Washington · statute · Wash. Rev. Code ch. 48.19 · 52 active provisions
(1) Except as is otherwise expressly provided the provisions of this chapter apply to all insurances upon subjects located, resident or to be performed in this state except:(a) Life insurance;(b) Disability insurance;(c) Reinsurance except as to joint reinsurance as provided in RCW 48.19.360;(d) Insurance against loss…
Premium rates for insurance shall not be excessive, inadequate, or unfairly discriminatory.
Rates shall be used, subject to the other provisions of this chapter, only if made in accordance with the following provisions:(1) In the case of insurances under standard fire policies and that part of marine and transportation insurances not exempted under RCW 48.19.010, manual, minimum, class or classification rates…
(1) For the purposes of this section:(a) "Affiliate" has the same meaning as defined in RCW 48.31B.005(1).(b) "Consumer" means an individual policyholder or applicant for insurance.(c) "Credit history" means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consume…
(1) Every insurer or rating organization shall, before using, file with the commissioner every classifications manual, manual of rules and rates, rating plan, rating schedule, minimum rate, class rate, and rating rule, and every modification of any of the foregoing which it proposes. The insurer need not so file any ra…
(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 rates.(2) Notwithstanding the provisions of RCW 48.19.040(1), commercial property casualty policies may be issued prio…
(1) If so authorized by an insurer, the commissioner shall accept, in lieu of filings by the insurer, filings on its behalf made by a rating organization then licensed as provided in this chapter.(2) As to fire insurance under a standard form fire policy, and the following insurances (other than vehicle insurance cover…
(1) The commissioner shall review a filing as soon as reasonably possible after made, to determine whether it meets the requirements of this chapter.(2) Except as provided in RCW 48.19.070 and 48.19.043:(a) No such filing shall become effective within thirty days after the date of filing with the commissioner, which pe…
The following special filings, when not covered by a previous filing, shall become effective when filed and shall be deemed to meet the requirements of this chapter until such time as the commissioner reviews the filing and for so long thereafter as the filing remains in effect:(1) Special filings with respect to suret…
Under such rules and regulations as he or she shall adopt the commissioner may, by order, suspend or modify the requirement of filing as to any kind of insurance. Such orders, rules and regulations shall be made known to insurers and rating organizations affected thereby. The commissioner may make such examination as h…
Upon written application of the insured, stating his or her reasons therefor, filed with and approved by the commissioner, a rate in excess of that provided by a filing otherwise applicable may be used on any specific risk.
If within the waiting period or any extension thereof as provided in RCW 48.19.060, the commissioner finds that a filing does not meet the requirements of this chapter, he or she shall disapprove such filing, and shall give notice of such disapproval, specifying the respect in which he or she finds the filing fails to…
(1) If within thirty days after a special filing subject to RCW 48.19.070 has become effective, the commissioner finds that the filing does not meet the requirements of this chapter, he or she shall disapprove the filing and shall give notice to the insurer or rating organization which made the filing, specifying in wh…
(1) If at any time subsequent to the applicable review period provided in RCW 48.19.060 or 48.19.110, the commissioner finds that a filing does not meet the requirements of this chapter, he or she shall, after a hearing, notice of which was given to every insurer and rating organization which made such filing, issue hi…
(1) Every rating organization operating in this state shall furnish its services without discrimination as between its subscribers.(2) "Subscriber," for the purposes of this chapter and where the context does not otherwise specify, means any insurer which employs the services of a rating organization for the purpose of…
No provision of this code shall require, or be deemed to require, any insurer to be a subscriber of, or in any other respect affiliated with, any rating organization.
No rating organization shall do business in this state or make filings with the commissioner unless then licensed by the commissioner as a rating organization.
(1) Any person, whether domiciled within or outside this state, except as provided in subsection (2) of this section, may make application to the commissioner for a license as a rating organization for such kinds of insurance or subdivisions thereof, if for casualty or surety insurances, or for such subdivision, class…
(1) If the commissioner finds that the applicant for a license as a rating organization is competent, trustworthy and otherwise qualified so to act, and that its constitution, articles of agreement or association or certificate of incorporation or trust agreement, and its bylaws, rules and regulations governing the con…
(1) The commissioner may, after a hearing, suspend or revoke the license issued to a rating organization for any of the following causes:(a) If he or she finds that the licensee no longer meets the qualifications for the license.(b) For failure to comply with an order of the commissioner within the time limited by the…
Every rating organization shall notify the commissioner promptly of every change in(1) its constitution, its articles of agreement or association, or its certificate of incorporation, or trust agreement, and its bylaws, rules and regulations governing the conduct of its business;(2) its list of members and subscribers;…
(1) Subject to rules and regulations which have been approved by the commissioner as reasonable, each rating organization shall permit any insurer to subscribe to its rating services for any kind of insurance or subdivision thereof, for which it is authorized to act as a rating organization, subject to subsection (2) o…
(1) The reasonableness of any rule or regulation in its application to subscribers, or the refusal of any rating organization to admit an insurer as a subscriber, shall, at the request of any subscriber or any such insurer, be reviewed by the commissioner at a hearing held upon notice to the rating organization, and to…
The subscribers of any rating organization may, from time to time, individually or through committees representing various subscribers, consult with the rating organization with respect to matters within this chapter which affect such subscribers.
No rating organization shall adopt any rule the effect of which would be to prohibit or regulate the payment of dividends, savings or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members or subscribers.