reglab/housing_qa huggingface dataset:
WA Rev Code § 48.17.902 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.17 - Insurance Producers, Title Insurance Agents, and Adjusters.|48.17.902 - Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.

RCW 48.17.902 Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.For the purposes of this chapter, the terms spouse, marriage, marital, husband, wife, widow, widower, next of kin, and family shall be interpreted as applying equally to state registered domestic partnerships or individuals in state registered domestic partnerships as well as to marital relationships and married persons, and references to dissolution of marriage shall apply equally to state registered domestic partnerships that have been terminated, dissolved, or invalidated, to the extent that such interpretation does not conflict with federal law. Where necessary to implement chapter 521, Laws of 2009, gender-specific terms such as husband and wife used in any statute, rule, or other law shall be construed to be gender neutral, and applicable to individuals in state registered domestic partnerships.[ 2009 c 521 § 113.]
WA Rev Code § 48.18.010 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.010 - Scope of chapter.

RCW 48.18.010 Scope of chapter.This chapter applies to insurances other than ocean marine and foreign trade insurances.[ 2005 c 337 § 2; 1947 c 79 § .18.01; Rem. Supp. 1947 § 45.18.01.]NOTES:Finding—Intent—2005 c 337: See note following RCW 48.18.030.
WA Rev Code § 48.18.020 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.020 - Power to contract.

RCW 48.18.020 Power to contract.(1) Any person eighteen years or older shall be considered of full legal age and may contract for or with respect to insurance. Any person seventeen years or younger shall be considered a minor for purposes of Title 48 RCW.(2) A minor not less than fifteen years of age as at nearest birthday may, notwithstanding such minority, contract for life or disability insurance on his or her own life or body, for his or her own benefit or for the benefit of his or her father, mother, spouse, child, brother, sister, or grandparent, and may exercise all rights and powers with respect to or under the contract as though of full legal age, and may surrender his or her interest therein and give a valid discharge for any benefit accruing or money payable thereunder. The minor shall not, by reason of his minority, be entitled to rescind, avoid, or repudiate the contract, or any exercise of a right or privilege thereunder, except, that such minor, not otherwise emancipated, shall not be bound by any unperformed agreement to pay, by promissory note or otherwise any premium on any such insurance contract.[ 2009 c 549 § 7064; 1973 1st ex.s. c 163 § 2; 1970 ex.s. c 17 § 4; 1947 c 79 § .18.02; Rem. Supp. 1947 § 45.18.02.]
WA Rev Code § 48.18.040 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.040 - Insurable interest—Property insurances.

RCW 48.18.040 Insurable interest—Property insurances.(1) No contract of insurance on property or of any interest therein or arising therefrom shall be enforceable except for the benefit of persons having an insurable interest in the things insured.(2) "Insurable interest" as used in this section means any lawful and substantial economic interest in the safety or preservation of the subject of the insurance free from loss, destruction, or pecuniary damage.[1947 c 79 § .18.04; Rem. Supp. 1947 § 45.18.04.]
WA Rev Code § 48.18.050 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.050 - Named insured—Interest insured.

RCW 48.18.050 Named insured—Interest insured.When the name of a person intended to be insured is specified in the policy, such insurance can be applied only to his or her own proper interest. This section shall not apply to life and disability insurances.[ 2009 c 549 § 7065; 1947 c 79 § .18.05; Rem. Supp. 1947 § 45.18.05.]
WA Rev Code § 48.18.060 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.060 - Application—Consent—When required.

RCW 48.18.060 Application—Consent—When required.A life or disability insurance contract upon an individual may not be made or take effect unless at the time the contract is made the individual insured applies for or consents to the contract in writing, except in the following cases:(1) A spouse may insure the life of the other spouse.(2) Any person having an insurable interest in the life of a minor, or any person upon whom a minor is dependent for support and maintenance, may insure the life of the minor.(3) A contract of group or blanket disability insurance may be effectuated upon an individual.(4) A contract of group life insurance may be effectuated upon an individual, except as otherwise provided in RCW 48.18.580.[ 2005 c 337 § 5; 1947 c 79 § .18.06; Rem. Supp. 1947 § 45.18.06.]NOTES:Finding—Intent—2005 c 337: See note following RCW 48.18.030.
WA Rev Code § 48.18.070 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.070 - Alteration of application.

RCW 48.18.070 Alteration of application.(1) Any application for insurance in writing by the applicant shall be altered solely by the applicant or by his or her written consent, except that insertions may be made by the insurer for administrative purposes only in such manner as to indicate clearly that such insertions are not to be ascribed to the applicant. Violation of this provision shall be a misdemeanor.(2) Any insurer issuing an insurance contract upon such an application unlawfully altered by its officer, employee, or agent shall not have available in any action arising out of such contract, any defense which is based upon the fact of such alteration, or as to any item in the application which was so altered.[ 2009 c 549 § 7066; 1947 c 79 § .18.07; Rem. Supp. 1947 § 45.18.07.]
WA Rev Code § 48.18.080 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.080 - Application as evidence.

