reglab/housing_qa huggingface dataset:
WA Rev Code § 48.18.200 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.200 - Limiting actions, jurisdiction.

RCW 48.18.200 Limiting actions, jurisdiction.(1) Except as provided by subsection (3) of this section, no insurance contract delivered or issued for delivery in this state and covering subjects located, resident, or to be performed in this state, shall contain any condition, stipulation, or agreement(a) requiring it to be construed according to the laws of any other state or country except as necessary to meet the requirements of the motor vehicle financial responsibility laws of such other state or country; or(b) depriving the courts of this state of the jurisdiction of action against the insurer; or(c) limiting right of action against the insurer to a period of less than one year from the time when the cause of action accrues in connection with all insurances other than property and marine and transportation insurances. In contracts of property insurance, or of marine and transportation insurance, such limitation shall not be to a period of less than one year from the date of the loss.(2) Any such condition, stipulation, or agreement in violation of this section shall be void, but such voiding shall not affect the validity of the other provisions of the contract.(3) For purposes of out-of-network payment disputes between a health carrier and health care provider covered under the provisions of chapter 48.49 RCW, the arbitration provisions of chapter 48.49 RCW apply.[ 2019 c 427 § 29; 1947 c 79 § .18.20; Rem. Supp. 1947 § 45.18.20.]NOTES:Findings—Intent—Effective date—2019 c 427: See RCW 48.49.003 and 48.49.900.
WA Rev Code § 48.18.210 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.210 - Execution of policies.

RCW 48.18.210 Execution of policies.(1) Every insurance contract shall be executed in the name of and on behalf of the insurer by its officer, employee, or representative duly authorized by the insurer.(2) A facsimile signature of any such executing officer, employee or representative may be used in lieu of an original signature.(3) No insurance contract heretofore or hereafter issued and which is otherwise valid shall be rendered invalid by reason of the apparent execution thereof on behalf of the insurer by the imprinted facsimile signature of any individual not authorized so to execute as of the date of the policy, if the policy is countersigned with the original signature of an individual then so authorized to countersign.[1947 c 79 § .18.21; Rem. Supp. 1947 § 45.18.21.]
WA Rev Code § 48.18.220 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.220 - Receipt of premium to bind coverage—Contents of receipt.

RCW 48.18.220 Receipt of premium to bind coverage—Contents of receipt.Where an insurance producer, title insurance agent, or other representative of an insurer receipts premium money at the time that the insurance producer, title insurance agent, or representative purports to bind coverage, the receipt shall state: (a) That it is a binder, (b) a brief description of the coverage bound, and (c) the identity of the insurer in which the coverage is bound. This section does not apply as to life and disability insurances.[ 2008 c 217 § 14; 1967 ex.s. c 12 § 2.]NOTES:Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
WA Rev Code § 48.18.230 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.230 - Binders—Duration—Premium.

RCW 48.18.230 Binders—Duration—Premium.(1) A "binder" is used to bind insurance temporarily pending the issuance of the policy. No binder shall be valid beyond the issuance of the policy as to which it was given, or beyond ninety days from its effective date, whichever period is the shorter.(2) If the policy has not been issued a binder may be extended or renewed beyond such ninety days upon the commissioner's written approval, or in accordance with such rules and regulations relative thereto as the commissioner may promulgate.(3) Where the premium used in the binder differs from the actual policy premium by less than ten dollars, the insurer shall not be required to notify the insured and may use the actual policy premium.[ 1996 c 95 § 1; 1947 c 79 § .18.23; Rem. Supp. 1947 § 45.18.23.]
WA Rev Code § 48.18.240 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.240 - Binders—Insurance producer's or title insurance agent's liability.

RCW 48.18.240 Binders—Insurance producer's or title insurance agent's liability.The commissioner may suspend or revoke the license of any insurance producer or title insurance agent issuing or purporting to issue any binder as to any insurer named therein as to which he or she is not then authorized so to bind.[ 2008 c 217 § 15; 1947 c 79 § .18.24; Rem. Supp. 1947 § 45.18.24.]NOTES:Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
WA Rev Code § 48.18.250 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.250 - Underwriters' and combination policies.

RCW 48.18.250 Underwriters' and combination policies.(1) Two or more authorized insurers may jointly issue, and shall be jointly and severally liable on, an underwriters' policy bearing their names. Any one insurer may issue policies in the name of an underwriter's department and such policies shall plainly show the true name of the insurer.(2) Two or more authorized insurers may, with the commissioner's approval, issue a combination policy which shall contain provisions substantially as follows:(a) That the insurers executing the policy shall be severally liable for the full amount of any loss or damage, according to the terms of the policy, or for specified percentages or amounts thereof, aggregating the full amount of insurance under the policy.(b) That service of process, or of any notice or proof of loss required by such policy, upon any of the insurers executing the policy, shall constitute service upon all such insurers.(3) This section shall not apply to co-surety obligations.[1947 c 79 § .18.25; Rem. Supp. 1947 § 45.18.25.]
WA Rev Code § 48.18.260 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.260 - Delivery of policy.

