Revised Code of Washington - RCW Title 48 Insurance - Chapter 48.30 Unfair Practices And Frauds

48.30.010 Unfair practices in general -- Remedies and penalties
(1) No person engaged in the business of insurance shall engage in unfair methods of competition or in unfair or deceptive acts or practices in ...

48.30.015 Unreasonable denial of a claim for coverage or payment of benefits
(1) Any first party claimant to a policy of insurance who is unreasonably denied a claim for coverage or payment of benefits by an insurer ...

48.30.020 Anticompact law
(1) No person shall either within or outside of this state enter into any contract, understanding or combination with any other person to do jointly ...

48.30.030 False financial statements
No person shall knowingly file with any public official nor knowingly make, publish, or disseminate any financial statement of an insurer which does not accurately ...

48.30.040 False information and advertising
No person shall knowingly make, publish, or disseminate any false, deceptive or misleading representation or advertising in the conduct of the business of insurance, or ...

48.30.050 Advertising must show name and domicile
Every advertisement of, by, or on behalf of an insurer shall set forth the name in full of the insurer and the location of its ...

48.30.060 Insurer name -- Deceptive use prohibited
No person who is not an insurer shall assume or use any name which deceptively infers or suggests that it is an insurer.[1947 c 79 ...

48.30.070 Advertising of financial condition
(1) Every advertisement by or on behalf of any insurer purporting to show its financial condition may be in a condensed form but shall in ...

48.30.075 Using existence of insurance guaranty associations in advertising, etc., to sell insurance
No person shall make, publish, disseminate, circulate, or place before the public, or cause, directly or indirectly, to be made, published, disseminated, circulated, or placed ...

48.30.080 Defamation of insurer
No person shall make, publish, or disseminate, or aid, abet or encourage the making, publishing, or dissemination of any information or statement which is false ...

48.30.090 Misrepresentation of policies
No person shall make, issue or circulate, or cause to be made, issued or circulated any misrepresentation of the terms of any policy or the ...

48.30.100 Dividends not to be guaranteed
No insurer, agent, broker, solicitor, or other person, shall guarantee or agree to the payment of future dividends or future refunds of unused premiums or ...

48.30.110 Contributions to candidates for insurance commissioner
(1) No insurer or fraternal benefit society doing business in this state shall directly or indirectly pay or use, or offer, consent, or agree to ...

48.30.120 Misconduct of officers, employees
No director, officer, agent, attorney-in-fact, or employee of an insurer shall: (1) Knowingly receive or possess himself of any of its property, otherwise than in ...

48.30.130 Presumption of knowledge of director
A director of an insurer is deemed to have such knowledge of its affairs as to enable him to determine whether any act, proceeding, or ...

48.30.140 Rebating
(1) Except to the extent provided for in an applicable filing with the commissioner then in effect, no insurer, general agent, agent, broker, or solicitor ...

48.30.150 Illegal inducements
No insurer, general agent, agent, broker, solicitor, or other person shall, as an inducement to insurance, or in connection with any insurance transaction, provide in ...

48.30.155 Life or disability insurers -- Insurance as inducement to purchase of goods, etc
No life or disability insurer shall directly or indirectly participate in any plan to offer or effect any kind or kinds of insurance in this ...

48.30.157 Charges for extra services
Notwithstanding the provisions of RCW 48.30.140, 48.30.150, and 48.30.155, the commissioner may permit an agent or broker to enter into reasonable arrangements with insureds and ...

48.30.170 Rebate -- Acceptance prohibited
(1) No insured person shall receive or accept, directly or indirectly, any rebate of premium or part thereof, or any favor, advantage, share in dividends, ...

48.30.180 "Twisting" prohibited
No person shall by misrepresentations or by misleading comparisons, induce or tend to induce any insured to lapse, terminate, forfeit, surrender, retain, or convert any ...

48.30.190 Illegal dealing in premiums
(1) No person shall wilfully collect any sum as premium for insurance, which insurance is not then provided or is not in due course to ...

48.30.200 Hypothecation of premium notes
It shall be unlawful for any insurer or its representative, or any agent or broker, to hypothecate, sell, or dispose of any promissory note, received ...

48.30.210 Misrepresentation in application for insurance
A person who knowingly makes a false or misleading statement or impersonation, or who willfully fails to reveal a material fact, in or relative to ...

48.30.220 Destruction, injury, secretion, etc., of property
Any person, who, with intent to defraud or prejudice the insurer thereof, burns or in any manner injures, destroys, secretes, abandons, or disposes of any ...

48.30.230 False claims or proof -- Penalty
(1) It is unlawful for any person, knowing it to be such, to: (a) Present, or cause to be presented, a false or fraudulent claim, ...

48.30.240 Rate wars prohibited
(1) Any insurer which precipitates, or aids in precipitating or conducting a rate war and by so doing writes or issues a policy of insurance ...

48.30.250 Interlocking ownership, management
(1) Any insurer may retain, invest in or acquire the whole or any part of the capital stock of any other insurer or insurers, or ...

48.30.260 Right of debtor or borrower to select agent, broker, insurer
(1) Every debtor or borrower, when property insurance of any kind is required in connection with the debt or loan, shall have reasonable opportunity and ...

48.30.270 Public building or construction contracts -- Surety bonds or insurance -- Violations concerning -- Exemption
(1) No officer or employee of this state, or of any public agency, public authority or public corporation except a public corporation or public authority ...

48.30.300 Unfair discrimination, generally
Notwithstanding any provision contained in Title 48 RCW to the contrary: A person or entity engaged in the business of insurance in this state may ...

48.30.310 Commercial motor vehicle employment driving record not to be considered, when
When an individual applies for a policy of casualty insurance providing either automobile liability coverage, uninsured motorist coverage, automobile medical payments coverage, or automobile physical ...

48.30.320 Notice of reason for cancellation, restrictions based on handicaps
Every authorized insurer, upon canceling, denying, or refusing to renew any individual life, individual disability, homeowner, dwelling fire, or private passenger automobile insurance policy, shall, ...

48.30.330 Immunity from libel or slander
With respect to contracts of insurance as defined in RCW 48.30.320, there shall be no liability on the part of, and no cause of action ...

48.30.340 Auto glass repair -- Restrictions on insurer-owned facilities
(1) A person in this state has the right to choose any glass repair facility for the repair of a loss relating to motor vehicle ...