RCW 48.18.080 Application as evidence.(1) No application for the issuance of any insurance policy or contract shall be admissible in evidence in any action relative to such policy or contract, unless a true copy of the application was attached to or otherwise made a part of the policy when issued and delivered. This provision shall not apply to policies or contracts of industrial life insurance.(2) If any policy of life or disability insurance delivered in this state is reinstated or renewed, and the insured or the beneficiary or assignee of the policy makes written request to the insurer for a copy of the application, if any, for such reinstatement or renewal, the insurer shall, within fifteen days after receipt of such request at its home office or at any of its branch offices, deliver or mail to the person making such request, a copy of such application. If such copy is not so delivered or mailed, the insurer shall be precluded from introducing the application as evidence in any action or proceeding based upon or involving the policy or its reinstatement or renewal.[1947 c 79 § .18.08; Rem. Supp. 1947 § 45.18.08.]
WA Rev Code § 48.18.090 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.090 - Warranties and misrepresentations, effect of.

RCW 48.18.090 Warranties and misrepresentations, effect of.(1) Except as provided in subsection (2) of this section, no oral or written misrepresentation or warranty made in the negotiation of an insurance contract, by the insured or in his or her behalf, shall be deemed material or defeat or avoid the contract or prevent it attaching, unless the misrepresentation or warranty is made with the intent to deceive.(2) In any application for life or disability insurance made in writing by the insured, all statements therein made by the insured shall, in the absence of fraud, be deemed representations and not warranties. The falsity of any such statement shall not bar the right to recovery under the contract unless such false statement was made with actual intent to deceive or unless it materially affected either the acceptance of the risk or the hazard assumed by the insurer.[ 2009 c 549 § 7067; 1947 c 79 § .18.09; Rem. Supp. 1947 § 45.18.09.]
WA Rev Code § 48.18.103 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.103 - Forms of commercial property casualty policies—Legislative intent—Issuance prior to filing—Disapproval by commissioner—Definition.

RCW 48.18.103 Forms of commercial property casualty policies—Legislative intent—Issuance prior to filing—Disapproval by commissioner—Definition.(1) It is the intent of the legislature to assist the purchasers of commercial property casualty insurance by allowing policies to be issued more expeditiously and provide a more competitive market for forms.(2) Commercial property casualty policies may be issued prior to filing the forms.(3) All commercial property casualty forms must be filed with the commissioner within thirty days after an insurer issues any policy using them. This subsection does not apply to:(a) Types or classes of forms that the commissioner exempts from filing by rule; and(b) Manuscript policies, riders, or endorsements of unique character designed for and used with relation to insurance upon a particular subject.(4) If, within thirty days after a commercial property casualty form has been filed, the commissioner finds that the form does not meet the requirements of this chapter, the commissioner shall disapprove the form and give notice to the insurer or rating organization that made the filing, specifying how the form fails to meet the requirements and stating when, within a reasonable period thereafter, the form shall be deemed no longer effective. The commissioner may extend the time for review an additional fifteen days by giving notice to the insurer prior to the expiration of the original thirty-day period.(5) Upon a final determination of a disapproval of a policy form under subsection (4) of this section, the insurer must amend any previously issued disapproved form by endorsement to comply with the commissioner's disapproval.(6) For purposes of this section, "commercial property casualty" means insurance pertaining to a business, profession, occupation, nonprofit organization, or public entity for the lines of property and casualty insurance defined in RCW 48.11.040, 48.11.050, 48.11.060, or 48.11.070, but does not mean medical malpractice insurance or portable electronics insurance as defined in RCW 48.120.005.(7) Except as provided in subsection (5) of this section, the disapproval shall not affect any contract made or issued prior to the expiration of the period set forth in the notice of disapproval.(8) Every member or subscriber to a rating organization must adhere to the form filings made on its behalf by the organization. An insurer may deviate from forms filed on its behalf by an organization only if the insurer files the forms with the commissioner in accordance with this chapter.(9) In the event a hearing is held on the actions of the commissioner under subsection (4) of this section, the burden of proof shall be on the commissioner.[ 2013 c 152 § 1; 2006 c 8 § 215; 2005 c 223 § 9; 2003 c 248 § 4; 1997 c 428 § 1.]NOTES:Findings—Intent—Part headings and subheadings not law—Severability—2006 c 8: See notes following RCW 5.64.010.
WA Rev Code § 48.18.110 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.110 - Grounds for disapproval.

