Title 48 — Title 48 INSURANCE
101 chapters · 2,134 sections in this title.
RCW 48.21.250 Continuation option to be offered.
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Every insurer that issues policies providing group coverage for hospital or medical expense shall offer the policyholder an option to include a policy provision granting a person who becomes ineligible for coverage under the group policy, the right to continue the group benefits …
RCW 48.21.260 Conversion policy to be offered—Exceptions, conditions.
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(1) Except as otherwise provided by this section, any group disability insurance policy that provides benefits for hospital or medical expenses must contain a provision granting a person covered by the group policy the right to obtain a conversion policy from the insurer upon ter…
RCW 48.21.270 Conversion policy—Restrictions and requirements—Rules.
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(1) An insurer shall not require proof of insurability as a condition for issuance of the conversion policy.(2) A conversion policy may not contain an exclusion for preexisting conditions for any applicant.(3) An insurer must offer at least three policy benefit plans that comply …
RCW 48.21.280 Coverage for adopted children.
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(1) Any group disability insurance contract, except a blanket disability insurance contract, providing hospital and medical expenses and health care services, delivered or issued for delivery in this state, which provides coverage for dependent children, as defined in the contrac…
RCW 48.21.290 Cancellation of rider.
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Upon application by an insured, a rider shall be canceled if at least five years after its issuance, no health care services have been received by the insured during that time for the condition specified in the rider, and a physician, selected by the carrier for that purpose, agr…
RCW 48.21.300 Phenylketonuria.
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(1) The legislature finds that:(a) Phenylketonuria is a rare inherited genetic disorder.(b) Children with phenylketonuria are unable to metabolize an essential amino acid, phenylalanine, which is found in the proteins of most food.(c) To remain healthy, children with phenylketonu…
RCW 48.21.310 Neurodevelopmental therapies—Employer-sponsored group contracts.
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(1) Each employer-sponsored group policy for comprehensive health insurance which is entered into, or renewed, on or after twelve months after July 23, 1989, shall include coverage for neurodevelopmental therapies for covered individuals age six and under.(2) Benefits provided un…
RCW 48.21.320 Temporomandibular joint disorders—Insurance coverage.
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(1) Except as provided in this section, a group disability policy entered into or renewed after December 31, 1989, shall offer optional coverage for the treatment of temporomandibular joint disorders.(a) Insurers offering medical coverage only may limit benefits in such coverages…
RCW 48.21.325 Prescriptions—Preapproval of individual claims—Subsequent rejection prohibited—Written record required.
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Group disability insurance companies who through an authorized representative have first approved, by any means, an individual prescription claim as eligible may not reject that claim at some later date. Pharmacists or drug dispensing outlets who obtain preapproval of claims shal…
RCW 48.21.330 Nonresident pharmacies.
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For the purposes of this chapter, a nonresident pharmacy is defined as any pharmacy located outside this state that ships, mails, or delivers, in any manner, except when delivered in person to an enrolled participant or his/her representative, controlled substances, legend drugs,…
RCW 48.21.370 Fixed payment insurance—Standard disclosure form.
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The commissioner shall adopt rules setting forth the content of a standard disclosure form to be delivered to all applicants for group illness-triggered fixed payment insurance, hospital confinement fixed payment insurance, or other fixed payment insurance. The standard disclosur…
RCW 48.21.375 Fixed payment insurance—Benefit restrictions.
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Illness-triggered fixed payment insurance, hospital confinement fixed payment insurance, or other fixed payment insurance policies are not considered to provide coverage for hospital or medical expenses or care under this chapter, if the benefits provided are a fixed dollar amoun…
RCW 48.21.380 Noninsurance benefits.
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(1) A disability insurer may include the following noninsurance benefits as part of a policy or certificate of group disability insurance, with the prior approval of the commissioner and where such benefits bear a reasonable relationship to the disability insurance with which the…
RCW 48.21.900 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 …
RCW 48.21A.010 Declaration of purpose.
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It is the purpose of this chapter to provide a means of more adequately meeting the needs of persons who are sixty-five years of age or older and their spouses for insurance coverage against financial loss from accident or disease through the combined resources and experience of …
RCW 48.21A.020 Definitions.
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Wherever used in this chapter, the following terms shall have the meanings hereinafter set forth or indicated, unless the context otherwise requires:(a) "Association" means a voluntary unincorporated association of insurers formed for the purpose of enabling cooperative action to…
RCW 48.21A.030 Insurers may join—Policyholder—Reduced benefit provision—Master group policy—Offering—Cancellation.
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Notwithstanding any other provision of this code or any other law which may be inconsistent herewith, any insurer may join with one or more other insurers, to plan, develop, underwrite, and offer and provide to any person who is sixty-five years of age or older and to the spouse …
RCW 48.21A.040 Insurance producers.
