reglab/housing_qa huggingface dataset:
WA Rev Code § 48.30.250 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.30 - Unfair Practices and Frauds.|48.30.250 - Interlocking ownership, management.

RCW 48.30.250 Interlocking ownership, management.(1) Any insurer may retain, invest in or acquire the whole or any part of the capital stock of any other insurer or insurers, or have a common management with any other insurer or insurers, unless such retention, investment, acquisition or common management is inconsistent with any other provision of this title, or unless by reason thereof the business of such insurers with the public is conducted in a manner which substantially lessens competition generally in the insurance business or tends to create a monopoly therein.(2) Any person otherwise qualified may be a director of two or more insurers which are competitors, unless the effect thereof is to substantially lessen competition between insurers generally or tends to create a monopoly.(3) If the commissioner finds, after a hearing thereon, that there is violation of this section he or she shall order all such persons and insurers to cease and desist from such violation within such time, or extension thereof, as may be specified in such order.[ 2009 c 549 § 7121; 1949 c 190 § 34; Rem. Supp. 1949 § 45.30.25.]
WA Rev Code § 48.30.300 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.30 - Unfair Practices and Frauds.|48.30.300 - Unfair discrimination, generally.

RCW 48.30.300 Unfair discrimination, generally.Notwithstanding any provision contained in Title 48 RCW to the contrary:(1) A person or entity engaged in the business of insurance in this state may not refuse to issue any contract of insurance or cancel or decline to renew such contract because of the sex, marital status, or sexual orientation as defined in RCW 49.60.040, or the presence of any disability of the insured or prospective insured. The amount of benefits payable, or any term, rate, condition, or type of coverage may not be restricted, modified, excluded, increased, or reduced on the basis of the sex, marital status, or sexual orientation, or be restricted, modified, excluded, or reduced on the basis of the presence of any disability of the insured or prospective insured.(2) Except as provided in RCW 48.43.0128, 48.44.220, or 48.46.370, this subsection does not prohibit fair discrimination on the basis of sex, or marital status, or the presence of any disability when bona fide statistical differences in risk or exposure have been substantiated.[ 2020 c 274 § 32; 2020 c 228 § 8; 2006 c 4 § 18; 2005 c 223 § 19; 1993 c 492 § 287; 1975-'76 2nd ex.s. c 119 § 7.]NOTES:Reviser's note: This section was amended by 2020 c 228 § 8 and by 2020 c 274 § 32, each without reference to the other. Both amendments are incorporated in the publication of this section under RCW 1.12.025(2). For rule of construction, see RCW 1.12.025(1).Findings—Intent—1993 c 492: See notes following RCW 43.20.050.Short title—Savings—Reservation of legislative power—Effective dates—1993 c 492: See RCW 43.72.910 through 43.72.915.
WA Rev Code § 48.30.310 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.30 - Unfair Practices and Frauds.|48.30.310 - Commercial motor vehicle employment driving record not to be considered, when.

RCW 48.30.310 Commercial motor vehicle employment driving record not to be considered, when.When an individual applies for a policy of casualty insurance providing either automobile liability coverage, uninsured motorist coverage, automobile medical payments coverage, or automobile physical damage coverage on an individually owned passenger vehicle or a renewal of such policy, an insurer shall not consider the applicant's commercial motor vehicle employment driving record in determining whether the policy will be issued or renewed or in determining the rates for the policy. An insurer shall not cancel such policy or discriminate in regard to other terms or conditions of the policy based upon the applicant's commercial motor vehicle employment driving record."Employment driving record" means that record maintained by the director pertaining to motor vehicle accidents or convictions for violation of motor vehicle laws while the applicant is driving a commercial motor vehicle as an employee of another.[ 1977 ex.s. c 356 § 3.]
WA Rev Code § 48.30.320 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.30 - Unfair Practices and Frauds.|48.30.320 - Notice of reason for cancellation, restrictions based on disability.

