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RCWs > Title 48 > Chapter 48.18

Print Version | [In English]

Chapter 48.18 RCW

THE INSURANCE CONTRACT

Complete Chapter | RCW Dispositions

RCW Sections

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.
48.18.600	Usage-based insurance -- Restrictions on information collected.
48.18.900	Construction -- Chapter applicable to state registered domestic partnerships -- 2009 c 521.

Notes:

Exemptions of proceeds of insurance on exempt property: RCW 6.15.030.

False claims or proof: RCW 48.30.230.

Misrepresentation in application: RCW 48.30.210.