reglab/statecodes huggingface dataset:
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.17 - Insurance Producers, Title Insurance Agents, and Adjusters. › 48.17.902 - Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.

RCW 48.17.902
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 § 113.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.010 - Scope of chapter.

RCW 48.18.010
Scope of chapter.
This chapter applies to insurances other than ocean marine and foreign trade insurances.
[ 2005 c 337 § 2; 1947 c 79 § .18.01; Rem. Supp. 1947 § 45.18.01.]
NOTES:
Finding—Intent—2005 c 337: See note following RCW 48.18.030.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.020 - Power to contract.

RCW 48.18.020
Power to contract.
(1) Any person eighteen years or older shall be considered of full legal age and may contract for or with respect to insurance. Any person seventeen years or younger shall be considered a minor for purposes of Title 48 RCW.
(2) A minor not less than fifteen years of age as at nearest birthday may, notwithstanding such minority, contract for life or disability insurance on his or her own life or body, for his or her own benefit or for the benefit of his or her father, mother, spouse, child, brother, sister, or grandparent, and may exercise all rights and powers with respect to or under the contract as though of full legal age, and may surrender his or her interest therein and give a valid discharge for any benefit accruing or money payable thereunder. The minor shall not, by reason of his minority, be entitled to rescind, avoid, or repudiate the contract, or any exercise of a right or privilege thereunder, except, that such minor, not otherwise emancipated, shall not be bound by any unperformed agreement to pay, by promissory note or otherwise any premium on any such insurance contract.
[ 2009 c 549 § 7064; 1973 1st ex.s. c 163 § 2; 1970 ex.s. c 17 § 4; 1947 c 79 § .18.02; Rem. Supp. 1947 § 45.18.02.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.040 - Insurable interest—Property insurances.

RCW 48.18.040
Insurable interest—Property insurances.
(1) No contract of insurance on property or of any interest therein or arising therefrom shall be enforceable except for the benefit of persons having an insurable interest in the things insured.
(2) "Insurable interest" as used in this section means any lawful and substantial economic interest in the safety or preservation of the subject of the insurance free from loss, destruction, or pecuniary damage.
[1947 c 79 § .18.04; Rem. Supp. 1947 § 45.18.04.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.050 - Named insured—Interest insured.

RCW 48.18.050
Named insured—Interest insured.
When the name of a person intended to be insured is specified in the policy, such insurance can be applied only to his or her own proper interest. This section shall not apply to life and disability insurances.
[ 2009 c 549 § 7065; 1947 c 79 § .18.05; Rem. Supp. 1947 § 45.18.05.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.060 - Application—Consent—When required.

RCW 48.18.060
Application—Consent—When required.
A life or disability insurance contract upon an individual may not be made or take effect unless at the time the contract is made the individual insured applies for or consents to the contract in writing, except in the following cases:
(1) A spouse may insure the life of the other spouse.
(2) Any person having an insurable interest in the life of a minor, or any person upon whom a minor is dependent for support and maintenance, may insure the life of the minor.
(3) A contract of group or blanket disability insurance may be effectuated upon an individual.
(4) A contract of group life insurance may be effectuated upon an individual, except as otherwise provided in RCW 48.18.580.
[ 2005 c 337 § 5; 1947 c 79 § .18.06; Rem. Supp. 1947 § 45.18.06.]
NOTES:
Finding—Intent—2005 c 337: See note following RCW 48.18.030.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.070 - Alteration of application.

RCW 48.18.070
Alteration of application.
(1) Any application for insurance in writing by the applicant shall be altered solely by the applicant or by his or her written consent, except that insertions may be made by the insurer for administrative purposes only in such manner as to indicate clearly that such insertions are not to be ascribed to the applicant. Violation of this provision shall be a misdemeanor.
(2) Any insurer issuing an insurance contract upon such an application unlawfully altered by its officer, employee, or agent shall not have available in any action arising out of such contract, any defense which is based upon the fact of such alteration, or as to any item in the application which was so altered.
[ 2009 c 549 § 7066; 1947 c 79 § .18.07; Rem. Supp. 1947 § 45.18.07.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.080 - Application as evidence.

RCW 48.18.080
Application as evidence.
(1) No application for the issuance of any insurance policy or contract shall be admissible in evidence in any action relative to such policy or contract, unless a true copy of the application was attached to or otherwise made a part of the policy when issued and delivered. This provision shall not apply to policies or contracts of industrial life insurance.
(2) If any policy of life or disability insurance delivered in this state is reinstated or renewed, and the insured or the beneficiary or assignee of the policy makes written request to the insurer for a copy of the application, if any, for such reinstatement or renewal, the insurer shall, within fifteen days after receipt of such request at its home office or at any of its branch offices, deliver or mail to the person making such request, a copy of such application. If such copy is not so delivered or mailed, the insurer shall be precluded from introducing the application as evidence in any action or proceeding based upon or involving the policy or its reinstatement or renewal.
[1947 c 79 § .18.08; Rem. Supp. 1947 § 45.18.08.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.090 - Warranties and misrepresentations, effect of.

