reglab/statecodes huggingface dataset:
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.21 - Group and Blanket Disability Insurance. › 48.21.330 - Nonresident pharmacies.

RCW 48.21.330
Nonresident pharmacies.
For the purposes of this chapter, a nonresident pharmacy is defined as any pharmacy located outside this state that ships, mails, or delivers, in any manner, except when delivered in person to an enrolled participant or his/her representative, controlled substances, legend drugs, or devices into this state.
After October 1, 1991, an insurer providing coverage of prescription drugs from nonresident pharmacies may only provide coverage from licensed nonresident pharmacies. The insurers shall obtain proof of current licensure in conformity with this section and RCW 18.64.350 through 18.64.400 from the nonresident pharmacy and keep that proof of licensure on file.
The department may request from the insurer the proof of current licensure for all nonresident pharmacies through which the insurer is providing coverage for prescription drugs for residents of the state of Washington. This information, which may constitute a full or partial customer list, shall be confidential and exempt from public disclosure, and from the requirements of chapter 42.56 RCW. The board or the department shall not be restricted in the disclosure of the name of a nonresident pharmacy that is or has been licensed under RCW 18.64.360 or 18.64.370 or of the identity of a nonresident pharmacy disciplined under RCW 18.64.350 through 18.64.400.
[ 2005 c 274 § 311; 1991 c 87 § 8.]
NOTES:
Effective date—1991 c 87: See note following RCW 18.64.350.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.21 - Group and Blanket Disability Insurance. › 48.21.370 - Fixed payment insurance—Standard disclosure form.

RCW 48.21.370
Fixed payment insurance—Standard disclosure form.
The commissioner shall adopt rules setting forth the content of a standard disclosure form to be delivered to all applicants for group illness-triggered fixed payment insurance, hospital confinement fixed payment insurance, or other fixed payment insurance. The standard disclosure shall provide information regarding the level, type, and amount of benefits provided and the limitations, exclusions, and exceptions under the policy, as well as additional information to enhance consumer understanding. The disclosure shall specifically disclose that the coverage is not comprehensive in nature and will not cover the cost of most hospital and other medical services. Such disclosure form must be filed for approval with the commissioner prior to use. The standard disclosure form must be provided to the master policyholders at the time of solicitation and completion of the application and to all enrollees at the time of enrollment. All advertising and marketing materials other than the standard disclosure form must be filed with the commissioner at least thirty days prior to use.
[ 2007 c 296 § 4.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.21 - Group and Blanket Disability Insurance. › 48.21.375 - Fixed payment insurance—Benefit restrictions.

RCW 48.21.375
Fixed payment insurance—Benefit restrictions.
Illness-triggered fixed payment insurance, hospital confinement fixed payment insurance, or other fixed payment insurance policies are not considered to provide coverage for hospital or medical expenses or care under this chapter, if the benefits provided are a fixed dollar amount that is paid regardless of the amount charged. The benefits may not be related to, or be a percentage of, the amount charged by the provider of service and must be offered as an independent and noncoordinated benefit with any other health plan as defined in *RCW 48.43.005(19).
[ 2007 c 296 § 5.]
NOTES:
*Reviser's note: RCW 48.43.005 was amended by 2011 c 314 § 3 and by 2011 c 315 § 2, changing subsection (19) to subsection (24). RCW 48.43.005 was subsequently amended by 2012 c 87 § 1, changing subsection (24) to subsection (26). RCW 48.43.005 was subsequently alphabetized pursuant to RCW 1.08.015(2)(k), changing subsection (26) to subsection (27), and effective January 1, 2020, changing subsection (26) to subsection (29). RCW 48.43.005 was alphabetized pursuant to RCW 1.08.015(2)(k), changing subsection (29) to subsection (31).
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.21 - Group and Blanket Disability Insurance. › 48.21.380 - Noninsurance benefits.

RCW 48.21.380
Noninsurance benefits.
(1) A disability insurer may include the following noninsurance benefits as part of a policy or certificate of group disability insurance, with the prior approval of the commissioner and where such benefits bear a reasonable relationship to the disability insurance with which they are intended to be offered:
(a) Will preparation services;
(b) Financial planning and estate planning services;
(c) Probate and estate settlement services;
(d) Grief counseling;
(e) Funeral planning and funeral services, but it must be disclosed that this noninsurance benefit does not constitute an insurance funded prearrangement contract, pursuant to RCW 18.39.255; and
(f) Such other services as the commissioner may identify by rule.
(2) The commissioner may adopt rules to regulate the disclosure of noninsurance benefits permitted under this section, including but not limited to guidelines regarding the coverage provided under the policy or certificate of insurance.
(3) Those providing the services listed in subsection (1) of this section must be appropriately licensed.
(4) This section does not require the commissioner to approve any particular proposed noninsurance benefit. The commissioner may disapprove any proposed noninsurance benefit that the commissioner determines may tend to promote or facilitate the violation of any other section of this title.
(5) This section does not expand, limit, or otherwise affect the authority and ethical obligations of those who are authorized by the state supreme court to practice law in this state. This section does not limit the prohibition against the unauthorized practice of law under chapter 2.48 RCW.
(6) This section does not affect the application of chapter 21.20 RCW.
(7) This section does not affect wellness programs as described in RCW 48.30.140(6).
[ 2017 c 32 § 2; 2016 c 143 § 2.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.21 - Group and Blanket Disability Insurance. › 48.21.900 - Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.

