Revised Code of Washington - RCW Title 48 Insurance - Chapter 48.19 Rates

48.19.010 Scope of chapter
(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 ...

48.19.020 Rate standard
Premium rates for insurance shall not be excessive, inadequate, or unfairly discriminatory.[1983 1st ex.s. c 32 § 13; 1947 c 79 § .19.02; Rem. Supp. ...

48.19.030 Making of rates -- Criteria
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 ...

48.19.035 Making of rates -- Definitions -- Personal insurance -- Use of credit history or insurance scores -- Rules
(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 ...

48.19.040 Filing required -- Contents
(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, ...

48.19.043 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 ...

48.19.050 Filings by rating bureau
(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 ...

48.19.060 Filings -- Review, waiting period, disapproval
(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) ...

48.19.070 Special filings
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 ...

48.19.080 Waiver of filing
Under such rules and regulations as he shall adopt the commissioner may, by order, suspend or modify the requirement of filing as to any kind ...

48.19.090 Excess rates on specific risks
Upon written application of the insured, stating his reasons therefor, filed with and approved by the commissioner, a rate in excess of that provided by ...

48.19.100 Disapproval of filing
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 ...

48.19.110 Disapproval of special filing
(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 ...

48.19.120 Subsequent disapproval
(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 ...

48.19.140 Rating organizations -- Discrimination -- "Subscriber" defined
(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 ...

48.19.150 Subscribership not required
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 ...

48.19.160 Rating organization license
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.[1947 ...

48.19.170 Application for license
(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 ...

48.19.180 Issuance of license
(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 ...

48.19.190 Suspension or revocation of license
(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 ...

48.19.200 Notice of changes
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 ...

48.19.210 Subscribers -- Rights, limitations
(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 ...

48.19.220 Review of rules and refusal to admit insurers
(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 ...

48.19.230 Subscriber committees
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 ...

48.19.240 Rules cannot affect dividends
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 ...

48.19.250 Cooperative activities
(1) Cooperation among rating organizations or among rating organizations and insurers in rate making or in other matters within the scope of this chapter is ...

48.19.260 Technical services
Any rating organization may subscribe for or purchase actuarial, technical or other services, and such services shall be available to all subscribers without discrimination.[1947 c ...

48.19.270 Records -- Examinations
Each rating organization shall keep an accurate and complete record of all work performed by it, and of all its receipts and disbursements. Such rating ...

48.19.280 Deviations
(1) Every member or subscriber to a rating organization shall adhere to the filings made on its behalf by such organization. Deviations from the organization's ...

48.19.290 Appeal from rating organization's action
(1) Any subscriber to a rating organization may appeal to the commissioner from the rating organization's action or decision in approving or rejecting any proposed ...

48.19.300 Service to insureds
Every rating organization and every insurer which makes its own rates shall, within a reasonable time after receiving written request therefor and upon payment of ...

48.19.310 Complaints of insureds
Every rating organization and every insurer which makes its own rates shall provide within this state reasonable means whereby any person aggrieved by the application ...

48.19.320 Advisory organizations -- Definition
(1) Every group, association or other organization of insurers, whether located within or outside this state, which assists insurers which make their own filings or ...

48.19.330 Requisites of advisory organization
Every advisory organization before serving as such to any rating organization or independently filing insurer doing business in this state, shall file with the commissioner: ...

48.19.340 Desist orders
If, after a hearing, the commissioner finds that the furnishing of information or assistance by an advisory organization, as referred to in RCW 48.19.320, involves ...

48.19.350 Disqualification of data
No insurer which makes its own filing nor any rating organization shall support its filings by statistics or adopt rate making recommendations, furnished to it ...

48.19.360 Joint underwriting or joint reinsurance
(1) Every group, association or other organization of insurers which engages in joint underwriting or joint reinsurance, shall be subject to regulation with respect thereto ...

48.19.370 Recording and reporting of loss and expense experience
(1) The commissioner shall promulgate reasonable rules and statistical plans, reasonably adapted to each of the rating systems on file with him, which may be ...

48.19.380 Exchange of information
Every rating organization and insurer may exchange information and experience data with insurers and rating organizations in this and other states and may consult with ...

48.19.390 False or misleading information
No person shall wilfully withhold information from, or knowingly give false or misleading information to, the commissioner, any statistical agency designated by the commissioner, any ...

48.19.400 Assigned risks
Agreements may be made among casualty insurers with respect to the equitable apportionment among them of insurance which may be afforded applicants who are in ...

48.19.410 Examination of contracts
(1) The commissioner may permit the organization and operation of examining bureaus for the examination of policies, daily reports, binders, renewal certificates, endorsements, and other ...

48.19.420 Rate agreements
Two or more insurers mutually may agree to adhere to rates, rating plans, rating systems or underwriting practices or uniform modifications thereof, all subject to ...

48.19.430 Penalties
Any person violating any provision of this chapter shall be subject to a penalty of not more than fifty dollars for each such violation, but ...

48.19.450 Casualty rate filing -- Credit
The commissioner shall, in reviewing a casualty rate filing, determine in accordance with sound and reliable actuarial principles whether chapter 305, Laws of 1986 requires ...

48.19.460 Automobile insurance -- Premium reductions for older insureds completing accident prevention course
Any schedule of rates or rating plan for automobile liability and physical damage insurance submitted to or filed with the commissioner shall provide for an ...

48.19.470 Automobile insurance -- Premium reductions for persons eligible under RCW 48.19.460
All insurance companies writing automobile liability and physical damage insurance in this state shall allow an appropriate reduction in premium charges except for underinsured motorist ...

48.19.480 Automobile insurance -- Completion of accident prevention course, certificate
Upon successfully completing the approved course, each participant shall be issued by the course's sponsoring agency, a certificate that shall be the basis of qualification ...

48.19.490 Automobile insurance -- Continued eligibility for discount
Each participant shall take an approved course every two years to continue to be eligible for the discount on insurance.[1986 c 235 § 4.] ...

48.19.500 Motor vehicle insurance -- Seat belts, etc
Due consideration in making rates for motor vehicle insurance shall be given to any anticipated change in losses that may be attributable to the use ...

48.19.501 Motor vehicle insurance -- Anti-theft devices -- Lights -- Multiple vehicles
Due consideration in making rates for motor vehicle insurance shall be given to: (1) Any anticipated change in losses that may be attributable to the ...