TRADE PRACTICES
WAC Sections
THE UNFAIR CLAIMS SETTLEMENT PRACTICES REGULATION | ||
| HTMLPDF | 284-30-300 | Authority and purpose. |
| HTMLPDF | 284-30-310 | Scope of this regulation. |
| HTMLPDF | 284-30-320 | Definitions. |
| HTMLPDF | 284-30-330 | Specific unfair claims settlement practices defined. |
| HTMLPDF | 284-30-340 | File and record documentation. |
| HTMLPDF | 284-30-350 | Misrepresentation of policy provisions. |
| HTMLPDF | 284-30-355 | Certificates of insurance. |
| HTMLPDF | 284-30-360 | Standards for the insurer to acknowledge pertinent communications. |
| HTMLPDF | 284-30-370 | Standards for prompt investigation of a claim. |
| HTMLPDF | 284-30-380 | Settlement standards applicable to all insurers. |
| HTMLPDF | 284-30-390 | Acts or practices considered unfair in the settlement of motor vehicle claims. |
| HTMLPDF | 284-30-391 | Methods and standards of practice for settlement of total loss vehicle claims. |
| HTMLPDF | 284-30-392 | Information that must be included in the insurer's total loss vehicle valuation report. |
| HTMLPDF | 284-30-393 | Insurer must include an insured's deductible in its subrogation demands. |
| HTMLPDF | 284-30-394 | Denial of storage and towing costs. |
| HTMLPDF | 284-30-395 | Standards for prompt, fair and equitable settlements applicable to automobile personal injury protection insurance. |
| HTMLPDF | 284-30-400 | Enforcement. |
| HTMLPDF | 284-30-450 | Insurance policies and contracts—Coverage for drugs. |
TRADE PRACTICES | ||
| HTMLPDF | 284-30-500 | Unfair practices with respect to vehicle insurance. |
| HTMLPDF | 284-30-550 | Receipts to be given. |
| HTMLPDF | 284-30-560 | Applications and binders. |
| HTMLPDF | 284-30-570 | Actual reason for canceling, denying or refusing to renew insurance to be disclosed. |
| HTMLPDF | 284-30-572 | Discrimination prohibited. |
| HTMLPDF | 284-30-574 | Insurer must make independent evaluation. |
| HTMLPDF | 284-30-580 | Policies to be delivered, not held by insurance producers or title insurance agents. |
| HTMLPDF | 284-30-590 | Unfair practices with respect to policy cancellations, renewals, and changes. |
| HTMLPDF | 284-30-595 | Unfair practices regarding documented expenses for implementation credits. |
| HTMLPDF | 284-30-600 | Unfair practices with respect to out-of-state group life and disability insurance. |
| HTMLPDF | 284-30-610 | Unfair practices with respect to the solicitation of coverage under out-of-state group policies. |
| HTMLPDF | 284-30-620 | Permissible time limit for benefits payable because of accidental injury or death. |
| HTMLPDF | 284-30-630 | Health questions in applications to be clear and precise. |
| HTMLPDF | 284-30-650 | Prompt responses required. |
| HTMLPDF | 284-30-660 | Deceptive use of quotations or evaluations prohibited. |
| HTMLPDF | 284-30-670 | Insurers must transact business in their legal name. |
| HTMLPDF | 284-30-700 | Restrictions as to denial and termination of homeowners insurance affected by day-care operations. |
| HTMLPDF | 284-30-750 | Insurance producers' and surplus line brokers' fees to be disclosed. |
| HTMLPDF | 284-30-770 | Adverse notification requirements. |
MILITARY SALES PRACTICES | ||
| HTMLPDF | 284-30-850 | Authority, purpose, and effective date. |
| HTMLPDF | 284-30-855 | Scope. |
| HTMLPDF | 284-30-860 | Exemptions. |
| HTMLPDF | 284-30-865 | Definitions. |
| HTMLPDF | 284-30-870 | Practices declared to be unfair or deceptive when committed on a military installation. |
