reglab/statecodes huggingface dataset:
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.29 - Title Insurers. › 48.29.450 - Rating organizations—Records—Commissioner cost recovery rules.

RCW 48.29.450
Rating organizations—Records—Commissioner cost recovery rules.
(1) 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.
(2) The commissioner may adopt rules to enable the commissioner to recover the costs of the commissioner's examination of a rating organization from the rating organization or the rating organization's members and subscribers.
[ 2017 c 103 § 13.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.29 - Title Insurers. › 48.29.455 - Rating organizations—Members and subscribers—Appeal to commissioner.

RCW 48.29.455
Rating organizations—Members and subscribers—Appeal to commissioner.
(1) Any member of or 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, the commissioner may, upon finding 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 the commissioner's 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 that differs from the system of expense provisions included in a filing made by the rating organization, the commissioner shall, if the appeal is granted, order the rating organization to make the requested filing for use by the appellant.
(3) In deciding the appeal the commissioner shall apply the standards set forth in RCW 48.29.143 and 48.29.147 for rate filings, and the standards set forth in RCW 48.18.100 and 48.18.110 for form filings.
[ 2017 c 103 § 15.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.29 - Title Insurers. › 48.29.460 - Rating organizations—Members and subscribers—Discrimination.

RCW 48.29.460
Rating organizations—Members and subscribers—Discrimination.
(1) Every rating organization operating in this state shall furnish its services without discrimination as between its members and subscribers.
(2) This chapter is not intended to and does not govern or affect the membership relation as such between a rating organization and insurers that are its members.
[ 2017 c 103 § 16.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.29 - Title Insurers. › 48.29.465 - Rating organizations—Membership or subscription not required.

RCW 48.29.465
Rating organizations—Membership or subscription not required.
This chapter does not require any insurer to be a member of or subscriber to, or in any other respect affiliated with, any rating organization.
[ 2017 c 103 § 17.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.29 - Title Insurers. › 48.29.470 - Rating organizations—Aggregate information and experience data—Exchange.

RCW 48.29.470
Rating organizations—Aggregate information and experience data—Exchange.
Every rating organization may exchange aggregate information and experience data with insurers, rating organizations in this state, and the statistical reporting agent designated in accordance with RCW 48.29.017, and may consult with insurers and rating organizations in this state with respect to form and rate making and the application of rating systems, except to the extent that an agreement between a rating organization and its member or subscriber prohibits the rating organization from disclosing any information or experience data of such member or subscriber to other insurers, members, subscribers, rating organizations, or the statistical reporting agent.
[ 2017 c 103 § 18.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.29 - Title Insurers. › 48.29.500 - Advisory organizations—Filings with commissioner.

RCW 48.29.500
Advisory organizations—Filings with commissioner.
Every advisory organization before serving as such to any rating organization or insurer doing business in this state must provide the following to 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.
[ 2017 c 103 § 19.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.29 - Title Insurers. › 48.29.510 - Advisory organizations—Acts and practices inconsistent with chapter.

RCW 48.29.510
Advisory organizations—Acts and practices inconsistent with chapter.
If, after a hearing, the commissioner finds that the furnishing of information or assistance by an advisory organization involves any act or practice that is inconsistent with the provisions of this code, the commissioner may issue a written order specifying in what respect such act or practice is so inconsistent, and requiring the discontinuance of such act or practice.
[ 2017 c 103 § 20.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.29 - Title Insurers. › 48.29.901 - Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.

RCW 48.29.901
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 § 122.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.020 - Anticompact law.

RCW 48.30.020
Anticompact law.
(1) No person shall either within or outside of this state enter into any contract, understanding or combination with any other person to do jointly or severally any act or engage in any practice for the purpose of
(a) controlling the rates to be charged for insuring any risk or any class of risks in this state; or
(b) unfairly discriminating against any person in this state by reason of his or her plan or method of transacting insurance, or by reason of his or her affiliation or nonaffiliation with any insurance organization; or
(c) establishing or perpetuating any condition in this state detrimental to free competition in the business of insurance or injurious to the insuring public.
(2) This section shall not apply relative to ocean marine and foreign trade insurances.
(3) This section shall not be deemed to prohibit the doing of things permitted to be done in accordance with the provisions of chapter 48.19 RCW of this code.
(4) Whenever the commissioner has knowledge of any violation of this section he or she shall forthwith order the offending person to discontinue such practice immediately or show cause to the satisfaction of the commissioner why such order should not be complied with. If the offender is an insurer or a licensee under this code and fails to comply with such order within thirty days after receipt thereof, the commissioner may forthwith revoke the offender's certificate of authority or licenses.
[ 2009 c 549 § 7118; 1947 c 79 § .30.02; Rem. Supp. 1947 § 45.30.02.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.030 - False financial statements.