RCW 48.21.900
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 § 116.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.21A - Disability Insurance—Extended Health. › 48.21A.010 - Declaration of purpose.

RCW 48.21A.010
Declaration of purpose.
It is the purpose of this chapter to provide a means of more adequately meeting the needs of persons who are sixty-five years of age or older and their spouses for insurance coverage against financial loss from accident or disease through the combined resources and experience of a number of insurers; to make possible the fullest extension of such coverage by encouraging insurers to combine their resources and experience and to exercise their collective efforts in the development and offering of policies of such insurance to all applicants; and to regulate the joint activities herein authorized in accordance with the intent of Congress as expressed in the Act of Congress of March 9, 1945 (Public Law 15, 79th Congress), as amended.
[ 1965 ex.s. c 70 § 27.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.21A - Disability Insurance—Extended Health. › 48.21A.020 - Definitions.

RCW 48.21A.020
Definitions.
Wherever used in this chapter, the following terms shall have the meanings hereinafter set forth or indicated, unless the context otherwise requires:
(a) "Association" means a voluntary unincorporated association of insurers formed for the purpose of enabling cooperative action to provide disability insurance in accordance with this chapter in this or any other state having legislation enabling the issuance of insurance of the type provided in this chapter.
(b) "Insurer" means any insurance company which is authorized to transact disability insurance in this state.
(c) "Extended health insurance" means hospital, surgical and medical expense insurance provided by a policy issued as provided by this chapter.
[ 1965 ex.s. c 70 § 28.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.21A - Disability Insurance—Extended Health. › 48.21A.030 - Insurers may join—Policyholder—Reduced benefit provision—Master group policy—Offering—Cancellation.

RCW 48.21A.030
Insurers may join—Policyholder—Reduced benefit provision—Master group policy—Offering—Cancellation.
Notwithstanding any other provision of this code or any other law which may be inconsistent herewith, any insurer may join with one or more other insurers, to plan, develop, underwrite, and offer and provide to any person who is sixty-five years of age or older and to the spouse of such person, extended health insurance against financial loss from accident or disease, or both. Such insurance may be offered, issued and administered jointly by two or more insurers by a group policy issued to a policyholder through an association formed for the purpose of offering, selling, issuing and administering such insurance. The policyholder may be an association, a trustee, or any other person. Any such policy may provide, among other things, that the benefits payable thereunder are subject to reduction if the individual insured has any other coverage providing hospital, surgical or medical benefits whether on an indemnity basis or a provision of service basis resulting in such insured being eligible for more than one hundred percent of covered expenses which he or she is required to pay, and any insurer issuing individual policies providing extended hospital, surgical or medical benefits to persons sixty-five years of age and older and their spouses may also use such a policy provision. A master group policy issued to an association or to a trustee or any person appointed by an association for the purpose of providing the insurances described in this section shall be another form of group disability insurance.
Any form of policy approved by the commissioner for an association shall be offered throughout Washington to all persons sixty-five and older and their spouses, and the coverage of any person insured under such a form of policy shall not be cancellable except for nonpayment of premiums unless the coverage of all persons insured under such form of policy is also canceled.
[ 2009 c 549 § 7104; 1965 ex.s. c 70 § 29.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.21A - Disability Insurance—Extended Health. › 48.21A.040 - Insurance producers.

RCW 48.21A.040
Insurance producers.
Any person licensed to transact disability insurance as an insurance producer may transact extended health insurance and may be paid a commission thereon.
[ 2008 c 217 § 25; 1965 ex.s. c 70 § 30.]
NOTES:
Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.21A - Disability Insurance—Extended Health. › 48.21A.050 - Powers and duties of associations.