| HTMLPDF | 284-30-872 | Practices declared to be unfair or deceptive regardless of where they occur. |
ENVIRONMENTAL CLAIMS | ||
| HTMLPDF | 284-30-900 | Purpose. |
| HTMLPDF | 284-30-905 | Scope. |
| HTMLPDF | 284-30-910 | Definitions. |
| HTMLPDF | 284-30-920 | Procedures for resolving lost policy disputes regarding environmental claims. |
| HTMLPDF | 284-30-930 | Specific unfair environmental claims settlement or trade practices defined. |
| HTMLPDF | 284-30-940 | Environmental claim mediation program. |
DISPOSITION OF SECTIONS FORMERLY CODIFIED IN THIS TITLE
| 284-30-005 | Which regulation applicable. [Order R-71-1, § 284-30-005, filed 6/15/71, effective 9/1/71.] Repealed by WSR 81-18-038 (Order R 81-4), filed 8/28/81. Statutory Authority: RCW 48.02.060. |
| 284-30-010 | Replacement of life insurance policies. [Order R-68-10, § 284-30-010, filed 10/25/68; Order R-68-1 (part), § 284-30-010, filed 4/23/68, effective 10/1/68.] Repealed by WSR 81-18-038 (Order R 81-4), filed 8/28/81. Statutory Authority: RCW 48.02.060. |
| 284-30-100 | Title and explanation. [Order R-71-1, § 284-30-100, filed 6/15/71, effective 9/1/71.] Repealed by WSR 81-18-038 (Order R 81-4), filed 8/28/81. Statutory Authority: RCW 48.02.060. |
| 284-30-110 | Purpose. [Order R-71-1, § 284-30-110, filed 6/15/71, effective 9/1/71.] Repealed by WSR 81-18-038 (Order R 81-4), filed 8/28/81. Statutory Authority: RCW 48.02.060. |
| 284-30-120 | Replacement of life insurance defined. [Order R-71-1, § 284-30-120, filed 6/15/71, effective 9/1/71.] Repealed by WSR 81-18-038 (Order R 81-4), filed 8/28/81. Statutory Authority: RCW 48.02.060. |
| 284-30-130 | Exemptions. [Order R-71-1, § 284-30-130, filed 6/15/71, effective 9/1/71.] Repealed by WSR 81-18-038 (Order R 81-4), filed 8/28/81. Statutory Authority: RCW 48.02.060. |
| 284-30-140 | Duties of licensees. [Order R-71-1, § 284-30-140, filed 6/15/71, effective 9/1/71.] Repealed by WSR 81-18-038 (Order R 81-4), filed 8/28/81. Statutory Authority: RCW 48.02.060. |
| 284-30-150 | Duties of insurers. [Order R-71-1, § 284-30-150, filed 6/15/71, effective 9/1/71.] Repealed by WSR 81-18-038 (Order R 81-4), filed 8/28/81. Statutory Authority: RCW 48.02.060. |
| 284-30-160 | Enforcement. [Order R-71-1, § 284-30-160, filed 6/15/71, effective 9/1/71.] Repealed by WSR 81-18-038 (Order R 81-4), filed 8/28/81. Statutory Authority: RCW 48.02.060. |
| 284-30-170 | Forms. [Order R-71-1, § 284-30-170, filed 6/15/71, effective 9/1/71.] Repealed by WSR 81-18-038 (Order R 81-4), filed 8/28/81. Statutory Authority: RCW 48.02.060. |
| 284-30-180 | Supersedes prior regulation. [Order R-71-1, § 284-30-180, filed 6/15/71, effective 9/1/71.] Repealed by WSR 81-18-038 (Order R 81-4), filed 8/28/81. Statutory Authority: RCW 48.02.060. |
| 284-30-190 | Severability. [Order R-71-1, § 284-30-190, filed 6/15/71, effective 9/1/71.] Repealed by WSR 81-18-038 (Order R 81-4), filed 8/28/81. Statutory Authority: RCW 48.02.060. |
| 284-30-200 | Effective date. [Order R-71-1, § 284-30-200, filed 6/15/71, effective 9/1/71.] Repealed by WSR 81-18-038 (Order R 81-4), filed 8/28/81. Statutory Authority: RCW 48.02.060. |
| 284-30-3901 | Definitions for settlement of vehicle claims. [Statutory Authority: RCW 48.02.060, 48.30.010. WSR 03-14-092 (Matter No. R 2002-06), § 284-30-3901, filed 6/30/03, effective 10/1/03.] Repealed by WSR 09-11-129 (Matter No. R 2007-08), filed 5/20/09, effective 8/21/09. Statutory Authority: RCW 48.02.060 and 48.30.010. |
