reglab/housing_qa huggingface dataset:
WA Rev Code § 48.19.200 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.200 - Notice of changes.

RCW 48.19.200 Notice of changes.Every rating organization shall notify the commissioner promptly of every change in(1) its constitution, its articles of agreement or association, or its certificate of incorporation, or trust agreement, and its bylaws, rules and regulations governing the conduct of its business;(2) its list of members and subscribers;(3) the name and address of the resident of this state designated by it upon whom notices or orders of the commissioner or process affecting such rating organization may be served.[1947 c 79 § .19.20; Rem. Supp. 1947 § 45.19.20.]
WA Rev Code § 48.19.210 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.210 - Subscribers—Rights, limitations.

RCW 48.19.210 Subscribers—Rights, limitations.(1) Subject to rules and regulations which have been approved by the commissioner as reasonable, each rating organization shall permit any insurer to subscribe to its rating services for any kind of insurance or subdivision thereof, for which it is authorized to act as a rating organization, subject to subsection (2) of RCW 48.19.050.(2) Notice of proposed changes in such rules and regulations shall be given to each subscriber.(3) An insurer shall not concurrently be a subscriber to the services of more than one rating organization as to the same subdivision, class of risk or part or combination of a kind of insurance.(4) As to fire insurance under standard form fire policies, an insurer may not concurrently be a subscriber to the services of more than one rating organization except as provided in subsection (2) of RCW 48.19.050.[1947 c 79 § .19.21; Rem. Supp. 1947 § 45.19.21.]
WA Rev Code § 48.19.220 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.220 - Review of rules and refusal to admit insurers.

RCW 48.19.220 Review of rules and refusal to admit insurers.(1) The reasonableness of any rule or regulation in its application to subscribers, or the refusal of any rating organization to admit an insurer as a subscriber, shall, at the request of any subscriber or any such insurer, be reviewed by the commissioner at a hearing held upon notice to the rating organization, and to the subscriber or insurer.(2) If the commissioner finds that such rule or regulation is unreasonable in its application to subscribers, he or she shall order that such rule or regulation shall not be applicable to subscribers who are not members of the rating organization.(3) If a rating organization fails to grant or reject an insurer's application for subscribership within thirty days after it was made, the insurer may request a review by the commissioner as if the application had been rejected. If the commissioner finds that the insurer has been refused admittance to the rating organization as a subscriber without justification, he or she shall order the rating organization to admit the insurer as a subscriber. If he or she finds that the action of the rating organization was justified, he or she shall make an order affirming its action.[ 2009 c 549 § 7086; 1947 c 79 § .19.22; Rem. Supp. 1947 § 45.19.22.]
WA Rev Code § 48.19.230 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.230 - Subscriber committees.

RCW 48.19.230 Subscriber committees.The subscribers of any rating organization may, from time to time, individually or through committees representing various subscribers, consult with the rating organization with respect to matters within this chapter which affect such subscribers.[1947 c 79 § .19.23; Rem. Supp. 1947 § 45.19.23.]
WA Rev Code § 48.19.240 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.240 - Rules cannot affect dividends.

RCW 48.19.240 Rules cannot affect dividends.No rating organization shall adopt any rule the effect of which would be to prohibit or regulate the payment of dividends, savings or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members or subscribers.[1947 c 79 § .19.24; Rem. Supp. 1947 § 45.19.24.]
WA Rev Code § 48.19.250 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.250 - Cooperative activities.

RCW 48.19.250 Cooperative activities.(1) Cooperation among rating organizations or among rating organizations and insurers in rate making or in other matters within the scope of this chapter is hereby authorized, if the filings resulting from such cooperation are subject to all the provisions of this chapter which are applicable to filings generally.(2) The commissioner may review such cooperative activities and practices and if, after a hearing, he or she finds that any such activity or practice is unfair or unreasonable or otherwise inconsistent with the provisions of this code, he or she may issue a written order specifying in what respect such activity or practice is so unfair, unreasonable, or inconsistent, and requiring the discontinuance of such activity or practice.[ 2009 c 549 § 7087; 1947 c 79 § .19.25; Rem. Supp. 1947 § 45.19.25.]
WA Rev Code § 48.19.260 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.260 - Technical services.

RCW 48.19.260 Technical services.Any rating organization may subscribe for or purchase actuarial, technical or other services, and such services shall be available to all subscribers without discrimination.[1947 c 79 § .19.26; Rem. Supp. 1947 § 45.19.26.]
WA Rev Code § 48.19.270 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.270 - Records—Examinations.