RCW 48.18.260 Delivery of policy.(1) Subject to the insurer's requirements as to payment of premium, every policy shall be delivered to the insured or to the person entitled thereto within a reasonable period of time after its issuance.(2) In event the original policy is delivered or is so required to be delivered to or for deposit with any vendor, mortgagee, or pledgee of any motor vehicle or aircraft, and in which policy any interest of the vendee, mortgagor, or pledgor in or with reference to such vehicle or aircraft is insured, a duplicate of such policy, or memorandum thereof setting forth the type of coverage, limits of liability, premiums for the respective coverages, and duration of the policy, shall be delivered by the vendor, mortgagee, or pledgee to each such vendee, mortgagor, or pledgor named in the policy or coming within the group of persons designated in the policy to be so included. If the policy does not provide coverage of legal liability for injury to persons or damage to the property of third parties, a conspicuous statement of such fact shall be printed, written, or stamped on the face of such duplicate policy or memorandum.[1947 c 79 § .18.26; Rem. Supp. 1947 § 45.18.26.]NOTES:Vehicle seller must furnish buyer itemized statement of insurance and other charges: RCW 46.70.130.
WA Rev Code § 48.18.280 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.280 - Renewal of policy.

RCW 48.18.280 Renewal of policy.Any insurance policy terminating by its terms at a specified expiration date and not otherwise renewable, may be renewed or extended at the option of the insurer and upon a currently authorized policy form and at the premium rate then required therefor for a specific additional period or periods by a certificate or by endorsement of the policy, and without requiring the issuance of a new policy.[1947 c 79 § .18.28; Rem. Supp. 1947 § 45.18.28.]
WA Rev Code § 48.18.289 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.289 - Cancellation, nonrenewal, renewal offer—Notice to insurance producer or title insurance agent.

RCW 48.18.289 Cancellation, nonrenewal, renewal offer—Notice to insurance producer or title insurance agent.Whenever a notice of cancellation or nonrenewal or an offer to renew is furnished to an insured in accord with any provision of this chapter, a copy of such notice or offer shall be provided within five working days to the insurance producer or title insurance agent on the account. When possible, the copy to the insurance producer or title insurance agent may be provided electronically.[ 2008 c 217 § 16; 2000 c 220 § 1; 1988 c 249 § 1; 1987 c 14 § 1.]NOTES:Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.Effective date—1988 c 249: "This act shall take effect September 1, 1988." [ 1988 c 249 § 4.]
WA Rev Code § 48.18.293 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.293 - Nonliability of commissioner, agents, insurer for information giving reasons for cancellation or refusal to renew—Proof of mailing of notice.

RCW 48.18.293 Nonliability of commissioner, agents, insurer for information giving reasons for cancellation or refusal to renew—Proof of mailing of notice.(1) There shall be no liability on the part of, and no cause of action of any nature shall arise against, the insurance commissioner, his or her agents, or members of his or her staff, or against any insurer, its authorized representative, its agents, its employees, or any firm, person or corporation furnishing to the insurer information as to reasons for cancellation or refusal to renew, for any statement made by any of them in any written notice of cancellation or refusal to renew, or in any other communications, oral or written, specifying the reasons for cancellation or refusal to renew or the providing of information pertaining thereto, or for statements made or evidence submitted in any hearing conducted in connection therewith.(2) Proof of mailing of notice of cancellation or refusal to renew or of reasons for cancellation, to the named insured, at the latest address filed with the insurer by or on behalf of the named insured shall be sufficient proof of notice.[ 2009 c 549 § 7070; 1969 ex.s. c 241 § 21.]NOTES:Construction—1969 ex.s. c 241 §§ 19-25: See note following RCW 48.18.291.
WA Rev Code § 48.18.295 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.295 - RCW 48.18.290 through 48.18.297 not to prevent cancellation or nonrenewal, when.

RCW 48.18.295 RCW 48.18.290 through 48.18.297 not to prevent cancellation or nonrenewal, when.Nothing in RCW 48.18.290 through 48.18.297 shall be construed to prevent the cancellation or nonrenewal of any such insurance where:(1) Such cancellation or nonrenewal is ordered by the commissioner under a statutory delinquency proceeding commenced under the provisions of chapter 48.31 RCW, or(2) Permission for such cancellation or nonrenewal has been given by the commissioner on a showing that the continuation of such coverage can reasonably be expected to create a condition in the company hazardous to its policyholder, or to its creditors, or to its members, subscribers, or stockholders, or to the public.[ 1985 c 264 § 21; 1969 ex.s. c 241 § 22; 1967 ex.s. c 95 § 2.]NOTES:Application—1985 c 264 §§ 17-22: See note following RCW 48.18.290.Construction—1969 ex.s. c 241 §§ 19-25: See note following RCW 48.18.291.Severability—1967 ex.s. c 95: "If any provision of this act, or its application to any person or circumstance is held invalid, the remainder of the act, or the application of the provision to other persons and circumstances is not affected." [ 1967 ex.s. c 95 § 16.]
WA Rev Code § 48.18.296 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.296 - Contracts to which RCW 48.18.291 through 48.18.297 inapplicable.

