Title 48 - Insurance
- 48.01 - Initial provisions.
- 48.01.010 - Short title.
- 48.01.020 - Scope of code.
- 48.01.030 - Public interest.
- 48.01.035 - "Developmental disability" defined.
- 48.01.040 - "Insurance" defined.
- 48.01.050 - "Insurer" defined.
- 48.01.053 - "Issuer" defined.
- 48.01.060 - "Insurance transaction" defined.
- 48.01.070 - "Person" defined.
- 48.01.080 - Penalties.
- 48.01.090 - Severability -- 1947 c 79.
- 48.01.100 - Existing officers.
- 48.01.110 - Existing licenses.
- 48.01.120 - Existing insurance forms.
- 48.01.130 - Existing actions, violations.
- 48.01.140 - Headings.
- 48.01.150 - Particular provisions prevail.
- 48.01.160 - Repealed acts not revived.
- 48.01.170 - Effective date -- 1947 c 79.
- 48.01.180 - Adopted children -- Insurance coverage.
- 48.01.190 - Immunity from civil liability.
- 48.01.220 - Mental health regional support networks -- Limited exemption.
- 48.01.230 - Eligibility for coverage or making payments may not be contingent on eligibility for medical assistance.
- 48.01.235 - Enrollment of a child under the health plan of the child's parent -- Requirements -- Restrictions.
- 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 -- Violati
- 48.01.260 - Health benefit plans -- Carriers -- Clarification.
- 48.01.270 - PACE programs--Exemption.
- 48.01.280 - Private air ambulance service -- Exempt when conditions are met.
- 48.02 - Insurance commissioner.
- 48.02.010 - Insurance commissioner.
- 48.02.020 - Term of office.
- 48.02.030 - Bond.
- 48.02.050 - Seal.
- 48.02.060 - General powers and duties -- State of emergency.
- 48.02.062 - Mental health services -- Rules.
- 48.02.065 - Confidentiality of documents, materials, or other information -- Public disclosure.
- 48.02.080 - Enforcement.
- 48.02.090 - Deputies -- Employees.
- 48.02.100 - Commissioner may delegate authority.
- 48.02.110 - Office.
- 48.02.120 - Records.
- 48.02.122 - Filings or actions affecting corporate or company name -- Notice to secretary of state.
- 48.02.130 - Certificates -- Copies -- Evidentiary effect.
- 48.02.140 - Interstate cooperation.
- 48.02.150 - Supplies -- "Convention blanks."
- 48.02.160 - Special duties.
- 48.02.170 - Annual report.
- 48.02.180 - Publication of insurance code and related statutes, manuals, etc. -- Distribution -- Sale.
- 48.02.190 - Operating costs of office -- Insurance commissioner's regulatory account -- Regulatory surcharge.
- 48.02.200 - When legal process against a person is served on the commission.
- 48.03 - Examinations.
- 48.03.005 - Application.
- 48.03.010 - Examination of insurers, bureaus.
- 48.03.020 - Examination of producers, surplus line brokers, adjusters, title insurance agents, managers, or promoters.
- 48.03.025 - Examiners -- Scope of examination -- Examiners' handbook.
- 48.03.030 - Access to records on examination -- Correction of accounts.
- 48.03.040 - Examination reports -- Consideration by commissioner -- Orders -- Confidentiality.
- 48.03.050 - Reports withheld.
- 48.03.060 - Examination expense.
- 48.03.065 - Appointments by commissioner -- Examiners -- Exceptions.
- 48.03.070 - Witnesses -- Subpoenas -- Depositions -- Oaths.
- 48.03.075 - Legal protection for commissioner, authorized representatives, and examiners -- Good faith -- Attorneys' fees -- Payment by commissioner.
- 48.04 - Hearings and appeals.
- 48.05 - Insurers -- General requirements.
- 48.05.010 - "Domestic," "foreign," "alien" insurers defined.
- 48.05.030 - Certificate of authority required.
- 48.05.040 - Certificate of authority -- Qualifications.
- 48.05.045 - Certificate of authority not to be issued to governmentally owned insurer.
- 48.05.050 - "Charter" defined.
- 48.05.060 - "Capital funds" defined.
- 48.05.070 - Application for certificate of authority.
- 48.05.073 - Filing of financial statements.
- 48.05.080 - Foreign insurers -- Deposit.
- 48.05.090 - Alien insurers -- Assets required -- Trust deposit.
- 48.05.100 - Alien insurers -- Deposit resolution.
- 48.05.105 - Foreign or alien insurers -- Three years active transacting required -- Exception.
- 48.05.110 - Issuance of certificate of authority.
- 48.05.120 - Certificate of authority -- Duration, renewal, amendment.
- 48.05.130 - Certificate of authority -- Mandatory refusal, revocation, suspension.
- 48.05.140 - Certificate of authority -- Discretionary refusal, revocation, suspension.
- 48.05.150 - Notice of intention to refuse, revoke, or suspend.
- 48.05.160 - Period of suspension.
- 48.05.170 - Reauthorization, limitation upon.
- 48.05.180 - Notice of refusal, revocation, suspension -- Effect upon insurance producers' or title insurance agents' authority.
- 48.05.185 - Fine in addition or in lieu of suspension, revocation, or refusal.
- 48.05.190 - Name of insurer.
- 48.05.200 - Commissioner as attorney for service of process -- Exception.
- 48.05.210 - Service of process -- Procedure.
- 48.05.215 - Unauthorized foreign or alien insurers -- Jurisdiction of state courts -- Service of process -- Procedure.
- 48.05.220 - Venue of actions against insurer.
- 48.05.250 - Annual statement.
- 48.05.270 - Alien insurer -- Capital funds, determination.
- 48.05.280 - Records and accounts of insurers.
- 48.05.290 - Withdrawal of insurer -- Reinsurance.
- 48.05.320 - Reports of fire losses.
- 48.05.330 - Insurers -- Combination of kinds of insurance authorized -- Exceptions.
- 48.05.340 - Capital and surplus requirements.
- 48.05.350 - General casualty insurer combining disability, fidelity, insurance.
- 48.05.370 - Fiduciary relationship to insurer of officers, directors or corporation holding controlling interest.
- 48.05.380 - Reports by property and casualty insurers -- Rules.
- 48.05.383 - Statement of actuarial opinion -- Property and casualty insurance.
- 48.05.385 - Statement of actuarial opinion -- Property and casualty insurance -- Confidentiality.
- 48.05.390 - Reports by various insurers -- Contents.
- 48.05.400 - Annual filing and fee to National Association of Insurance Commissioners -- Penalty.
- 48.05.410 - Health care practitioner risk management training.
- 48.05.430 - Definitions.
- 48.05.435 - Report of RBC levels -- Formula for determining levels -- Inaccurate reports adjusted by commissioner.
- 48.05.440 - Company action level event -- Definition -- RBC plan -- Commissioner's review.
- 48.05.445 - Regulatory action level event -- Definition -- Commissioner's duties -- Corrective actions.
- 48.05.450 - Authorized control level event -- Definition -- Commissioner's duties.
- 48.05.455 - Mandatory control level event -- Definition -- Commissioner's duties.
- 48.05.460 - Insurer's right to a hearing -- Request -- Commissioner sets date.
- 48.05.465 - Confidentiality of RBC reports and plans -- Use of information for comparative purposes -- Use of information to monitor solvency.
- 48.05.470 - Regulation of capital and surplus requirements is supplemental -- Commissioner may grant exemptions.
- 48.05.475 - RBC report from foreign or alien insurers -- Request of commissioner -- Commissioner's options.
- 48.05.480 - No liability for regulation of capital and surplus requirements.
- 48.05.485 - Notices by commissioner -- When effective.
- 48.05.510 - Disclosure of certain material transactions -- Insurer's report -- Information is confidential.
- 48.05.515 - Material acquisitions or dispositions.
- 48.05.520 - Asset acquisitions--Asset dispositions.
