reglab/housing_qa huggingface dataset:
WA Rev Code § 48.19.030 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.030 - Making of rates—Criteria.

RCW 48.19.030 Making of rates—Criteria.Rates shall be used, subject to the other provisions of this chapter, only if made in accordance with the following provisions:(1) In the case of insurances under standard fire policies and that part of marine and transportation insurances not exempted under RCW 48.19.010, manual, minimum, class or classification rates, rating schedules or rating plans, shall be made and adopted; except as to specific rates on inland marine risks individually rated, which risks are not reasonably susceptible to manual or schedule rating, and which risks by general custom of the business are not written according to manual rates or rating plans.(2) In the case of casualty and surety insurances:(a) The systems of expense provisions included in the rates for use by any insurer or group of insurers may differ from those of other insurers or groups of insurers to reflect the requirements of the operating methods of any such insurer or group with respect to any kind of insurance, or with respect to any subdivision or combination thereof for which subdivision or combination separate expense provisions are applicable.(b) Risks may be grouped by classifications for the establishment of rates and minimum premiums. Classification rates may be modified to produce rates for individual risks in accordance with rating plans which establish standards for measuring variations in hazards or expense provisions, or both. Such standards may measure any differences among risks that can be demonstrated to have a probable effect upon losses or expenses.(3) Due consideration in making rates for all insurances shall be given to:(a) Past and prospective loss experience within this state for experience periods acceptable to the commissioner. If the information is not available or is not statistically credible, an insurer may use loss experience in those states which are likely to produce loss experience similar to that in this state.(b) Conflagration and catastrophe hazards, where present.(c) A reasonable margin for underwriting profit and contingencies.(d) Dividends, savings and unabsorbed premium deposits allowed or returned by insurers to their policyholders, members, or subscribers.(e) Past and prospective operating expenses.(f) Past and prospective investment income.(g) All other relevant factors within and outside this state.(4) In addition to other factors required by this section, rates filed by an insurer on its own behalf may also be related to the insurer's plan of operation and plan of risk classification.(5) Except to the extent necessary to comply with RCW 48.19.020 uniformity among insurers in any matter within the scope of this section is neither required nor prohibited.[ 1989 c 25 § 3; 1947 c 79 § .19.03; Rem. Supp. 1947 § 45.19.03.]NOTES:Effective date—1989 c 25: See note following RCW 48.18.100.
WA Rev Code § 48.19.040 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.040 - Filing required—Contents—Definition.

RCW 48.19.040 Filing required—Contents—Definition.(1) Every insurer or rating organization shall, before using, file with the commissioner every classifications manual, manual of rules and rates, rating plan, rating schedule, minimum rate, class rate, and rating rule, and every modification of any of the foregoing which it proposes. The insurer need not so file any rate on individually rated risks as described in subdivision (1) of RCW 48.19.030; except that any such specific rate made by a rating organization shall be filed.(2) Every such filing shall indicate the type and extent of the coverage contemplated and must be accompanied by sufficient information to permit the commissioner to determine whether it meets the requirements of this chapter. An insurer or rating organization shall offer in support of any filing:(a) The experience or judgment of the insurer or rating organization making the filing;(b) An exhibit detailing the major elements of operating expense for the types of insurance affected by the filing;(c) An explanation of how investment income has been taken into account in the proposed rates; and(d) Any other information which the insurer or rating organization deems relevant.(3) If an insurer has insufficient loss experience to support its proposed rates, it may submit:(a) Loss experience for similar exposures of other insurers or of a rating organization; or(b) A complete and logical explanation of how it has developed its proposed rates, including the insurer's analysis of any relevant information and showing why the proposed rates should be considered to meet the requirements of RCW 48.19.020.(4) Every such filing shall state its proposed effective date.(5)(a) A filing made pursuant to this chapter shall be exempt from the provisions of RCW 48.02.120(3). However, the filing and all supporting information accompanying it shall be open to public inspection only after the filing becomes effective, except as provided in (b) of this subsection.(b) For the purpose of this section, "usage-based insurance" means private passenger automobile coverage that uses data gathered from any recording device as defined in RCW 46.35.010, or a system, or business method that records and preserves data arising from the actual usage of a motor vehicle to determine rates or premiums. Information in a filing of usage-based insurance about the usage-based component of the rate is confidential and must be withheld from public inspection.(6) Where a filing is required no insurer shall make or issue an insurance contract or policy except in accordance with its filing then in effect, except as is provided by RCW 48.19.090.[ 2013 c 152 § 2; 2012 c 222 § 1; 1994 c 131 § 8; 1989 c 25 § 4; 1983 1st ex.s. c 32 § 14; 1947 c 79 § .19.04; Rem. Supp. 1947 § 45.19.04.]NOTES:Effective date—1989 c 25: See note following RCW 48.18.100.
WA Rev Code § 48.19.043 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.043 - Forms of commercial property casualty policies—Legislative intent—Issuance prior to filing—Disapproval by commissioner—Definition.