RCW 48.30.320 Notice of reason for cancellation, restrictions based on disability.Every authorized insurer, upon canceling, denying, or refusing to renew any individual life, individual disability, homeowner, dwelling fire, or private passenger automobile insurance policy, shall, upon written request, directly notify in writing the applicant or insured, as the case may be, of the reasons for the action by the insurer. Any benefits, terms, rates, or conditions of such an insurance contract which are restricted, excluded, modified, increased, or reduced because of the presence of a disability shall, upon written request, be set forth in writing and supplied to the insured. The written communications required by this section shall be phrased in simple language which is readily understandable to a person of average intelligence, education, and reading ability.[ 2020 c 274 § 33; 1979 c 133 § 1.]
WA Rev Code § 48.30.330 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.30 - Unfair Practices and Frauds.|48.30.330 - Immunity from libel or slander.

RCW 48.30.330 Immunity from libel or slander.With respect to contracts of insurance as defined in RCW 48.30.320, there shall be no liability on the part of, and no cause of action of any nature shall arise against, the insurance commissioner, the commissioner's agents, or members of the commissioner's staff, or against any insurer, its authorized representative, its agents, its employees, furnishing to the insurer information as to reasons for cancellation or refusal to issue or renew, for libel or slander on the basis of any statement made by any of them in any written notice of cancellation or refusal to issue or renew, or in any other communications, oral or written, specifying the reasons for cancellation or refusal to issue or renew or the providing of information pertaining thereto, or for statements made or evidence submitted in any hearing conducted in connection therewith.[ 1979 c 133 § 2.]
WA Rev Code § 48.30.340 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.30 - Unfair Practices and Frauds.|48.30.340 - Auto glass repair—Restrictions on insurer-owned facilities.

RCW 48.30.340 Auto glass repair—Restrictions on insurer-owned facilities.(1) A person in this state has the right to choose any glass repair facility for the repair of a loss relating to motor vehicle glass.(2) An insurer or its third-party administrator that owns in whole or in part an automobile glass repair facility that is processing a claim limited only to auto glass shall:(a) Verbally inform the person making the claim of loss, of the right provided under subsection (1) of this section, at the time information regarding the automobile glass repair or replacement facilities is provided; and(b) Verbally inform the person making the claim of loss that the third-party administrator is an entity separate from the insurer that has a financial arrangement to process automobile glass claims on the insurer's behalf.(3) An insurer or its third-party administrator that owns an interest in an automobile glass repair or replacement facility shall post the following notice in each of its repair facilities:"THIS AUTOMOBILE GLASS REPAIR OR REPLACEMENT FACILITY IS OWNED IN WHOLE OR IN PART BY (NAME OF INSURER OR INSURER'S THIRD-PARTY ADMINISTRATOR). YOU ARE HEREBY NOTIFIED THAT YOU ARE ENTITLED UNDER WASHINGTON LAW TO SEEK REPAIRS AT ANY AUTOMOBILE GLASS REPAIR OR REPLACEMENT FACILITY OF YOUR CHOICE."The notice must be posted, in not less than eighteen point font, prominently in a location in which it is likely to be seen and read by a customer. If the automobile glass repair or replacement facility is mobile, the notice must be given to the person making the claim verbally by the insurer or its third-party administrator prior to commencement of the repair or replacement.(4) A person making a claim of loss whose motor vehicle is repaired at an automotive glass repair or replacement facility subject to the notice requirements of this section may file a complaint with the office of the insurance commissioner.(5) This section does not create a private right or cause of action to or on behalf of any person.[ 2007 c 74 § 1.]
WA Rev Code § 48.30.350 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.30 - Unfair Practices and Frauds.|48.30.350 - Initiating arbitration of claims under the balance billing protection act with such frequency as to indicate a health carrier's general business practice.