| 284-30-3902 | When my vehicle is repairable, what can I expect from the insurer? [Statutory Authority: RCW 48.02.060, 48.30.010. WSR 03-14-092 (Matter No. R 2002-06), § 284-30-3902, filed 6/30/03, effective 10/1/03.] Repealed by WSR 09-11-129 (Matter No. R 2007-08), filed 5/20/09, effective 8/21/09. Statutory Authority: RCW 48.02.060 and 48.30.010. |
| 284-30-3903 | Can I get my vehicle repaired at a shop of my choice? [Statutory Authority: RCW 48.02.060, 48.30.010. WSR 03-14-092 (Matter No. R 2002-06), § 284-30-3903, filed 6/30/03, effective 10/1/03.] Repealed by WSR 09-11-129 (Matter No. R 2007-08), filed 5/20/09, effective 8/21/09. Statutory Authority: RCW 48.02.060 and 48.30.010. |
| 284-30-3904 | Will my insurer pursue collection of my deductible? [Statutory Authority: RCW 48.02.060, 48.30.010. WSR 03-14-092 (Matter No. R 2002-06), § 284-30-3904, filed 6/30/03, effective 10/1/03.] Repealed by WSR 09-11-129 (Matter No. R 2007-08), filed 5/20/09, effective 8/21/09. Statutory Authority: RCW 48.02.060 and 48.30.010. |
| 284-30-3905 | If my insurer collects my deductible back, will I recover the full amount of my deductible? [Statutory Authority: RCW 48.02.060, 48.30.010. WSR 03-14-092 (Matter No. R 2002-06), § 284-30-3905, filed 6/30/03, effective 10/1/03.] Repealed by WSR 09-11-129 (Matter No. R 2007-08), filed 5/20/09, effective 8/21/09. Statutory Authority: RCW 48.02.060 and 48.30.010. |
| 284-30-3906 | If another party is responsible for my vehicle damage, can that party's insurer refuse to settle my vehicle damage and force me to use my own collision coverage? [Statutory Authority: RCW 48.02.060, 48.30.010. WSR 03-14-092 (Matter No. R 2002-06), § 284-30-3906, filed 6/30/03, effective 10/1/03.] Repealed by WSR 09-11-129 (Matter No. R 2007-08), filed 5/20/09, effective 8/21/09. Statutory Authority: RCW 48.02.060 and 48.30.010. |
| 284-30-3907 | How can my insurer settle my vehicle total loss claim? [Statutory Authority: RCW 48.02.060, 48.30.010. WSR 03-14-092 (Matter No. R 2002-06), § 284-30-3907, filed 6/30/03, effective 10/1/03.] Repealed by WSR 09-11-129 (Matter No. R 2007-08), filed 5/20/09, effective 8/21/09. Statutory Authority: RCW 48.02.060 and 48.30.010. |
| 284-30-3908 | Are there factors that may adjust my settlement? [Statutory Authority: RCW 48.02.060, 48.30.010. WSR 03-14-092 (Matter No. R 2002-06), § 284-30-3908, filed 6/30/03, effective 10/1/03.] Repealed by WSR 09-11-129 (Matter No. R 2007-08), filed 5/20/09, effective 8/21/09. Statutory Authority: RCW 48.02.060 and 48.30.010. |
| 284-30-3909 | If my vehicle is determined to be a total loss, can I keep it? [Statutory Authority: RCW 48.02.060, 48.30.010. WSR 03-14-092 (Matter No. R 2002-06), § 284-30-3909, filed 6/30/03, effective 10/1/03.] Repealed by WSR 09-11-129 (Matter No. R 2007-08), filed 5/20/09, effective 8/21/09. Statutory Authority: RCW 48.02.060 and 48.30.010. |
| 284-30-3910 | Can the insurer move my vehicle prior to settlement of the claim? [Statutory Authority: RCW 48.02.060, 48.30.010. WSR 03-14-092 (Matter No. R 2002-06), § 284-30-3910, filed 6/30/03, effective 10/1/03.] Repealed by WSR 09-11-129 (Matter No. R 2007-08), filed 5/20/09, effective 8/21/09. Statutory Authority: RCW 48.02.060 and 48.30.010. |
| 284-30-3911 | What information must be included in the insurer's valuation report? [Statutory Authority: RCW 48.02.060, 48.30.010. WSR 03-14-092 (Matter No. R 2002-06), § 284-30-3911, filed 6/30/03, effective 10/1/03.] Repealed by WSR 09-11-129 (Matter No. R 2007-08), filed 5/20/09, effective 8/21/09. Statutory Authority: RCW 48.02.060 and 48.30.010. |