RCW 48.30.030
False financial statements.
No person shall knowingly file with any public official nor knowingly make, publish, or disseminate any financial statement of an insurer which does not accurately state the insurer's financial condition.
[1947 c 79 § .30.03; Rem. Supp. 1947 § 45.30.03.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.040 - False information and advertising.

RCW 48.30.040
False information and advertising.
No person shall knowingly make, publish, or disseminate any false, deceptive or misleading representation or advertising in the conduct of the business of insurance, or relative to the business of insurance or relative to any person engaged therein.
[1947 c 79 § .30.04; Rem. Supp. 1947 § 45.30.04.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.050 - Advertising must show name and domicile.

RCW 48.30.050
Advertising must show name and domicile.
Every advertisement of, by, or on behalf of an insurer shall set forth the name in full of the insurer and the location of its home office or principal office, if any, in the United States (if an alien insurer).
[1947 c 79 § .30.05; Rem. Supp. 1947 § 45.30.05.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.060 - Insurer name—Deceptive use prohibited.

RCW 48.30.060
Insurer name—Deceptive use prohibited.
No person who is not an insurer shall assume or use any name which deceptively infers or suggests that it is an insurer.
[1947 c 79 § .30.06; Rem. Supp. 1947 § 45.30.06.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.070 - Advertising of financial condition.

RCW 48.30.070
Advertising of financial condition.
(1) Every advertisement by or on behalf of any insurer purporting to show its financial condition may be in a condensed form but shall in substance correspond with the insurer's last verified statement filed with the commissioner.
(2) No insurer or person in its behalf shall advertise assets except those actually owned and possessed by the insurer in its own exclusive right, available for the payment of losses and claims, and held for the protection of its policyholders and creditors.
[1947 c 79 § .30.07; Rem. Supp. 1947 § 45.30.07.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.075 - Using existence of insurance guaranty associations in advertising, etc., to sell insurance.

RCW 48.30.075
Using existence of insurance guaranty associations in advertising, etc., to sell insurance.
No person shall make, publish, disseminate, circulate, or place before the public, or cause, directly or indirectly, to be made, published, disseminated, circulated, or placed before the public in any newspaper, magazine, or other publication, or in the form of a notice, circular, pamphlet, letter, or poster, or over any radio station or television station, or in any other way, any advertisement, announcement, or statement which uses the existence of the Washington Insurance Guaranty Association or the Washington Life and Disability Insurance Guaranty Association for the purpose of sales, solicitation, or inducement to purchase any form of insurance covered by the Washington Insurance Guaranty Association Act or the Washington Life and Disability Insurance Guaranty Association Act.
[1975-'76 2nd ex.s. c 109 § 9.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.080 - Defamation of insurer.

RCW 48.30.080
Defamation of insurer.
No person shall make, publish, or disseminate, or aid, abet or encourage the making, publishing, or dissemination of any information or statement which is false or maliciously critical and which is designed to injure in its reputation or business any authorized insurer or any domestic corporation or reciprocal being formed pursuant to this code for the purpose of becoming an insurer.
[1947 c 79 § .30.08; Rem. Supp. 1947 § 45.30.08.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.090 - Misrepresentation of policies.

RCW 48.30.090
Misrepresentation of policies.
No person shall make, issue or circulate, or cause to be made, issued or circulated any misrepresentation of the terms of any policy or the benefits or advantages promised thereby, or the dividends or share of surplus to be received thereon, or use any name or title of any policy or class of policies misrepresenting the nature thereof.
[1947 c 79 § .30.09; Rem. Supp. 1947 § 45.30.09.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.100 - Dividends not to be guaranteed.

RCW 48.30.100
Dividends not to be guaranteed.
No insurer, insurance producer, title insurance agent, or other person shall guarantee or agree to the payment of future dividends or future refunds of unused premiums or savings in any specific or approximate amounts or percentages on account of any insurance contract.
[ 2008 c 217 § 34; 1947 c 79 § .30.10; Rem. Supp. 1947 § 45.30.10.]
NOTES:
Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.110 - Contributions to candidates for insurance commissioner.