RCW 48.30.350 Initiating arbitration of claims under the balance billing protection act with such frequency as to indicate a health carrier's general business practice.(1) It is an unfair or deceptive practice for a health carrier to initiate, with such frequency as to indicate a general business practice, arbitration under RCW 48.49.040 with respect to claims submitted by out-of-network providers for services included in RCW 48.49.020 that request payment of a commercially reasonable amount, based on payments for the same or similar services provided in a similar geographic area.(2) As used in this section, "health carrier" has the same meaning as in RCW 48.43.005.[ 2019 c 427 § 16.]NOTES:Findings—Intent—Effective date—2019 c 427: See RCW 48.49.003 and 48.49.900.
WA Rev Code § 48.30.900 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.30 - Unfair Practices and Frauds.|48.30.900 - Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.

RCW 48.30.900 Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.For the purposes of this chapter, the terms spouse, marriage, marital, husband, wife, widow, widower, next of kin, and family shall be interpreted as applying equally to state registered domestic partnerships or individuals in state registered domestic partnerships as well as to marital relationships and married persons, and references to dissolution of marriage shall apply equally to state registered domestic partnerships that have been terminated, dissolved, or invalidated, to the extent that such interpretation does not conflict with federal law. Where necessary to implement chapter 521, Laws of 2009, gender-specific terms such as husband and wife used in any statute, rule, or other law shall be construed to be gender neutral, and applicable to individuals in state registered domestic partnerships.[ 2009 c 521 § 123.]
WA Rev Code § 48.30A.005 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.30A - Insurance Fraud.|48.30A.005 - Findings—Intent.

RCW 48.30A.005 Findings—Intent.The legislature finds that the business of insurance is one affected by the public interest, requiring that all persons be actuated by good faith, abstain from deception, and practice honesty and equity in all insurance matters. The payment of kickbacks, bribes, or rebates for referrals to service providers, as has been occurring with increasing regularity in this state, results in inflated or fraudulent insurance claims, results in greater insurance costs for all citizens, and is contrary to the public interest. In particular, the process whereby "cappers" buy and sell insurance claims without the controls of professional licensing and discipline creates a fertile ground for illegal activity and has, in this state, resulted in frauds committed against injured claimants, insurance companies, and the public. Operations that engage in this practice have some or all of the following characteristics: Cappers, acting under an agreement or understanding that they will receive a pecuniary benefit, refer claimants with real or imaginary claims, injuries, or property damage to service providers. This sets off a chain of events that corrupts both the provision of services and casualty or property insurance for all citizens. This chain of events includes false claims for services through the use of false estimates of repair; false prescriptions of care or rehabilitative therapy; services that either do not occur or are provided by persons unqualified to provide the services; submission of false claims; submission of and demands for fraudulent costs, lost wages, pain and suffering, and the like; and other devices meant to result in false claims under casualty or property insurance policies or contracts, whether insured or self-insured, and either directly or through subrogation.The legislature finds that combatting these practices requires laws carefully fashioned to identify practices that mimic customary business practices. The legislature does not intend this law to be used against medical and other business referral practices that are otherwise legal, customary, and unrelated to the furtherance of some or all of the corrupt practices identified in this chapter.[ 1995 c 285 § 1.]
WA Rev Code § 48.30A.010 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.30A - Insurance Fraud.|48.30A.010 - Definitions.