| 284-30-3912 | What if I, as an insured, accept the settlement based on my insurer's valuation and cannot find a comparable vehicle within a reasonable distance of my vehicle's principally garaged area? [Statutory Authority: RCW 48.02.060 and 48.30.010. WSR 04-01-176 (Matter No. R 2003-07), § 284-30-3912, filed 12/23/03, effective 1/23/04; WSR 03-14-092 (Matter No. R 2002-06), § 284-30-3912, filed 6/30/03, effective 10/1/03.] Repealed by WSR 09-11-129 (Matter No. R 2007-08), filed 5/20/09, effective 8/21/09. Statutory Authority: RCW 48.02.060 and 48.30.010. |
| 284-30-3913 | What must the insurer do prior to the denial of storage and towing costs? [Statutory Authority: RCW 48.02.060, 48.30.010. WSR 03-14-092 (Matter No. R 2002-06), § 284-30-3913, filed 6/30/03, effective 10/1/03.] Repealed by WSR 09-11-129 (Matter No. R 2007-08), filed 5/20/09, effective 8/21/09. Statutory Authority: RCW 48.02.060 and 48.30.010. |
| 284-30-3914 | When I am dealing with someone else's insurer, what are my rights regarding a rental vehicle? [Statutory Authority: RCW 48.02.060, 48.30.010. WSR 03-14-092 (Matter No. R 2002-06), § 284-30-3914, filed 6/30/03, effective 10/1/03.] Repealed by WSR 09-11-129 (Matter No. R 2007-08), filed 5/20/09, effective 8/21/09. Statutory Authority: RCW 48.02.060 and 48.30.010. |
| 284-30-3915 | What if the other person's insurer offers a flat rental amount per day, week, or month? [Statutory Authority: RCW 48.02.060, 48.30.010. WSR 03-14-092 (Matter No. R 2002-06), § 284-30-3915, filed 6/30/03, effective 10/1/03.] Repealed by WSR 09-11-129 (Matter No. R 2007-08), filed 5/20/09, effective 8/21/09. Statutory Authority: RCW 48.02.060 and 48.30.010. |
| 284-30-3916 | In a total loss situation, what happens if I have a loan or lease on my vehicle and the outstanding balance exceeds the actual cash value of my vehicle? [Statutory Authority: RCW 48.02.060, 48.30.010. WSR 03-14-092 (Matter No. R 2002-06), § 284-30-3916, filed 6/30/03, effective 10/1/03.] Repealed by WSR 09-11-129 (Matter No. R 2007-08), filed 5/20/09, effective 8/21/09. Statutory Authority: RCW 48.02.060 and 48.30.010. |
| 284-30-410 | Effective date. [Statutory Authority: RCW 48.02.060 and 48.30.010. WSR 78-08-082 (Order R 78-3), § 284-30-410, filed 7/27/78, effective 9/1/78.] Repealed by WSR 09-11-129 (Matter No. R 2007-08), filed 5/20/09, effective 8/21/09. Statutory Authority: RCW 48.02.060 and 48.30.010. |
| 284-30-800 | Unfair practices applicable to title insurers and their agents. [Statutory Authority: RCW 48.02.060 (3)(a), 48.30.140, 48.30.150, 48.01.030 and 48.30.010(2). WSR 90-20-104 (Order R 90-11), § 284-30-800, filed 10/2/90, effective 11/2/90. Statutory Authority: RCW 48.02.060 (3)(a). WSR 88-11-056 (Order R 88-6), § 284-30-800, filed 5/17/88.] Repealed by WSR 09-05-077 (Matter No. R 2008-21), filed 2/17/09, effective 3/20/09. Statutory Authority: RCW 48.02.060, 48.29.005 and 48.29.210. |
| 284-30-990 | Exhibit 1—Disclosure statement. [Exhibit 1 is part of Washington Administrative Code Order R-71-1 (codified as WAC 284-30-990), filed 6/15/71, effective 9/1/71.] Repealed by WSR 81-18-038 (Order R 81-4), filed 8/28/81. Statutory Authority: RCW 48.02.060. |
| 284-30-991 | Exhibit 2—Notice to applicants regarding replacement of life insurance. [Exhibit 2 is part of Washington Administrative Code Order R-71-1 (codified as WAC 284-30-991), filed 6/15/71, effective 9/1/71.] Repealed by WSR 81-18-038 (Order R 81-4), filed 8/28/81. Statutory Authority: RCW 48.02.060. |