- 48.05.525 - Report of a material acquisition or disposition of assets--Information required.
- 48.05.530 - Material nonrenewals, cancellations, or revisions of ceded reinsurance agreements.
- 48.05.535 - Report of a material nonrenewal, cancellation, or revision of ceded reinsurance agreements -- Information required.
- 48.05.900 - Severability -- 1995 c 83.
- 48.06 - Organization of domestic insurers.
- 48.06.010 - Types of domestic insurers permitted.
- 48.06.020 - Assessment mutuals prohibited -- Exceptions.
- 48.06.030 - Solicitation permit.
- 48.06.040 - Application for solicitation permit.
- 48.06.050 - Procedure upon application.
- 48.06.060 - Issuance of permit -- Bond.
- 48.06.070 - Duration of permit -- Contents.
- 48.06.080 - Permit as inducement.
- 48.06.090 - Solicitors' licenses.
- 48.06.100 - Modification, revocation of permit.
- 48.06.110 - Bond -- Cash deposit.
- 48.06.120 - Escrow of funds.
- 48.06.130 - Liability of organizers -- Organization expense.
- 48.06.150 - Payment for subscriptions -- Forfeiture.
- 48.06.160 - Insurance applications -- Mutual and reciprocal insurers.
- 48.06.170 - Procedure on failure to complete organization or to qualify.
- 48.06.180 - Subsequent financing.
- 48.06.190 - Penalty for exhibiting false accounts, etc.
- 48.06.200 - Incorporation, articles of -- Contents.
- 48.07 - Domestic insurers -- Powers.
- 48.07.010 - Application of code to existing insurers.
- 48.07.020 - Principal office.
- 48.07.030 - Application of general corporation laws.
- 48.07.040 - Annual, special meetings.
- 48.07.050 - Directors -- Qualifications -- Removal.
- 48.07.060 - Corrupt practices -- Penalty.
- 48.07.070 - Amendment of articles of incorporation.
- 48.07.080 - Guarantee of officers' obligations prohibited.
- 48.07.100 - Vouchers for expenditures.
- 48.07.110 - Depositaries.
- 48.07.130 - Pecuniary interest of officer or director, restrictions upon.
- 48.07.140 - Compliance with foreign laws.
- 48.07.150 - Solicitations in other states.
- 48.07.160 - Continuing operation in event of national emergency -- Declaration of purpose -- "Insurer" defined.
- 48.07.170 - Continuing operation in event of national emergency -- Emergency bylaws.
- 48.07.180 - Continuing operation in event of national emergency -- Directors.
- 48.07.190 - Continuing operation in event of national emergency -- Officers.
- 48.07.200 - Continuing operation in event of national emergency -- Principal office and place of business.
- 48.07.203 - Continuing operation in event of emergency -- Written plan required.
- 48.07.205 - Continuing operation in event of emergency -- Planning standards -- Rules.
- 48.07.210 - Conversion to domestic insurer.
- 48.08 - Domestic stock insurers.
- 48.08.010 - Increase of capital stock.
- 48.08.020 - Reduction of capital stock.
- 48.08.030 - Dividends to stockholders.
- 48.08.040 - Illegal dividends, reductions -- Penalty against directors.
- 48.08.050 - Impairment of capital.
- 48.08.060 - Repayment of contributions to surplus.
- 48.08.070 - Participating policies.
- 48.08.080 - Mutualization of stock insurers.
- 48.08.090 - Stockholder meetings -- Duty to inform stockholders of matters to be presented -- Proxies.
- 48.08.100 - Equity security -- Defined.
- 48.08.110 - Equity security -- Duty to file statement of ownership.
- 48.08.120 - Equity security -- Profits from short term transactions -- Remedies -- Limitation of actions.
- 48.08.130 - Equity security -- Sales, unlawful practices.
- 48.08.140 - Equity security -- Exemptions -- Sales by dealer.
- 48.08.150 - Equity security -- Exemptions -- Foreign or domestic arbitrage transactions.
- 48.08.160 - Equity security -- Exemptions -- Securities registered or required to be, or no class held by one hundred or more persons.
- 48.08.170 - Equity security -- Rules and regulations.
- 48.08.190 - Failure to file required information, documents, or reports -- Forfeiture.
- 48.09 - Mutual insurers.
- 48.09.010 - Initial qualifications.
- 48.09.090 - Additional kinds of insurance.
- 48.09.100 - Minimum surplus.
- 48.09.110 - Membership.
- 48.09.120 - Rights of members.
- 48.09.130 - Bylaws.
- 48.09.140 - Notice of annual meeting.
- 48.09.150 - Voting -- Proxies.
- 48.09.160 - Directors -- Disqualification.
- 48.09.180 - Limitation of expenses as to property and casualty insurance.
- 48.09.190 - Procedure upon violation of limitation.
- 48.09.210 - Limitation of action on officer's salary.
- 48.09.220 - Contingent liability of members.
- 48.09.230 - Assessment of members.
- 48.09.235 - Issuing a capital call -- Notice -- Insurer's duties -- Rules.
- 48.09.240 - Contingent liability of members of assessment insurer.
- 48.09.250 - Contingent liability as asset.
- 48.09.260 - Liability as lien on policy reserves.
- 48.09.270 - Nonassessable policies.
- 48.09.280 - Qualification on issuance of nonassessable policies.
- 48.09.290 - Revocation of right to issue nonassessable policies.
- 48.09.300 - Dividends.
- 48.09.310 - Nonparticipating policies.
- 48.09.320 - Borrowed capital.
- 48.09.330 - Repayment of borrowed capital.
- 48.09.340 - Impairment of surplus.
- 48.09.350 - Reorganization of mutual as stock insurer -- Reinsurance -- Approval.
- 48.09.360 - Distribution of assets and ownership equities upon liquidation.
- 48.10 - Reciprocal insurers.
- 48.10.010 - "Reciprocal insurance" defined.
- 48.10.020 - "Reciprocal insurer" defined.
- 48.10.030 - Scope of chapter.
- 48.10.050 - Insuring powers of reciprocals.
- 48.10.055 - Real property -- Attorney's duty.
- 48.10.060 - Name -- Suits.
- 48.10.070 - Surplus funds required.
- 48.10.080 - Attorney.
- 48.10.090 - Organization of reciprocal.
- 48.10.100 - Policies of original subscribers, effective when.
- 48.10.110 - Certificate of authority.
- 48.10.120 - Power of attorney.
- 48.10.130 - Modification of subscriber's agreement or power of attorney.
- 48.10.140 - Attorney's bond.
- 48.10.150 - Deposit in lieu of bond.
- 48.10.160 - Actions on bond.
- 48.10.170 - Service of legal process.
- 48.10.180 - Annual statement.
- 48.10.190 - Attorney's contribution -- Repayment.
- 48.10.200 - Determination of financial condition.
- 48.10.220 - Who may become subscriber.
- 48.10.230 - Subscribers' advisory committee.
- 48.10.250 - Assessment liability of subscriber.
- 48.10.260 - Action against subscriber requires judgment against insurer.
- 48.10.270 - Assessments.
- 48.10.280 - Time limit for assessment.
- 48.10.290 - Aggregate liability.
- 48.10.300 - Nonassessable policies.
- 48.10.310 - Return of savings to subscribers.
- 48.10.320 - Distribution of assets upon liquidation.
- 48.10.330 - Merger -- Conversion to stock or mutual insurer.
- 48.10.340 - Impairment of assets -- Procedure.
- 48.102 - Life settlements act.
- 48.11 - Insuring powers.
- 48.11.020 - "Life insurance" defined.
- 48.11.030 - "Disability insurance" defined -- "Stop loss insurance" defined.
- 48.11.040 - "Property insurance" defined.
- 48.11.050 - "Marine and transportation insurance" defined.
- 48.11.060 - "Vehicle insurance" defined.
- 48.11.070 - "General casualty insurance" defined.
- 48.11.080 - "Surety insurance" defined.
