The statute further provides that unreasonable denials (bad faith) include the following (which are defined in other state laws): Specific unfair claims settlement practices Misrepresentation of policy provisions Failure to acknowledge pertinent communications Violations of the standards for prompt investigation of claims Violations of the standards for prompt, fair and equitable settlements applicable to all insurers “An unfair claims settlement practice rule adopted under RCW 48.30.010 by the insurance commissioner intending to implement this section.” Other determinations of bad faith as determined by the court Examples of unfair claims settlement practices are defined by Washington law as: Misrepresenting the facts or terms of the insurance policy. Failing to respond to and acknowledge communications such as phone calls, letters, and emails promptly. Failing to “implement reasonable standards for the prompt investigation of claims.” “Failing to affirm or deny coverage of claims within a reasonable time after fully completed proof of loss documentation has been submitted.” Not trying to fairly and promptly settle a claim when liability is reasonably clear. When multiple insurance companies may share liability, they should arrange to pay the insured and then argue about how to apportion the responsibility between themselves. Forcing the insured to start litigation or arbitration proceedings unnecessarily. Trying to pay “less than the amount to which a reasonable person would have believed he or she was entitled by reference to written or printed advertising material accompanying or made part of an application.” “Delaying the investigation or payment of claims by requiring a first party claimant or his or her physician to submit a preliminary claim report and then requiring subsequent submissions which contain substantially the same information.”