RCW 48.30.110
Contributions to candidates for insurance commissioner.
(1) No insurer or fraternal benefit society doing business in this state shall directly or indirectly pay or use, or offer, consent, or agree to pay or use any money or thing of value for or in aid of any candidate for the office of insurance commissioner; nor for reimbursement or indemnification of any person for money or property so used.
(2) Any individual who violates any provision of this section, or who participates in, aids, abets, advises, or consents to any such violation, or who solicits or knowingly receives any money or thing of value in violation of this section, shall be guilty of a gross misdemeanor and shall be liable to the insurer or society for the amount so contributed or received.
[ 1982 c 181 § 18; 1947 c 79 § .30.11; Rem. Supp. 1947 § 45.30.11.]
NOTES:
Severability—1982 c 181: See note following RCW 48.03.010.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.120 - Misconduct of officers, employees.

RCW 48.30.120
Misconduct of officers, employees.
No director, officer, agent, attorney-in-fact, or employee of an insurer shall:
(1) Knowingly receive or possess himself or herself of any of its property, otherwise than in payment for a just demand, and with intent to defraud, omit to make or to cause or direct to be made, a full and true entry thereof in its books and accounts; nor
(2) Make or concur in making any false entry, or concur in omitting to make any material entry, in its books or accounts; nor
(3) Knowingly concur in making or publishing any written report, exhibit or statement of its affairs or pecuniary condition containing any material statement which is false, or omit or concur in omitting any statement required by law to be contained therein; nor
(4) Having the custody or control of its books, willfully fail to make any proper entry in the books of the insurer as required by law, or to exhibit or allow the same to be inspected and extracts to be taken therefrom by any person entitled by law to inspect the same, or take extracts therefrom; nor
(5) If a notice of an application for an injunction or other legal process affecting or involving the property or business of the insurer is served upon him or her, fail to disclose the fact of such service and the time and place of such application to the other directors, officers, and managers thereof; nor
(6) Fail to make any report or statement lawfully required by a public officer.
[ 2010 c 8 § 11004; 2009 c 549 § 7119; 1947 c 79 § .30.12; Rem. Supp. 1947 § 45.30.12.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.130 - Presumption of knowledge of director.

RCW 48.30.130
Presumption of knowledge of director.
A director of an insurer is deemed to have such knowledge of its affairs as to enable him or her to determine whether any act, proceeding, or omission of its directors is a violation of any provision of this chapter. If present at a meeting of directors at which any act, proceeding, or omission of its directors which is a violation of any such provision occurs, he or she must be deemed to have concurred therein unless at the time he or she causes or in writing requires his or her dissent therefrom to be entered on the minutes of the directors.
If absent from such meeting, he or she must be deemed to have concurred in any such violation if the facts constituting such violation appear on the records or minutes of the proceedings of the board of directors, and he or she remains a director of the insurer for six months thereafter without causing or in writing requiring his or her dissent from such violation to be entered upon such record or minutes.
[ 2009 c 549 § 7120; 1947 c 79 § .30.13; Rem. Supp. 1947 § 45.30.13.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.133 - Gifts, etc., for the referral of insurance business—Restrictions.

RCW 48.30.133
Gifts, etc., for the referral of insurance business—Restrictions.
(1) An insurance producer may give to an individual, prizes, goods, wares, gift cards, gift certificates, or merchandise not exceeding one hundred dollars in value per person in any consecutive twelve-month period for the referral of insurance business to the insurance producer, if the giving of the prizes, goods, wares, gift cards, gift certificates, or merchandise is not conditioned upon the person who is referred applying for or obtaining insurance through the insurance producer.
(2) The payment for the referral must not be in cash, currency, bills, coins, check, or by money order.
(3) The provisions of RCW 48.30.140 and 48.30.150 do not apply to prizes, goods, wares, gift cards, gift certificates, or merchandise given to a person in compliance with subsections (1) and (2) of this section.
(4) Notwithstanding subsections (1) and (2) of this section, an insurance producer may pay to an unlicensed individual who is neither an insured nor a prospective insured a referral fee conditioned on the submission of an application if made in compliance with the provisions of RCW 48.17.490(4).
[ 2015 c 272 § 3.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.135 - Sponsoring events or making contributions—Definitions.