- 48.11.100 - "Title insurance" defined.
- 48.11.105 - "Ocean marine and foreign trade insurances" defined.
- 48.11.130 - Reinsurance powers.
- 48.11.140 - Limitation of single risk.
- 48.110 - Service contracts and protection product guarantees.
- 48.111 - Home heating fuel service contracts.
- 48.115 - Rental car insurance.
- 48.12 - Assets and liabilities.
- 48.12.010 - "Assets" defined.
- 48.12.020 - Nonallowable assets.
- 48.12.030 - Liabilities.
- 48.12.040 - Unearned premium reserve, property, casualty, and surety insurance.
- 48.12.050 - Unearned premium reserve, marine and transportation insurance.
- 48.12.060 - Reserve -- Disability insurance.
- 48.12.070 - Loss records.
- 48.12.080 - Increased reserves.
- 48.12.090 - Loss reserves -- Liability insurance.
- 48.12.100 - Unallocated liability loss expense.
- 48.12.110 - Schedule of experience.
- 48.12.140 - "Loss payments," "loss expense" defined.
- 48.12.154 - Rules.
- 48.12.156 - Qualified United States financial institution--Definition.
- 48.12.158 - Insolvency of non-United States insurer or reinsurer -- Maintenance of assets -- Claims.
- 48.12.160 - Credit for reinsurance -- Trust fund -- Regulatory oversight.
- 48.12.162 - Credit for reinsurance -- Contract provisions -- After December 31, 1996 -- Payment -- Rights of original insured or policyholder.
- 48.12.164 - Credit for reinsurance -- Accounting or financial statement -- After December 31, 1996.
- 48.12.166 - Assuming alien reinsurer -- Registration -- Requirements -- Duties of commissioner -- Costs.
- 48.12.168 - Credit for reinsurance -- Foreign ceding insurer.
- 48.12.170 - Valuation of bonds.
- 48.12.180 - Valuation of stocks.
- 48.12.190 - Valuation of property.
- 48.12.200 - Valuation of purchase money mortgages.
- 48.120 - Specialty producer licenses -- Communications equipment or services.
- 48.125 - Self-funded multiple employer welfare arrangements.
- 48.13 - Investments.
- 48.13.010 - Scope of chapter -- Eligible investments.
- 48.13.020 - General qualifications.
- 48.13.030 - Limitation on securities of one entity or a depository institution.
- 48.13.040 - Public obligations.
- 48.13.050 - Corporate obligations.
- 48.13.060 - Terms defined.
- 48.13.070 - Securities of merged or reorganized institutions.
- 48.13.080 - Preferred or guaranteed stocks.
- 48.13.090 - Trustees' or receivers' obligations.
- 48.13.100 - Equipment trust certificates.
- 48.13.110 - Mortgages, deeds of trust, mortgage bonds, notes, contracts.
- 48.13.120 - Investments limited by property value.
- 48.13.125 - Mortgage loans on one family dwellings -- Limitation on amortization.
- 48.13.130 - "Encumbrance" defined.
- 48.13.140 - Appraisal of property -- Insurance -- Limit of loan.
- 48.13.150 - Auxiliary chattel mortgages.
- 48.13.160 - Real property owned -- Home office building.
- 48.13.170 - Disposal of real property -- Time limit.
- 48.13.180 - Foreign securities.
- 48.13.190 - Policy loans.
- 48.13.200 - Savings and share accounts.
- 48.13.210 - Insurance stocks.
- 48.13.218 - Limitation on insurer loans or investments.
- 48.13.220 - Common stocks -- Investment -- Acquisition -- Engaging in certain businesses.
- 48.13.230 - Collateral loans.
- 48.13.240 - Miscellaneous investments.
- 48.13.250 - Special consent investments.
- 48.13.260 - Required investments for capital and reserves.
- 48.13.265 - Investments secured by real estate -- Amount restricted.
- 48.13.270 - Prohibited investments.
- 48.13.273 - Acquisition of medium and lower grade obligations -- Definitions -- Limitations -- Rules.
- 48.13.275 - Obligations rated by the securities valuation office.
- 48.13.280 - Securities underwriting, agreements to withhold or repurchase, prohibited.
- 48.13.285 - Derivative transactions -- Restrictions -- Definitions -- Rules.
- 48.13.290 - Disposal of ineligible property or securities.
- 48.13.340 - Authorization of investments.
- 48.13.350 - Record of investments.
- 48.13.360 - Investments of foreign and alien insurers.
- 48.13.450 - Safeguarding securities -- Definitions.
- 48.13.455 - Safeguarding securities -- Deposit in a clearing corporation -- Certificates -- Records.
- 48.13.460 - Safeguarding securities -- Authorized methods of holding securities.
- 48.13.465 - Safeguarding securities -- Requirement to receive a confirmation.
- 48.13.470 - Safeguarding securities -- Broker executing a trade -- Time limits.
- 48.13.475 - Safeguarding securities -- Maintenance with a custodian -- Commissioner may order transfer -- Challenge to order -- Standing at hearing or for judicial review.
- 48.13.480 - Safeguarding securities -- Insurance company's securities -- Written agreement with custodian -- Required terms.
- 48.13.490 - Safeguarding securities -- Rules.
- 48.130 - Interstate insurance product regulation compact.
- 48.135 - Insurance fraud program.
- 48.14 - Fees and taxes.
- 48.14.010 - Fee schedule.
- 48.14.020 - Premium taxes.
- 48.14.0201 - Premiums and prepayments tax -- Health care services -- Exemptions -- State preemption.
- 48.14.021 - Reduction of tax -- Policies connected with pension, etc., plans exempt or qualified under internal revenue code.
- 48.14.022 - Taxes -- Exemptions and deductions.
- 48.14.025 - Prepayment of tax obligations under RCW 48.14.020.
- 48.14.027 - Exemption for state health care premiums before July 1, 1990.
- 48.14.030 - Tax statement.
- 48.14.040 - Retaliatory provision.
- 48.14.060 - Failure to pay tax -- Penalty.
- 48.14.070 - Refunds.
- 48.14.080 - Premium tax in lieu of other forms -- Exceptions -- Definition.
- 48.14.090 - Determining amount of direct premium taxable in this state.
- 48.14.095 - Unlawful or delinquent insurers or taxpayers -- Computing the tax payable -- Risks, exposures, or enrolled participants only partially in state.
- 48.14.100 - Foreign or alien insurers, continuing liability for taxes.
- 48.140 - Medical malpractice closed claim reporting.
- 48.15 - Unauthorized insurers.
- 48.15.015 - Rules.
- 48.15.020 - Solicitation by unauthorized insurer prohibited -- Personal liability.
- 48.15.023 - Unauthorized activities -- Acts committed in this state -- Sanctions.
- 48.15.025 - Application of other chapters to surplus line brokers.
- 48.15.030 - Validity of contracts illegally effectuated.
- 48.15.040 - "Surplus line" coverage.
- 48.15.050 - Endorsement of contract.
- 48.15.060 - Validity of contracts.
- 48.15.070 - Surplus line brokers -- Licensing -- Bond -- Renewal.
- 48.15.073 - Nonresident surplus line brokers -- Licensing -- Reciprocity -- Service of process.
- 48.15.080 - Licensed surplus line broker may accept business.
- 48.15.085 - Liability of insurer assuming direct risk.
- 48.15.090 - Solvent insurer required.
- 48.15.100 - Record of surplus line broker.
- 48.15.103 - Use of business name -- Place of business -- Duties of surplus line broker.
- 48.15.110 - Broker's annual statement.
- 48.15.120 - Premium tax -- Surplus lines.
- 48.15.130 - Penalty for default.
- 48.15.140 - Revocation, suspension, or failure to renew surplus line broker's license -- Civil penalty.
- 48.15.142 - Suspension for failure to comply with support order.
- 48.15.150 - Legal process against surplus line insurer.
- 48.15.160 - Exemptions from surplus line requirements.