RCW 48.21A.050
Powers and duties of associations.
Any association formed for the purposes of this chapter may hold title to property, may enter into contracts, and may limit the liability of its members to their respective pro rata shares of the liability of such association. Any such association may sue and be sued in its associate name and for such purpose only shall be treated as a domestic corporation. Service of process against such association, made upon a managing agent, any member thereof or any agent authorized by appointment to receive service of process, shall have the same force and effect as if such service had been made upon all members of the association. Such association's books and records shall also be subject to examination under the provisions of RCW 48.03.010 through 48.03.070, inclusive, either separately or concurrently with examination of any of its member insurers.
[ 1983 c 3 § 151; 1965 ex.s. c 70 § 31.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.21A - Disability Insurance—Extended Health. › 48.21A.070 - Documents to be filed—Deceptive name or advertising.

RCW 48.21A.070
Documents to be filed—Deceptive name or advertising.
The articles of association of any association formed in accordance with this chapter, all amendments and supplements thereto, a designation in writing of a resident of this state as agent for the service of process, and a list of insurers who are members of the association and all supplements thereto shall be filed with the commissioner.
The name of any association or any advertising or promotional material used in connection with extended health insurance to be sold, offered, or issued, pursuant to this chapter shall not be such as to mislead or deceive the public.
[ 1965 ex.s. c 70 § 33.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.21A - Disability Insurance—Extended Health. › 48.21A.080 - Remedies.

RCW 48.21A.080
Remedies.
No act done, action taken or agreement made pursuant to the authority conferred by this chapter shall constitute a violation of or grounds for prosecution or civil proceedings under any other law of this state heretofore or hereafter enacted which does not specifically refer to insurance.
[ 1965 ex.s. c 70 § 34.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.21A - Disability Insurance—Extended Health. › 48.21A.900 - Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.

RCW 48.21A.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 § 117.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.22 - Casualty Insurance. › 48.22.020 - Assigned risk plans.

RCW 48.22.020
Assigned risk plans.
The commissioner shall after consultation with the insurers licensed to write motor vehicle liability insurance in this state, approve a reasonable plan or plans for the equitable apportionment among such insurers of applicants for such insurance who are in good faith entitled to but are unable to procure insurance through ordinary methods and, when such plan has been approved, all such insurers shall subscribe thereto and shall participate therein. Any applicant for such insurance, any person insured under such plan and any insurer affected may appeal to the commissioner from any ruling or decision of the manager or committee designated to operate such plan.
[1947 c 79 § .22.02; Rem. Supp. 1947 § 45.22.02.]
NOTES:
Rate modifications for assigned risks: RCW 48.19.400.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.22 - Casualty Insurance. › 48.22.040 - Underinsured motor vehicle coverage where liability insurer is insolvent—Extent of coverage—Rights of insurer upon making payment.

RCW 48.22.040
Underinsured motor vehicle coverage where liability insurer is insolvent—Extent of coverage—Rights of insurer upon making payment.
(1) The term "underinsured motor vehicles" with reference to coverage offered under any insurance policy regulated under this chapter shall, subject to the terms and conditions of such coverage, be deemed to include an insured motor vehicle where the liability insurer thereof is unable to make payment with respect to the legal liability of its insured within the limits specified therein because of insolvency.
(2) An insurer's insolvency protection shall be applicable only to accidents occurring during a policy period in which its insured's underinsured motorist coverage is in effect where the liability insurer of the tort-feasor becomes insolvent within three years after such an accident. Nothing herein contained shall be construed to prevent any insurer from affording insolvency protection under terms and conditions more favorable to its insureds than is provided hereunder.
(3) In the event of payment to an insured under the coverage required by this chapter and subject to the terms and conditions of such coverage, the insurer making such payment shall, to the extent thereof, be entitled to the proceeds of any settlement or judgment resulting from the exercise of any rights of recovery of such insured against any person or organization legally responsible for the bodily injury, death, or property damage for which such payment is made, including the proceeds recoverable from the assets of the insolvent insurer. Whenever an insurer shall make payment under the coverage required by this section and which payment is occasioned by an insolvency, such insurer's right of recovery or reimbursement shall not include any rights against the insured of said insolvent insurer for any amounts which would have been paid by the insolvent insurer. Such paying insurer shall have the right to proceed directly against the insolvent insurer or its receiver, and in pursuance of such right such paying insurer shall possess any rights which the insured of the insolvent company might otherwise have had, if the insured of the insolvent insurer had personally made the payment.
[ 1983 c 182 § 2; 1980 c 117 § 2; 1967 ex.s. c 95 § 3.]
NOTES:
Severability—1983 c 182: See note following RCW 48.22.030.
Effective date—1980 c 117: See note following RCW 48.22.030.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.22 - Casualty Insurance. › 48.22.050 - Market assistance plans.