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Any person licensed to transact disability insurance as an insurance producer may transact extended health insurance and may be paid a commission thereon.[ 2008 c 217 s 25; 1965 ex.s. c 70 s 30.]Notes:Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
RCW 48.21A.050 Powers and duties of associations.
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Any association formed for the purposes of this chapter may hold title to property, may enter into contracts, and may limit the liability of its members to their respective pro rata shares of the liability of such association. Any such association may sue and be sued in its assoc…
RCW 48.21A.060 Commissioner's powers—Forms—Rates—Standard provisions—Withdrawal of approval—Federal, state benefits—Annual reports.
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The forms of the policies, applications, certificates or other evidence of insurance coverage and applicable premium rates relating thereto shall be filed with the commissioner. No such policy, contract, or other evidence of insurance, application or other form shall be sold, iss…
RCW 48.21A.070 Documents to be filed—Deceptive name or advertising.
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The articles of association of any association formed in accordance with this chapter, all amendments and supplements thereto, a designation in writing of a resident of this state as agent for the service of process, and a list of insurers who are members of the association and a…
RCW 48.21A.080 Remedies.
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No act done, action taken or agreement made pursuant to the authority conferred by this chapter shall constitute a violation of or grounds for prosecution or civil proceedings under any other law of this state heretofore or hereafter enacted which does not specifically refer to i…
RCW 48.21A.090 Home health care, hospice care, optional coverage required—Standards, limitations, restrictions—Rules—Medicare supplemental contracts excluded.
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(1) Every insurer entering into or renewing extended health insurance governed by this chapter shall offer optional coverage for home health care and hospice care for persons who are homebound and would otherwise require hospitalization. Such optional coverage need only be offere…
RCW 48.21A.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 …
RCW 48.22.005 Definitions.
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Unless the context clearly requires otherwise, the definitions in this section apply throughout this chapter.(1) "Automobile" means a passenger car as defined in RCW 46.04.382 registered or principally garaged in this state other than:(a) A farm-type tractor or other self-propell…
RCW 48.22.020 Assigned risk plans.
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The commissioner shall after consultation with the insurers licensed to write motor vehicle liability insurance in this state, approve a reasonable plan or plans for the equitable apportionment among such insurers of applicants for such insurance who are in good faith entitled to…
RCW 48.22.030 Underinsured, hit-and-run, phantom vehicle coverage to be provided—Purpose—Definitions—Exceptions—Conditions—Deductibles—Information on motorcycle or motor-driven cycle coverage—Intended victims.
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(1) "Underinsured motor vehicle" means a motor vehicle with respect to the ownership, maintenance, or use of which either no bodily injury or property damage liability bond or insurance policy applies at the time of an accident, or with respect to which the sum of the limits of l…
RCW 48.22.040 Underinsured motor vehicle coverage where liability insurer is insolvent—Extent of coverage—Rights of insurer upon making payment.
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(1) The term "underinsured motor vehicles" with reference to coverage offered under any insurance policy regulated under this chapter shall, subject to the terms and conditions of such coverage, be deemed to include an insured motor vehicle where the liability insurer thereof is …
RCW 48.22.050 Market assistance plans.
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The commissioner shall by regulation require insurers authorized to write casualty insurance in this state to form a market assistance plan to assist persons and other entities unable to purchase casualty insurance in an adequate amount from either the admitted market or nonadmit…
RCW 48.22.060 Debt and financing coverage.
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Every insurer that writes collision and comprehensive coverage for loss or damage to "private passenger automobiles" or "motor homes," as those terms are defined in RCW 48.18.297 and 46.04.305, respectively, shall provide, upon the insured's request, coverage that will pay, in th…
RCW 48.22.070 Longshoreman's and harbor worker's compensation coverage—Rules—Plan creation.
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(1) The commissioner shall adopt rules establishing a reasonable plan to insure that workers' compensation coverage as required by the United States longshore and harbor workers' compensation act, 33 U.S.C. Secs. 901 through 950, and maritime employer's liability coverage inciden…
RCW 48.22.080 Health care liability risk management training program.
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Effective July 1, 1994, a casualty insurer's issuance of a new medical malpractice policy or renewal of an existing medical malpractice policy to a physician or other independent health care practitioner shall be conditioned upon that practitioner's participation in, and completi…
RCW 48.22.085 Automobile liability insurance policy—Optional coverage for personal injury protection—Rejection by insured.
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(1) No new automobile liability insurance policy or renewal of such an existing policy may be issued unless personal injury protection coverage is offered as an optional coverage.(2) A named insured may reject, in writing, personal injury protection coverage and the requirements …
RCW 48.22.090 Personal injury protection coverage—Exceptions.
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An insurer is not required to provide personal injury protection coverage to or on behalf of:(1) A person who intentionally causes injury to himself or herself;(2) A person who is injured while participating in a prearranged or organized racing or speed contest or in practice or …
RCW 48.22.095 Automobile insurance policies—Minimum personal injury protection coverage.