RCW 48.18.090
Warranties and misrepresentations, effect of.
(1) Except as provided in subsection (2) of this section, no oral or written misrepresentation or warranty made in the negotiation of an insurance contract, by the insured or in his or her behalf, shall be deemed material or defeat or avoid the contract or prevent it attaching, unless the misrepresentation or warranty is made with the intent to deceive.
(2) In any application for life or disability insurance made in writing by the insured, all statements therein made by the insured shall, in the absence of fraud, be deemed representations and not warranties. The falsity of any such statement shall not bar the right to recovery under the contract unless such false statement was made with actual intent to deceive or unless it materially affected either the acceptance of the risk or the hazard assumed by the insurer.
[ 2009 c 549 § 7067; 1947 c 79 § .18.09; Rem. Supp. 1947 § 45.18.09.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.103 - Forms of commercial property casualty policies—Legislative intent—Issuance prior to filing—Disapproval by commissioner—Definition.

RCW 48.18.103
Forms of commercial property casualty policies—Legislative intent—Issuance prior to filing—Disapproval by commissioner—Definition.
(1) It is the intent of the legislature to assist the purchasers of commercial property casualty insurance by allowing policies to be issued more expeditiously and provide a more competitive market for forms.
(2) Commercial property casualty policies may be issued prior to filing the forms.
(3) All commercial property casualty forms must be filed with the commissioner within thirty days after an insurer issues any policy using them. This subsection does not apply to:
(a) Types or classes of forms that the commissioner exempts from filing by rule; and
(b) Manuscript policies, riders, or endorsements of unique character designed for and used with relation to insurance upon a particular subject.
(4) If, within thirty days after a commercial property casualty form has been filed, the commissioner finds that the form does not meet the requirements of this chapter, the commissioner shall disapprove the form and give notice to the insurer or rating organization that made the filing, specifying how the form fails to meet the requirements and stating when, within a reasonable period thereafter, the form shall be deemed no longer effective. The commissioner may extend the time for review an additional fifteen days by giving notice to the insurer prior to the expiration of the original thirty-day period.
(5) Upon a final determination of a disapproval of a policy form under subsection (4) of this section, the insurer must amend any previously issued disapproved form by endorsement to comply with the commissioner's disapproval.
(6) For purposes of this section, "commercial property casualty" means insurance pertaining to a business, profession, occupation, nonprofit organization, or public entity for the lines of property and casualty insurance defined in RCW 48.11.040, 48.11.050, 48.11.060, or 48.11.070, but does not mean medical malpractice insurance or portable electronics insurance as defined in RCW 48.120.005.
(7) Except as provided in subsection (5) of this section, the disapproval shall not affect any contract made or issued prior to the expiration of the period set forth in the notice of disapproval.
(8) Every member or subscriber to a rating organization must adhere to the form filings made on its behalf by the organization. An insurer may deviate from forms filed on its behalf by an organization only if the insurer files the forms with the commissioner in accordance with this chapter.
(9) In the event a hearing is held on the actions of the commissioner under subsection (4) of this section, the burden of proof shall be on the commissioner.
[ 2013 c 152 § 1; 2006 c 8 § 215; 2005 c 223 § 9; 2003 c 248 § 4; 1997 c 428 § 1.]
NOTES:
Findings—Intent—Part headings and subheadings not law—Severability—2006 c 8: See notes following RCW 5.64.010.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.110 - Grounds for disapproval.

RCW 48.18.110
Grounds for disapproval.
(1) The commissioner shall disapprove any such form of policy, application, rider, or endorsement, or withdraw any previous approval thereof, only:
(a) If it is in any respect in violation of or does not comply with this code or any applicable order or regulation of the commissioner issued pursuant to the code; or
(b) If it does not comply with any controlling filing theretofore made and approved; or
(c) If it contains or incorporates by reference any inconsistent, ambiguous or misleading clauses, or exceptions and conditions which unreasonably or deceptively affect the risk purported to be assumed in the general coverage of the contract; or
(d) If it has any title, heading, or other indication of its provisions which is misleading; or
(e) If purchase of insurance thereunder is being solicited by deceptive advertising.
(2) In addition to the grounds for disapproval of any such form as provided in subsection (1) of this section, the commissioner may disapprove any form of disability insurance policy if the benefits provided therein are unreasonable in relation to the premium charged. Rates, or any modification of rates effective on or after July 1, 2008, for individual health benefit plans may not be used until sixty days after they are filed with the commissioner. If the commissioner does not disapprove a rate filing within sixty days after the insurer has filed the documents required in RCW 48.20.025(2) and any rules adopted pursuant thereto, the filing shall be deemed approved.
[ 2008 c 303 § 1; 2000 c 79 § 2; 1985 c 264 § 9; 1982 c 181 § 9; 1947 c 79 § .18.11; Rem. Supp. 1947 § 45.18.11.]
NOTES:
Effective date—Severability—2000 c 79: See notes following RCW 48.04.010.
Severability—1982 c 181: See note following RCW 48.03.010.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.120 - Standard forms.