- 48.15.170 - Records of insureds -- Inspection.
- 48.15.180 - Surplus line broker's fiduciary capacity -- Violations.
- 48.15.185 - Determination of qualifications and competence by state -- Unlawful use of questions.
- 48.150 - Direct patient-provider primary health care.
- 48.155 - Health care discount plan organization act.
- 48.16 - Deposits of insurers.
- 48.16.010 - Deposits of insurers -- In general.
- 48.16.020 - Deposits to be held in trust.
- 48.16.030 - Securities eligible for deposit.
- 48.16.050 - Commissioner's receipt -- Records.
- 48.16.060 - Transfer of securities.
- 48.16.070 - Depositaries -- Designation.
- 48.16.080 - Liability for safekeeping.
- 48.16.090 - Dividends and substitutions.
- 48.16.100 - Release of deposits -- Generally.
- 48.16.110 - Release of existing deposits.
- 48.16.120 - Voluntary excess deposits.
- 48.16.130 - Immunity from levy.
- 48.160 - Guaranteed asset protection waivers.
- 48.160.001 - Purpose -- Application.
- 48.160.005 - Guaranteed asset protection waiver account.
- 48.160.010 - Definitions.
- 48.160.020 - Waivers limited to motor vehicle financing -- Registration, when required -- Application.
- 48.160.030 - Waivers -- Requirements for offering, selling, or providing -- Terms -- Insuring obligations -- Funds -- Assignment.
- 48.160.040 - Insuring waiver obligations -- Contractual liability or other insurance policies.
- 48.160.050 - Required disclosures.
- 48.160.060 - Cancellations -- Refunds -- Free look period -- Disclosure required.
- 48.160.070 - Commissioner's authority to enforce chapter -- Rules.
- 48.160.080 - Failure to register when required -- Criminal and civil penalties -- Personal liability.
- 48.160.900 - Date of application -- 2009 c 334.
- 48.164 - Excess flood insurance -- Joint underwriting association.
- 48.164.005 - Purpose.
- 48.164.010 - Definitions.
- 48.164.013 - Rules.
- 48.164.015 - Creation of association -- Hearing -- Required findings -- Appeal.
- 48.164.018 - Report to legislature.
- 48.164.025 - Amounts of coverage authorized.
- 48.164.035 - Application for insurance -- Denial requires explanation.
- 48.164.045 - Composition of association.
- 48.164.055 - Administration by governing board -- Composition -- Fiduciary relationship -- Indemnification.
- 48.164.065 - Plan of operation.
- 48.164.075 - Annual statement.
- 48.164.085 - Examination of association.
- 48.164.095 - Responsibility for losses -- Fees and taxes.
- 48.164.105 - Association funded by premiums -- Assessments authorized.
- 48.164.115 - Period of operation -- Dissolving association.
- 48.164.125 - Assistance for persons located near dam -- Market assistance plan required.
- 48.164.900 - Effective date -- 2010 c 230.
- 48.164.901 - Expiration date -- 2010 c 230.
- 48.165 - Uniform administrative procedures -- Health care services.
- 48.165.005 - Findings -- Intent.
- 48.165.010 - Definitions.
- 48.165.030 - Designation of lead organizations -- Coordination responsibility -- Qualifications -- Lead organization's duties -- Commissioner's duties.
- 48.165.035 - Lead organization tasks -- Uniform electronic process.
- 48.165.040 - Lead organization tasks -- Uniform standard companion document and data set.
- 48.165.045 - Lead organization tasks -- Implementation guidelines -- Code development and standardization -- Denial review process.
- 48.165.050 - Lead organization tasks -- Develop and promote uniform practices -- Medical management protocols.
- 48.17 - Insurance producers, title insurance agents, and adjusters.
- 48.17.005 - Rule making.
- 48.17.010 - Definitions.
- 48.17.060 - License required.
- 48.17.062 - Insurance producer license not required under chapter 117, Laws of 2007.
- 48.17.063 - Unlicensed activities -- Acts committed in this state--Sanctions.
- 48.17.065 - Application of chapter to insurance producers appointed by health care service contractors, health maintenance organizations, or both.
- 48.17.067 - Determining whether authorization exists -- Burden on insurance producer or title insurance agent.
- 48.17.090 - Application for license -- Commissioner's findings.
- 48.17.110 - Examination of applicants -- Exemptions -- Rules.
- 48.17.125 - Examination questions -- Confidentiality -- Penalties.
- 48.17.150 - Continuing education courses and requirements -- Rules.
- 48.17.153 - Agents selling federal flood insurance policies -- Training requirements.
- 48.17.160 - Appointment of agents -- Approval -- Termination -- Fees.
- 48.17.170 - Insurance producers', title insurance agents', and adjusters' licenses -- Authorized lines of authority -- Definitions -- Form and content of licenses.
- 48.17.173 - Nonresident license request -- Conditions for approval -- Service of legal process.
- 48.17.175 - In-state applicant has license in another state.
- 48.17.180 - Doing business under any name other than legal name.
- 48.17.250 - Insurance producer's bond.
- 48.17.270 - Insurance producer as insurer's agent -- Compensation -- Disclosure.
- 48.17.380 - Adjusters -- Application form -- Qualifications for license -- Bond.
- 48.17.390 - Independent, public, or crop adjusters -- Separate licenses.
- 48.17.410 - Authority of adjuster.
- 48.17.420 - Appointed agent may adjust -- When license or certification is required -- Nonresident adjusters or crop adjusters.
- 48.17.430 - Public adjuster's bond.
- 48.17.450 - Place of business.
- 48.17.460 - Display of license.
- 48.17.470 - Records of insurance producers, title insurance agents, adjusters.
- 48.17.475 - Licensee to reply promptly to inquiry by commissioner.
- 48.17.480 - Reporting and accounting for premiums.
- 48.17.490 - Must be licensed to receive a commission, service fee, or other valuable consideration.
- 48.17.510 - Temporary licenses -- Restrictions -- Commissioner's discretion.
- 48.17.530 - Commissioner may place on probation, suspend, revoke, or refuse to issue or renew a license.
- 48.17.535 - License or certificate suspension -- Noncompliance with support order -- Reissuance.
- 48.17.540 - Procedure to suspend, revoke, or refuse -- Effect of conviction of felony.
- 48.17.550 - Duration of suspension.
- 48.17.560 - Fines may be imposed.
- 48.17.563 - Insurance education providers -- Commissioner's approval -- Renewal fee.
- 48.17.565 - Insurance education providers -- Violations -- Costs awarded.
- 48.17.568 - Insurance education providers -- Bond.
- 48.17.591 - Termination of agency contract -- Effect on insured -- Definition -- Application of section.
- 48.17.595 - Termination of business relationship with an insurance producer or title insurance agent -- Notice -- Confidentiality of information -- Immunity from civil liability.
- 48.17.597 - Administrative action taken against a licensee in another jurisdiction or governmental agency -- Report to commissioner.
- 48.17.600 - Separation of premium funds.
- 48.17.900 - Severability -- 2007 c 117.
- 48.17.901 - Effective date -- 2007 c 117.
- 48.17.902 - Construction -- Chapter applicable to state registered domestic partnerships -- 2009 c 521.
- 48.170 - Self-service storage insurance producers.
- 48.170.005 - Definitions.
- 48.170.007 - Rules.
- 48.170.010 - License required.
- 48.170.020 - Application for a license -- Requirements.
- 48.170.030 - Licensee exempt from continuing education requirements.
- 48.170.040 - Authority conveyed by license.
- 48.170.050 - Preconditions to soliciting insurance.
- 48.170.060 - Required written disclosure material -- Contents.
- 48.170.070 - Employee acting under authority of license -- Conditions -- Limitations.
- 48.170.900 - Effective date -- 2009 c 119.
- 48.18 - The insurance contract.
- 48.18.010 - Scope of chapter.
- 48.18.020 - Power to contract.