RCW 48.30.135
Sponsoring events or making contributions—Definitions.
(1) An insurance producer may sponsor events for, or make contributions to a bona fide charitable or nonprofit organization, if the sponsorship or contribution is not conditioned upon the organization applying for or obtaining insurance through the insurance producer.
(2) For purposes of this section, a bona fide charitable or nonprofit organization is:
(a) Any nonprofit corporation duly existing under the provisions of chapter 24.03A RCW for charitable, benevolent, eleemosynary, educational, civic, patriotic, political, social, fraternal, cultural, athletic, scientific, agricultural, or horticultural purposes;
(b) Any professional, commercial, industrial, or trade association;
(c) Any organization duly existing under the provisions of chapter 24.12, 24.20, or 24.28 RCW;
(d) Any agricultural fair authorized under the provisions of chapter 15.76 or 36.37 RCW; or
(e) Any nonprofit organization, whether incorporated or otherwise, when determined by the commissioner to be organized and operated for one or more of the purposes described in (a) through (d) of this subsection.
(3) RCW 48.30.140 and 48.30.150 do not apply to sponsorships or charitable contributions that are provided or given in compliance with subsection (1) of this section.
[ 2021 c 176 § 5228; 2015 c 272 § 4.]
NOTES:
Effective date—2021 c 176: See note following RCW 24.03A.005.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.155 - Life or disability insurers—Insurance as inducement to purchase of goods, etc.

RCW 48.30.155
Life or disability insurers—Insurance as inducement to purchase of goods, etc.
No life or disability insurer shall directly or indirectly participate in any plan to offer or effect any kind or kinds of insurance in this state as an inducement to the purchase by the public of any goods, securities, commodities, services or subscriptions to publications. This section shall not apply to group or blanket insurance issued pursuant to this code. This section does not apply to products or services related to any policy of life insurance that are intended to incent behavioral changes that improve the health and reduce the risk of death of the insured.
[ 2020 c 197 § 3; 1957 c 193 § 19.]
NOTES:
Effective date—2020 c 197: See note following RCW 48.30.140.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.157 - Charges for extra services.

RCW 48.30.157
Charges for extra services.
Notwithstanding the provisions of RCW 48.30.140, 48.30.150, and 48.30.155, the commissioner may permit an insurance producer to enter into reasonable arrangements with insureds and prospective insureds to charge a reduced fee in situations where services that are charged for are provided beyond the scope of services customarily provided in connection with the solicitation and procurement of insurance, so that an overall charge to an insured or prospective insured is reasonable taking into account receipt of commissions and fees and their relation, proportionally, to the value of the total work performed.
[ 2008 c 217 § 37; 1988 c 248 § 17; 1983 c 3 § 154; 1979 ex.s. c 199 § 10.]
NOTES:
Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.170 - Rebate—Acceptance prohibited.

RCW 48.30.170
Rebate—Acceptance prohibited.
(1) No insured person shall receive or accept, directly or indirectly, any rebate of premium or part thereof, or any favor, advantage, share in dividends, or other benefits, or any valuable consideration or inducement not specified or provided for in the policy, or any commission on any insurance policy to which he or she is not lawfully entitled as a licensed insurance producer or title insurance agent. The retention by the nominal policyholder in any group life insurance contract of any part of any dividend or reduction of premium thereon contrary to the provisions of RCW 48.24.260, shall be deemed the acceptance and receipt of a rebate and shall be punishable as provided by this code.
(2) The amount of insurance whereon the insured has so received or accepted any such rebate or any such commission, other than as to life or disability insurances, shall be reduced in the proportion that the amount or value of the rebate or commission bears to the premium for such insurance. In addition to such reduction of insurance, if any, any such insured shall be liable to a fine of not more than two hundred dollars.
(3) This section shall not apply to an offset or reimbursement of all or part of a fee paid to an insurance producer as provided in RCW 48.17.270.
[ 2008 c 217 § 38; 1994 c 203 § 4; 1947 c 79 § .30.17; Rem. Supp. 1947 § 45.30.17.]
NOTES:
Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.180 - "Twisting" prohibited.

RCW 48.30.180
"Twisting" prohibited.
No person shall by misrepresentations or by misleading comparisons, induce or tend to induce any insured to lapse, terminate, forfeit, surrender, retain, or convert any insurance policy.
[1947 c 79 § .30.18; Rem. Supp. 1947 § 45.30.18.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.190 - Illegal dealing in premiums.