RCW 48.18.110 Grounds for disapproval.(1) The commissioner shall disapprove any such form of policy, application, rider, or endorsement, or withdraw any previous approval thereof, only:(a) If it is in any respect in violation of or does not comply with this code or any applicable order or regulation of the commissioner issued pursuant to the code; or(b) If it does not comply with any controlling filing theretofore made and approved; or(c) If it contains or incorporates by reference any inconsistent, ambiguous or misleading clauses, or exceptions and conditions which unreasonably or deceptively affect the risk purported to be assumed in the general coverage of the contract; or(d) If it has any title, heading, or other indication of its provisions which is misleading; or(e) If purchase of insurance thereunder is being solicited by deceptive advertising.(2) In addition to the grounds for disapproval of any such form as provided in subsection (1) of this section, the commissioner may disapprove any form of disability insurance policy if the benefits provided therein are unreasonable in relation to the premium charged. Rates, or any modification of rates effective on or after July 1, 2008, for individual health benefit plans may not be used until sixty days after they are filed with the commissioner. If the commissioner does not disapprove a rate filing within sixty days after the insurer has filed the documents required in RCW 48.20.025(2) and any rules adopted pursuant thereto, the filing shall be deemed approved.[ 2008 c 303 § 1; 2000 c 79 § 2; 1985 c 264 § 9; 1982 c 181 § 9; 1947 c 79 § .18.11; Rem. Supp. 1947 § 45.18.11.]NOTES:Effective date—Severability—2000 c 79: See notes following RCW 48.04.010.Severability—1982 c 181: See note following RCW 48.03.010.
WA Rev Code § 48.18.120 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.120 - Standard forms.

RCW 48.18.120 Standard forms.(1) The commissioner shall, after hearing, from time to time promulgate such rules and regulations as may be necessary to define and effect reasonable uniformity in all basic contracts of fire insurance which are commonly known as the standard form fire policies and may be so referred to in this code, and the usual supplemental coverages, riders, or endorsements thereon or thereto, to the end that such definitions shall be applied in the construction of the various sections of this code wherein such terms are used and that there be a reasonable concurrency of contract where two or more insurers insure the same subject and risk. All such forms heretofore approved by the commissioner and for use as of immediately prior to the effective date of this code, may continue to be so used until the further order of the commissioner made pursuant to this subsection or pursuant to any other provision of this code.(2) The commissioner may from time to time, after hearing, promulgate such rules and regulations as he or she deems necessary to establish reasonable minimum standard conditions and terminology for basic benefits to be provided by disability insurance contracts which are subject to chapters 48.20 and 48.21 RCW, for the purpose of expediting his or her approval of such contracts pursuant to this code. No such promulgation shall be inconsistent with standard provisions as required pursuant to RCW 48.18.130, nor contain requirements inconsistent with requirements relative to the same benefit provision as formulated or approved by the National Association of Insurance Commissioners.[ 2009 c 549 § 7068; 1957 c 193 § 10; 1947 c 79 § .18.12; Rem. Supp. 1947 § 45.18.12.]
WA Rev Code § 48.18.125 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.125 - Loss payable and mortgagee clauses for property and automobile physical damage insurances—Requirement to use adopted forms.

RCW 48.18.125 Loss payable and mortgagee clauses for property and automobile physical damage insurances—Requirement to use adopted forms.The commissioner is hereby authorized, and shall within a reasonable time following July 30, 1967, adopt standard forms for loss payable and mortgagee clauses for property and automobile physical damage insurances, pursuant to the procedures set forth in RCW 48.18.120(1). Following the adoption of such forms, no insurer authorized to do business in the state shall use any form other than those so adopted.[ 1967 ex.s. c 12 § 1.]
WA Rev Code § 48.18.130 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.130 - Standard provisions.

RCW 48.18.130 Standard provisions.(1) Insurance contracts shall contain such standard provisions as are required by the applicable chapters of this code pertaining to contracts of particular kinds of insurance. The commissioner may waive the required use of a particular standard provision in a particular insurance contract form if(a) he or she finds such provision unnecessary for the protection of the insured, and inconsistent with the purposes of the contract, and(b) the contract is otherwise approved by him or her.(2) No insurance contract shall contain any provision inconsistent with or contradictory to any such standard provision used or required to be used, but the commissioner may, except as to the standard provisions of individual disability insurance contracts as required under chapter 48.20 RCW, approve any provision which is in his or her opinion more favorable to the insured than the standard provision or optional standard provision otherwise required. No endorsement, rider, or other documents attached to such contract shall vary, extend, or in any respect conflict with any such standard provision, or with any modification thereof so approved by the commissioner as being more favorable to the insured.(3) In lieu of the standard provisions required by this code for contracts for particular kinds of insurance, substantially similar standard provisions required by the law of a foreign or alien insurer's domicile may be used when approved by the commissioner.[ 2009 c 549 § 7069; 1947 c 79 § .18.13; Rem. Supp. 1947 § 45.18.13.]NOTES:Standard provisionsdisability: Chapter 48.20 RCW.group and blanket disability: Chapter 48.21 RCW.group life and annuities: Chapter 48.24 RCW.industrial life: Chapter 48.25 RCW.life insurance and annuities: Chapter 48.23 RCW.
WA Rev Code § 48.18.140 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.140 - Contents of policies in general.