- 48.18.030 - Insurable interest -- Personal insurances -- Nonprofit organizations -- Rules.
- 48.18.040 - Insurable interest -- Property insurances.
- 48.18.050 - Named insured -- Interest insured.
- 48.18.060 - Application -- Consent -- When required.
- 48.18.070 - Alteration of application.
- 48.18.080 - Application as evidence.
- 48.18.090 - Warranties and misrepresentations, effect of.
- 48.18.100 - Forms of policies -- Filing, certification, and approval -- Exceptions.
- 48.18.103 - Forms of commercial property casualty policies -- Legislative intent -- Issuance prior to filing -- Disapproval by commissioner -- Definition.
- 48.18.110 - Grounds for disapproval.
- 48.18.120 - Standard forms.
- 48.18.125 - Loss payable and mortgagee clauses for property and automobile physical damage insurances -- Requirement to use adopted forms.
- 48.18.130 - Standard provisions.
- 48.18.140 - Contents of policies in general.
- 48.18.150 - Additional contents.
- 48.18.160 - Charter or bylaw provisions.
- 48.18.170 - "Premium" defined.
- 48.18.180 - Stated premium must include all charges.
- 48.18.190 - Policy must contain entire contract.
- 48.18.200 - Limiting actions, jurisdiction.
- 48.18.210 - Execution of policies.
- 48.18.220 - Receipt of premium to bind coverage -- Contents of receipt.
- 48.18.230 - Binders -- Duration -- Premium.
- 48.18.240 - Binders -- Insurance producer's or title insurance agent's liability.
- 48.18.250 - Underwriters' and combination policies.
- 48.18.260 - Delivery of policy.
- 48.18.280 - Renewal of policy.
- 48.18.289 - Cancellation, nonrenewal, renewal offer -- Notice to insurance producer or title insurance agent.
- 48.18.290 - Cancellation by insurer.
- 48.18.2901 - Renewal required -- Exceptions.
- 48.18.291 - Cancellation of private automobile insurance by insurer -- Notice -- Requirements.
- 48.18.292 - Refusal to renew private automobile insurance by insurer -- Change in amount of premium or deductibles.
- 48.18.293 - Nonliability of commissioner, agents, insurer for information giving reasons for cancellation or refusal to renew -- Proof of mailing of notice.
- 48.18.295 - RCW 48.18.290 through 48.18.297 not to prevent cancellation or nonrenewal, when.
- 48.18.296 - Contracts to which RCW 48.18.291 through 48.18.297 inapplicable.
- 48.18.297 - Private passenger automobile defined.
- 48.18.298 - Disability insurance -- Refusal to renew by insurer.
- 48.18.299 - Disability insurance -- Cancellation by insurer.
- 48.18.300 - Cancellation by insured.
- 48.18.310 - Cancellation by commissioner.
- 48.18.320 - Annulment of liability policies.
- 48.18.340 - Dividends payable to real party in interest.
- 48.18.350 - Breach of warranty prior to loss -- Effect.
- 48.18.360 - Assignment of policies -- Life and disability.
- 48.18.370 - Payment discharges insurer -- Life and disability.
- 48.18.375 - Assignment of interests under group insurance policy.
- 48.18.390 - Simultaneous deaths -- Payment of proceeds -- Life insurance.
- 48.18.400 - Exemption of proceeds -- Disability.
- 48.18.410 - Exemption of proceeds -- Life.
- 48.18.420 - Exemption of proceeds -- Group life.
- 48.18.430 - Exemption of proceeds, commutation -- Annuities.
- 48.18.440 - Spouse's rights in life insurance policy.
- 48.18.450 - Life insurance payable to trustee named as beneficiary in the policy.
- 48.18.452 - Life insurance designating as beneficiary a trustee named by will.
- 48.18.460 - Proof of loss -- Furnishing forms -- May require oath.
- 48.18.470 - Claims administration -- Not waiver.
- 48.18.480 - Discrimination prohibited.
- 48.18.510 - Validity of noncomplying forms.
- 48.18.520 - Construction of policies.
- 48.18.540 - Cancellations, denials, refusals to renew -- Written notification.
- 48.18.543 - Single premium credit insurance -- Residential mortgage loan -- Restrictions -- Definitions.
- 48.18.545 - Underwriting restrictions that apply to personal insurance -- Credit history or insurance score -- Rules.
- 48.18.547 - Underwriting restrictions that apply to medical malpractice insurance -- Rules.
- 48.18.550 - Victims of domestic abuse -- Prohibition on certain cancellations, denials, refusals to renew, and different rates -- Domestic abuse defined.
- 48.18.553 - Victims of malicious harassment -- Restrictions of underwriting actions -- Definitions.
- 48.18.555 - Property insurance -- Actions resulting from arson or malicious mischief -- Definitions.
- 48.18.565 - Homeowner's insurance -- Foster parent.
- 48.18.570 - Life insurance -- Lawful travel destinations.
- 48.18.580 - Employer-owned life insurance -- Requirements.
- 48.18.583 - Employer-owned life insurance -- Application to policies.
- 48.18.586 - Employer-owned life insurance -- Rules.
- 48.18.900 - Construction -- Chapter applicable to state registered domestic partnerships -- 2009 c 521.
- 48.18A - Variable contract act.
- 48.18A.010 - Short title -- Intent.
- 48.18A.020 - Separate accounts authorized -- Allocations -- Benefits -- Limitations -- Valuation -- Sale, transfer, or exchange of assets.
- 48.18A.030 - Statements required in contracts -- Payment on death, incidental benefit provision.
- 48.18A.035 - Return of policy and refund of premium -- Notice required -- Effect of return.
- 48.18A.040 - Requirements for operation under this chapter -- Considerations -- Authorization of subsidiary or affiliate -- Exceptions.
- 48.18A.050 - Applicability of other code provisions -- Contract requirements.
- 48.18A.060 - Licensing requirement.
- 48.18A.070 - Authority of commissioner.
- 48.18A.900 - Effective date -- 1969 c 104.
- 48.19 - Rates.
- 48.19.010 - Scope of chapter.
- 48.19.020 - Rate standard.
- 48.19.030 - Making of rates -- Criteria.
- 48.19.035 - Making of rates -- Definitions -- Personal insurance -- Use of credit history or insurance scores -- Rules.
- 48.19.040 - Filing required -- Contents.
- 48.19.043 - Forms of commercial property casualty policies -- Legislative intent -- Issuance prior to filing -- Disapproval by commissioner -- Definition.
- 48.19.050 - Filings by rating bureau.
- 48.19.060 - Filings -- Review, waiting period, disapproval.
- 48.19.070 - Special filings.
- 48.19.080 - Waiver of filing.
- 48.19.090 - Excess rates on specific risks.
- 48.19.100 - Disapproval of filing.
- 48.19.110 - Disapproval of special filing.
- 48.19.120 - Subsequent disapproval.
- 48.19.140 - Rating organizations -- Discrimination -- "Subscriber" defined.
- 48.19.150 - Subscribership not required.
- 48.19.160 - Rating organization license.
- 48.19.170 - Application for license.
- 48.19.180 - Issuance of license.
- 48.19.190 - Suspension or revocation of license.
- 48.19.200 - Notice of changes.
- 48.19.210 - Subscribers -- Rights, limitations.
- 48.19.220 - Review of rules and refusal to admit insurers.
- 48.19.230 - Subscriber committees.
- 48.19.240 - Rules cannot affect dividends.
- 48.19.250 - Cooperative activities.
- 48.19.260 - Technical services.
- 48.19.270 - Records -- Examinations.
- 48.19.280 - Deviations.
- 48.19.290 - Appeal from rating organization's action.
- 48.19.300 - Service to insureds.
- 48.19.310 - Complaints of insureds.
- 48.19.320 - Advisory organizations -- Definition.
- 48.19.330 - Requisites of advisory organization.
- 48.19.340 - Desist orders.
- 48.19.350 - Disqualification of data.