RCW 48.18.296 Contracts to which RCW 48.18.291 through 48.18.297 inapplicable.The provisions of RCW 48.18.291 through 48.18.297 shall not apply to:(1) Contracts of insurance issued under the assigned risk plan;(2) Any policy covering garage, automobile sales agency, repair shop, service station, or public parking place operation hazards; and(3) Contracts of insurance procured under the provisions of chapter 48.15 RCW.[ 1986 c 287 § 3; 1985 c 264 § 22; 1983 1st ex.s. c 32 § 6; 1969 ex.s. c 241 § 23.]NOTES:Application—1985 c 264 §§ 17-22: See note following RCW 48.18.290.Construction—1969 ex.s. c 241 §§ 19-25: See note following RCW 48.18.291.
WA Rev Code § 48.18.297 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.297 - Private passenger automobile defined.

RCW 48.18.297 Private passenger automobile defined.A private passenger automobile as used in RCW 48.18.291 through 48.18.297 shall mean:(1) An individually owned motor vehicle of the private passenger or station wagon type that is not used as a public or livery conveyance for passengers, nor rented to others.(2) Any other individually owned four-wheel motor vehicle with a load capacity of fifteen hundred pounds or less which is not used in the occupation, profession, or business of the insured.[ 1969 ex.s. c 241 § 24.]NOTES:Construction—1969 ex.s. c 241 §§ 19-25: See note following RCW 48.18.291.
WA Rev Code § 48.18.298 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.298 - Disability insurance—Refusal to renew by insurer.

RCW 48.18.298 Disability insurance—Refusal to renew by insurer.No insurer shall refuse to renew any policy of individual disability insurance issued after July 1, 1973 because of a change in the physical or mental condition or health of any person covered thereunder: PROVIDED, That after approval of the insurance commissioner, an insurer may discharge its obligation to renew the contract by obtaining for the insured coverage with another insurer which is comparable in terms of premiums and benefits.[ 1973 1st ex.s. c 188 § 1.]NOTES:Severability—1973 1st ex.s. c 188: "If any provision of this act, or its application to any person or circumstance is held invalid, the remainder of the act, or the application of the provision to other persons or circumstances is not affected." [ 1973 1st ex.s. c 188 § 5.]
WA Rev Code § 48.18.299 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.299 - Disability insurance—Cancellation by insurer.

RCW 48.18.299 Disability insurance—Cancellation by insurer.No contract of insurance enumerated in RCW 48.18.298 shall be terminated by cancellation by the insurer during the period of contract except for nonpayment of premium. This section shall not be deemed to affect the right of the insurer to rescind the policy as limited and defined in RCW 48.18.090.[ 1973 1st ex.s. c 188 § 2.]NOTES:Severability—1973 1st ex.s. c 188: See note following RCW 48.18.298.
WA Rev Code § 48.18.300 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.300 - Cancellation by insured.

RCW 48.18.300 Cancellation by insured.(1) Cancellation by the insured of any policy which by its terms is cancellable at the insured's option or of any binder based on such policy may be effected by written notice thereof to the insurer or surrender of the policy or binder for cancellation prior to or on the effective date of such cancellation. In [the] event the policy or binder has been lost or destroyed and cannot be so surrendered, the insurer may in lieu of such surrender accept and in good faith rely upon the insured's written statement setting forth the fact of such loss or destruction.(2) As soon as possible, and no later than thirty days after the receipt of the notice of cancellation from the policyholder for homeowners', dwelling fire, and private passenger auto insurance, the insurer shall pay to the insured or to the person entitled thereto as shown by the insurer's records, any unearned portion of any premium paid on the policy as computed on the customary short rate or as otherwise specified in the policy: PROVIDED, That the refund of any unearned portion of any premium paid on a contract of dwelling fire insurance, homeowners' insurance, or insurance predicated upon the use of a private passenger automobile (as defined in RCW 48.18.297 and excluding contracts of insurance and policies enumerated in RCW 48.18.296) shall be computed on a pro rata basis and the insurer shall refund not less than ninety percent of any unearned portion not exceeding one hundred dollars, plus ninety-five percent of any unearned portion over one hundred dollars but not exceeding five hundred dollars, and not less than ninety-seven percent of the amount of any unearned portion in excess of five hundred dollars. If the amount of any refund is less than two dollars, no refund need be made. If no premium has been paid on the policy, the insured shall be liable to the insurer for premium for the period during which the policy was in force.(3) The surrender of a policy to the insurer for any cause by any person named therein as having an interest insured thereunder shall create a presumption that such surrender is concurred in by all persons so named.(4) This section shall not apply to life insurance policies or to annuity contracts.[ 1980 c 102 § 8; 1979 ex.s. c 199 § 8; 1955 c 303 § 16; 1947 c 79 § .18.30; Rem. Supp. 1947 § 45.18.30.]
WA Rev Code § 48.18.310 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.310 - Cancellation by commissioner.