RCW 48.19.043 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 rates.(2) Notwithstanding the provisions of RCW 48.19.040(1), commercial property casualty policies may be issued prior to filing the rates. All commercial property casualty rates shall be filed with the commissioner within thirty days after an insurer issues any policy using them.(3) If, within thirty days after a commercial property casualty rate has been filed, the commissioner finds that the rate does not meet the requirements of this chapter, the commissioner shall disapprove the filing and give notice to the insurer or rating organization that made the filing, specifying how the filing fails to meet the requirements and stating when, within a reasonable period thereafter, the filing shall be deemed no longer effective. The commissioner may extend the time for review another fifteen days by giving notice to the insurer prior to the expiration of the original thirty-day period.(4) Upon a final determination of a disapproval of a rate filing under subsection (3) of this section, the insurer shall issue an endorsement changing the rate to comply with the commissioner's disapproval from the date the rate is no longer effective.(5) 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.(6) Except as provided in subsection (4) 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.(7) In the event a hearing is held on the actions of the commissioner under subsection (3) of this section, the burden of proof is on the commissioner.[ 2013 c 152 § 3; 2006 c 8 § 216; 2003 c 248 § 7; 1997 c 428 § 2.]NOTES:Findings—Intent—Part headings and subheadings not law—Severability—2006 c 8: See notes following RCW 5.64.010.
WA Rev Code § 48.19.050 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.050 - Filings by rating bureau.

RCW 48.19.050 Filings by rating bureau.(1) If so authorized by an insurer, the commissioner shall accept, in lieu of filings by the insurer, filings on its behalf made by a rating organization then licensed as provided in this chapter.(2) As to fire insurance under a standard form fire policy, and the following insurances (other than vehicle insurance coverages) when issued as part of a standard form fire policy, an insurer may so authorize a rating organization to make all [of] its filings only, and may not make a portion of such filings upon its own behalf and authorize a rating organization to make other such filings:(a) Additional property insurance coverages; or(b) Coverages including any kind of insurance in addition to fire for a single undivided premium.(3) Except, that notwithstanding the provisions of subsection (2) an insurer which prior to the first day of January, 1947, made its own filings in this state as to a particular class of fire risks, and its filings in this state as to other classes of fire risks were made by a rating organization authorized by the insurer so to do, may:(a) Continue to make all [of] its own filings as to such specific class of risks or authorize a rating organization to make its filings as to such specific class of risks or any part thereof; and(b) Authorize a different rating organization to make all only of its filings [all of its filings only] as to all other classes of risks insured by it in this state against fire under the standard form fire policy; or(c) Make all [of] its own filings as to all classes of risks insured by it against fire under the standard form fire policy, or make all [of] its own such filings except as to any which may relate to any such specific class of risks, which filings so excepted the insurer may authorize a rating organization to make; or(d) Authorize a rating organization to make all only of its filings [all of its filings only] as to all classes or risks insured by it against fire in this state under the standard form fire policy.[ 1957 c 193 § 13; 1947 c 79 § .19.05; Rem. Supp. 1947 § 45.19.05.]
WA Rev Code § 48.19.060 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.060 - Filings—Review, waiting period, disapproval.

RCW 48.19.060 Filings—Review, waiting period, disapproval.(1) The commissioner shall review a filing as soon as reasonably possible after made, to determine whether it meets the requirements of this chapter.(2) Except as provided in RCW 48.19.070 and 48.19.043:(a) No such filing shall become effective within thirty days after the date of filing with the commissioner, which period may be extended by the commissioner for an additional period not to exceed fifteen days if he or she gives notice within such waiting period to the insurer or rating organization which made the filing that he or she needs such additional time for the consideration of the filing. The commissioner may, upon application and for cause shown, waive such waiting period or part thereof as to a filing that he or she has not disapproved.(b) A filing shall be deemed to meet the requirements of this chapter unless disapproved by the commissioner within the waiting period or any extension thereof.(3) Medical malpractice insurance rate filings are subject to the provisions of this section.[ 2006 c 8 § 217; 1997 c 428 § 4; 1989 c 25 § 5; 1947 c 79 § .19.06; Rem. Supp. 1947 § 45.19.06.]NOTES:Findings—Intent—Part headings and subheadings not law—Severability—2006 c 8: See notes following RCW 5.64.010.Effective date—1989 c 25: See note following RCW 48.18.100.
WA Rev Code § 48.19.070 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.070 - Special filings.