- 48.19.360 - Joint underwriting or joint reinsurance.
- 48.19.370 - Recording and reporting of loss and expense experience.
- 48.19.380 - Exchange of information.
- 48.19.390 - False or misleading information.
- 48.19.400 - Assigned risks.
- 48.19.410 - Examination of contracts.
- 48.19.420 - Rate agreements.
- 48.19.430 - Penalties.
- 48.19.450 - Casualty rate filing -- Credit.
- 48.19.460 - Automobile insurance -- Premium reductions for older insureds completing accident prevention course.
- 48.19.470 - Automobile insurance -- Premium reductions for persons eligible under RCW 48.19.460.
- 48.19.480 - Automobile insurance -- Completion of accident prevention course, certificate.
- 48.19.490 - Automobile insurance -- Continued eligibility for discount.
- 48.19.500 - Motor vehicle insurance -- Seat belts, etc.
- 48.19.501 - Motor vehicle insurance -- Anti-theft devices -- Lights -- Multiple vehicles.
- 48.20 - Disability insurance.
- 48.20.002 - Scope of chapter.
- 48.20.012 - Format of disability policies.
- 48.20.013 - Return of policy and refund of premium -- Notice required -- Effect of return.
- 48.20.015 - Endorsements.
- 48.20.022 - Policies issued by domestic insurer for delivery in another state.
- 48.20.025 - Schedule of rates for individual health benefit plans -- Loss ratio -- Remittance of premiums -- Definitions.
- 48.20.028 - Calculation of premiums -- Adjusted community rating method -- Definitions.
- 48.20.029 - Calculation of premiums -- Members of a purchasing pool -- Adjusted community rating method -- Definitions.
- 48.20.032 - Standard provisions required -- Substitutions -- Captions.
- 48.20.042 - Standard provision No. 1 -- Entire contract; changes.
- 48.20.050 - Standard provision No. 2 -- Misstatement of age or sex.
- 48.20.052 - Standard provision No. 3 -- Time limit on certain defenses.
- 48.20.062 - Standard provision No. 4 -- Grace period.
- 48.20.072 - Standard provision No. 5 -- Reinstatement.
- 48.20.082 - Standard provision No. 6 -- Notice of claim.
- 48.20.092 - Standard provision No. 7 -- Claim forms.
- 48.20.102 - Standard provision No. 8 -- Proofs of loss.
- 48.20.112 - Standard provision No. 9 -- Time of payment of claims.
- 48.20.122 - Standard provision No. 10 -- Payment of claims.
- 48.20.132 - Standard provision No. 11 -- Physical examination and autopsy.
- 48.20.142 - Standard provision No. 12 -- Legal actions.
- 48.20.152 - Standard provision No. 13 -- Change of beneficiary.
- 48.20.162 - Optional standard provisions.
- 48.20.172 - Optional standard provision No. 14 -- Change of occupation.
- 48.20.192 - Optional standard provision No. 15 -- Other insurance in this insurer.
- 48.20.202 - Optional standard provision No. 16 -- Insurance with other insurers (Provision of service or expense incurred basis).
- 48.20.212 - Optional standard provision No. 17 -- Insurance with other insurers.
- 48.20.222 - Optional standard provision No. 18 -- Relation of earnings to insurance.
- 48.20.232 - Optional standard provision No. 19 -- Unpaid premium.
- 48.20.242 - Optional standard provision No. 20 -- Cancellation.
- 48.20.252 - Optional standard provision No. 21 -- Conformity with state statutes.
- 48.20.262 - Optional standard provision No. 22 -- Illegal occupation.
- 48.20.282 - Order of certain policy provisions.
- 48.20.292 - Third party ownership.
- 48.20.302 - Requirements of other jurisdictions.
- 48.20.312 - Age limit.
- 48.20.322 - Effective date of standard provision and certain other sections -- Five year period.
- 48.20.340 - "Family expense disability insurance" defined.
- 48.20.350 - "Franchise plan" defined.
- 48.20.360 - Extended disability benefit.
- 48.20.380 - Incontestability after reinstatement.
- 48.20.385 - When injury caused by intoxication or use of narcotics.
- 48.20.390 - Podiatric medicine and surgery.
- 48.20.391 - Diabetes coverage.
- 48.20.392 - Prostate cancer screening.
- 48.20.393 - Mammograms -- Insurance coverage.
- 48.20.395 - Reconstructive breast surgery.
- 48.20.397 - Mastectomy, lumpectomy.
- 48.20.410 - Optometry.
- 48.20.411 - Registered nurses or advanced registered nurses.
- 48.20.412 - Chiropractic.
- 48.20.414 - Psychological services.
- 48.20.416 - Dentistry.
- 48.20.417 - Dental services that are not subject to contract or provider agreement.
- 48.20.418 - Denturist services.
- 48.20.420 - Dependent child coverage -- Continuation for incapacity.
- 48.20.430 - Dependent child coverage -- From moment of birth -- Congenital anomalies -- Notification of birth.
- 48.20.435 - Option to cover dependents under age twenty-five.
- 48.20.450 - Standardization and simplification of terms and coverages -- Disclosure requirements.
- 48.20.460 - Standardization and simplification -- Minimum standards for benefits and coverages.
- 48.20.470 - Standardization and simplification -- Outline of coverage -- Format and contents.
- 48.20.480 - Standardization and simplification -- Simplified application form -- Coverage of loss from preexisting health condition.
- 48.20.490 - Continuation of coverage by former spouse and dependents.
- 48.20.500 - Coverage for adopted children.
- 48.20.510 - Cancellation of rider.
- 48.20.520 - Phenylketonuria.
- 48.20.525 - Prescriptions -- Preapproval of individual claims -- Subsequent rejection prohibited -- Written record required.
- 48.20.530 - Nonresident pharmacies.
- 48.20.550 - Fixed payment insurance -- Standard disclosure form.
- 48.20.555 - Fixed payment insurance -- Benefit restrictions.
- 48.20.580 - Mental health services -- Definition -- Coverage required, when.
- 48.20.900 - Construction -- Chapter applicable to state registered domestic partnerships -- 2009 c 521.
- 48.21 - Group and blanket disability insurance.
- 48.21.010 - "Group disability insurance" defined.
- 48.21.015 - "Group stop loss insurance" defined for the purpose of exemption -- Scope of application.
- 48.21.020 - "Employees," "employer" defined.
- 48.21.030 - Health care groups.
- 48.21.040 - "Blanket disability insurance" defined.
- 48.21.045 - Health plan benefits for small employers -- Coverage -- Exemption from statutory requirements -- Premium rates -- Requirements for providing coverage for small employers -- Definitions.
- 48.21.047 - Requirements for plans offered to small employers -- Definitions.
- 48.21.050 - Standard provisions required.
- 48.21.060 - The contract -- Representations.
- 48.21.070 - Payment of premiums.
- 48.21.075 - Payment of premiums by employee in event of suspension of compensation due to labor dispute.
- 48.21.080 - Certificates of coverage.
- 48.21.090 - Age limitations.
- 48.21.100 - Examination and autopsy.
- 48.21.110 - Payment of benefits.
- 48.21.120 - Readjustment of premiums -- Dividends.
- 48.21.125 - When injury caused by intoxication or use of narcotics.
- 48.21.130 - Podiatric medicine and surgery.
- 48.21.140 - Optometry.
- 48.21.141 - Registered nurses or advanced registered nurses.
- 48.21.142 - Chiropractic.
- 48.21.143 - Diabetes coverage -- Definitions.
- 48.21.144 - Psychological services.
- 48.21.146 - Dentistry.
- 48.21.147 - Dental services that are not subject to contract or provider agreement.
- 48.21.148 - Denturist services.
- 48.21.150 - Dependent child coverage -- Continuation for incapacity.
- 48.21.155 - Dependent child coverage -- From moment of birth -- Congenital anomalies -- Notification of birth.
- 48.21.157 - Option to cover dependents under age twenty-five.
