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Chapter 48.18 RCW

THE INSURANCE CONTRACT

Complete chapter HTMLPDF

RCW dispositions

Sections

HTMLPDF 48.18.010Scope of chapter.
HTMLPDF 48.18.020Power to contract.
HTMLPDF 48.18.030Insurable interest—Personal insurances—Nonprofit organizations—Rules.
HTMLPDF 48.18.040Insurable interest—Property insurances.
HTMLPDF 48.18.050Named insured—Interest insured.
HTMLPDF 48.18.060Application—Consent—When required.
HTMLPDF 48.18.070Alteration of application.
HTMLPDF 48.18.080Application as evidence.
HTMLPDF 48.18.090Warranties and misrepresentations, effect of.
HTMLPDF 48.18.100Forms of policies—Filing, certification, and approval—Exceptions.
HTMLPDF 48.18.103Forms of commercial property casualty policies—Legislative intent—Issuance prior to filing—Disapproval by commissioner—Definition.
HTMLPDF 48.18.110Grounds for disapproval.
HTMLPDF 48.18.120Standard forms.
HTMLPDF 48.18.125Loss payable and mortgagee clauses for property and automobile physical damage insurances—Requirement to use adopted forms.
HTMLPDF 48.18.130Standard provisions.
HTMLPDF 48.18.140Contents of policies in general.
HTMLPDF 48.18.150Additional contents.
HTMLPDF 48.18.160Charter or bylaw provisions.
HTMLPDF 48.18.170"Premium" defined.
HTMLPDF 48.18.180Stated premium must include all charges.
HTMLPDF 48.18.190Policy must contain entire contract.
HTMLPDF 48.18.200Limiting actions, jurisdiction.
HTMLPDF 48.18.210Execution of policies.
HTMLPDF 48.18.220Receipt of premium to bind coverage—Contents of receipt.
HTMLPDF 48.18.230Binders—Duration—Premium.
HTMLPDF 48.18.240Binders—Insurance producer's or title insurance agent's liability.
HTMLPDF 48.18.250Underwriters' and combination policies.
HTMLPDF 48.18.260Delivery of policy.
HTMLPDF 48.18.278Terms for cancellation, nonrenewal, or modification of portable electronics policy—Application of RCW 48.18.290 and 48.18.2901 to portable electronics insurance.
HTMLPDF 48.18.280Renewal of policy.
HTMLPDF 48.18.289Cancellation, nonrenewal, renewal offer—Notice to insurance producer or title insurance agent.
HTMLPDF 48.18.290Cancellation by insurer.
HTMLPDF 48.18.2901Renewal required—Exceptions.
HTMLPDF 48.18.291Cancellation of private automobile insurance by insurer—Notice—Requirements.
HTMLPDF 48.18.292Refusal to renew private automobile insurance by insurer—Change in amount of premium or deductibles.
HTMLPDF 48.18.293Nonliability of commissioner, agents, insurer for information giving reasons for cancellation or refusal to renew—Proof of mailing of notice.
HTMLPDF 48.18.295RCW 48.18.290 through 48.18.297 not to prevent cancellation or nonrenewal, when.
HTMLPDF 48.18.296Contracts to which RCW 48.18.291 through 48.18.297 inapplicable.
HTMLPDF 48.18.297Private passenger automobile defined.
HTMLPDF 48.18.298Disability insurance—Refusal to renew by insurer.
HTMLPDF 48.18.299Disability insurance—Cancellation by insurer.
HTMLPDF 48.18.300Cancellation by insured.
HTMLPDF 48.18.310Cancellation by commissioner.
HTMLPDF 48.18.320Annulment of liability policies.
HTMLPDF 48.18.340Dividends payable to real party in interest.
HTMLPDF 48.18.350Breach of warranty prior to loss—Effect.
HTMLPDF 48.18.360Assignment of policies—Life and disability.
HTMLPDF 48.18.370Payment discharges insurer—Life and disability.
HTMLPDF 48.18.375Assignment of interests under group insurance policy.
HTMLPDF 48.18.390Simultaneous deaths—Payment of proceeds—Life insurance.
HTMLPDF 48.18.400Exemption of proceeds—Disability.
HTMLPDF 48.18.410Exemption of proceeds—Life.
HTMLPDF 48.18.420Exemption of proceeds—Group life.
HTMLPDF 48.18.430Exemption of proceeds, commutation—Annuities.
HTMLPDF 48.18.440Spouse's rights in life insurance policy.
HTMLPDF 48.18.450Life insurance payable to trustee named as beneficiary in the policy.
HTMLPDF 48.18.452Life insurance designating as beneficiary a trustee named by will.
HTMLPDF 48.18.460Proof of loss—Furnishing forms—May require oath.
HTMLPDF 48.18.470Claims administration—Not waiver.
HTMLPDF 48.18.480Discrimination prohibited.
HTMLPDF 48.18.510Validity of noncomplying forms.
HTMLPDF 48.18.520Construction of policies.
HTMLPDF 48.18.540Cancellations, denials, refusals to renew—Written notification.
HTMLPDF 48.18.543Single premium credit insurance—Residential mortgage loan—Restrictions—Definitions.
HTMLPDF 48.18.545Underwriting restrictions that apply to personal insurance—Credit history or insurance score—Rules.
HTMLPDF 48.18.547Underwriting restrictions that apply to medical malpractice insurance—Rules.
HTMLPDF 48.18.550Victims of domestic abuse—Prohibition on certain cancellations, denials, refusals to renew, and different rates—Domestic abuse defined.
HTMLPDF 48.18.553Victims of hate crime offenses—Restrictions of underwriting actions—Definitions.
HTMLPDF 48.18.555Property insurance—Actions resulting from arson or malicious mischief—Definitions.
HTMLPDF 48.18.558Property insurers—Assistance to prevent or reduce severity of claims or losses—Prior approval of commissioner—Pilot program permitted.
HTMLPDF 48.18.559Property insurers—Rules addressing assistance to prevent or reduce severity of claims or losses.
HTMLPDF 48.18.565Homeowner's insurance—Foster parent.
HTMLPDF 48.18.570Life insurance—Lawful travel destinations.
HTMLPDF 48.18.580Employer-owned life insurance—Requirements.
HTMLPDF 48.18.583Employer-owned life insurance—Application to policies.
HTMLPDF 48.18.586Employer-owned life insurance—Rules.
HTMLPDF 48.18.600Usage-based insurance—Restrictions on information collected.
HTMLPDF 48.18.610Customer satisfaction benefits.
HTMLPDF 48.18.620Automobile insurance policies—Appraisal clause.
HTMLPDF 48.18.900Construction—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.