RCW 48.30A.010 Definitions.The definitions set forth in this section apply throughout this chapter unless the context clearly indicates otherwise.(1) "Casualty or property insurance" includes both the insurance under which a claim is filed and insurance that receives a claim through subrogation, and means insurance as defined in RCW 48.11.040 and 48.11.070 and includes self-insurance arrangements.(2) "Claimant" means a person who has or is believed by an actor to have an insurance claim.(3) "Group-buying arrangement" means an arrangement made by a membership organization having one hundred or more members in which the organization asks for or receives valuable consideration in exchange for referring its members to a service provider; the consideration asked for or received will be or is used to benefit the entire organization, not just one or more individuals in positions of power or influence in the organization; and reasonable efforts are made to disclose to affected members of the organization the nature of the referral relationship, including the nature, extent, amount, and use of the consideration.(4) "Health care services" means a service provided to a claimant for treatment of physical or mental illness or injury arising in whole or substantial part from trauma.(5) "Insurance claim" means a claim for payment, benefits, or damages under a contract, plan, or policy of casualty or property insurance.(6) "Legal provider" means an active member in good standing of the Washington state bar association, and any other person authorized by the Washington state supreme court to engage in full or limited practice of law.(7) "Service provider" means a person who directly or indirectly provides, advertises, or otherwise claims to provide services.(8) "Services" means health care services, motor vehicle body or other motor vehicle repair, and preparing, processing, presenting, or negotiating an insurance claim.(9) "Trauma" means a physical injury or wound caused by external force or violence.[ 1995 c 285 § 2.]
WA Rev Code § 48.30A.015 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.30A - Insurance Fraud.|48.30A.015 - Unlawful acts—Penalties.

RCW 48.30A.015 Unlawful acts—Penalties.(1) It is unlawful for a person:(a) Knowing that the payment is for the referral of a claimant to a service provider, either to accept payment from a service provider or, being a service provider, to pay another; or(b) To provide or claim or represent to have provided services to a claimant, knowing the claimant was referred in violation of (a) of this subsection.(2) It is unlawful for a service provider to engage in a regular practice of waiving, rebating, giving, paying, or offering to waive, rebate, give, or pay all or any part of a claimant's casualty or property insurance deductible.(3) A violation of this section constitutes trafficking in insurance claims.(4)(a) Trafficking in insurance claims is a gross misdemeanor for a single violation.(b) Each subsequent violation, whether alleged in the same or in subsequent prosecutions, is a class C felony.[ 2003 c 53 § 271; 1995 c 285 § 3.]NOTES:Intent—Effective date—2003 c 53: See notes following RCW 2.48.180.
WA Rev Code § 48.30A.020 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.30A - Insurance Fraud.|48.30A.020 - Defenses to proceedings under this chapter.

RCW 48.30A.020 Defenses to proceedings under this chapter.In a proceeding under this chapter, it is a defense if proven by the defendant by a preponderance of the evidence that, at the time of the offense:(1) The conduct alleged was authorized by the rules of professional conduct or the admission to practice rules for lawyers as adopted by the state supreme court, Washington business and professions licensing statutes, or rules adopted by the secretary of health or the director of licensing;(2) The payment was an incidental nonmonetary gift or gratuity, or was purely social in nature;(3) The conduct alleged was an exercise of a group-buying arrangement;(4) The conduct alleged was a legal provider paying a service provider's bills from the proceeds of an insurance claim that included the bills;(5) The conduct alleged was a legal provider paying for services of an expert witness, including reports, consultation, and testimony; or(6) The conduct alleged was a service provider's purchase of advertising from an unrelated business that provides referrals from advertising for groups of ten or more service providers that are not related to the advertising business and not related to each other.[ 1995 c 285 § 4.]
WA Rev Code § 48.30A.030 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.30A - Insurance Fraud.|48.30A.030 - Injunction available—Remedies—Costs—Attorneys' fees—Degree of proof—Time limit.

RCW 48.30A.030 Injunction available—Remedies—Costs—Attorneys' fees—Degree of proof—Time limit.Independent of authority granted to the attorney general, the prosecuting attorney may petition the superior court for an injunction against a person who has violated this chapter. Remedies in an injunctive action brought by a prosecuting attorney are limited to an order enjoining, restraining, or preventing the doing of any act or practice that constitutes a violation of this chapter and imposing a civil penalty of up to five thousand dollars for each violation. The prevailing party in the action may, in the discretion of the court, recover its reasonable investigative costs and the costs of the action including a reasonable attorney's fee. The degree of proof required in an action brought under this section is a preponderance of the evidence. An action under this section must be brought within three years after the violation of this chapter occurred.[ 1995 c 285 § 6.]
WA Rev Code § 48.30A.035 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.30A - Insurance Fraud.|48.30A.035 - Detrimental judgment—Written notification to appropriate regulatory or disciplinary body or agency.