RCW 48.18.120
Standard forms.
(1) The commissioner shall, after hearing, from time to time promulgate such rules and regulations as may be necessary to define and effect reasonable uniformity in all basic contracts of fire insurance which are commonly known as the standard form fire policies and may be so referred to in this code, and the usual supplemental coverages, riders, or endorsements thereon or thereto, to the end that such definitions shall be applied in the construction of the various sections of this code wherein such terms are used and that there be a reasonable concurrency of contract where two or more insurers insure the same subject and risk. All such forms heretofore approved by the commissioner and for use as of immediately prior to the effective date of this code, may continue to be so used until the further order of the commissioner made pursuant to this subsection or pursuant to any other provision of this code.
(2) The commissioner may from time to time, after hearing, promulgate such rules and regulations as he or she deems necessary to establish reasonable minimum standard conditions and terminology for basic benefits to be provided by disability insurance contracts which are subject to chapters 48.20 and 48.21 RCW, for the purpose of expediting his or her approval of such contracts pursuant to this code. No such promulgation shall be inconsistent with standard provisions as required pursuant to RCW 48.18.130, nor contain requirements inconsistent with requirements relative to the same benefit provision as formulated or approved by the National Association of Insurance Commissioners.
[ 2009 c 549 § 7068; 1957 c 193 § 10; 1947 c 79 § .18.12; Rem. Supp. 1947 § 45.18.12.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.125 - Loss payable and mortgagee clauses for property and automobile physical damage insurances—Requirement to use adopted forms.

RCW 48.18.125
Loss payable and mortgagee clauses for property and automobile physical damage insurances—Requirement to use adopted forms.
The commissioner is hereby authorized, and shall within a reasonable time following July 30, 1967, adopt standard forms for loss payable and mortgagee clauses for property and automobile physical damage insurances, pursuant to the procedures set forth in RCW 48.18.120(1). Following the adoption of such forms, no insurer authorized to do business in the state shall use any form other than those so adopted.
[ 1967 ex.s. c 12 § 1.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.130 - Standard provisions.

RCW 48.18.130
Standard provisions.
(1) Insurance contracts shall contain such standard provisions as are required by the applicable chapters of this code pertaining to contracts of particular kinds of insurance. The commissioner may waive the required use of a particular standard provision in a particular insurance contract form if
(a) he or she finds such provision unnecessary for the protection of the insured, and inconsistent with the purposes of the contract, and
(b) the contract is otherwise approved by him or her.
(2) No insurance contract shall contain any provision inconsistent with or contradictory to any such standard provision used or required to be used, but the commissioner may, except as to the standard provisions of individual disability insurance contracts as required under chapter 48.20 RCW, approve any provision which is in his or her opinion more favorable to the insured than the standard provision or optional standard provision otherwise required. No endorsement, rider, or other documents attached to such contract shall vary, extend, or in any respect conflict with any such standard provision, or with any modification thereof so approved by the commissioner as being more favorable to the insured.
(3) In lieu of the standard provisions required by this code for contracts for particular kinds of insurance, substantially similar standard provisions required by the law of a foreign or alien insurer's domicile may be used when approved by the commissioner.
[ 2009 c 549 § 7069; 1947 c 79 § .18.13; Rem. Supp. 1947 § 45.18.13.]
NOTES:
Standard provisions
disability: Chapter 48.20 RCW.
group and blanket disability: Chapter 48.21 RCW.
group life and annuities: Chapter 48.24 RCW.
industrial life: Chapter 48.25 RCW.
life insurance and annuities: Chapter 48.23 RCW.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.140 - Contents of policies in general.