- 48.21.160 - Chemical dependency benefits -- Legislative declaration.
- 48.21.180 - Chemical dependency benefits -- Contracts issued or renewed after January 1, 1988.
- 48.21.190 - Chemical dependency benefits -- RCW 48.21.160 through , 48.44.240 inapplicable, when.
- 48.21.195 - "Chemical dependency" defined.
- 48.21.197 - Chemical dependency benefits -- Rules.
- 48.21.200 - Individual or group disability, health care service contract, health maintenance agreement -- Reduction of benefits on basis of other existing coverages.
- 48.21.220 - Home health care, hospice care, optional coverage required -- Standards, limitations, restrictions -- Rules -- Medicare supplemental contracts excluded.
- 48.21.225 - Mammograms -- Insurance coverage.
- 48.21.227 - Prostate cancer screening.
- 48.21.230 - Reconstructive breast surgery.
- 48.21.235 - Mastectomy, lumpectomy.
- 48.21.241 - Mental health services -- Group health plans -- Definition -- Coverage required, when.
- 48.21.242 - Mental health treatment -- Waiver of preauthorization for persons involuntarily committed.
- 48.21.244 - Benefits for prenatal diagnosis of congenital disorders -- Contracts entered into or renewed on or after January 1, 1990.
- 48.21.250 - Continuation option to be offered.
- 48.21.260 - Conversion policy to be offered -- Exceptions, conditions.
- 48.21.270 - Conversion policy -- Restrictions and requirements.
- 48.21.280 - Coverage for adopted children.
- 48.21.290 - Cancellation of rider.
- 48.21.300 - Phenylketonuria.
- 48.21.310 - Neurodevelopmental therapies -- Employer-sponsored group contracts.
- 48.21.320 - Temporomandibular joint disorders -- Insurance coverage.
- 48.21.325 - Prescriptions -- Preapproval of individual claims -- Subsequent rejection prohibited -- Written record required.
- 48.21.330 - Nonresident pharmacies.
- 48.21.370 - Fixed payment insurance -- Standard disclosure form.
- 48.21.375 - Fixed payment insurance -- Benefit restrictions.
- 48.21.900 - Construction -- Chapter applicable to state registered domestic partnerships -- 2009 c 521.
- 48.21A - Disability insurance -- Extended health.
- 48.21A.010 - Declaration of purpose.
- 48.21A.020 - Definitions.
- 48.21A.030 - Insurers may join -- Policyholder -- Reduced benefit provision -- Master group policy -- Offering -- Cancellation.
- 48.21A.040 - Insurance producers.
- 48.21A.050 - Powers and duties of associations.
- 48.21A.060 - Commissioner's powers -- Forms -- Rates -- Standard provisions -- Withdrawal of approval -- Federal, state benefits -- Annual reports.
- 48.21A.070 - Documents to be filed -- Deceptive name or advertising.
- 48.21A.080 - Remedies.
- 48.21A.090 - Home health care, hospice care, optional coverage required -- Standards, limitations, restrictions -- Rules -- Medicare supplemental contracts excluded.
- 48.21A.900 - Construction -- Chapter applicable to state registered domestic partnerships -- 2009 c 521.
- 48.22 - Casualty insurance.
- 48.22.005 - Definitions.
- 48.22.020 - Assigned risk plans.
- 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 cov
- 48.22.040 - Underinsured motor vehicle coverage where liability insurer is insolvent -- Extent of coverage -- Rights of insurer upon making payment.
- 48.22.050 - Market assistance plans.
- 48.22.060 - Debt and financing coverage.
- 48.22.070 - Longshoreman's and harbor worker's compensation coverage -- Rules -- Plan creation.
- 48.22.080 - Health care liability risk management training program.
- 48.22.085 - Automobile liability insurance policy -- Optional coverage for personal injury protection -- Rejection by insured.
- 48.22.090 - Personal injury protection coverage -- Exceptions.
- 48.22.095 - Automobile insurance policies -- Minimum personal injury protection coverage.
- 48.22.100 - Automobile insurance policies -- Personal injury protection coverage -- Request by named insured -- Benefit limits.
- 48.22.105 - Rule making.
- 48.22.110 - Vendor single-interest or collateral protection coverage -- Definitions.
- 48.22.115 - Vendor single-interest or collateral protection coverage -- Warning.
- 48.22.120 - Vendor single-interest or collateral protection coverage -- Final notice and warning -- No requirement to purchase -- Effective date of coverage.
- 48.22.125 - Vendor single-interest or collateral protection coverage -- Cancellation when borrower has obtained insurance -- Interest rate for financing.
- 48.22.130 - Vendor single-interest or collateral protection coverage -- Canceled or discontinued -- Premium refund.
- 48.22.135 - Vendor single-interest or collateral protection coverage -- Application.
- 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.
- 48.22.900 - Construction -- Chapter applicable to state registered domestic partnerships -- 2009 c 521.
- 48.23 - Life insurance and annuities.
- 48.23.010 - Scope of chapter.
- 48.23.015 - Purchase or exchange of annuities -- Definitions -- Standards -- Requirements -- Conduct -- Records -- Penalties -- Rules.
- 48.23.020 - Standard provisions required -- Life insurance.
- 48.23.030 - Grace period.
- 48.23.040 - Entire contract -- Representations.
- 48.23.050 - Incontestability.
- 48.23.060 - Misstatement of age.
- 48.23.070 - Participation in surplus.
- 48.23.075 - Participation in surplus -- Requirements for forms.
- 48.23.080 - Policy loan.
- 48.23.085 - Policy loan interest rates.
- 48.23.090 - Table of values and options.
- 48.23.100 - Nonforfeiture options.
- 48.23.110 - Table of installments.
- 48.23.120 - Reinstatement.
- 48.23.130 - Settlement on proof of death.
- 48.23.140 - Standard provisions -- Annuities, pure endowment contracts.
- 48.23.150 - Grace period -- Annuities, pure endowments.
- 48.23.160 - Incontestability -- Annuities, pure endowments.
- 48.23.170 - Entire contract -- Annuities, pure endowments.
- 48.23.180 - Misstatement of age or sex -- Annuities, pure endowments.
- 48.23.190 - Dividends -- Annuities, pure endowments.
- 48.23.200 - Nonforfeiture benefits -- Annuities, pure endowments.
- 48.23.210 - Reinstatement -- Annuities, pure endowments.
- 48.23.220 - Standard provisions -- Reversionary annuities.
- 48.23.230 - Sections applicable.
- 48.23.240 - Reinstatement -- Reversionary annuities.
- 48.23.250 - Supplemental benefits.
- 48.23.260 - Limitation of liability.
- 48.23.270 - Incontestability after reinstatement.
- 48.23.290 - Premium deposits.
- 48.23.300 - Policy settlements -- Interest.
- 48.23.310 - Deduction of indebtedness.
- 48.23.320 - Miscellaneous proceeds.
- 48.23.330 - Trafficking in dividend rights.
- 48.23.340 - Prohibited policy plans.
- 48.23.345 - Juvenile life insurance--Speculative or fraudulent purposes.
- 48.23.360 - Calculation of nonforfeiture benefits under annuities.
- 48.23.370 - Duties of insurer issuing both participating and nonparticipating policies -- Rules.
- 48.23.380 - Return of policy and refund of premium -- Grace period -- Notice -- Effect.
- 48.23.410 - Short title.
- 48.23.420 - Inapplicability of enumerated sections to certain policies.
- 48.23.430 - Paid-up annuity and cash surrender provisions required.
- 48.23.440 - Minimum nonforfeiture amounts.
- 48.23.450 - Minimum present value of paid-up annuity benefit.
- 48.23.460 - Minimum cash surrender benefits -- Death benefit.
- 48.23.470 - Contracts without cash surrender, death benefits -- Minimum present value of paid-up annuity benefits.
- 48.23.480 - Optional maturity dates.
- 48.23.490 - Statement required in contract without cash surrender or death benefits.