RCW 48.22.050
Market assistance plans.
The commissioner shall by regulation require insurers authorized to write casualty insurance in this state to form a market assistance plan to assist persons and other entities unable to purchase casualty insurance in an adequate amount from either the admitted market or nonadmitted market.
For the purpose of this section, a market assistance plan means a voluntary mechanism by insurers writing casualty insurance in this state in either the admitted or nonadmitted market to provide casualty insurance for a class of insurance designated in writing to the plan by the commissioner.
The bylaws and method of operation of any market assistance plan shall be approved by the commissioner prior to its operation.
A market assistance plan shall have a minimum of twenty-five insurers willing to insure risks within the class designated by the commissioner. If twenty-five insurers do not voluntarily agree to participate, the commissioner may require casualty insurers to participate in a market assistance plan as a condition of continuing to do business in this state. The commissioner shall make such a requirement to fulfill the quota of at least twenty-five insurers. The commissioner shall make his or her designation on the basis of the insurer's premium volume of casualty insurance in this state.
[ 1986 c 305 § 906.]
NOTES:
Preamble—Report to legislature—Applicability—Severability—1986 c 305: See notes following RCW 4.16.160.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.22 - Casualty Insurance. › 48.22.060 - Debt and financing coverage.

RCW 48.22.060
Debt and financing coverage.
Every insurer that writes collision and comprehensive coverage for loss or damage to "private passenger automobiles" or "motor homes," as those terms are defined in RCW 48.18.297 and 46.04.305, respectively, shall provide, upon the insured's request, coverage that will pay, in the event of total loss, an amount, in excess of the actual cash value of the vehicle, sufficient to satisfy any outstanding indebtedness secured by and incurred in conjunction with the financing of the purchase of a new private passenger automobile or motor home.
Nothing in this section prohibits an insurer from denying or excluding such coverage where the insured or someone acting on the insured's behalf acts in a fraudulent manner to obtain or file a claim under such coverage.
[ 1988 c 248 § 16; 1987 c 240 § 1.]
NOTES:
Effective date—1987 c 240: "The effective date of this act is January 1, 1988." [ 1987 c 240 § 2.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.22 - Casualty Insurance. › 48.22.080 - Health care liability risk management training program.

RCW 48.22.080
Health care liability risk management training program.
Effective July 1, 1994, a casualty insurer's issuance of a new medical malpractice policy or renewal of an existing medical malpractice policy to a physician or other independent health care practitioner shall be conditioned upon that practitioner's participation in, and completion of, an insurer-designed health care liability risk management training program once every three years. Completion of said training program during 1994 shall satisfy the first three-year training requirement. The risk management training shall provide information related to avoiding adverse health outcomes resulting from substandard practice and minimizing damages associated with the adverse health outcomes that do occur. For purposes of this section, "independent health care practitioners" means those health care practitioner licensing classifications designated by the department of health in rule pursuant to *RCW 18.130.330.
[ 1994 c 102 § 2; 1993 c 492 § 413.]
NOTES:
*Reviser's note: RCW 18.130.330 was repealed by 1995 c 265 § 27, effective July 1, 1995.
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 48.22 - Casualty Insurance. › 48.22.085 - Automobile liability insurance policy—Optional coverage for personal injury protection—Rejection by insured.

RCW 48.22.085
Automobile liability insurance policy—Optional coverage for personal injury protection—Rejection by insured.
(1) No new automobile liability insurance policy or renewal of such an existing policy may be issued unless personal injury protection coverage is offered as an optional coverage.
(2) A named insured may reject, in writing, personal injury protection coverage and the requirements of subsection (1) of this section shall not apply. If a named insured rejects personal injury protection coverage:
(a) That rejection is valid and binding as to all levels of coverage and on all persons who might have otherwise been insured under such coverage; and
(b) The insurer is not required to include personal injury protection coverage in any supplemental, renewal, or replacement policy unless a named insured subsequently requests such coverage in writing.
(3) The coverage under this section may be excluded as provided for under *RCW 48.177.010(6).
[ 2015 c 236 § 8; 2003 c 115 § 2; 1993 c 242 § 2.]
NOTES:
*Reviser's note: RCW 48.177.010 was recodified as RCW 46.72B.180 pursuant to 2022 c 281 § 35.
Severability—Effective date—1993 c 242: See notes following RCW 48.22.005.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.22 - Casualty Insurance. › 48.22.090 - Personal injury protection coverage—Exceptions.

