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Chapter 284-30 WAC

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TRADE PRACTICES

WAC Sections

THE UNFAIR CLAIMS SETTLEMENT PRACTICES REGULATION
HTMLPDF284-30-300Authority and purpose.
HTMLPDF284-30-310Scope of this regulation.
HTMLPDF284-30-320Definitions.
HTMLPDF284-30-330Specific unfair claims settlement practices defined.
HTMLPDF284-30-340File and record documentation.
HTMLPDF284-30-350Misrepresentation of policy provisions.
HTMLPDF284-30-355Certificates of insurance.
HTMLPDF284-30-360Standards for the insurer to acknowledge pertinent communications.
HTMLPDF284-30-370Standards for prompt investigation of a claim.
HTMLPDF284-30-380Settlement standards applicable to all insurers.
HTMLPDF284-30-390Acts or practices considered unfair in the settlement of motor vehicle claims.
HTMLPDF284-30-391Methods and standards of practice for settlement of total loss vehicle claims.
HTMLPDF284-30-392Information that must be included in the insurer's total loss vehicle valuation report.
HTMLPDF284-30-393Insurer must include an insured's deductible in its subrogation demands.
HTMLPDF284-30-394Denial of storage and towing costs.
HTMLPDF284-30-395Standards for prompt, fair and equitable settlements applicable to automobile personal injury protection insurance.
HTMLPDF284-30-400Enforcement.
HTMLPDF284-30-450Insurance policies and contracts—Coverage for drugs.
TRADE PRACTICES
HTMLPDF284-30-500Unfair practices with respect to vehicle insurance.
HTMLPDF284-30-550Receipts to be given.
HTMLPDF284-30-560Applications and binders.
HTMLPDF284-30-570Actual reason for canceling, denying or refusing to renew insurance to be disclosed.
HTMLPDF284-30-572Discrimination prohibited.
HTMLPDF284-30-574Insurer must make independent evaluation.
HTMLPDF284-30-580Policies to be delivered, not held by insurance producers or title insurance agents.
HTMLPDF284-30-590Unfair practices with respect to policy cancellations, renewals, and changes.
HTMLPDF284-30-600Unfair practices with respect to out-of-state group life and disability insurance.
HTMLPDF284-30-610Unfair practices with respect to the solicitation of coverage under out-of-state group policies.
HTMLPDF284-30-620Permissible time limit for benefits payable because of accidental injury or death.
HTMLPDF284-30-630Health questions in applications to be clear and precise.
HTMLPDF284-30-650Prompt responses required.
HTMLPDF284-30-660Deceptive use of quotations or evaluations prohibited.
HTMLPDF284-30-670Insurers must transact business in their legal name.
HTMLPDF284-30-700Restrictions as to denial and termination of homeowners insurance affected by day-care operations.
HTMLPDF284-30-750Insurance producers' and surplus line brokers' fees to be disclosed.
MILITARY SALES PRACTICES
HTMLPDF284-30-850Authority, purpose, and effective date.
HTMLPDF284-30-855Scope.
HTMLPDF284-30-860Exemptions.
HTMLPDF284-30-865Definitions.
HTMLPDF284-30-870Practices declared to be unfair or deceptive when committed on a military installation.
HTMLPDF284-30-872Practices declared to be unfair or deceptive regardless of where they occur.
ENVIRONMENTAL CLAIMS
HTMLPDF284-30-900Purpose.
HTMLPDF284-30-905Scope.
HTMLPDF284-30-910Definitions.
HTMLPDF284-30-920Procedures for resolving lost policy disputes regarding environmental claims.
HTMLPDF284-30-930Specific unfair environmental claims settlement or trade practices defined.
HTMLPDF284-30-940Environmental claim mediation program.
DISPOSITION OF SECTIONS FORMERLY CODIFIED IN THIS TITLE
284-30-005Which 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.
284-30-010Replacement 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.
284-30-100Title 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.
284-30-110Purpose. [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.
284-30-120Replacement 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.
284-30-130Exemptions. [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.
284-30-140Duties 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.
284-30-150Duties 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.
284-30-160Enforcement. [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.
284-30-170Forms. [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.
284-30-180Supersedes 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.
284-30-190Severability. [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.
284-30-200Effective 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.
284-30-3901Definitions 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.
284-30-3902When 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.
284-30-3903Can 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.
284-30-3904Will 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.
284-30-3905If 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.
284-30-3906If 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.
284-30-3907How 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.
284-30-3908Are 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.
284-30-3909If 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.
284-30-3910Can 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.
284-30-3911What 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.
284-30-3912What 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.
284-30-3913What 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.
284-30-3914When 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.
284-30-3915What 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.
284-30-3916In 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.
284-30-410Effective 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.
284-30-800Unfair 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.
284-30-990Exhibit 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.
284-30-991Exhibit 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.
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