Chapter 48.18 RCW

THE INSURANCE CONTRACT

Sections

48.18.010Scope of chapter.
48.18.020Power to contract.
48.18.030Insurable interestPersonal insurancesNonprofit organizationsRules.
48.18.040Insurable interestProperty insurances.
48.18.050Named insuredInterest insured.
48.18.060ApplicationConsentWhen required.
48.18.070Alteration of application.
48.18.080Application as evidence.
48.18.090Warranties and misrepresentations, effect of.
48.18.100Forms of policiesFiling, certification, and approvalExceptions.
48.18.103Forms of commercial property casualty policiesLegislative intentIssuance prior to filingDisapproval by commissionerDefinition.
48.18.110Grounds for disapproval.
48.18.120Standard forms.
48.18.125Loss payable and mortgagee clauses for property and automobile physical damage insurancesRequirement to use adopted forms.
48.18.130Standard provisions.
48.18.140Contents of policies in general.
48.18.150Additional contents.
48.18.160Charter or bylaw provisions.
48.18.170"Premium" defined.
48.18.180Stated premium must include all charges.
48.18.190Policy must contain entire contract.
48.18.200Limiting actions, jurisdiction.
48.18.210Execution of policies.
48.18.220Receipt of premium to bind coverageContents of receipt.
48.18.230BindersDurationPremium.
48.18.240BindersInsurance producer's or title insurance agent's liability.
48.18.250Underwriters' and combination policies.
48.18.260Delivery of policy.
48.18.278Terms for cancellation, nonrenewal, or modification of portable electronics policyApplication of RCW 48.18.290 and 48.18.2901 to portable electronics insurance.
48.18.280Renewal of policy.
48.18.289Cancellation, nonrenewal, renewal offerNotice to insurance producer or title insurance agent.
48.18.290Cancellation by insurer.
48.18.2901Renewal requiredExceptions.
48.18.291Cancellation of private automobile insurance by insurerNoticeRequirements.
48.18.292Refusal to renew private automobile insurance by insurerChange in amount of premium or deductibles.
48.18.293Nonliability of commissioner, agents, insurer for information giving reasons for cancellation or refusal to renewProof of mailing of notice.
48.18.295RCW 48.18.290 through 48.18.297 not to prevent cancellation or nonrenewal, when.
48.18.296Contracts to which RCW 48.18.291 through 48.18.297 inapplicable.
48.18.297Private passenger automobile defined.
48.18.298Disability insuranceRefusal to renew by insurer.
48.18.299Disability insuranceCancellation by insurer.
48.18.300Cancellation by insured.
48.18.310Cancellation by commissioner.
48.18.320Annulment of liability policies.
48.18.340Dividends payable to real party in interest.
48.18.350Breach of warranty prior to lossEffect.
48.18.360Assignment of policiesLife and disability.
48.18.370Payment discharges insurerLife and disability.
48.18.375Assignment of interests under group insurance policy.
48.18.390Simultaneous deathsPayment of proceedsLife insurance.
48.18.400Exemption of proceedsDisability.
48.18.410Exemption of proceedsLife.
48.18.420Exemption of proceedsGroup life.
48.18.430Exemption of proceeds, commutationAnnuities.
48.18.440Spouse's rights in life insurance policy.
48.18.450Life insurance payable to trustee named as beneficiary in the policy.
48.18.452Life insurance designating as beneficiary a trustee named by will.
48.18.460Proof of lossFurnishing formsMay require oath.
48.18.470Claims administrationNot waiver.
48.18.480Discrimination prohibited.
48.18.510Validity of noncomplying forms.
48.18.520Construction of policies.
48.18.540Cancellations, denials, refusals to renewWritten notification.
48.18.543Single premium credit insuranceResidential mortgage loanRestrictionsDefinitions.
48.18.545Underwriting restrictions that apply to personal insuranceCredit history or insurance scoreRules.
48.18.547Underwriting restrictions that apply to medical malpractice insuranceRules.
48.18.550Victims of domestic abuseProhibition on certain cancellations, denials, refusals to renew, and different ratesDomestic abuse defined.
48.18.553Victims of malicious harassmentRestrictions of underwriting actionsDefinitions.
48.18.555Property insuranceActions resulting from arson or malicious mischiefDefinitions.
48.18.558Property insurersAssistance to prevent or reduce severity of claims or lossesPrior approval of commissionerPilot program permitted.
48.18.559Property insurersRules addressing assistance to prevent or reduce severity of claims or losses.
48.18.565Homeowner's insuranceFoster parent.
48.18.570Life insuranceLawful travel destinations.
48.18.580Employer-owned life insuranceRequirements.
48.18.583Employer-owned life insuranceApplication to policies.
48.18.586Employer-owned life insuranceRules.
48.18.600Usage-based insuranceRestrictions on information collected.
48.18.610Customer satisfaction benefits.
48.18.900ConstructionChapter applicable to state registered domestic partnerships2009 c 521.

NOTES:

Exemptions of proceeds of insurance on exempt property: RCW 6.15.030.
False claims or proof: RCW 48.30.230.
Misrepresentation in application: RCW 48.30.210.
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