RCW 48.22.090
Personal injury protection coverage—Exceptions.
An insurer is not required to provide personal injury protection coverage to or on behalf of:
(1) A person who intentionally causes injury to himself or herself;
(2) A person who is injured while participating in a prearranged or organized racing or speed contest or in practice or preparation for such a contest;
(3) A person whose bodily injury is due to war, whether or not declared, or to an act or condition incident to such circumstances;
(4) A person whose bodily injury results from the radioactive, toxic, explosive, or other hazardous properties of nuclear material;
(5) The named insured or a relative while occupying a motor vehicle owned by the named insured or furnished for the named insured's regular use, if such motor vehicle is not described on the declaration page of the policy under which a claim is made;
(6) A relative while occupying a motor vehicle owned by the relative or furnished for the relative's regular use, if such motor vehicle is not described on the declaration page of the policy under which a claim is made; or
(7) An insured whose bodily injury results or arises from the insured's use of an automobile in the commission of a felony.
[ 2003 c 115 § 3; 1993 c 242 § 3.]
NOTES:
Severability—Effective date—1993 c 242: See notes following RCW 48.22.005.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.22 - Casualty Insurance. › 48.22.095 - Automobile insurance policies—Minimum personal injury protection coverage.

RCW 48.22.095
Automobile insurance policies—Minimum personal injury protection coverage.
(1) Insurers providing automobile insurance policies must offer minimum personal injury protection coverage for each insured with benefit limits as follows:
(a) Medical and hospital benefits of ten thousand dollars;
(b) A funeral expense benefit of two thousand dollars;
(c) Income continuation benefits of ten thousand dollars, subject to a limit of two hundred dollars per week; and
(d) Loss of services benefits of five thousand dollars, subject to a limit of two hundred dollars per week.
(2) The coverage under this section may be excluded as provided for under *RCW 48.177.010(6).
[ 2015 c 236 § 9; 2003 c 115 § 4; 1993 c 242 § 4.]
NOTES:
*Reviser's note: RCW 48.177.010 was recodified as RCW 46.72B.180 pursuant to 2022 c 281 § 35.
Severability—Effective date—1993 c 242: See notes following RCW 48.22.005.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.22 - Casualty Insurance. › 48.22.100 - Automobile insurance policies—Personal injury protection coverage—Request by named insured—Benefit limits.

RCW 48.22.100
Automobile insurance policies—Personal injury protection coverage—Request by named insured—Benefit limits.
If requested by a named insured, an insurer providing automobile liability insurance policies must offer personal injury protection coverage for each insured with benefit limits as follows:
(1) Medical and hospital benefits of thirty-five thousand dollars;
(2) A funeral expense benefit of two thousand dollars;
(3) Income continuation benefits of thirty-five thousand dollars, subject to a limit of seven hundred dollars per week; and
(4) Loss of services benefits of fourteen thousand six hundred dollars.
[ 2003 c 115 § 5; 1993 c 242 § 5.]
NOTES:
Severability—Effective date—1993 c 242: See notes following RCW 48.22.005.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.22 - Casualty Insurance. › 48.22.105 - Rule making.

RCW 48.22.105
Rule making.
The commissioner may adopt such rules as are necessary to implement RCW 48.22.005 and 48.22.085 through 48.22.100.
[ 1993 c 242 § 9.]
NOTES:
Severability—1993 c 242: See note following RCW 48.22.005.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.22 - Casualty Insurance. › 48.22.110 - Vendor single-interest or collateral protection coverage—Definitions.

RCW 48.22.110
Vendor single-interest or collateral protection coverage—Definitions.
Unless the context clearly requires otherwise, the definitions in this section apply throughout this section and RCW 48.22.115 through 48.22.135.
(1) "Borrower" means a person who receives a loan or enters into a retail installment contract under chapter 63.14 RCW to purchase a motor vehicle or vessel in which the secured party holds an interest.
(2) "Motor vehicle" means a motor vehicle in this state subject to registration under *chapter 46.16 RCW, except motor vehicles governed by RCW 46.16A.170 or registered with the Washington utilities and transportation commission as common or contract carriers.
(3) "Secured party" means a person, corporation, association, partnership, or venture that possesses a bona fide security interest in a motor vehicle or vessel.
(4) "Vendor single-interest" or "collateral protection coverage" means insurance coverage insuring primarily or solely the interest of a secured party but which may include the interest of the borrower in a motor vehicle or vessel serving as collateral and obtained by the secured party or its agent after the borrower has failed to obtain or maintain insurance coverage required by the financing agreement for the motor vehicle or vessel. Vendor single-interest or collateral protection coverage does not include insurance coverage purchased by a secured party for which the borrower is not charged.
(5) "Vessel" means a vessel as defined in RCW 88.02.310 and includes personal watercraft as defined in RCW 79A.60.010.
[ 2010 c 161 § 1148; 2003 c 248 § 10; 1994 c 186 § 1.]
NOTES:
*Reviser's note: Although directed to be recodified within chapter 46.16 RCW pursuant to chapter 161, Laws of 2010, a majority of chapter 46.16 RCW was recodified under chapter 46.16A RCW pursuant to RCW 1.08.015 (2)(k) and (3).
Effective date—Intent—Legislation to reconcile chapter 161, Laws of 2010 and other amendments made during the 2010 legislative session—2010 c 161: See notes following RCW 46.04.013.
Effective date—1994 c 186 §§ 1-5: "Sections 1 through 5 of this act take effect January 1, 1995." [ 1994 c 186 § 8.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.22 - Casualty Insurance. › 48.22.115 - Vendor single-interest or collateral protection coverage—Warning.

