reglab/housing_qa huggingface dataset:
WA Rev Code § 48.19.501 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.501 - Motor vehicle insurance—Anti-theft devices—Lights—Multiple vehicles.

RCW 48.19.501 Motor vehicle insurance—Anti-theft devices—Lights—Multiple vehicles.Due consideration in making rates for motor vehicle insurance shall be given to:(1) Any anticipated change in losses that may be attributable to the use of properly installed and maintained anti-theft devices in the insured private passenger automobile. An exhibit detailing these losses and any credits or discounts resulting from any such changes shall be included in each filing pertaining to private passenger automobile (or motor vehicle) insurance.(2) Any anticipated change in losses that may be attributable to the use of lights and lighting devices that have been proven effective in increasing the visibility of motor vehicles during daytime or in poor visibility conditions and to the use of rear stop lights that have been proven effective in reducing rear-end collisions. An exhibit detailing these losses and any credits or discounts resulting from any such changes shall be included in each filing pertaining to private passenger automobile (or motor vehicle) insurance.(3) Any anticipated change in losses per vehicle covered that may be attributable to the fact that the insured has more vehicles covered under the policy than there are insured drivers in the same household. An exhibit detailing these changes and any credits or discounts resulting from any such changes shall be included in each filing pertaining to private passenger automobile (or motor vehicle) insurance.[ 1989 c 11 § 21; 1987 c 320 § 1.]NOTES:Severability—1989 c 11: See note following RCW 9A.56.220.Effective date—1987 c 320: "This act shall take effect on January 1, 1988." [ 1987 c 320 § 2.]
WA Rev Code § 48.19.530 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.530 - Property insurers—Assistance to prevent or reduce severity of claims or losses—Impact on rates.

RCW 48.19.530 Property insurers—Assistance to prevent or reduce severity of claims or losses—Impact on rates.(1) Except as provided in subsection (2) of this section, in addition to other information required by this chapter, a rate filing by a property insurer for a policy, except commercial property insurance, that includes risk mitigation and/or prevention goods and/or services under RCW 48.18.558, must demonstrate that its rates account for the expected costs of the goods and services and the reduction in expected claims costs resulting from either the goods or services, or both.(2) This section does not apply to:(a) A property insurer offering or providing risk mitigation and/or prevention goods and/or services through a pilot program established in RCW 48.18.558(6); or(b) Disaster or emergency response activities of a property insurer.[ 2018 c 239 § 3.]NOTES:Findings—2018 c 239: See note following RCW 48.18.558.
WA Rev Code § 48.19.540 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.540 - Fire alarms and smoke detection devices—Impact on dwelling unit insurance rates—Report to legislature.

RCW 48.19.540 Fire alarms and smoke detection devices—Impact on dwelling unit insurance rates—Report to legislature.(1) In making rates for the insurance coverage for dwelling units, insurers shall consider the benefits of fire alarms and smoke detection devices in their rate making. If the insurer determines a separate rate factor is valid, then an exhibit supporting these changes and any credits or discounts resulting from any such changes must be included in the initial filing supporting such change. An insurer need not file any exhibits or offer any related discounts if:(a) No changes are made to the credits or discounts already in effect prior to July 28, 2019;(b) It determines that there is no material anticipated change in losses due to the use of such equipment; or(c) Any potential credit or discount is not actuarially supported.(2) The commissioner shall report to the appropriate committees of the legislature on any credits or discounts provided on insurance premiums for fire alarms and smoke detection devices installed in dwelling units. By December 31, 2020, and in compliance with RCW 43.01.036, the commissioner must submit a report to the appropriate committees of the legislature that details the use of discounts prior to and after July 28, 2019, and the type of fire alarm or smoke detection device qualifying for a credit or discount.(3) For the purposes of this section:(a) "Dwelling unit" means a residential dwelling of any type, including a single-family residence, apartment, condominium, or cooperative unit.(b) "Smoke detection device" or "smoke detection devices" means an assembly incorporating in one unit a device which detects visible or invisible particles of combustion, the control equipment, and the alarm-sounding device, operated from a power supply either in the unit or obtained at the point of installation.(c) "Fire alarm" or "fire alarms" means any mechanical, electrical[,] or radio-controlled device that is designed to emit a sound or transmit a signal or message when activated or any such device that emits a sound and transmits a signal or message when activated because of smoke, heat[,] or fire.(4) This section applies to rate filings for coverage for dwelling units filed on or after January 1, 2020.[ 2019 c 455 § 4.]NOTES:Short title—2019 c 455: See note following RCW 43.44.110.
WA Rev Code § 48.20.002 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.20 - Disability Insurance.|48.20.002 - Scope of chapter.