RCW 48.30.190
Illegal dealing in premiums.
(1) No person shall wilfully collect any sum as premium for insurance, which insurance is not then provided or is not in due course to be provided by an insurance policy issued by an insurer as authorized by this code.
(2) No person shall wilfully collect as premium for insurance any sum in excess of the amount actually expended or in due course is to be expended for insurance applicable to the subject on account of which the premium was collected.
(3) No person shall wilfully or knowingly fail to return to the person entitled thereto within a reasonable length of time any sum collected as premium for insurance in excess of the amount actually expended for insurance applicable to the subject on account of which the premium was collected.
(4) Each violation of this section which does not amount to a felony shall constitute a misdemeanor.
[1947 c 79 § .30.19; Rem. Supp. 1947 § 45.30.19.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.200 - Hypothecation of premium notes.

RCW 48.30.200
Hypothecation of premium notes.
It shall be unlawful for any insurer or its representative, or any insurance producer, to hypothecate, sell, or dispose of any promissory note, received in payment for any premium or part thereof on any contract of life insurance or of disability insurance applied for, prior to delivery of the policy to the applicant.
[ 2008 c 217 § 39; 1947 c 79 § .30.20; Rem. Supp. 1947 § 45.30.20.]
NOTES:
Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.210 - Misrepresentation in application for insurance.

RCW 48.30.210
Misrepresentation in application for insurance.
A person who knowingly makes a false or misleading statement or impersonation, or who willfully fails to reveal a material fact, in or relative to an application for insurance to an insurer, is guilty of a gross misdemeanor, and the license of any such person may be revoked.
[ 1995 c 285 § 18; 1990 1st ex.s. c 3 § 10; 1947 c 79 § .30.21; Rem. Supp. 1947 § 45.30.21.]
NOTES:
Effective date—1995 c 285: See RCW 48.30A.900.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.220 - Destruction, injury, secretion, etc., of property.

RCW 48.30.220
Destruction, injury, secretion, etc., of property.
Any person, who, with intent to defraud or prejudice the insurer thereof, burns or in any manner injures, destroys, secretes, abandons, or disposes of any property which is insured at the time against loss or damage by fire, theft, embezzlement, or any other casualty, whether the same be the property of or in the possession of such person or any other person, under circumstances not making the offense arson in the first degree, is guilty of a class C felony.
[ 1995 c 285 § 19; 1965 ex.s. c 70 § 25; 1947 c 79 § .30.22; Rem. Supp. 1947 § 45.30.22.]
NOTES:
Effective date—1995 c 285: See RCW 48.30A.900.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.230 - False claims or proof—Penalty.

RCW 48.30.230
False claims or proof—Penalty.
(1) It is unlawful for any person, knowing it to be such, to:
(a) Present, or cause to be presented, a false or fraudulent claim, or any proof in support of such a claim, for the payment of a loss under a contract of insurance; or
(b) Prepare, make, or subscribe any false or fraudulent account, certificate, affidavit, or proof of loss, or other document or writing, with intent that it be presented or used in support of such a claim.
(2)(a) Except as provided in (b) of this subsection, a violation of this section is a gross misdemeanor.
(b) If the claim is in excess of one thousand five hundred dollars, the violation is a class C felony punishable according to chapter 9A.20 RCW.
[ 2003 c 53 § 270; 1990 1st ex.s. c 3 § 11; 1947 c 79 § .30.23; Rem. Supp. 1947 § 45.30.23.]
NOTES:
Intent—Effective date—2003 c 53: See notes following RCW 2.48.180.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.240 - Rate wars prohibited.

RCW 48.30.240
Rate wars prohibited.
(1) Any insurer which precipitates, or aids in precipitating or conducting a rate war and by so doing writes or issues a policy of insurance at a less rate than permitted under its schedules filed with the commissioner, or below the rate deemed by him or her to be proper and adequate to cover the class of risk insured, shall have its certificate of authority to do business in this state suspended until such time as the commissioner is satisfied that it is charging a proper rate of premium.
(2) Any insurer which has precipitated, or aided in precipitating or conducting a rate war for the purpose of punishing or eliminating competitors or stifling competition, or demoralizing the business, or for any other purpose, and has ordered the cancellation or rewriting of policies at a rate lower than that provided by its rating schedules where such rate war is not in operation, and has paid or attempted to pay to the insured any return premiums, on any risk so to be rewritten, on which its appointed insurance producer has received or is entitled to receive a regular commission, such insurer shall not be allowed to charge back to such appointed insurance producer any portion of a commission on the ground that the same has not been earned.
[ 2008 c 217 § 40; 1947 c 79 § .30.24; Rem. Supp. 1947 § 45.30.24.]
NOTES:
Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
2023 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.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.270 - Public building or construction contracts—Surety bonds or insurance—Violations concerning—Exemption.