RCW 48.19.270 Records—Examinations.Each rating organization shall keep an accurate and complete record of all work performed by it, and of all its receipts and disbursements. Such rating organization and its records shall be examined by the commissioner at such times and in such manner as is provided in chapter 48.03 RCW of this code.[1947 c 79 § .19.27; Rem. Supp. 1947 § 45.19.27.]
WA Rev Code § 48.19.280 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.280 - Deviations.

RCW 48.19.280 Deviations.(1) Every member or subscriber to a rating organization shall adhere to the filings made on its behalf by such organization. Deviations from the organization's filings are permitted only when filed with the commissioner in accordance with this chapter.(2) Every such deviation shall terminate upon a material change of the basic rate from which the deviation is made. The commissioner shall determine whether a change of the basic rate is so material as to require such termination of deviations.[ 1989 c 25 § 8; 1957 c 193 § 14; 1947 c 79 § .19.28; Rem. Supp. 1947 § 45.19.28.]NOTES:Effective date—1989 c 25: See note following RCW 48.18.100.
WA Rev Code § 48.19.290 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.290 - Appeal from rating organization's action.

RCW 48.19.290 Appeal from rating organization's action.(1) Any subscriber to a rating organization may appeal to the commissioner from the rating organization's action or decision in approving or rejecting any proposed change in or addition to the rating organization's filings. The commissioner shall, after a hearing on the appeal:(a) Issue an order approving the rating organization's action or decision or directing it to give further consideration to such proposal; or(b) If the appeal is from the rating organization's action or decision in rejecting a proposed addition to its filings, he or she may, in event he or she finds that the action or decision was unreasonable, issue an order directing the rating organization to make an addition to its filings, on behalf of its subscribers, in a manner consistent with his or her findings, within a reasonable time after the issuance of such order.(2) If such appeal is based upon the rating organization's failure to make a filing on behalf of such subscriber which is based on a system of expense provisions which differs, in accordance with the right granted in subdivision (2) of RCW 48.19.030, from the system of expense provisions included in a filing made by the rating organization, the commissioner shall, if he or she grants the appeal, order the rating organization to make the requested filing for use by the appellant. In deciding the appeal the commissioner shall apply the standards set forth in RCW 48.19.020 and 48.19.030.[ 2009 c 549 § 7088; 1947 c 79 § .19.29; Rem. Supp. 1947 § 45.19.29.]
WA Rev Code § 48.19.300 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.300 - Service to insureds.

RCW 48.19.300 Service to insureds.Every rating organization and every insurer which makes its own rates shall, within a reasonable time after receiving written request therefor and upon payment of such reasonable charge as it may make, furnish to any insured affected by a rate made by it, or to the authorized representative of such insured, all pertinent information as to such rate.[1947 c 79 § .19.30; Rem. Supp. 1947 § 45.19.30.]
WA Rev Code § 48.19.310 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.310 - Complaints of insureds.

RCW 48.19.310 Complaints of insureds.Every rating organization and every insurer which makes its own rates shall provide within this state reasonable means whereby any person aggrieved by the application of its rating system may be heard, in person or by his or her authorized representative, on his or her written request to review the manner in which such rating system has been applied in connection with the insurance afforded him or her. If the rating organization or insurer fails to grant or reject such request within thirty days after it is made, the applicant may proceed in the same manner as if his or her application had been rejected. Any party affected by the action of such rating organization or such insurer on such request may, within thirty days after written notice of such action, appeal to the commissioner, who, after a hearing held upon notice to the appellant and to the rating organization or insurer, may affirm or reverse such action.[ 2009 c 549 § 7089; 1947 c 79 § .19.31; Rem. Supp. 1947 § 45.19.31.]
WA Rev Code § 48.19.320 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.320 - Advisory organizations—Definition.

RCW 48.19.320 Advisory organizations—Definition.(1) Every group, association or other organization of insurers, whether located within or outside this state, which assists insurers which make their own filings or rating organizations in rate making, by the collection and furnishing of loss or expense statistics, or by the submission of recommendations, but which does not make filings under this chapter, shall be known as an advisory organization.(2) This section does not apply to subscribers' committees provided for in RCW 48.19.230.[1947 c 79 § .19.32; Rem. Supp. 1947 § 45.19.32.]
WA Rev Code § 48.19.330 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.330 - Requisites of advisory organization.

RCW 48.19.330 Requisites of advisory organization.Every advisory organization before serving as such to any rating organization or independently filing insurer doing business in this state, shall file with the commissioner:(1) A copy of its constitution, its articles of agreement or association or its certificate of incorporation and of its bylaws, rules and regulations governing its activities;(2) A list of its members;(3) The name and address of a resident of this state upon whom notices or orders of the commissioner or process issued at his or her direction may be served; and(4) An agreement that the commissioner may examine such advisory organization in accordance with the provisions of RCW 48.03.010.[ 2009 c 549 § 7090; 1947 c 79 § .19.33; Rem. Supp. 1947 § 45.19.33.]
WA Rev Code § 48.19.340 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.340 - Desist orders.