RCW 48.22.115
Vendor single-interest or collateral protection coverage—Warning.
In a contract or loan agreement, or on a separate document accompanying the contract or loan agreement and signed by the borrower, that provides financing for a motor vehicle or vessel and authorizes a secured party to purchase vendor single interest or collateral protection coverage, the following or substantially similar warning must be set forth in ten-point print:
WARNING
UNLESS YOU PROVIDE US WITH EVIDENCE OF THE INSURANCE COVERAGE AS REQUIRED BY OUR LOAN AGREEMENT, WE MAY PURCHASE INSURANCE AT YOUR EXPENSE TO PROTECT OUR INTEREST. THIS INSURANCE MAY, BUT NEED NOT, ALSO PROTECT YOUR INTEREST. IF THE COLLATERAL BECOMES DAMAGED, THE COVERAGE WE PURCHASE MAY NOT PAY ANY CLAIM YOU MAKE OR ANY CLAIM MADE AGAINST YOU. YOU MAY LATER CANCEL THIS COVERAGE BY PROVIDING EVIDENCE THAT YOU HAVE OBTAINED PROPER COVERAGE ELSEWHERE.
YOU ARE RESPONSIBLE FOR THE COST OF ANY INSURANCE PURCHASED BY US. THE COST OF THIS INSURANCE MAY BE ADDED TO YOUR LOAN BALANCE. IF THE COST IS ADDED TO THE LOAN BALANCE, THE INTEREST RATE ON THE UNDERLYING LOAN WILL APPLY TO THIS ADDED AMOUNT. THE EFFECTIVE DATE OF COVERAGE MAY BE THE DATE YOUR PRIOR COVERAGE LAPSED OR THE DATE YOU FAILED TO PROVIDE PROOF OF COVERAGE.
THE COVERAGE WE PURCHASE MAY BE CONSIDERABLY MORE EXPENSIVE THAN INSURANCE YOU CAN OBTAIN ON YOUR OWN AND MAY NOT SATISFY WASHINGTON'S MANDATORY LIABILITY INSURANCE LAWS.
[ 1994 c 186 § 2.]
NOTES:
Effective date—1994 c 186 §§ 1-5: See note following RCW 48.22.110.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.22 - Casualty Insurance. › 48.22.125 - Vendor single-interest or collateral protection coverage—Cancellation when borrower has obtained insurance—Interest rate for financing.

RCW 48.22.125
Vendor single-interest or collateral protection coverage—Cancellation when borrower has obtained insurance—Interest rate for financing.
(1) The secured party shall cancel vendor single interest or collateral protection coverage charged to the borrower effective the date of receipt of proper evidence from the borrower that the borrower has obtained insurance to protect the secured party's interest. Proper evidence includes an insurance binder that is no older than ninety days from the date of issuance and that contains physical damage coverage as provided in the borrower's loan agreement with respect to the motor vehicle or vessel.
(2) If the underlying loan or extension of credit for the underlying loan is satisfied, the secured party may not require the borrower to maintain vendor single interest or collateral protection coverage that has been purchased.
(3) The interest rate for financing the cost of vendor single interest or collateral protection coverage may not exceed the interest rate applied to the underlying loan obligation.
[ 1994 c 186 § 4.]
NOTES:
Effective date—1994 c 186 §§ 1-5: See note following RCW 48.22.110.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.22 - Casualty Insurance. › 48.22.130 - Vendor single-interest or collateral protection coverage—Canceled or discontinued—Premium refund.

RCW 48.22.130
Vendor single-interest or collateral protection coverage—Canceled or discontinued—Premium refund.
If vendor single interest or collateral protection coverage is canceled or discontinued under RCW 48.22.125 (1) or (2), the amount of unearned premium must be refunded to the borrower. At the option of the secured party, this refund may take the form of a credit against the borrower's obligation to the secured party. If the refund is taken as a credit against the borrower's obligation to the secured party, the secured party shall provide the borrower with an itemized statement that indicates the amount of the credit and where the credit has been applied.
[ 1994 c 186 § 5.]
NOTES:
Effective date—1994 c 186 §§ 1-5: See note following RCW 48.22.110.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.22 - Casualty Insurance. › 48.22.135 - Vendor single-interest or collateral protection coverage—Application.

