Revised Code of Washington

Wash. Rev. Code § 48.18.100 (2026)

✓ current as of May 2026

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(1) No insurance policy form or application form where written application is required and is to be attached to the policy, or printed life or disability rider or endorsement form may be issued, delivered, or used unless it has been filed with and approved by the commissioner. This section does not apply to:

(a) Surety bond forms;

(b) Forms filed under RCW 48.18.103;

(d) Manuscript policies, riders, or endorsements of unique character designed for and used with relation to insurance upon a particular subject;

(e) Contracts of insurance procured under the provisions of chapter 48.15 RCW; or

(f) Forms filed under the requirements of RCW 48.43.733.

(2) Every such filing containing a certification, in a form approved by the commissioner, by either the chief executive officer of the insurer or by an actuary who is a member of the American academy of actuaries, attesting that the filing complies with Title 48 RCW and Title 284 of the Washington Administrative Code, may be used by the insurer immediately after filing with the commissioner. The commissioner may order an insurer to cease using a certified form upon the grounds set forth in RCW 48.18.110. This subsection does not apply to certain types of policy forms designated by the commissioner by rule.

(3) Except as provided in RCW 48.18.103 and 48.43.733, every filing that does not contain a certification pursuant to subsection (2) of this section must be made not less than thirty days in advance of issuance, delivery, or use. At the expiration of the thirty days, the filed form shall be deemed approved unless prior thereto it has been affirmatively approved or disapproved by order of the commissioner. The commissioner may extend by not more than an additional fifteen days the period within which he or she may affirmatively approve or disapprove any form, by giving notice of the extension before expiration of the initial thirty-day period. At the expiration of the period that has been extended, and in the absence of prior affirmative approval or disapproval, the form shall be deemed approved. The commissioner may withdraw any approval at any time for cause. By approval of any form for immediate use, the commissioner may waive any unexpired portion of the initial thirty-day waiting period.

(4) The commissioner's order disapproving any form or withdrawing a previous approval must state the grounds for disapproval.

(5) No form may knowingly be issued or delivered as to which the commissioner's approval does not then exist.

(6) The commissioner may, by rule, exempt from the requirements of this section any class or type of insurance policy forms if filing and approval is not desirable or necessary for the protection of the public.

(7) Every member or subscriber to a rating organization must adhere to the form filings made on its behalf by the organization. Deviations from the organization are permitted only when filed with the commissioner in accordance with this chapter.

(8) Medical malpractice insurance form filings are subject to the provisions of this section.

(9) Variable contract forms; disability insurance policy forms; individual life insurance policy forms; life insurance policy illustration forms; industrial life insurance contract, individual medicare supplement insurance policy, and long-term care insurance policy forms, which are amended solely to comply with the changes in nomenclature required by RCW 48.18A.035, 48.20.013, 48.20.042, 48.20.072, 48.23.380, 48.23A.040, 48.23A.070, 48.25.140, 48.66.120, and 48.76.090 are exempt from this section.

[ 2015 c 19 s 2; 2008 c 217 s 12; 2006 c 8 s 214; 2005 c 223 s 8; 1997 c 428 s 3; 1989 c 25 s 1; 1982 c 181 s 16; 1947 c 79 s .18.10; Rem. Supp. 1947 s 45.18.10.]

Notes:

Intent—2015 c 19: "It is the intent of the legislature to enhance competition and create regulatory uniformity in the filing requirements for group health benefit plans other than small group plans, as well as stand-alone dental plan and stand-alone vision plan rates and forms in order to increase competition among carriers and provide a more competitive market for these products." [ 2015 c 19 s 1.]

Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.

Findings—Intent—Part headings and subheadings not law—Severability—2006 c 8: See notes following RCW 5.64.010.

Effective date—1989 c 25: "This act shall take effect on September 1, 1989." [ 1989 c 25 s 10.]

Severability—1982 c 181: See note following RCW 48.03.010.

Format of disability policies: RCW 48.20.012.

Notes of Decisions

Cited in 9 cases (1 in the last 5 years), 1974–2021 · leading case: Safeco Ins. Co. of Am. v. Butler, 823 P.2d 499 (Wash. 1992).

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Safeco Ins. Co. of Am. v. Butler, 823 P.2d 499 (Wash. 1992). · cites it 4× “Pursuant to RCW 48.18.100, Safeco notified the Insurance Commissioner of the proposed change.”

Progressive Cas. Ins. v. Jester, 683 P.2d 180 (Wash. 1984). · cites it 2× “RCW 48.18.100. By exercising his discretion to withdraw motorcycle liability insurance forms which exclude passenger coverage, the Commissioner, in his wisdom, has ensured that future motorcycle passengers will be protected.”

Mission Ins. v. Guarantee Ins., 683 P.2d 215 (Wash. Ct. App. 1984). “RCW 48.18.100. Therefore, the omnibus clause cannot be modified simply by agreement of the insurance carrier and the named insured.”

Williams v. Metro. Life Ins., 519 P.2d 1310 (Wash. Ct. App. 1974). · cites it 2× “2 Plaintiff contends that the “application amendment” form used by the insurance company differs from that approved for use by the insurance commissioner, pursuant to the requirements of RCW 48.18.100. The form in this case differs from the approved form only in that some of the…”

Koop v. Safeway Stores, Inc., 831 P.2d 777 (Wash. Ct. App. 1992). “Although the Koops correctly cite RCW 48.18.100(1) for the proposition that no form may be used unless it is filed with the commissioner, they fail to cite authority supporting their contention that an insurance contract, or provision thereof, acquires legal effect only upon…”

Sandwich Chef of Texas, Inc. v. Reliance Nat'l Indem. Ins., 202 F.R.D. 484 (S.D. Tex. 2001). “Codified Laws § 58-11-12 (Michie 1996); Tenn.”

Credit Gen. Ins. v. Zewdu, 919 P.2d 93 (Wash. Ct. App. 1996). “RCW 48.04.010(l)(b), WAC 284--02-070(l)-(2), RCW 34.”

Leo J. Driscoll v. Washington State Ins. Comm'r (Wash. Ct. App. 2017). “Count 3 alleged the OIC's approval of the premium increase and the related Policy Schedule ! forms was erroneous because such approval was, and is, ungrounded, and 1 that the Commissioner has authority, grounds, cause, and duty to hold a I hearing and to issue an order pursuant…”

Granite State Ins. Co., V. Pope Resources Lp (Wash. Ct. App. 2021). “159 Specifically, we consider whether the substance of the settlement agreement 155 See STEVEN PLITT, DANIEL MALDONADO, JOSHUA D.”

— Wash. Rev. Code § 48.18.100(1) — 1 case

— Wash. Rev. Code § 48.18.100(3) — 1 case

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