RCW 48.19.340 Desist orders.If, after a hearing, the commissioner finds that the furnishing of information or assistance by an advisory organization, as referred to in RCW 48.19.320, involves any act or practice which is unfair or unreasonable or otherwise inconsistent with the provisions of this code, he or she may issue a written order specifying in what respect such act or practice is unfair or unreasonable or so otherwise inconsistent, and requiring the discontinuance of such act or practice.[ 2009 c 549 § 7091; 1947 c 79 § .19.34; Rem. Supp. 1947 § 45.19.34.]
WA Rev Code § 48.19.350 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.350 - Disqualification of data.

RCW 48.19.350 Disqualification of data.No insurer which makes its own filing nor any rating organization shall support its filings by statistics or adopt rate making recommendations, furnished to it by an advisory organization which has not complied with this chapter or with any order of the commissioner involving such statistics or recommendations issued under RCW 48.19.340. If the commissioner finds such insurer or rating organization to be in violation of this section he or she may issue an order requiring the discontinuance of the violation.[ 2009 c 549 § 7092; 1947 c 79 § .19.35; Rem. Supp. 1947 § 45.19.35.]
WA Rev Code § 48.19.360 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.360 - Joint underwriting or joint reinsurance.

RCW 48.19.360 Joint underwriting or joint reinsurance.(1) Every group, association or other organization of insurers which engages in joint underwriting or joint reinsurance, shall be subject to regulation with respect thereto as is provided in this section, subject, however, with respect to joint underwriting, to all other provisions of this chapter, and, with respect to joint reinsurance, to RCW 48.19.270, 48.01.080 and 48.19.430; and to chapter 48.03 RCW of this code.(2) If, after a hearing, the commissioner finds that any activity or practice of any such group, association or other organization is unfair or unreasonable or otherwise inconsistent with the provisions of this chapter, he or she may issue a written order specifying in what respects such activity or practice is unfair, or unreasonable or so inconsistent, and requiring the discontinuance of the activity or practice.[ 2009 c 549 § 7093; 1947 c 79 § .19.36; Rem. Supp. 1947 § 45.19.36.]
WA Rev Code § 48.19.370 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.370 - Recording and reporting of loss and expense experience.

RCW 48.19.370 Recording and reporting of loss and expense experience.(1) The commissioner shall promulgate reasonable rules and statistical plans, reasonably adapted to each of the rating systems on file with him or her, which may be modified from time to time and which shall be used thereafter by each insurer in the recording and reporting of its loss and countrywide expense experience, in order that the experience of all insurers may be made available at least annually in such form and detail as may be necessary to aid him or her in determining whether rating systems comply with the standards set forth in RCW 48.19.020 and 48.19.030. Such rules and plans may also provide for the recording and reporting of expense experience items which are specially applicable to this state and are not susceptible of determination by a prorating of countrywide expense experience.(2) In promulgating such rules and plans, the commissioner shall give due consideration to the rating systems on file with him or her and, in order that such rules and plans may be as uniform as is practicable among the several states, to the rules and to the form of the plans used for such rating systems in other states.(3) No insurer shall be required to record or report its loss experience on a classification basis that is inconsistent with the rating system filed by it.(4) The commissioner may designate one or more rating organizations or other agencies to assist him or her in gathering such experience and making compilations thereof, and such compilations shall be made available, subject to reasonable rules promulgated by the commissioner, to insurers and rating organizations.(5) Reasonable rules and plans may be promulgated by the commissioner for the interchange of data necessary for the application of rating plans.[ 2009 c 549 § 7094; 1947 c 79 § .19.37; Rem. Supp. 1947 § 45.19.37.]
WA Rev Code § 48.19.380 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.380 - Exchange of information.

RCW 48.19.380 Exchange of information.Every rating organization and insurer may exchange information and experience data with insurers and rating organizations in this and other states and may consult with them with respect to rate making and the application of rating systems.[1947 c 79 § .19.38; Rem. Supp. 1947 § 45.19.38.]
WA Rev Code § 48.19.390 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.390 - False or misleading information.

RCW 48.19.390 False or misleading information.No person shall wilfully withhold information from, or knowingly give false or misleading information to, the commissioner, any statistical agency designated by the commissioner, any rating organization, or any insurer, which will affect the rates or premiums chargeable under this chapter.[1947 c 79 § .19.39; Rem. Supp. 1947 § 45.19.39.]
WA Rev Code § 48.19.400 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.400 - Assigned risks.