RCW 48.18.140
Contents of policies in general.
(1) The written instrument, in which a contract of insurance is set forth, is the policy.
(2) A policy shall specify:
(a) The names of the parties to the contract. The insurer's name shall be clearly shown in the policy.
(b) The subject of the insurance.
(c) The risk insured against.
(d) The time at which the insurance thereunder takes effect and the period during which the insurance is to continue.
(e) A statement of the premium, and if other than life, disability, or title insurance, the premium rate where applicable.
(f) The conditions pertaining to the insurance.
(3) If under the contract the exact amount of premiums is determinable only at termination of the contract, a statement of the basis and rates upon which the final premium is to be determined and paid shall be specified in the policy.
(4)(a) Periodic payment plans for private passenger automobile insurance shall allow a specific day of the month for a due date for payment of premiums. A late charge may not be required if payment is received within five days of the date payment is due.
(b) The commissioner shall adopt rules to implement this subsection and shall take no disciplinary action against an insurer until ninety days after the effective date of the rule.
(5) This section shall not apply to surety insurance contracts.
[ 2002 c 344 § 1; 1989 c 25 § 2; 1957 c 193 § 11; 1947 c 79 § .18.14; Rem. Supp. 1947 § 45.18.14.]
NOTES:
Effective date—1989 c 25: See note following RCW 48.18.100.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.150 - Additional contents.

RCW 48.18.150
Additional contents.
A policy may contain additional provisions, which are not inconsistent with this code, and which are
(1) required to be so inserted by the laws of the insurer's state of domicile; or
(2) necessary, on account of the manner in which the insurer is constituted or operated, to state the rights and obligations of the parties to the contract.
[1947 c 79 § .18.15; Rem. Supp. 1947 § 45.18.15.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.160 - Charter or bylaw provisions.

RCW 48.18.160
Charter or bylaw provisions.
No policy shall contain any provision purporting to make any portion of the charter, bylaws, or other constituent document of the insurer a part of the contract unless such portion is set forth in full in the policy. Any policy provision in violation of this section shall be invalid.
[1947 c 79 § .18.16; Rem. Supp. 1947 § 45.18.16.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.170 - "Premium" defined.

RCW 48.18.170
"Premium" defined.
"Premium" as used in this code means all sums charged, received, or deposited as consideration for an insurance contract or the continuance thereof. "Premium" does not include a regulatory surcharge imposed by RCW 48.02.190, except as otherwise provided in this section. Any assessment, or any "membership," "policy," "survey," "inspection," "service" or similar fee or charge made by the insurer in consideration for an insurance contract is deemed part of the premium.
[ 2007 c 153 § 1; 1947 c 79 § .18.17; Rem. Supp. 1947 § 45.18.17.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.180 - Stated premium must include all charges.

RCW 48.18.180
Stated premium must include all charges.
(1) The premium stated in the policy shall be inclusive of all fees, charges, premiums, or other consideration charged for the insurance or for the procurement thereof.
(2) No insurer or its officer, employee, appointed insurance producer, or other representative shall charge or receive any fee, compensation, or consideration for insurance which is not included in the premium specified in the policy.
(3) Each violation of this section is a gross misdemeanor.
(4) This section does not apply to:
(a) A fee paid to an insurance producer by an insured as provided in RCW 48.17.270; or
(b) A regulatory surcharge imposed by RCW 48.02.190.
[ 2008 c 217 § 13; 2007 c 153 § 2; 1994 c 203 § 2; 1947 c 79 § .18.18; Rem. Supp. 1947 § 45.18.18.]
NOTES:
Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.190 - Policy must contain entire contract.

RCW 48.18.190
Policy must contain entire contract.
No agreement in conflict with, modifying, or extending any contract of insurance shall be valid unless in writing and made a part of the policy.
[1947 c 79 § .18.19; Rem. Supp. 1947 § 45.18.19.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.200 - Limiting actions, jurisdiction.

RCW 48.18.200
Limiting actions, jurisdiction.
(1) Except as provided by subsection (3) of this section, no insurance contract delivered or issued for delivery in this state and covering subjects located, resident, or to be performed in this state, shall contain any condition, stipulation, or agreement
(a) requiring it to be construed according to the laws of any other state or country except as necessary to meet the requirements of the motor vehicle financial responsibility laws of such other state or country; or
(b) depriving the courts of this state of the jurisdiction of action against the insurer; or
(c) limiting right of action against the insurer to a period of less than one year from the time when the cause of action accrues in connection with all insurances other than property and marine and transportation insurances. In contracts of property insurance, or of marine and transportation insurance, such limitation shall not be to a period of less than one year from the date of the loss.
(2) Any such condition, stipulation, or agreement in violation of this section shall be void, but such voiding shall not affect the validity of the other provisions of the contract.
(3) For purposes of out-of-network payment disputes between a health carrier and health care provider covered under the provisions of chapter 48.49 RCW, the arbitration provisions of chapter 48.49 RCW apply.
[ 2019 c 427 § 29; 1947 c 79 § .18.20; Rem. Supp. 1947 § 45.18.20.]
NOTES:
Findings—Intent—Effective date—2019 c 427: See RCW 48.49.003 and 48.49.900.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.210 - Execution of policies.