RCW 48.18.310 Cancellation by commissioner.The commissioner may order the immediate cancellation of any policy the procuring or effectuation of which was accomplished through or accompanied by a violation of this code, except in cases where the policy by its terms is not cancellable by the insurer and the insured did not knowingly participate in any such violation.[1947 c 79 § .18.31; Rem. Supp. 1947 § 45.18.31.]
WA Rev Code § 48.18.320 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.320 - Annulment of liability policies.

RCW 48.18.320 Annulment of liability policies.No insurance contract insuring against loss or damage through legal liability for the bodily injury or death by accident of any individual, or for damage to the property of any person, shall be retroactively annulled by any agreement between the insurer and insured after the occurrence of any such injury, death, or damage for which the insured may be liable, and any such annulment attempted shall be void.[1947 c 79 § .18.32; Rem. Supp. 1947 § 45.18.32.]
WA Rev Code § 48.18.340 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.340 - Dividends payable to real party in interest.

RCW 48.18.340 Dividends payable to real party in interest.(1) Every insurer issuing participating policies, shall pay dividends, unused premium refunds or savings distributed on account of any such policy, only to the real party in interest entitled thereto as shown by the insurer's records, or to any person to whom the right thereto has been assigned in writing of record with the insurer, or given in the policy by such real party in interest.(2) Any person who is shown by the insurer's records to have paid for his or her own account, or to have been ultimately charged for, the premium for insurance provided by a policy in which another person is the nominal insured, shall be deemed such real party in interest proportionate to premium so paid or so charged. This subsection shall not apply as to any such dividend, refund, or distribution which would amount to less than one dollar.(3) This section shall not apply to contracts of group life insurance, group annuities, or group disability insurance.[ 2009 c 549 § 7071; 1947 c 79 § .18.34; Rem. Supp. 1947 § 45.18.34.]
WA Rev Code § 48.18.350 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.350 - Breach of warranty prior to loss—Effect.

RCW 48.18.350 Breach of warranty prior to loss—Effect.If any breach of a warranty or condition in any insurance contract occurs prior to a loss under the contract, such breach shall not avoid the contract nor avail the insurer to avoid liability, unless the breach exists at the time of the loss.[1947 c 79 § .18.35; Rem. Supp. 1947 § 45.18.35.]
WA Rev Code § 48.18.360 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.360 - Assignment of policies—Life and disability.

RCW 48.18.360 Assignment of policies—Life and disability.Subject to the terms of the policy relating to its assignment, life insurance policies, other than industrial or group life insurance policies, and disability policies providing benefits for accidental death, whether such policies were heretofore or are hereafter issued, and under the terms of which the beneficiary may be changed upon the sole request of the insured, may be assigned either by pledge or transfer of title, by an assignment executed by the insured alone and delivered to the insurer, whether or not the pledgee or assignee is the insurer. Industrial life insurance policies may be made assignable only to a bank or trust company. Any such assignment shall entitle the insurer to deal with the assignee as the owner or pledgee of the policy in accordance with the terms of the assignment, until the insurer has received at its home office written notice of termination of the assignment or pledge, or written notice by or on behalf of some other person claiming some interest in the policy in conflict with the assignment.[1947 c 79 § .18.36; Rem. Supp. 1947 § 45.18.36.]
WA Rev Code § 48.18.370 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.370 - Payment discharges insurer—Life and disability.

RCW 48.18.370 Payment discharges insurer—Life and disability.Whenever the proceeds of, or payments under a life or disability insurance policy, heretofore or hereafter issued, become payable and the insurer makes payment thereof in accordance with the terms of the policy, or in accordance with any written assignment thereof pursuant to RCW 48.18.360, the person then designated in the policy or by such assignment as being entitled thereto, shall be entitled to receive such proceeds or payments and to give full acquittance therefor, and such payment shall fully discharge the insurer from all claims under the policy unless, before payment is made, the insurer has received at its home office, written notice by or on behalf of some other person that such other person claims to be entitled to such payment or some interest in the policy.[1947 c 79 § .18.37; Rem. Supp. 1947 § 45.18.37.]