RCW 48.30.270
Public building or construction contracts—Surety bonds or insurance—Violations concerning—Exemption.
(1) No officer or employee of this state, or of any public agency, public authority or public corporation except a public corporation or public authority created pursuant to agreement or compact with another state, and no person acting or purporting to act on behalf of such officer or employee, or public agency or public authority or public corporation, shall, with respect to any public building or construction contract which is about to be, or which has been competitively bid, require the bidder to make application to, or to furnish financial data to, or to obtain or procure, any of the surety bonds or contracts of insurance specified in connection with such contract, or specified by any law, general, special or local, from a particular insurer, surplus line broker, or insurance producer.
(2) No such officer or employee or any person, acting or purporting to act on behalf of such officer or employee shall negotiate, make application for, obtain or procure any of such surety bonds or contracts of insurance, except contracts of insurance for builder's risk or owner's protective liability, which can be obtained or procured by the bidder, contractor or subcontractor.
(3) This section shall not be construed to prevent the exercise by such officer or employee on behalf of the state or such public agency, public authority, or public corporation of its right to approve the form, sufficiency or manner or execution of the surety bonds or contracts of insurance furnished by the insurer selected by the bidder to underwrite such bonds, or contracts of insurance.
(4) Any provisions in any invitation for bids, or in any of the contract documents, in conflict with this section are declared to be contrary to the public policy of this state.
(5) A violation of this section shall be subject to the penalties provided by RCW 48.01.080.
(6) This section shall not apply to public construction projects, when the actual or estimated aggregate value of the project, exclusive of insurance and surety costs, exceeds two hundred million dollars. For purposes of applying the two hundred million dollar threshold set forth in this subsection, the term "public construction project" means a project that has a public owner and has phases, segments, or component parts relating to a common geographic site or public transportation system, but does not include the aggregation of unrelated construction projects.
(7) The exclusions specified in subsection (6) of this section do not apply to surety bonds.
[ 2009 c 162 § 26; 2008 c 217 § 42; 2005 c 352 § 1; (2003 c 323 § 2 repealed by 2005 c 352 § 2); 2003 c 323 § 1. Prior: 2000 2nd sp.s. c 4 § 33; 2000 c 143 § 2; 1983 2nd ex.s. c 1 § 6; 1967 ex.s. c 12 § 3.]
NOTES:
Effective date—2009 c 162: See note following RCW 48.03.020.
Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
2023 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.
2023 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.]
2023 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.]
2023 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.]
2023 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.]
2023 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.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.30 - Unfair Practices and Frauds. › 48.30.360 - Performance standards—Premiums—Application—Rules.

RCW 48.30.360
Performance standards—Premiums—Application—Rules.
(1) For purposes of this section, "performance standard" means a contractual provision in a group insurance contract that establishes a specific standard for the insurer's or health carrier's performance of an obligation in the contract, and under which the insurer or health carrier is required to remit a penalty payment, based on a percentage of the premium or a set dollar amount, to the group policyholder for the next policy term if the insurer or health carrier fails to comply with the standard. Group policyholders and insurers or health carriers may calculate the amount of the penalty based on a percentage of the overall premium owed to the insurer or health carrier by the policyholder.
(2) Remittance of a performance payment to the group policyholder in compliance with this section does not constitute a premium under RCW 48.18.170 and 48.43.005. Nothing in this section prevents the health care authority from including performance standards in contracts.
(3) If a group insurance contract includes any performance standards, the insurer or health carrier must describe the performance standards in the group insurance contract and file the contract with the commissioner.
(4) Remittance of a performance payment to the group policyholder in compliance with this section must not be considered a return premium for purposes of RCW 48.14.020 and 48.14.0201.
(5) This section does not apply to small groups as defined in RCW 48.43.005.
(6) The commissioner may adopt rules to implement this section.
(7) For the purposes of this section, "health carrier" has the meaning provided in RCW 48.43.005.
[ 2022 c 13 § 2.]
NOTES:
Intent—2022 c 13: "The legislature intends to align the insurance code and performance-based contracting to ensure the continued practice of using performance standards and performance guarantees in group insurance contracts, including those entered into by the health care authority." [ 2022 c 13 § 1.]
2023 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.]