RCW 48.18.210
Execution of policies.
(1) Every insurance contract shall be executed in the name of and on behalf of the insurer by its officer, employee, or representative duly authorized by the insurer.
(2) A facsimile signature of any such executing officer, employee or representative may be used in lieu of an original signature.
(3) No insurance contract heretofore or hereafter issued and which is otherwise valid shall be rendered invalid by reason of the apparent execution thereof on behalf of the insurer by the imprinted facsimile signature of any individual not authorized so to execute as of the date of the policy, if the policy is countersigned with the original signature of an individual then so authorized to countersign.
[1947 c 79 § .18.21; Rem. Supp. 1947 § 45.18.21.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.220 - Receipt of premium to bind coverage—Contents of receipt.

RCW 48.18.220
Receipt of premium to bind coverage—Contents of receipt.
Where an insurance producer, title insurance agent, or other representative of an insurer receipts premium money at the time that the insurance producer, title insurance agent, or representative purports to bind coverage, the receipt shall state: (a) That it is a binder, (b) a brief description of the coverage bound, and (c) the identity of the insurer in which the coverage is bound. This section does not apply as to life and disability insurances.
[ 2008 c 217 § 14; 1967 ex.s. c 12 § 2.]
NOTES:
Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.230 - Binders—Duration—Premium.

RCW 48.18.230
Binders—Duration—Premium.
(1) A "binder" is used to bind insurance temporarily pending the issuance of the policy. No binder shall be valid beyond the issuance of the policy as to which it was given, or beyond ninety days from its effective date, whichever period is the shorter.
(2) If the policy has not been issued a binder may be extended or renewed beyond such ninety days upon the commissioner's written approval, or in accordance with such rules and regulations relative thereto as the commissioner may promulgate.
(3) Where the premium used in the binder differs from the actual policy premium by less than ten dollars, the insurer shall not be required to notify the insured and may use the actual policy premium.
[ 1996 c 95 § 1; 1947 c 79 § .18.23; Rem. Supp. 1947 § 45.18.23.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.240 - Binders—Insurance producer's or title insurance agent's liability.

RCW 48.18.240
Binders—Insurance producer's or title insurance agent's liability.
The commissioner may suspend or revoke the license of any insurance producer or title insurance agent issuing or purporting to issue any binder as to any insurer named therein as to which he or she is not then authorized so to bind.
[ 2008 c 217 § 15; 1947 c 79 § .18.24; Rem. Supp. 1947 § 45.18.24.]
NOTES:
Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.250 - Underwriters' and combination policies.

RCW 48.18.250
Underwriters' and combination policies.
(1) Two or more authorized insurers may jointly issue, and shall be jointly and severally liable on, an underwriters' policy bearing their names. Any one insurer may issue policies in the name of an underwriter's department and such policies shall plainly show the true name of the insurer.
(2) Two or more authorized insurers may, with the commissioner's approval, issue a combination policy which shall contain provisions substantially as follows:
(a) That the insurers executing the policy shall be severally liable for the full amount of any loss or damage, according to the terms of the policy, or for specified percentages or amounts thereof, aggregating the full amount of insurance under the policy.
(b) That service of process, or of any notice or proof of loss required by such policy, upon any of the insurers executing the policy, shall constitute service upon all such insurers.
(3) This section shall not apply to co-surety obligations.
[1947 c 79 § .18.25; Rem. Supp. 1947 § 45.18.25.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.260 - Delivery of policy.

RCW 48.18.260
Delivery of policy.
(1) Subject to the insurer's requirements as to payment of premium, every policy shall be delivered to the insured or to the person entitled thereto within a reasonable period of time after its issuance.
(2) In event the original policy is delivered or is so required to be delivered to or for deposit with any vendor, mortgagee, or pledgee of any motor vehicle or aircraft, and in which policy any interest of the vendee, mortgagor, or pledgor in or with reference to such vehicle or aircraft is insured, a duplicate of such policy, or memorandum thereof setting forth the type of coverage, limits of liability, premiums for the respective coverages, and duration of the policy, shall be delivered by the vendor, mortgagee, or pledgee to each such vendee, mortgagor, or pledgor named in the policy or coming within the group of persons designated in the policy to be so included. If the policy does not provide coverage of legal liability for injury to persons or damage to the property of third parties, a conspicuous statement of such fact shall be printed, written, or stamped on the face of such duplicate policy or memorandum.
[1947 c 79 § .18.26; Rem. Supp. 1947 § 45.18.26.]
NOTES:
Vehicle seller must furnish buyer itemized statement of insurance and other charges: RCW 46.70.130.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.280 - Renewal of policy.