RCW 48.20.002 Scope of chapter.Nothing in this chapter shall apply to or affect (1) any policy of workers' compensation insurance or any policy of liability insurance with or without supplementary expense coverage therein; or (2) any policy or contract of reinsurance; or (3) any blanket or group policy of insurance; or (4) life insurance, endowment or annuity contracts, or contracts supplemental thereto which contain only such provisions relating to accident and sickness insurance as (a) provide additional benefits in case of death or dismemberment or loss of sight by accident, or as (b) operate to safeguard such contracts against lapse, or to give a special surrender value or special benefit or an annuity in the event that the insured or annuitant shall become totally and permanently disabled, as defined by the contract or supplemental contract.[ 1987 c 185 § 25; 1951 c 229 § 1.]NOTES:Reviser's note: For prior laws governing standard provision requirements for individual accident or health insurance policies see 1947 c 79 §§ .20.01 through .20.33 and .20.37 and Rem. Supp. 1947 §§ 45.20.01 through 45.20.33 and 45.20.37.Many of the sections enacted in 1951 c 229 are in substance amendatory of sections previously appearing in chapter 48.20 RCW, although they appear in 1951 c 229 as new sections. To assist those using the code, the prior enactment on the same subject is shown in the history note following the new section wherever practical.Intent—Severability—1987 c 185: See notes following RCW 51.12.130.
WA Rev Code § 48.20.012 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.20 - Disability Insurance.|48.20.012 - Format of disability policies.

RCW 48.20.012 Format of disability policies.No disability policy shall be delivered or issued for delivery to any person in this state unless it otherwise complies with this code, and complies with the following:(1) It shall purport to insure only one person, except as to family expense insurance written pursuant to RCW 48.20.340.(2) The style, arrangement and over-all appearance of the policy shall give no undue prominence to any portion of the text, and every printed portion of the text of the policy and of any endorsements or attached papers shall be plainly printed in light-faced type of a style in general use, the size of which shall be uniform and not less than ten-point with a lower-case unspaced alphabet length not less than one hundred and twenty-point (the "text" shall include all printed matter except the name and address of the insurer, name or title of the policy, the brief description if any, and caption and subcaptions).(3) The exceptions and reductions of indemnity shall be set forth in the policy and, other than those contained in RCW 48.20.042 to *48.20.272, inclusive, shall be printed, at the insurer's option, either included with the benefit provision to which they apply, or under an appropriate caption such as "Exceptions," or "Exceptions and reductions," except that if an exception or reduction specifically applies only to a particular benefit of the policy, a statement of such exception or reduction shall be included with the benefit provision to which it applies.(4) Each such form, including riders and endorsements, shall be identified by a form number in the lower left hand corner of the first page thereof.(5) It shall contain no provision purporting to make any portion of the insurer's charter, rules, constitution, or bylaws a part of the policy unless such portion is set forth in full in the policy, except in the case of the incorporation of, or reference to, a statement of rates or classification of risks, or short-rate table filed with the commissioner.[ 1951 c 229 § 2; 1947 c 79 § .20.02; formerly Rem. Supp. 1949 § 45.20.02.]NOTES:*Reviser's note: RCW 48.20.272 was repealed by 2004 c 112 § 6.
WA Rev Code § 48.20.013 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.20 - Disability Insurance.|48.20.013 - Return of policy and refund of premium—Notice required—Effect of return.