RCW 48.22.135
Vendor single-interest or collateral protection coverage—Application.
The failure of a secured party prior to January 1, 1995, to provide notice as contemplated in this chapter, or otherwise to administer a vendor single interest or collateral protection coverage program in a manner similar to that required under this chapter, shall not be admissible in any court or arbitration proceeding or otherwise used to prove that a secured party's actions with respect to vendor single interest or collateral protection coverage or similar coverage were unlawful or otherwise improper. A secured party shall not be liable to the borrower or any other party for placing vendor single interest or collateral protection coverage in accordance with the terms of an otherwise legal loan or other written agreement with the borrower entered prior to January 1, 1995. The provisions of this section shall be applicable with respect to actions pending or commenced on or after June 9, 1994.
[ 1994 c 186 § 7.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.22 - Casualty Insurance. › 48.22.140 - Driver's license suspension for nonpayment of child support—Exclusion of unlicensed driver from insurance coverage not applicable—Notation in driving record.

RCW 48.22.140
Driver's license suspension for nonpayment of child support—Exclusion of unlicensed driver from insurance coverage not applicable—Notation in driving record.
In the event that the department of licensing suspends a driver's license solely for the nonpayment of child support as provided in chapter 74.20A RCW or for noncompliance with a *residential or visitation order as provided in chapter 26.09 RCW, any provision in the driver's motor vehicle liability insurance policy excluding insurance coverage for an unlicensed driver shall not apply to the driver for ninety days from the date of suspension. When a driver's license is suspended under chapter 74.20A RCW, the driving record for the suspended driver shall include a notation that explains the reason for the suspension.
[ 1997 c 58 § 808.]
NOTES:
*Reviser's note: 1997 c 58 § 886 requiring a court to order certification of noncompliance with residential provisions of a court-ordered parenting plan was vetoed. Provisions ordering the department of social and health services to certify a responsible parent based on a court order to certify for noncompliance with residential provisions of a parenting plan were vetoed. See RCW 74.20A.320.
Short title—Part headings, captions, table of contents not law—Exemptions and waivers from federal law—Conflict with federal requirements—Severability—1997 c 58: See RCW 74.08A.900 through 74.08A.904.
Effective dates—Intent—1997 c 58: See notes following RCW 74.20A.320.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.22 - Casualty Insurance. › 48.22.900 - Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.

RCW 48.22.900
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 § 118.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.23 - Life Insurance and Annuities. › 48.23.010 - Scope of chapter.

RCW 48.23.010
Scope of chapter.
This chapter applies to contracts of life insurance and annuities other than group life insurance, group annuities, and, except for RCW 48.23.260, 48.23.270, and 48.23.340, other than industrial life insurance. However, Title 48 RCW does not apply to charitable gift annuities issued by a board of a state university, regional university, or a state college, nor to the issuance thereof.
[ 2005 c 223 § 12; 1979 c 130 § 2; 1947 c 79 § .23.01; Rem. Supp. 1947 § 45.23.01.]
NOTES:
Severability—1979 c 130: See note following RCW 28B.10.485.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.23 - Life Insurance and Annuities. › 48.23.020 - Standard provisions required—Life insurance.

RCW 48.23.020
Standard provisions required—Life insurance.
(1) No policy of life insurance other than industrial, group and pure endowments with or without return of premiums or of premiums and interest, shall be delivered or issued for delivery in this state unless it contains in substance all of the provisions required by RCW 48.23.030 to 48.23.130, inclusive. This provision shall not apply to annuity contracts.
(2) Any of such provisions or portions thereof not applicable to single premium or term policies shall to that extent not be incorporated therein.
[1947 c 79 § .23.02; Rem. Supp. 1947 § 45.23.02.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.23 - Life Insurance and Annuities. › 48.23.030 - Grace period.

RCW 48.23.030
Grace period.
There shall be a provision that the insured is entitled to a grace period of one month, but not less than thirty days, within which the payment of any premium after the first may be made, subject at the option of the insurer to an interest charge not in excess of six percent per annum for the number of days of grace elapsing before the payment of the premium, during which period of grace the policy shall continue in force, but in case the policy becomes a claim during the grace period before the overdue premium is paid, or the deferred premiums of the current policy year, if any, are paid, the amount of such premium or premiums with interest thereon may be deducted in any settlement under the policy.
[1947 c 79 § .23.03; Rem. Supp. 1947 § 45.23.03.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.23 - Life Insurance and Annuities. › 48.23.040 - Entire contract—Representations.

RCW 48.23.040
Entire contract—Representations.
In all such policies other than those containing a clause making the policy incontestable from date of issue, there shall be a provision that the policy and the application therefor, if a copy thereof has been endorsed upon or attached to the policy at issue and made a part thereof, shall constitute the entire contract between the parties, and that all statements made by the applicant or by the insured, shall, in the absence of fraud, be deemed representations and not warranties.
[1947 c 79 § .23.04; Rem. Supp. 1947 § 45.23.04.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.23 - Life Insurance and Annuities. › 48.23.050 - Incontestability.