RCW 48.18.280
Renewal of policy.
Any insurance policy terminating by its terms at a specified expiration date and not otherwise renewable, may be renewed or extended at the option of the insurer and upon a currently authorized policy form and at the premium rate then required therefor for a specific additional period or periods by a certificate or by endorsement of the policy, and without requiring the issuance of a new policy.
[1947 c 79 § .18.28; Rem. Supp. 1947 § 45.18.28.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.289 - Cancellation, nonrenewal, renewal offer—Notice to insurance producer or title insurance agent.

RCW 48.18.289
Cancellation, nonrenewal, renewal offer—Notice to insurance producer or title insurance agent.
Whenever a notice of cancellation or nonrenewal or an offer to renew is furnished to an insured in accord with any provision of this chapter, a copy of such notice or offer shall be provided within five working days to the insurance producer or title insurance agent on the account. When possible, the copy to the insurance producer or title insurance agent may be provided electronically.
[ 2008 c 217 § 16; 2000 c 220 § 1; 1988 c 249 § 1; 1987 c 14 § 1.]
NOTES:
Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
Effective date—1988 c 249: "This act shall take effect September 1, 1988." [ 1988 c 249 § 4.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.293 - Nonliability of commissioner, agents, insurer for information giving reasons for cancellation or refusal to renew—Proof of mailing of notice.

RCW 48.18.293
Nonliability of commissioner, agents, insurer for information giving reasons for cancellation or refusal to renew—Proof of mailing of notice.
(1) There shall be no liability on the part of, and no cause of action of any nature shall arise against, the insurance commissioner, his or her agents, or members of his or her staff, or against any insurer, its authorized representative, its agents, its employees, or any firm, person or corporation furnishing to the insurer information as to reasons for cancellation or refusal to renew, for any statement made by any of them in any written notice of cancellation or refusal to renew, or in any other communications, oral or written, specifying the reasons for cancellation or refusal to renew or the providing of information pertaining thereto, or for statements made or evidence submitted in any hearing conducted in connection therewith.
(2) Proof of mailing of notice of cancellation or refusal to renew or of reasons for cancellation, to the named insured, at the latest address filed with the insurer by or on behalf of the named insured shall be sufficient proof of notice.
[ 2009 c 549 § 7070; 1969 ex.s. c 241 § 21.]
NOTES:
Construction—1969 ex.s. c 241 §§ 19-25: See note following RCW 48.18.291.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.295 - RCW 48.18.290 through 48.18.297 not to prevent cancellation or nonrenewal, when.

RCW 48.18.295
RCW 48.18.290 through 48.18.297 not to prevent cancellation or nonrenewal, when.
Nothing in RCW 48.18.290 through 48.18.297 shall be construed to prevent the cancellation or nonrenewal of any such insurance where:
(1) Such cancellation or nonrenewal is ordered by the commissioner under a statutory delinquency proceeding commenced under the provisions of chapter 48.31 RCW, or
(2) Permission for such cancellation or nonrenewal has been given by the commissioner on a showing that the continuation of such coverage can reasonably be expected to create a condition in the company hazardous to its policyholder, or to its creditors, or to its members, subscribers, or stockholders, or to the public.
[ 1985 c 264 § 21; 1969 ex.s. c 241 § 22; 1967 ex.s. c 95 § 2.]
NOTES:
Application—1985 c 264 §§ 17-22: See note following RCW 48.18.290.
Construction—1969 ex.s. c 241 §§ 19-25: See note following RCW 48.18.291.
Severability—1967 ex.s. c 95: "If any provision of this act, or its application to any person or circumstance is held invalid, the remainder of the act, or the application of the provision to other persons and circumstances is not affected." [ 1967 ex.s. c 95 § 16.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.296 - Contracts to which RCW 48.18.291 through 48.18.297 inapplicable.

RCW 48.18.296
Contracts to which RCW 48.18.291 through 48.18.297 inapplicable.
The provisions of RCW 48.18.291 through 48.18.297 shall not apply to:
(1) Contracts of insurance issued under the assigned risk plan;
(2) Any policy covering garage, automobile sales agency, repair shop, service station, or public parking place operation hazards; and
(3) Contracts of insurance procured under the provisions of chapter 48.15 RCW.
[ 1986 c 287 § 3; 1985 c 264 § 22; 1983 1st ex.s. c 32 § 6; 1969 ex.s. c 241 § 23.]
NOTES:
Application—1985 c 264 §§ 17-22: See note following RCW 48.18.290.
Construction—1969 ex.s. c 241 §§ 19-25: See note following RCW 48.18.291.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.297 - Private passenger automobile defined.