- 48.23.500 - Calculation of benefits available other than on contract anniversary.
- 48.23.510 - Additional benefits.
- 48.23.520 - Operative date of RCW 48.23.410 through .
- 48.23.525 - Individual life insurance -- Noninsurance benefits -- Rules.
- 48.23.900 - Construction -- Chapter applicable to state registered domestic partnerships -- 2009 c 521.
- 48.23A - Life insurance policy illustrations.
- 48.23A.005 - Purpose -- Standards for life insurance policy illustrations.
- 48.23A.010 - Scope of chapter -- Exceptions.
- 48.23A.015 - Definitions.
- 48.23A.020 - Marketing with or without an illustration -- Notice to commissioner -- Conditions -- Availability.
- 48.23A.030 - Illustration used in sale -- Label -- Required basic information -- Prohibitions -- Use of interest rate.
- 48.23A.040 - Basic illustration -- Conforming requirements -- Brief descriptions -- Numeric summaries -- Required statements.
- 48.23A.050 - Supplemental illustration -- Conditions for use -- Reference to basic illustration.
- 48.23A.060 - Illustration used or not used during sale -- Signed copy of illustration or acknowledgment of no use -- Computer screen -- Retained copies.
- 48.23A.070 - Policy designated for use of illustrations -- Annual report -- Required information -- In-force illustrations -- Notice of adverse changes.
- 48.23A.080 - Illustration actuaries -- Conditions for appointment -- Duties -- Certifications -- Disclosures to commissioner.
- 48.23A.090 - Violations -- RCW 48.30.010(1).
- 48.23A.900 - Severability -- 1997 c 313.
- 48.23A.901 - Effective date -- Application -- 1997 c 313.
- 48.24 - Group life and annuities.
- 48.24.010 - Group requirements.
- 48.24.020 - Employee groups.
- 48.24.025 - Payment of premium by employee when compensation suspended due to labor dispute.
- 48.24.027 - Offering group life insurance to state residents -- Commissioner's findings.
- 48.24.030 - Dependents of employees or members of certain groups.
- 48.24.035 - Credit union groups.
- 48.24.040 - Debtor groups.
- 48.24.045 - Certain associations as groups.
- 48.24.050 - Labor union groups.
- 48.24.060 - Public employee associations.
- 48.24.070 - Trustee groups.
- 48.24.080 - Insurance producer groups.
- 48.24.090 - Washington state patrol.
- 48.24.095 - Financial institutions.
- 48.24.100 - Standard provisions.
- 48.24.110 - Grace period.
- 48.24.120 - Incontestability.
- 48.24.130 - The contract -- Representations.
- 48.24.140 - Insurability.
- 48.24.150 - Misstatement of age or sex.
- 48.24.160 - Beneficiary -- Funeral, last illness expenses.
- 48.24.170 - Certificates.
- 48.24.180 - Conversion on termination of eligibility.
- 48.24.190 - Conversion on termination of policy.
- 48.24.200 - Death pending conversion.
- 48.24.210 - Limitation of liability.
- 48.24.240 - Readjustment of premium.
- 48.24.260 - Application of dividends or rate reductions.
- 48.24.270 - Payment of proceeds -- Interest, when delayed.
- 48.24.280 - Group life insurance -- Noninsurance benefits.
- 48.24.900 - Construction -- Chapter applicable to state registered domestic partnerships -- 2009 c 521.
- 48.25 - Industrial life insurance.
- 48.25.010 - Scope of chapter.
- 48.25.020 - Industrial life insurance defined.
- 48.25.030 - Compliance enjoined.
- 48.25.040 - Standard provisions.
- 48.25.050 - Grace period.
- 48.25.060 - Entire contract.
- 48.25.070 - Incontestability.
- 48.25.080 - Misstatement of age.
- 48.25.090 - Dividends.
- 48.25.100 - Nonforfeiture benefits.
- 48.25.110 - Cash surrender value.
- 48.25.120 - Reinstatement.
- 48.25.130 - Settlement.
- 48.25.140 - Authority to alter policy.
- 48.25.150 - Beneficiary.
- 48.25.160 - Facility of payment clause.
- 48.25.170 - Payment of premiums direct.
- 48.25.180 - Conversion -- Weekly premium policies.
- 48.25.190 - Conversion -- Monthly premium policies.
- 48.25.200 - Title on policy.
- 48.25.210 - Application to term and specified insurance.
- 48.25.220 - Prohibited provisions.
- 48.25.230 - Limitation of liability.
- 48.25.900 - Construction -- Chapter applicable to state registered domestic partnerships -- 2009 c 521.
- 48.25A - Life insurance -- Profit-sharing, charter, founders, and coupon policies.
- 48.25A.010 - Definitions.
- 48.25A.020 - Certain policies not to be issued or delivered after September 1, 1967.
- 48.25A.030 - Coupon policies -- Approval by commissioner.
- 48.25A.040 - Coupon policies -- Requirements.
- 48.25A.050 - Revocation of certificates of authority and licenses for violation of chapter.
- 48.26 - Marine and transportation insurance (Reserved).
- 48.27 - Property insurance.
- 48.28 - Surety insurance.
- 48.29 - Title insurers.
- 48.29.005 - Administration of chapter -- Rules.
- 48.29.010 - Scope of chapter -- Definitions.
- 48.29.015 - Requirement to maintain records -- Report to commissioner.
- 48.29.020 - Certificate of authority -- Qualifications.
- 48.29.040 - May do business in two or more counties -- Restrictions.
- 48.29.120 - Reserve requirements.
- 48.29.130 - Investments.
- 48.29.140 - Premium rates -- Required filings -- Transition date set by rule.
- 48.29.143 - Premium rates -- Actuarially sound estimates.
- 48.29.147 - Required filings -- Information subject to review -- Commissioner's powers -- Timing.
- 48.30 - Unfair practices and frauds.
- 48.30A - Insurance fraud.
- 48.31 - Mergers, rehabilitation, liquidation, supervision.
- 48.31B - Insurer holding company act.
- 48.31C - Holding company act for health care service contractors and health maintenance organizations.
- 48.32 - Washington insurance guaranty association act.
- 48.32A - Washington life and disability insurance guaranty association act.
- 48.34 - Credit life insurance and credit accident and health insurance.
- 48.35 - Alien insurers.
- 48.36A - Fraternal benefit societies.
- 48.37 - Market conduct oversight.
- 48.38 - Charitable gift annuity business.
- 48.41 - Health insurance coverage access act.
- 48.42 - Personal coverage, general authority.
- 48.43 - Insurance reform.
- 48.44 - Health care services.
- 48.45 - Rural health care.
- 48.46 - Health maintenance organizations.
- 48.47 - Mandated health benefits.
- 48.50 - Insurance fraud reporting immunity act.
- 48.53 - Fire insurance -- Arson fraud reduction.
- 48.56 - Insurance premium finance company act.
- 48.58 - Riot reinsurance reimbursement.
- 48.62 - Local government insurance transactions.
- 48.64 - Affordable housing entities -- Joint self-insurance programs.
- 48.66 - Medicare supplemental health insurance act.
- 48.68 - Health care savings account act.
- 48.70 - Specified disease insurance act.
- 48.74 - Standard valuation law.
- 48.76 - Standard nonforfeiture law for life insurance.
- 48.80 - Health care false claim act.
- 48.83 - Long-term care insurance coverage -- Standards.
- 48.84 - Long-term care insurance act.
- 48.85 - Washington long-term care partnership.
- 48.87 - Midwives and birthing centers -- Joint underwriting association.
- 48.88 - Day care services -- Joint underwriting association.
- 48.90 - Child day care centers -- Self-insurance.
- 48.92 - Liability risk retention.
- 48.94 - Reinsurance intermediary act.
- 48.97 - Producer-controlled property and casualty insurer act.
- 48.98 - Managing general agents act.
- 48.99 - Uniform insurers liquidation act.
- RCW Dispositions
- Notes