RCW 48.20.013 Return of policy and refund of premium—Notice required—Effect of return.Every individual disability insurance policy issued after January 1, 1968, except single premium nonrenewable policies, shall have printed on its face or attached thereto a notice stating in substance that the person to whom the policy is issued shall be permitted to return the policy within ten days of its delivery to the purchaser and to have the premium paid refunded if, after examination of the policy, the purchaser is not satisfied with it for any reason. An additional ten percent penalty shall be added to any premium refund due which is not paid within thirty days of return of the policy to the insurer or insurance producer. If a policyholder or purchaser pursuant to such notice, returns the policy to the insurer at its home or branch office or to the insurance producer through whom it was purchased, it shall be void from the beginning and the parties shall be in the same position as if no policy had been issued.[ 2008 c 217 § 21; 1983 1st ex.s. c 32 § 9; 1967 c 150 § 26.]NOTES:Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
WA Rev Code § 48.20.015 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.20 - Disability Insurance.|48.20.015 - Endorsements.

RCW 48.20.015 Endorsements.If a contract is issued on any basis other than as applied for, an endorsement setting forth such modification(s) must accompany and be attached to the policy; and no endorsement shall be effective unless signed by the policyowner, and a signed copy thereof returned to the insurer.[ 1975 1st ex.s. c 266 § 9.]NOTES:Severability—1975 1st ex.s. c 266: See note following RCW 48.01.010.
WA Rev Code § 48.20.022 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.20 - Disability Insurance.|48.20.022 - Policies issued by domestic insurer for delivery in another state.

RCW 48.20.022 Policies issued by domestic insurer for delivery in another state.If any policy is issued by a domestic insurer for delivery to a person residing in another state, and if the insurance commissioner or corresponding public official of such other state has advised the commissioner that any such policy is not subject to approval or disapproval by such official, the commissioner may by ruling require that such policy meet the applicable standards set forth in this chapter and in chapter 48.18 RCW.[ 1951 c 229 § 3.]
WA Rev Code § 48.20.032 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.20 - Disability Insurance.|48.20.032 - Standard provisions required—Substitutions—Captions.

RCW 48.20.032 Standard provisions required—Substitutions—Captions.Except as provided in RCW 48.18.130, each such policy delivered or issued for delivery to any person in this state shall contain the provisions as specified in RCW 48.20.042 to 48.20.152, inclusive, in the words in which the same appear; except, that the insurer may, at its option, substitute for one or more of such provisions corresponding provisions of different wording approved by the commissioner which are in each instance not less favorable in any respect to the insured or the beneficiary. Each such provision shall be preceded by the applicable caption shown or, at the insurer's option, by such appropriate individual or group caption or subcaption as the commissioner may approve.[ 1951 c 229 § 4; 1947 c 79 § .20.03; formerly Rem. Supp. 1947 § 45.20.03.]
WA Rev Code § 48.20.042 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.20 - Disability Insurance.|48.20.042 - Standard provision No. 1—Entire contract; changes.

RCW 48.20.042 Standard provision No. 1—Entire contract; changes.There shall be a provision as follows:ENTIRE CONTRACTS; CHANGES: This policy, including the endorsements and attached papers, if any, constitutes the entire contract of insurance. No change in this policy shall be valid until approved by an executive officer of the insurer and unless such approval be endorsed hereon or attached hereto. No insurance producer has authority to change this policy or to waive any of its provisions.[ 2008 c 217 § 22; 1951 c 229 § 5. Prior law: (i) 1947 c 79 § .20.05; Rem. Supp. 1947 § 45.20.05. (ii) 1947 c 79 § .20.06; Rem. Supp. 1947 § 45.20.06.]NOTES:Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
WA Rev Code § 48.20.050 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.20 - Disability Insurance.|48.20.050 - Standard provision No. 2—Misstatement of age or sex.