RCW 48.30A.035 Detrimental judgment—Written notification to appropriate regulatory or disciplinary body or agency.Whenever a service provider or a person licensed by the state in a business or profession is convicted, enjoined, or found liable for damages or a civil penalty or other equitable relief under RCW 48.30A.030, the attorney general or the prosecuting attorney shall provide written notification of the judgment to the appropriate regulatory or disciplinary body or agency.[ 1995 c 285 § 7.]
WA Rev Code § 48.30A.040 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.30A - Insurance Fraud.|48.30A.040 - Violation—Cause for discipline—Unprofessional conduct—Regulatory penalty.

RCW 48.30A.040 Violation—Cause for discipline—Unprofessional conduct—Regulatory penalty.A violation of this chapter is cause for discipline and constitutes unprofessional conduct that could result in any regulatory penalty provided by law, including refusal, revocation, or suspension of a business or professional license, or right or admission to practice. Conduct that constitutes a violation of this chapter is unprofessional conduct in violation of RCW 18.130.180.[ 1995 c 285 § 8.]
WA Rev Code § 48.30A.045 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.30A - Insurance Fraud.|48.30A.045 - Insurance antifraud plan—File plan and changes with commissioner—Exemptions.

RCW 48.30A.045 Insurance antifraud plan—File plan and changes with commissioner—Exemptions.(1) Each insurer licensed to write direct insurance in this state, except those exempted in subsection (2) of this section, shall institute and maintain an insurance antifraud plan. An insurer licensed after July 1, 1995, shall file its antifraud plan within six months of licensure. An insurer shall file any change to the antifraud plan with the insurance commissioner within thirty days after the plan has been modified.(2) This section does not apply to:(a) Health carriers, as defined in RCW 48.43.005;(b) Life insurers;(c) Title insurers; (d) Property or casualty insurers with annual gross written medical malpractice insurance premiums in this state that exceed fifty percent of their total annual gross written premiums in this state; (e) Credit-related insurance written in connection with a credit transaction in which the creditor is named as a beneficiary or loss payee under the policy, except vendor single-interest or collateral protection coverage as defined in RCW 48.22.110(4); or(f) Insurers with gross written premiums of less than one thousand dollars in Washington during the reporting year.[ 2005 c 223 § 20; 1997 c 92 § 1; 1995 c 285 § 9.]
WA Rev Code § 48.30A.050 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.30A - Insurance Fraud.|48.30A.050 - Insurance antifraud plan—Specific procedures.

RCW 48.30A.050 Insurance antifraud plan—Specific procedures.An insurer's antifraud plan must establish specific procedures to:(1) Prevent insurance fraud, including internal fraud involving employees or company representatives, fraud resulting from misrepresentation on applications for insurance coverage, and claims fraud;(2) Review claims in order to detect evidence of possible insurance fraud and to investigate claims where fraud is suspected;(3) Report fraud to appropriate law enforcement agencies and cooperate with those agencies in their prosecution of fraud cases;(4) Undertake civil actions against persons who have engaged in fraudulent activities;(5) Train company employees and agents in the detection and prevention of fraud.[ 1995 c 285 § 10.]
WA Rev Code § 48.30A.055 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.30A - Insurance Fraud.|48.30A.055 - Insurance antifraud plan—Review—Disapproval—Notice—Audit to ensure compliance.

RCW 48.30A.055 Insurance antifraud plan—Review—Disapproval—Notice—Audit to ensure compliance.If after review of an insurer's antifraud plan, the commissioner finds that the plan does not comply with RCW 48.30A.050, the commissioner may disapprove the antifraud plan. Notice of disapproval must include a statement of the specific reasons for disapproval. The insurer shall refile a plan disapproved by the commissioner within sixty days of the date of the notice of disapproval. The commissioner may audit insurers to ensure compliance with antifraud plans.[ 1995 c 285 § 11.]