Mandatory offering of personal injury protection and required language when underinsured motorist coverage is rejected.
(1) Insurers issuing an automobile liability insurance policy must offer the minimum personal injury protection coverage limits required in RCW 48.22.095
, and must make available, if requested, additional personal injury protection limits as defined in RCW 48.22.100
. Insurers may also offer other personal injury protection limits, in addition to these required offerings.
(2) If the named insured rejects personal injury protection coverage, the insurer must promptly delete the coverage after the insurer receives the rejection notice from the named insured. The insurer must retain a copy of the rejection notice or request to delete coverage with the policy record.
(3) The written rejection of underinsured motorist coverage, as allowed by RCW 48.22.030
(4), must include the following statement, "In order to provide for an informed decision of the potential consequences of rejecting underinsured motorist coverage; the undersigned acknowledges that by rejecting underinsured motorist coverage there is exposure to the risk of not being sufficiently insured for injury and/or damages when involved in an accident with a driver of an underinsured vehicle." Such notice shall be prominently placed above the signature area and be bold.
(4) Insurers may use electronic forms, electronic signatures and electronic attestations, in accordance with 15 U.S.C. Sec. 7001, to comply with this rule. The insurer must maintain an auditable compliance record and provide this information to the commissioner upon request.
(5) This section does not apply to corporations, partnerships, or any other nonhuman entity named as the insured.
[Statutory Authority: RCW 48.02.060
(3)(a) and 48.22.030
(4). WSR 16-23-056 (Matter No. R 2016-18), § 284-20-300, filed 11/10/16, effective 12/11/16. Statutory Authority: RCW 48.02.060
. WSR 10-10-058 (Matter No. R 2008-13), § 284-20-300, filed 4/29/10, effective 5/30/10.]