RCW 48.18.297
Private passenger automobile defined.
A private passenger automobile as used in RCW 48.18.291 through 48.18.297 shall mean:
(1) An individually owned motor vehicle of the private passenger or station wagon type that is not used as a public or livery conveyance for passengers, nor rented to others.
(2) Any other individually owned four-wheel motor vehicle with a load capacity of fifteen hundred pounds or less which is not used in the occupation, profession, or business of the insured.
[ 1969 ex.s. c 241 § 24.]
NOTES:
Construction—1969 ex.s. c 241 §§ 19-25: See note following RCW 48.18.291.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.298 - Disability insurance—Refusal to renew by insurer.

RCW 48.18.298
Disability insurance—Refusal to renew by insurer.
No insurer shall refuse to renew any policy of individual disability insurance issued after July 1, 1973 because of a change in the physical or mental condition or health of any person covered thereunder: PROVIDED, That after approval of the insurance commissioner, an insurer may discharge its obligation to renew the contract by obtaining for the insured coverage with another insurer which is comparable in terms of premiums and benefits.
[ 1973 1st ex.s. c 188 § 1.]
NOTES:
Severability—1973 1st ex.s. c 188: "If any provision of this act, or its application to any person or circumstance is held invalid, the remainder of the act, or the application of the provision to other persons or circumstances is not affected." [ 1973 1st ex.s. c 188 § 5.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.299 - Disability insurance—Cancellation by insurer.

RCW 48.18.299
Disability insurance—Cancellation by insurer.
No contract of insurance enumerated in RCW 48.18.298 shall be terminated by cancellation by the insurer during the period of contract except for nonpayment of premium. This section shall not be deemed to affect the right of the insurer to rescind the policy as limited and defined in RCW 48.18.090.
[ 1973 1st ex.s. c 188 § 2.]
NOTES:
Severability—1973 1st ex.s. c 188: See note following RCW 48.18.298.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.300 - Cancellation by insured.

RCW 48.18.300
Cancellation by insured.
(1) Cancellation by the insured of any policy which by its terms is cancellable at the insured's option or of any binder based on such policy may be effected by written notice thereof to the insurer or surrender of the policy or binder for cancellation prior to or on the effective date of such cancellation. In [the] event the policy or binder has been lost or destroyed and cannot be so surrendered, the insurer may in lieu of such surrender accept and in good faith rely upon the insured's written statement setting forth the fact of such loss or destruction.
(2) As soon as possible, and no later than thirty days after the receipt of the notice of cancellation from the policyholder for homeowners', dwelling fire, and private passenger auto insurance, the insurer shall pay to the insured or to the person entitled thereto as shown by the insurer's records, any unearned portion of any premium paid on the policy as computed on the customary short rate or as otherwise specified in the policy: PROVIDED, That the refund of any unearned portion of any premium paid on a contract of dwelling fire insurance, homeowners' insurance, or insurance predicated upon the use of a private passenger automobile (as defined in RCW 48.18.297 and excluding contracts of insurance and policies enumerated in RCW 48.18.296) shall be computed on a pro rata basis and the insurer shall refund not less than ninety percent of any unearned portion not exceeding one hundred dollars, plus ninety-five percent of any unearned portion over one hundred dollars but not exceeding five hundred dollars, and not less than ninety-seven percent of the amount of any unearned portion in excess of five hundred dollars. If the amount of any refund is less than two dollars, no refund need be made. If no premium has been paid on the policy, the insured shall be liable to the insurer for premium for the period during which the policy was in force.
(3) The surrender of a policy to the insurer for any cause by any person named therein as having an interest insured thereunder shall create a presumption that such surrender is concurred in by all persons so named.
(4) This section shall not apply to life insurance policies or to annuity contracts.
[ 1980 c 102 § 8; 1979 ex.s. c 199 § 8; 1955 c 303 § 16; 1947 c 79 § .18.30; Rem. Supp. 1947 § 45.18.30.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.310 - Cancellation by commissioner.

RCW 48.18.310
Cancellation by commissioner.
The commissioner may order the immediate cancellation of any policy the procuring or effectuation of which was accomplished through or accompanied by a violation of this code, except in cases where the policy by its terms is not cancellable by the insurer and the insured did not knowingly participate in any such violation.
[1947 c 79 § .18.31; Rem. Supp. 1947 § 45.18.31.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.320 - Annulment of liability policies.

RCW 48.18.320
Annulment of liability policies.
No insurance contract insuring against loss or damage through legal liability for the bodily injury or death by accident of any individual, or for damage to the property of any person, shall be retroactively annulled by any agreement between the insurer and insured after the occurrence of any such injury, death, or damage for which the insured may be liable, and any such annulment attempted shall be void.
[1947 c 79 § .18.32; Rem. Supp. 1947 § 45.18.32.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.340 - Dividends payable to real party in interest.