RCW 48.19.070 Special filings.The following special filings, when not covered by a previous filing, shall become effective when filed and shall be deemed to meet the requirements of this chapter until such time as the commissioner reviews the filing and for so long thereafter as the filing remains in effect:(1) Special filings with respect to surety or guaranty bonds required by law or by court or executive order or by order, rule or regulation of a public body.(2) Specific rates on inland marine risks individually rated by a rating organization, which risks are not reasonably susceptible to manual or schedule rating, and which risks by general custom of the business are not written according to manual rates or rating plans.[1947 c 79 § .19.07; Rem. Supp. 1947 § 45.19.07.]
WA Rev Code § 48.19.080 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.080 - Waiver of filing.

RCW 48.19.080 Waiver of filing.Under such rules and regulations as he or she shall adopt the commissioner may, by order, suspend or modify the requirement of filing as to any kind of insurance. Such orders, rules and regulations shall be made known to insurers and rating organizations affected thereby. The commissioner may make such examination as he or she may deem advisable to ascertain whether any rates affected by such order meet the standard prescribed in RCW 48.19.020.[ 2009 c 549 § 7079; 1981 c 339 § 18; 1947 c 79 § .19.08; Rem. Supp. 1947 § 45.19.08.]
WA Rev Code § 48.19.090 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.090 - Excess rates on specific risks.

RCW 48.19.090 Excess rates on specific risks.Upon written application of the insured, stating his or her reasons therefor, filed with and approved by the commissioner, a rate in excess of that provided by a filing otherwise applicable may be used on any specific risk.[ 2009 c 549 § 7080; 1947 c 79 § .19.09; Rem. Supp. 1947 § 45.19.09.]
WA Rev Code § 48.19.100 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.100 - Disapproval of filing.

RCW 48.19.100 Disapproval of filing.If within the waiting period or any extension thereof as provided in RCW 48.19.060, the commissioner finds that a filing does not meet the requirements of this chapter, he or she shall disapprove such filing, and shall give notice of such disapproval, specifying the respect in which he or she finds the filing fails to meet such requirements, and stating that the filing shall not become effective, to the insurer or rating organization which made the filing.[ 2009 c 549 § 7081; 1989 c 25 § 6; 1947 c 79 § .19.10; Rem. Supp. 1947 § 45.19.10.]NOTES:Effective date—1989 c 25: See note following RCW 48.18.100.
WA Rev Code § 48.19.110 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.110 - Disapproval of special filing.

RCW 48.19.110 Disapproval of special filing.(1) If within thirty days after a special filing subject to RCW 48.19.070 has become effective, the commissioner finds that the filing does not meet the requirements of this chapter, he or she shall disapprove the filing and shall give notice to the insurer or rating organization which made the filing, specifying in what respects he or she finds that the filing fails to meet such requirements and stating when, within a reasonable period thereafter, the filing shall be deemed no longer effective.(2) Such disapproval shall not affect any contract made or issued prior to the expiration of the period set forth in the notice of disapproval.[ 2009 c 549 § 7082; 1947 c 79 § .19.11; Rem. Supp. 1947 § 45.19.11.]
WA Rev Code § 48.19.120 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.120 - Subsequent disapproval.

RCW 48.19.120 Subsequent disapproval.(1) If at any time subsequent to the applicable review period provided in RCW 48.19.060 or 48.19.110, the commissioner finds that a filing does not meet the requirements of this chapter, he or she shall, after a hearing, notice of which was given to every insurer and rating organization which made such filing, issue his or her order specifying in what respect he or she finds that such filing fails to meet the requirements of this chapter, and stating when, within a reasonable period thereafter, the filings shall be deemed no longer effective.(2) Such order shall not affect any contract or policy made or issued prior to the expiration of the period set forth in the order.(3) Any person aggrieved with respect to any filing then in effect, other than the insurer or rating organization which made the filing, may make written application to the commissioner for a hearing thereon. The application shall specify the grounds to be relied upon by the applicant. If the commissioner finds that the application is made in good faith, that the applicant would be so aggrieved if his or her grounds are established, and that such grounds otherwise justify holding the hearing, he or she shall, within thirty days after receipt of the application, hold a hearing as required in subsection (1) of this section.[ 2009 c 549 § 7083; 1989 c 25 § 7; 1983 1st ex.s. c 32 § 15; 1947 c 79 § .19.12; Rem. Supp. 1947 § 45.19.12.]NOTES:Effective date—1989 c 25: See note following RCW 48.18.100.
WA Rev Code § 48.19.140 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.140 - Rating organizations—Discrimination—"Subscriber" defined.