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(1) Insurers providing automobile insurance policies must offer minimum personal injury protection coverage for each insured with benefit limits as follows:(a) Medical and hospital benefits of ten thousand dollars;(b) A funeral expense benefit of two thousand dollars;(c) Income c…
RCW 48.22.100 Automobile insurance policies—Personal injury protection coverage—Request by named insured—Benefit limits.
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If requested by a named insured, an insurer providing automobile liability insurance policies must offer personal injury protection coverage for each insured with benefit limits as follows:(1) Medical and hospital benefits of thirty-five thousand dollars;(2) A funeral expense ben…
RCW 48.22.105 Rule making.
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The commissioner may adopt such rules as are necessary to implement RCW 48.22.005 and 48.22.085 through 48.22.100.[ 1993 c 242 s 9.]Notes:Severability—1993 c 242: See note following RCW 48.22.005.
RCW 48.22.110 Vendor single-interest or collateral protection coverage—Definitions.
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Unless the context clearly requires otherwise, the definitions in this section apply throughout this section and RCW 48.22.115 through 48.22.135.(1) "Borrower" means a person who receives a loan or enters into a retail installment contract under chapter 63.14 RCW to purchase a mo…
RCW 48.22.115 Vendor single-interest or collateral protection coverage—Warning.
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In a contract or loan agreement, or on a separate document accompanying the contract or loan agreement and signed by the borrower, that provides financing for a motor vehicle or vessel and authorizes a secured party to purchase vendor single interest or collateral protection cove…
RCW 48.22.120 Vendor single-interest or collateral protection coverage—Final notice and warning—No requirement to purchase—Effective date of coverage.
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(1) A secured party shall not impose charges, that may include but are not limited to interest, finance, and premium charges, on a borrower for vendor single interest or collateral protection coverage for the motor vehicle or vessel as provided in subsection (2) of this section u…
RCW 48.22.125 Vendor single-interest or collateral protection coverage—Cancellation when borrower has obtained insurance—Interest rate for financing.
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(1) The secured party shall cancel vendor single interest or collateral protection coverage charged to the borrower effective the date of receipt of proper evidence from the borrower that the borrower has obtained insurance to protect the secured party's interest. Proper evidence…
RCW 48.22.130 Vendor single-interest or collateral protection coverage—Canceled or discontinued—Premium refund.
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If vendor single interest or collateral protection coverage is canceled or discontinued under RCW 48.22.125 (1) or (2), the amount of unearned premium must be refunded to the borrower. At the option of the secured party, this refund may take the form of a credit against the borro…
RCW 48.22.135 Vendor single-interest or collateral protection coverage—Application.
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The failure of a secured party prior to January 1, 1995, to provide notice as contemplated in this chapter, or otherwise to administer a vendor single interest or collateral protection coverage program in a manner similar to that required under this chapter, shall not be admissib…
RCW 48.22.140 Driver's license suspension for nonpayment of child support—Exclusion of unlicensed driver from insurance coverage not applicable—Notation in driving record.
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In the event that the department of licensing suspends a driver's license solely for the nonpayment of child support as provided in chapter 74.20A RCW or for noncompliance with a *residential or visitation order as provided in chapter 26.09 RCW, any provision in the driver's moto…
RCW 48.22.900 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 …
RCW 48.23.010 Scope of chapter.
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This chapter applies to contracts of life insurance and annuities other than group life insurance, group annuities, and, except for RCW 48.23.260, 48.23.270, and 48.23.340, other than industrial life insurance. However, Title 48 RCW does not apply to charitable gift annuities iss…
RCW 48.23.015 Purchase or exchange of annuities—Definitions—Standards—Requirements—Conduct—Records—Penalties—Rules.
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(1) This section applies to any sale or recommendation of an annuity.(2) For the purposes of this section:(a) "Annuity" means a fixed annuity or variable annuity that is individually solicited, whether the product is classified as an individual or group annuity.(b) "Cash compensa…
RCW 48.23.020 Standard provisions required—Life insurance.
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(1) No policy of life insurance other than industrial, group and pure endowments with or without return of premiums or of premiums and interest, shall be delivered or issued for delivery in this state unless it contains in substance all of the provisions required by RCW 48.23.030…
RCW 48.23.030 Grace period.
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*** CHANGE IN 2026 *** (SEE 2428-S.SL) ***There shall be a provision that the insured is entitled to a grace period of one month, but not less than thirty days, within which the payment of any premium after the first may be made, subject at the option of the insurer to an interes…
RCW 48.23.040 Entire contract—Representations.
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In all such policies other than those containing a clause making the policy incontestable from date of issue, there shall be a provision that the policy and the application therefor, if a copy thereof has been endorsed upon or attached to the policy at issue and made a part there…