RCW 48.19.400 Assigned risks.Agreements may be made among casualty insurers with respect to the equitable apportionment among them of insurance which may be afforded applicants who are in good faith entitled to but who are unable to procure such insurance through ordinary methods and such insurers may agree among themselves on the use of reasonable rate modifications for such insurance, such agreements and rate modifications to be subject to the approval of the commissioner.[1947 c 79 § .19.40; Rem. Supp. 1947 § 45.19.40.]
WA Rev Code § 48.19.420 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.420 - Rate agreements.

RCW 48.19.420 Rate agreements.Two or more insurers mutually may agree to adhere to rates, rating plans, rating systems or underwriting practices or uniform modifications thereof, all subject to the following conditions:(1) All of the terms of the agreements shall be in writing executed on behalf of each such insurer.(2) An executed copy of every such written agreement and of every modification thereof shall be filed with the commissioner.(3) Within a reasonable length of time after every such filing, the commissioner shall either approve or disapprove such agreement or modification. No such agreement or modification shall be effective unless and until approved by the commissioner.(4) The commissioner shall not approve any such agreement or modification which:(a) Constitutes or would tend to result in an unreasonable restraint upon free competition;(b) contains terms otherwise tending to injure the public interest.(5) No cause of action shall lie in favor of any insurer which is party to any such agreement against any other insurer party thereto on account of any breach thereof.(6) All rate filings covered by such agreement shall be subject to the provisions of this chapter or of other applicable law.(7) The commissioner may after a hearing thereon and for cause withdraw any approval previously given any such agreement or modification.[1947 c 79 § .19.42; Rem. Supp. 1947 § 45.19.42.]
WA Rev Code § 48.19.430 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.430 - Penalties.

RCW 48.19.430 Penalties.Any person violating any provision of this chapter shall be subject to a penalty of not more than fifty dollars for each such violation, but if such violation is found to be wilful a penalty of not more than five hundred dollars for each such violation may be imposed. Such penalties may be in addition to any other penalty provided by law.[1947 c 79 § .19.43; Rem. Supp. 1947 § 45.19.43.]
WA Rev Code § 48.19.460 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.460 - Automobile insurance—Premium reductions for older insureds completing accident prevention course.

RCW 48.19.460 Automobile insurance—Premium reductions for older insureds completing accident prevention course.Any schedule of rates or rating plan for automobile liability and physical damage insurance submitted to or filed with the commissioner shall provide for an appropriate reduction in premium charges except for underinsured motorist coverage for those insureds who are fifty-five years of age and older, for a two-year period after successfully completing a motor vehicle accident prevention course meeting the criteria of the department of licensing with a minimum of eight hours, or additional hours as determined by rule of the department of licensing. The classroom course may be conducted by a public or private agency approved by the department. An eight-hour course meeting the criteria of the department of licensing may be offered via an alternative delivery method of instruction, which may include internet, video, or other technology-based delivery methods. An agency seeking approval from the department to offer an alternative delivery method course of instruction is not required to conduct classroom courses under this section. The department of licensing may adopt rules to ensure that insureds who seek certification for taking a course offered via an alternative delivery method have completed the course.[ 2007 c 258 § 1; 1987 c 377 § 1; 1986 c 235 § 1.]
WA Rev Code § 48.19.470 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.470 - Automobile insurance—Premium reductions for persons eligible under RCW 48.19.460.

RCW 48.19.470 Automobile insurance—Premium reductions for persons eligible under RCW 48.19.460.All insurance companies writing automobile liability and physical damage insurance in this state shall allow an appropriate reduction in premium charges except for underinsured motorist coverage to all eligible persons subject to RCW 48.19.460.[ 1986 c 235 § 2.]
WA Rev Code § 48.19.480 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.480 - Automobile insurance—Completion of accident prevention course, certificate.

RCW 48.19.480 Automobile insurance—Completion of accident prevention course, certificate.Upon successfully completing the approved course, each participant shall be issued by the course's sponsoring agency, a certificate that shall be the basis of qualification for the discount on insurance.[ 1986 c 235 § 3.]
WA Rev Code § 48.19.490 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.490 - Automobile insurance—Continued eligibility for discount.

RCW 48.19.490 Automobile insurance—Continued eligibility for discount.Each participant shall take an approved course every two years to continue to be eligible for the discount on insurance.[ 1986 c 235 § 4.]
WA Rev Code § 48.19.500 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.500 - Motor vehicle insurance—Seat belts, etc.

RCW 48.19.500 Motor vehicle insurance—Seat belts, etc.Due consideration in making rates for motor vehicle insurance shall be given to any anticipated change in losses that may be attributable to the use of seat belts, child restraints, and other lifesaving devices. 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 § 20; 1987 c 310 § 1.]NOTES:Severability—1989 c 11: See note following RCW 9A.56.220.