RCW 48.18.340
Dividends payable to real party in interest.
(1) Every insurer issuing participating policies, shall pay dividends, unused premium refunds or savings distributed on account of any such policy, only to the real party in interest entitled thereto as shown by the insurer's records, or to any person to whom the right thereto has been assigned in writing of record with the insurer, or given in the policy by such real party in interest.
(2) Any person who is shown by the insurer's records to have paid for his or her own account, or to have been ultimately charged for, the premium for insurance provided by a policy in which another person is the nominal insured, shall be deemed such real party in interest proportionate to premium so paid or so charged. This subsection shall not apply as to any such dividend, refund, or distribution which would amount to less than one dollar.
(3) This section shall not apply to contracts of group life insurance, group annuities, or group disability insurance.
[ 2009 c 549 § 7071; 1947 c 79 § .18.34; Rem. Supp. 1947 § 45.18.34.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.350 - Breach of warranty prior to loss—Effect.

RCW 48.18.350
Breach of warranty prior to loss—Effect.
If any breach of a warranty or condition in any insurance contract occurs prior to a loss under the contract, such breach shall not avoid the contract nor avail the insurer to avoid liability, unless the breach exists at the time of the loss.
[1947 c 79 § .18.35; Rem. Supp. 1947 § 45.18.35.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.360 - Assignment of policies—Life and disability.

RCW 48.18.360
Assignment of policies—Life and disability.
Subject to the terms of the policy relating to its assignment, life insurance policies, other than industrial or group life insurance policies, and disability policies providing benefits for accidental death, whether such policies were heretofore or are hereafter issued, and under the terms of which the beneficiary may be changed upon the sole request of the insured, may be assigned either by pledge or transfer of title, by an assignment executed by the insured alone and delivered to the insurer, whether or not the pledgee or assignee is the insurer. Industrial life insurance policies may be made assignable only to a bank or trust company. Any such assignment shall entitle the insurer to deal with the assignee as the owner or pledgee of the policy in accordance with the terms of the assignment, until the insurer has received at its home office written notice of termination of the assignment or pledge, or written notice by or on behalf of some other person claiming some interest in the policy in conflict with the assignment.
[1947 c 79 § .18.36; Rem. Supp. 1947 § 45.18.36.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.370 - Payment discharges insurer—Life and disability.

RCW 48.18.370
Payment discharges insurer—Life and disability.
Whenever the proceeds of, or payments under a life or disability insurance policy, heretofore or hereafter issued, become payable and the insurer makes payment thereof in accordance with the terms of the policy, or in accordance with any written assignment thereof pursuant to RCW 48.18.360, the person then designated in the policy or by such assignment as being entitled thereto, shall be entitled to receive such proceeds or payments and to give full acquittance therefor, and such payment shall fully discharge the insurer from all claims under the policy unless, before payment is made, the insurer has received at its home office, written notice by or on behalf of some other person that such other person claims to be entitled to such payment or some interest in the policy.
[1947 c 79 § .18.37; Rem. Supp. 1947 § 45.18.37.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.375 - Assignment of interests under group insurance policy.

RCW 48.18.375
Assignment of interests under group insurance policy.
A person whose life is insured under a group insurance policy may, subject and pursuant to the terms of the policy, or pursuant to an arrangement between the insured, the group policyholder and the insurer, assign to any or all his or her spouse, children, parents, or a trust for the benefit of any or all of them, all or any part of his or her incidents of ownership, rights, title, and interests, both present and future, under such policy including specifically, but not by way of limitation, the right to designate a beneficiary or beneficiaries thereunder and the right to have an individual policy issued to him in case of termination of employment or of said group insurance policy. Such an assignment by the insured, made either before or after July 16, 1973, is valid for the purpose of vesting in the assignee, in accordance with any provisions included therein as to the time at which it is to be effective, all of such incidents of ownership, rights, title, and interests so assigned, but without prejudice to the insurer on account of any payment it may make or individual policy it may issue prior to receipt of notice of the assignment. This section acknowledges, declares, and codifies the existing right of assignment of interests under group insurance policies.
[ 2009 c 549 § 7072; 1973 1st ex.s. c 163 § 3.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.390 - Simultaneous deaths—Payment of proceeds—Life insurance.

RCW 48.18.390
Simultaneous deaths—Payment of proceeds—Life insurance.
Where the individual insured and the beneficiary designated in a life insurance policy or policy insuring against accidental death have died and there is not sufficient evidence that they have died otherwise than simultaneously, the proceeds of the policy shall be distributed as if the insured had survived the beneficiary, unless otherwise expressly provided in the policy.
[1947 c 79 § .18.39; Rem. Supp. 1947 § 45.18.39.]
NOTES:
Simultaneous death, uniform act: Chapter 11.05A RCW.