Wash. Rev. Code » Title 48 · Chapter 48.18
Revised Code of Washington

Wash. Rev. Code § 48.18.130 (2026)

Standard provisions

✓ current as of May 2026
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(1) Insurance contracts shall contain such standard provisions as are required by the applicable chapters of this code pertaining to contracts of particular kinds of insurance. The commissioner may waive the required use of a particular standard provision in a particular insurance contract form if
(a) he or she finds such provision unnecessary for the protection of the insured, and inconsistent with the purposes of the contract, and
(b) the contract is otherwise approved by him or her.
(2) No insurance contract shall contain any provision inconsistent with or contradictory to any such standard provision used or required to be used, but the commissioner may, except as to the standard provisions of individual disability insurance contracts as required under chapter 48.20 RCW, approve any provision which is in his or her opinion more favorable to the insured than the standard provision or optional standard provision otherwise required. No endorsement, rider, or other documents attached to such contract shall vary, extend, or in any respect conflict with any such standard provision, or with any modification thereof so approved by the commissioner as being more favorable to the insured.
(3) In lieu of the standard provisions required by this code for contracts for particular kinds of insurance, substantially similar standard provisions required by the law of a foreign or alien insurer's domicile may be used when approved by the commissioner.
[ 2009 c 549 s 7069; 1947 c 79 s .18.13; Rem. Supp. 1947 s 45.18.13.]

Notes:

Standard provisions
disability: Chapter 48.20 RCW.
group and blanket disability: Chapter 48.21 RCW.
group life and annuities: Chapter 48.24 RCW.
industrial life: Chapter 48.25 RCW.
life insurance and annuities: Chapter 48.23 RCW.
Notes of Decisions
Cited in 19 cases (1 in the last 5 years), 1974–2025 · leading case: Federated Am. Ins. v. Raynes, 563 P.2d 815 (Wash. 1977).
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Federated Am. Ins. v. Raynes, 563 P.2d 815 (Wash. 1977). · cites it 4× “030 and RCW 48.18.130(2) 4 require the minimum uninsured motorist coverage of $15,000 per person and $30,000 per accident for each policy issued to the insured.”
Transamerica Ins. Grp. v. United Pac. Ins., 593 P.2d 156 (Wash. 1979). · cites it 2× “490(2)(b) and RCW 48.18.130(2). Concerning the first issue we note the trial court ruled that because Rea's attempt to remove his rifle from the gun rack amounted to "unloading" the truck, coverage was excluded under that portion of the United policy set forth in footnote 1.”
Kroeber v. GEICO Ins. Co., 366 P.3d 1237 (Wash. 2016). · cites it 2× “RCW 48.18.130(1). No insur- *930 anee contract can contain an inconsistent or contradictory-term to any mandated, standard provision unless it is more favorable to the insured.”
Durant v. State Farm Mut. Auto. Ins. Co., 419 P.3d 400 (Wash. 2018). “3d 1237 (2016) (citing RCW 48.18.130(2) ); see also Liberty Mut.”
Blackburn v. State Farm Mut. Auto. Ins., 697 P.2d 425 (Idaho 1985). · cites it 2× “030 and RCW 48.18.130(2). Cammel v. State Farm Mut.”
Strunk v. State Farm Mut. Auto. Ins., 580 P.2d 622 (Wash. 1978). “The court further stated at page 333: Read into the insurance contract as a public policy designed to expand uninsured motorist coverage to a significantly greater proportion of the population, the statute [RCW 48.22.030] should receive from the courts a construction that will…”
Am. States Ins. v. Milton, 573 P.2d 367 (Wash. 1978). “030 and RCW 48.18.130(2) required that each automohile liability insurance policy issued in Washington offer uninsured motorist coverage of $15,000 per person and $30,000 per accident.”
Orsi v. Aetna Ins., 703 P.2d 1053 (Wash. Ct. App. 1985). “The meaning of "reasonable concurrency" is clarified by RCW 48.18.130, which reads, in pertinent part: The commissioner may waive the required use of a particular standard provision in a particular insurance con *244 tract form if (a) he finds such provision unnecessary for the…”
Riordan v. Com. Travelers Mut. Ins., 525 P.2d 804 (Wash. Ct. App. 1974). “Except as provided in RCW 48.18.130, no such policy delivered or issued for delivery to any person in this state shall contain provisions respecting the matters set forth in RCW 48.”
Maurer v. Grange Ins. Ass'n, 567 P.2d 253 (Wash. Ct. App. 1977). · cites it 3× “A literal reading of the statute precludes any suggestion this requirement is satisfied by a single uninsured motorist coverage in these amounts when the injured person is insured under more than one policy applicable to the accident.”
Bushnell v. Medico Ins. Co., 246 P.3d 856 (Wash. Ct. App. 2011). “" RCW 48.18.130(2) provides that "[n]o insurance contract shall contain any provision inconsistent with or contradictory to any such standard provision used or required to be used.”
Bushnell v. Medico Ins., 159 Wash. App. 874 (Wash. Ct. App. 2011). “” RCW 48.18.130(2) provides that “[n]o *883 insurance contract shall contain any provision inconsistent with or contradictory to any such standard provision used or required to be used.”
Show all 19 citing cases →
— Wash. Rev. Code § 48.18.130(1) — 2 cases
Kroeber v. GEICO Ins. Co., 366 P.3d 1237 (Wash. 2016). “RCW 48.18.130(1). No insur- *930 anee contract can contain an inconsistent or contradictory-term to any mandated, standard provision unless it is more favorable to the insured.”
Kroeber v. Geico Ins. Co. (Wash. 2016).
— Wash. Rev. Code § 48.18.130(2) — 14 cases
Federated Am. Ins. v. Raynes, 563 P.2d 815 (Wash. 1977). “030 and RCW 48.18.130(2) 4 require the minimum uninsured motorist coverage of $15,000 per person and $30,000 per accident for each policy issued to the insured.”
Transamerica Ins. Grp. v. United Pac. Ins., 593 P.2d 156 (Wash. 1979). “490(2)(b) and RCW 48.18.130(2). Concerning the first issue we note the trial court ruled that because Rea's attempt to remove his rifle from the gun rack amounted to "unloading" the truck, coverage was excluded under that portion of the United policy set forth in footnote 1.”
Durant v. State Farm Mut. Auto. Ins. Co., 419 P.3d 400 (Wash. 2018). “3d 1237 (2016) (citing RCW 48.18.130(2) ); see also Liberty Mut.”
Blackburn v. State Farm Mut. Auto. Ins., 697 P.2d 425 (Idaho 1985). “030 and RCW 48.18.130(2). Cammel v. State Farm Mut.”
Kroeber v. GEICO Ins. Co., 366 P.3d 1237 (Wash. 2016). “RCW 48.18.130(1). No insur- *930 anee contract can contain an inconsistent or contradictory-term to any mandated, standard provision unless it is more favorable to the insured.”
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