordance with this chapter is exempt from insurance premium taxes, from fees assessed under chapter 48.02 RCW, from chapters 48.32 and 48.32A RCW, from business and occupations taxes imposed under chapter 82.04 RCW, and from any assign…
RCW 48.62.161 Establishment of fee to cover costs—State risk manager.
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(1) The state risk manager shall establish and charge an investigation fee in an amount necessary to cover the costs for the initial review and approval of a self-insurance program. The fee must accompany the initial submission of the plan of operation and management.(2) The cost…
RCW 48.62.171 Dissemination of information—Civil immunity.
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(1) Any person who files reports or furnishes other information required under Title 48 RCW, required by the risk manager or the state auditor under authority granted by Title 48 RCW, or which is useful to the risk manager or the state auditor in the administration of Title 48 RC…
RCW 48.62.900 Effective date, implementation, application—1991 sp.s. c 30.
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(1) This act shall take effect January 1, 1992, but the state risk manager shall take all steps necessary to implement this act on its effective date.(2) Every individual local government self-insured employee health and welfare plan and self-insurance program that has been in co…
RCW 48.64.005 Intent—Liberal construction.
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This chapter is intended to provide authority for two or more affordable housing entities to participate in a joint self-insurance program covering property or liability risks. This chapter provides affordable housing entities with the exclusive source of authority to jointly sel…
RCW 48.64.010 Definitions.
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The definitions in this section apply throughout this chapter unless the context clearly requires otherwise.(1) "Affordable housing" means housing projects in which some of the dwelling units may be purchased or rented on a basis that is affordable to households with an income of…
RCW 48.64.020 Rules necessary to implement multistate program—State risk manager.
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Prior to the approval of a multistate joint self-insurance program for affordable housing entities, the state risk manager shall adopt rules further clarifying the definitions of "affordable housing" and "affordable housing entity" as defined in RCW 48.64.010, and the conditions …
RCW 48.64.030 Authority to join or form program—Requirements—Terms of agreement.
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(1) The governing body of an affordable housing entity may join or form a self-insurance program together with one or more other affordable housing entities, and may jointly purchase insurance or reinsurance with one or more other affordable housing entities for property and liab…
RCW 48.64.040 When chapter not applicable.
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This chapter does not apply to an affordable housing entity that:(1) Individually self-insures for property and liability risks; or(2) Participates in a risk pooling arrangement, including a risk retention group or a risk purchasing group, regulated under chapter 48.92 RCW, or is…
RCW 48.64.050 Management and operation of programs—Rules adopted by state risk manager.
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The state risk manager shall adopt rules governing the management and operation of joint self-insurance programs for affordable housing entities that cover property or liability risks. All rules must be appropriate for the type of program and class of risk covered. The state risk…
RCW 48.64.060 Program approval required from state risk manager—Plan submission.
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Before the establishment of a joint self-insurance program covering property or liability risks by affordable housing entities, the entities must obtain the approval of the state risk manager. The entities proposing the creation of a joint self-insurance program requiring prior a…