RCW 48.18.140 Contents of policies in general.(1) The written instrument, in which a contract of insurance is set forth, is the policy.(2) A policy shall specify:(a) The names of the parties to the contract. The insurer's name shall be clearly shown in the policy.(b) The subject of the insurance.(c) The risk insured against.(d) The time at which the insurance thereunder takes effect and the period during which the insurance is to continue.(e) A statement of the premium, and if other than life, disability, or title insurance, the premium rate where applicable.(f) The conditions pertaining to the insurance.(3) If under the contract the exact amount of premiums is determinable only at termination of the contract, a statement of the basis and rates upon which the final premium is to be determined and paid shall be specified in the policy.(4)(a) Periodic payment plans for private passenger automobile insurance shall allow a specific day of the month for a due date for payment of premiums. A late charge may not be required if payment is received within five days of the date payment is due.(b) The commissioner shall adopt rules to implement this subsection and shall take no disciplinary action against an insurer until ninety days after the effective date of the rule.(5) This section shall not apply to surety insurance contracts.[ 2002 c 344 § 1; 1989 c 25 § 2; 1957 c 193 § 11; 1947 c 79 § .18.14; Rem. Supp. 1947 § 45.18.14.]NOTES:Effective date—1989 c 25: See note following RCW 48.18.100.
WA Rev Code § 48.18.150 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.150 - Additional contents.

RCW 48.18.150 Additional contents.A policy may contain additional provisions, which are not inconsistent with this code, and which are(1) required to be so inserted by the laws of the insurer's state of domicile; or(2) necessary, on account of the manner in which the insurer is constituted or operated, to state the rights and obligations of the parties to the contract.[1947 c 79 § .18.15; Rem. Supp. 1947 § 45.18.15.]
WA Rev Code § 48.18.160 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.160 - Charter or bylaw provisions.

RCW 48.18.160 Charter or bylaw provisions.No policy shall contain any provision purporting to make any portion of the charter, bylaws, or other constituent document of the insurer a part of the contract unless such portion is set forth in full in the policy. Any policy provision in violation of this section shall be invalid.[1947 c 79 § .18.16; Rem. Supp. 1947 § 45.18.16.]
WA Rev Code § 48.18.170 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.170 - "Premium" defined.

RCW 48.18.170 "Premium" defined."Premium" as used in this code means all sums charged, received, or deposited as consideration for an insurance contract or the continuance thereof. "Premium" does not include a regulatory surcharge imposed by RCW 48.02.190, except as otherwise provided in this section. Any assessment, or any "membership," "policy," "survey," "inspection," "service" or similar fee or charge made by the insurer in consideration for an insurance contract is deemed part of the premium.[ 2007 c 153 § 1; 1947 c 79 § .18.17; Rem. Supp. 1947 § 45.18.17.]
WA Rev Code § 48.18.180 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.180 - Stated premium must include all charges.

RCW 48.18.180 Stated premium must include all charges.(1) The premium stated in the policy shall be inclusive of all fees, charges, premiums, or other consideration charged for the insurance or for the procurement thereof.(2) No insurer or its officer, employee, appointed insurance producer, or other representative shall charge or receive any fee, compensation, or consideration for insurance which is not included in the premium specified in the policy.(3) Each violation of this section is a gross misdemeanor.(4) This section does not apply to:(a) A fee paid to an insurance producer by an insured as provided in RCW 48.17.270; or(b) A regulatory surcharge imposed by RCW 48.02.190.[ 2008 c 217 § 13; 2007 c 153 § 2; 1994 c 203 § 2; 1947 c 79 § .18.18; Rem. Supp. 1947 § 45.18.18.]NOTES:Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
WA Rev Code § 48.18.190 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.190 - Policy must contain entire contract.

RCW 48.18.190 Policy must contain entire contract.No agreement in conflict with, modifying, or extending any contract of insurance shall be valid unless in writing and made a part of the policy.[1947 c 79 § .18.19; Rem. Supp. 1947 § 45.18.19.]