RCW 48.20.050 Standard provision No. 2—Misstatement of age or sex.There shall be a provision as follows:"MISSTATEMENT OF AGE OR SEX: If the age or sex of the insured has been misstated, all amounts payable under this policy shall be such as the premium paid would have purchased at the correct age or sex."The amount of any underpayments which may have been made on account of any such misstatement under a disability income policy shall be paid the insured along with the current payment and the amount of any overpayment may be charged against the current or succeeding payments to be made by the insurer. Interest may be applied to such underpayments or overpayments as specified in the insurance policy form but not exceeding six percent per annum.[ 1983 1st ex.s. c 32 § 16.]
WA Rev Code § 48.20.052 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.20 - Disability Insurance.|48.20.052 - Standard provision No. 3—Time limit on certain defenses.

RCW 48.20.052 Standard provision No. 3—Time limit on certain defenses.There shall be a provision as follows:"TIME LIMIT ON CERTAIN DEFENSES: (a) After two years from the date of issue of this policy no misstatements except fraudulent misstatements, made by the applicant in the application for such policy shall be used to void the policy or to deny a claim for loss incurred or disability (as defined in the policy) commencing after the expiration of such two year period."(The foregoing policy provision shall not be so construed as to affect any legal requirement for avoidance of a policy or denial of a claim during such initial two year period, nor to limit the application of RCW 48.20.050, 48.20.172, 48.20.192, 48.20.202, and 48.20.212 in the event of misstatement with respect to age or occupation or other insurance.)(A policy which the insured has the right to continue in force subject to its terms by the timely payment of premium (1) until at least age 50 or, (2) in the case of a policy issued after age 44, for at least five years from its date of issue, may contain in lieu of the foregoing the following provision (from which the clause in parentheses may be omitted at the insurer's option) under the caption "INCONTESTABLE":"After this policy has been in force for a period of two years during the lifetime of the insured (excluding any period during which the insured is disabled), it shall become incontestable as to the statements contained in the application.")"(b) No claim for loss incurred or disability (as defined in the policy) commencing after two years from the date of issue of this policy shall be reduced or denied on the ground that a disease or physical condition not excluded from coverage by name or specific description effective on the date of loss had existed prior to the effective date of coverage of this policy."(More stringent provisions may be required by the commissioner in connection with individual disability policies sold without any application or with minimal applications.)[ 1983 1st ex.s. c 32 § 17; 1975 1st ex.s. c 266 § 12; 1973 1st ex.s. c 152 § 4; 1969 ex.s. c 241 § 12; 1951 c 229 § 6.]NOTES:Severability—1975 1st ex.s. c 266: See note following RCW 48.01.010.Severability—1973 1st ex.s. c 152: See note following RCW 48.05.140.
WA Rev Code § 48.20.062 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.20 - Disability Insurance.|48.20.062 - Standard provision No. 4—Grace period.

RCW 48.20.062 Standard provision No. 4—Grace period.There shall be a provision as follows:GRACE PERIOD: A grace period of . . . . (insert a number not less than "7" for weekly premium policies, "10" for monthly premium policies, and "31" for all other policies) days will be granted for the payment of each premium falling due after the first premium, during which grace period the policy shall continue in force.(A policy which contains a cancellation provision may add, at the end of the above provision: "subject to the right of the insurer to cancel in accordance with the cancellation provision hereof."A policy in which the insurer reserves the right to refuse any renewal shall have, at the beginning of the above provision: "Unless not less than five days prior to the premium due date the insurer has delivered to the insured or has mailed to his or her last address as shown by the records of the insurer written notice of its intention not to renew this policy beyond the period for which the premium has been accepted.")[ 2009 c 549 § 7096; 1951 c 229 § 7.]
WA Rev Code § 48.20.072 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.20 - Disability Insurance.|48.20.072 - Standard provision No. 5—Reinstatement.