RCW 48.19.140 Rating organizations—Discrimination—"Subscriber" defined.(1) Every rating organization operating in this state shall furnish its services without discrimination as between its subscribers.(2) "Subscriber," for the purposes of this chapter and where the context does not otherwise specify, means any insurer which employs the services of a rating organization for the purpose of making filings, whether or not the insurer is a "member" of such rating organization.(3) This chapter is not intended to and does not govern or affect the "membership" relation as such between a rating organization and insurers who are its "members."[1947 c 79 § .19.14; Rem. Supp. 1947 § 45.19.14.]
WA Rev Code § 48.19.150 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.150 - Subscribership not required.

RCW 48.19.150 Subscribership not required.No provision of this code shall require, or be deemed to require, any insurer to be a subscriber of, or in any other respect affiliated with, any rating organization.[1947 c 79 § .19.15; Rem. Supp. 1947 § 45.19.15.]
WA Rev Code § 48.19.160 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.160 - Rating organization license.

RCW 48.19.160 Rating organization license.No rating organization shall do business in this state or make filings with the commissioner unless then licensed by the commissioner as a rating organization.[1947 c 79 § .19.16; Rem. Supp. 1947 § 45.19.16.]
WA Rev Code § 48.19.170 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.170 - Application for license.

RCW 48.19.170 Application for license.(1) Any person, whether domiciled within or outside this state, except as provided in subsection (2) of this section, may make application to the commissioner for a license as a rating organization for such kinds of insurance or subdivisions thereof, if for casualty or surety insurances, or for such subdivision, class of risks or a part or combination thereof, if for other insurances, as are specified in its application, and shall file therewith:(a) A copy of its constitution, its articles of agreement or association, or its certificate of incorporation, or trust agreement, and of its bylaws, rules and regulations governing the conduct of its business;(b) A list of its members and a list of its subscribers;(c) The name and address of a resident of this state upon whom notices or orders of the commissioner or process affecting such rating organization may be served, and(d) A statement of its qualifications as a rating organization.(2) Any rating organization proposing to act as such as to insurance under standard form fire policies, shall be licensed only if all the following conditions are complied with:(a) The applicant and the operators of such rating organization shall be domiciled in and shall actually reside in this state.(b) The ownership of such rating organization shall be vested in trustees for all its subscribers under such trust agreement as is approved by the commissioner, and the rating organization shall be and shall be conducted as a nonprofit public service institution.(c) Such rating organization shall not be connected with any insurer or insurers except to the extent that any such insurer may be a subscriber to its services.[1947 c 79 § .19.17; Rem. Supp. 1947 § 45.19.17.]
WA Rev Code § 48.19.180 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.180 - Issuance of license.

RCW 48.19.180 Issuance of license.(1) If the commissioner finds that the applicant for a license as a rating organization is competent, trustworthy and otherwise qualified so to act, and that its constitution, articles of agreement or association or certificate of incorporation or trust agreement, and its bylaws, rules and regulations governing the conduct of its business conform to the requirements of law, he or she shall, upon payment of a license fee of twenty-five dollars, issue a license specifying the kinds of insurance, or subdivisions or class of risk or part or combination thereof for which the applicant is authorized to act as a rating organization.(2) The commissioner shall grant or deny in whole or in part every such application within sixty days of the date of its filing with him or her.(3) A license issued pursuant to this section shall remain in effect for three years unless sooner suspended or revoked by the commissioner.[ 2009 c 549 § 7084; 1947 c 79 § .19.18; Rem. Supp. 1947 § 45.19.18.]
WA Rev Code § 48.19.190 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.19 - Rates.|48.19.190 - Suspension or revocation of license.

RCW 48.19.190 Suspension or revocation of license.(1) The commissioner may, after a hearing, suspend or revoke the license issued to a rating organization for any of the following causes:(a) If he or she finds that the licensee no longer meets the qualifications for the license.(b) For failure to comply with an order of the commissioner within the time limited by the order, or any extension thereof which the commissioner may grant.(2) The commissioner shall not so suspend or revoke a license for failure to comply with an order until the time prescribed by this code for an appeal from such order to the superior court has expired or if such appeal has been taken, until such order has been affirmed.(3) The commissioner may determine when a suspension or revocation of license shall become effective. A suspension of license shall remain in effect for the period fixed by him or her, unless he or she modifies or rescinds the suspension, or until the order, failure to comply with which constituted grounds for the suspension, is modified, rescinded or reversed.[ 2009 c 549 § 7085; 1947 c 79 § .19.19; Rem. Supp. 1947 § 45.19.19.]