RCW 48.23.050
Incontestability.
There shall be a provision that the policy shall be incontestable after it has been in force during the lifetime of the insured for a period of two years from its date of issue, except for nonpayment of premiums and except, at the option of the insurer, as to provisions relative to benefits in event of total and permanent disability and as to provisions which grant additional insurance specifically against accidental death.
[1947 c 79 § .23.05; Rem. Supp. 1947 § 45.23.05.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.23 - Life Insurance and Annuities. › 48.23.060 - Misstatement of age.

RCW 48.23.060
Misstatement of age.
There shall be a provision that if it is found that the age of the insured (or the age of any other individual considered in determining the premium) has been misstated, the amount payable under the policy shall be such as the premium would have purchased at the correct age or ages, according to the insurer's rate at date of issue.
[1947 c 79 § .23.06; Rem. Supp. 1947 § 45.23.06.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.23 - Life Insurance and Annuities. › 48.23.070 - Participation in surplus.

RCW 48.23.070
Participation in surplus.
(1) In all policies which provide for participation in the insurer's surplus, there shall be a provision that the policy shall so participate annually in the insurer's divisible surplus as apportioned by the insurer, beginning not later than the end of the third policy year. Any policy containing provision for annual participation beginning at the end of the first policy year, may also provide that each dividend shall be paid subject to the payment of the premiums for the next ensuing year. The insured under any annual dividend policy shall have the right each year to have the current dividend arising from such participation either paid in cash, or applied in accordance with such other dividend option as may be specified in the policy and elected by the insured. The policy shall further provide which of the options shall be effective if the insured shall fail to notify the insurer in writing of his or her election within the period of grace allowed for the payment of premium.
(2) This section shall not apply to paid-up nonforfeiture benefits nor paid-up policies issued on default in payment of premiums.
[ 2009 c 549 § 7107; 1947 c 79 § .23.07; Rem. Supp. 1947 § 45.23.07.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.23 - Life Insurance and Annuities. › 48.23.075 - Participation in surplus—Requirements for forms.

RCW 48.23.075
Participation in surplus—Requirements for forms.
(1) Life insurance and annuity policy forms of the following types shall be defined and designated as participating forms of insurance only if they contain a provision for participation in the insurer's surplus, and shall be defined and designated as nonparticipating forms if they do not contain a provision for participation in the insurer's surplus:
(a) Forms which provide that the premium or consideration at the time of issue and subsequent premiums or considerations will be established by the insurer based on current, or then current, projected assumptions for such factors as interest, mortality, persistency, expense, or other factors, subject to a maximum guaranteed premium or premiums set forth in the policy; and
(b) Forms (except those for variable life insurance and variable annuity plans which are subject to chapter 48.18A RCW) which provide that their premiums or considerations are credited to an account to which interest is credited, and from which the cost of any life insurance or annuity benefits or other benefits or specified expenses are deducted.
(2) The commissioner may by regulation further clarify the definitions and requirements contained in subsection (1) of this section, and may classify any other types of forms as participating or nonparticipating, consistent therewith.
[ 1982 c 181 § 19.]
NOTES:
Severability—1982 c 181: See note following RCW 48.03.010.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.23 - Life Insurance and Annuities. › 48.23.090 - Table of values and options.

RCW 48.23.090
Table of values and options.
There shall be a table showing in figures the loan value, if any, and any options available under the policy each year upon default in premium payments, during at least the first twenty years of the policy, or for its life if maturity or expiry occurs in less than twenty years.
[1947 c 79 § .23.09; Rem. Supp. 1947 § 45.23.09.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.23 - Life Insurance and Annuities. › 48.23.100 - Nonforfeiture options.

RCW 48.23.100
Nonforfeiture options.
There shall be a provision specifying the option to which the policyholder is automatically entitled in the absence of the election of other nonforfeiture options upon default in premium payment after nonforfeiture values become available.
[1947 c 79 § .23.10; Rem. Supp. 1947 § 45.23.10.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.23 - Life Insurance and Annuities. › 48.23.110 - Table of installments.

RCW 48.23.110
Table of installments.
If the policy provides for payment of its proceeds in installments or as an annuity, a table showing the amount and period of such installments or annuity shall be included in the policy. Except, that if in the judgment of the commissioner it is not practical to include certain tables in the policy, the requirements of this section may be met as to such policy by the insurer filing such tables with the commissioner.
[1947 c 79 § .23.11; Rem. Supp. 1947 § 45.23.11.]