RCW 48.20.072 Standard provision No. 5—Reinstatement.There shall be a provision as follows:REINSTATEMENT: If any renewal premium be not paid within the time granted the insured for payment, a subsequent acceptance of premium by the insurer or by any insurance producer duly authorized by the insurer to accept such premium, without requiring in connection therewith an application for reinstatement, shall reinstate the policy: PROVIDED, HOWEVER, That if the insurer or such insurance producer requires an application for reinstatement and issues a conditional receipt for the premium tendered, the policy will be reinstated upon approval of such application by the insurer or, lacking such approval, upon the forty-fifth day following the date of such conditional receipt unless the insurer has previously notified the insured in writing of its disapproval of such application. The reinstated policy shall cover only loss resulting from such accidental injury as may be sustained after the date of reinstatement and loss due to such sickness as may begin more than ten days after such date. In all other respects the insured and insurer shall have the same rights thereunder as they had under the policy immediately before the due date of the defaulted premium, subject to any provisions endorsed hereon or attached hereto in connection with the reinstatement. Any premium accepted in connection with a reinstatement shall be applied to a period for which premium has not been previously paid, but not to any period more than sixty days prior to the date of reinstatement.(The last sentence of the above provision may be omitted from any policy which the insured has the right to continue in force subject to its terms by the timely payment of premiums (1) until at least age 50 or, (2) in the case of a policy issued after age 44, for at least five years from its date of issue.)[ 2008 c 217 § 23; 1951 c 229 § 8; 1947 c 79 § .20.07; formerly Rem. Supp. 1947 § 45.20.07.]NOTES:Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
WA Rev Code § 48.20.082 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.20 - Disability Insurance.|48.20.082 - Standard provision No. 6—Notice of claim.

RCW 48.20.082 Standard provision No. 6—Notice of claim.There shall be a provision as follows:NOTICE OF CLAIM: Written notice of claim must be given to the insurer within twenty days after the occurrence or commencement of any loss covered by the policy, or as soon thereafter as is reasonably possible. Notice given by or on behalf of the insured or the beneficiary to the insurer at . . . . . . . . . (insert the location of such office as the insurer may designate for the purpose), or to any authorized agent of the insurer, with information sufficient to identify the insured, shall be deemed notice to the insurer.(In a policy providing a loss-of-time benefit which may be payable for at least two years, an insurer may at its option insert the following between the first and second sentences of the above provision:"Subject to the qualifications set forth below, if the insured suffers loss of time on account of disability for which indemnity may be payable for at least two years, he or she shall at least once in every six months after having given notice of claim, give to the insurer notice of continuance of said disability, except in the event of legal incapacity. The period of six months following any filing of proof by the insured or any payment by the insurer on account of such claim or any denial of liability in whole or in part by the insurer shall be excluded in applying this provision. Delay in the giving of such notice shall not impair the insured's right to any indemnity which would otherwise have accrued during the period of six months preceding the date on which such notice is actually given.")[ 2009 c 549 § 7097; 1951 c 229 § 9. Prior law: 1947 c 79 § .20.08; Rem. Supp. 1947 § 45.20.08.]
WA Rev Code § 48.20.092 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.20 - Disability Insurance.|48.20.092 - Standard provision No. 7—Claim forms.

RCW 48.20.092 Standard provision No. 7—Claim forms.There shall be a provision as follows:CLAIM FORMS: The insurer, upon receipt of a notice of claim, will furnish to the claimant such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within fifteen days after the giving of such notice the claimant shall be deemed to have complied with the requirements of this policy as to proof of loss upon submitting, within the time fixed in the policy for filing proofs of loss written proof covering the occurrence, the character and the extent of the loss for which claim is made.[ 1951 c 229 § 10; 1947 c 79 § .20.10; formerly Rem. Supp. 1947 § 45.20.10.]NOTES:Furnishing claim forms does not constitute waiver of any defense by insurer: RCW 48.18.470.Insurer has no responsibility as to completion of claim forms: RCW 48.18.460.