Wash. Rev. Code » Title 48 · Chapter 48.32
Revised Code of Washington

Wash. Rev. Code § 48.32.010 (2026)

Purpose

✓ current as of May 2026
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The purpose of this chapter is to provide a mechanism for the payment of covered claims to avoid excessive delay in payment and to avoid financial loss to claimants or policyholders under certain policies of insurance covered by the scope of this chapter because of the insolvency of an insurer, to assist in the detection and prevention of insurer insolvencies, and to provide an association to assess the cost of such protection among insurers.
[ 2005 c 100 s 1; 1971 ex.s. c 265 s 1.]
Notes of Decisions
Cited in 13 cases, 1977–2005 · leading case: Washington Ins. Guar. Ass'n v. McKinstry Co., 784 P.2d 190 (Wash. Ct. App. 1990).
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Washington Ins. Guar. Ass'n v. McKinstry Co., 784 P.2d 190 (Wash. Ct. App. 1990). · cites it 4× “The trial court granted WIGA's motion, ruling as a matter of law that "the amount payable on a covered claim which arises because of the insolvency of an excess insurer under RCW 48.32.010 et seq. shall be reduced by the limits of any underlying or primary liability policies…”
Seattle-First Nat'l Bank v. Washington Ins. Guar. Ass'n, 972 P.2d 1282 (Wash. Ct. App. 1999). · cites it 4× “[and] be deemed the insurer to the extent of its obligation on the covered claims and to such extent shall have all rights, duties, and obligations of the insolvent insurer as if the insurer had not become insolvent.”
Seattle-First Nat'l Bank v. Washington Ins. Guar. Ass'n, 804 P.2d 1263 (Wash. 1991). · cites it 2× “22 The insureds also point to the requirement that the act be "liberally construed to effect the purpose under RCW 48.32.010 which shall constitute an aid and guide to interpretation.”
Prutzman v. Armstrong, 579 P.2d 359 (Wash. 1978). “The function of the WIGA is to step into the shoes of an insolvent insurer to protect residents of the state affected by the insolvency, as declared in RCW 48.32.010: "The purpose of this chapter is to provide a mechanism for the payment of covered claims under certain insurance…”
Agency Budget Corp. v. Washington Ins. Guar. Ass'n, 610 P.2d 361 (Wash. 1980). “RCW 48.32.010, .060, .070. All foreign and domestic insurance companies which write direct insurance as specified in RCW 48.”
Washington Ins. Guar. Ass'n v. Dep't of Labor & Indus., 859 P.2d 592 (Wash. 1993). “RCW 48.32.010. 2 The Department argues that this section also exempts application of the Guaranty Act to workers' compensation liens.”
Stamp v. Dep't of Labor & Indus., 859 P.2d 597 (Wash. 1993). “RCW 48.32.010. 3 Both acts also exclude from a covered claim payable by its insurance guaranty association amounts due to any reinsurer, insurer, insurance pool, or underwriting association, either as subrogation or otherwise.”
Washington Ins. Guar. Ass'n v. Mullins, 816 P.2d 61 (Wash. Ct. App. 1991). “Under RCW 48.32.010, the purpose of the Act is to provide a mechanism for the payment of covered claims under certain insurance policies to avoid excessive delay in payment and to avoid financial loss to claimants or policyholders because of the insolvency of an insurer, to…”
Shepard v. Washington Ins. Guar. Ass'n, 84 P.3d 940 (Wash. Ct. App. 2004). · cites it 2× “" RCW 48.32.010. A "[c]overed claim" is defined as, "an unpaid claim .”
Shepard v. Washington Ins. Guar. Ass'n, 120 Wash. App. 263 (Wash. Ct. App. 2004). · cites it 2× “WIGA is “deemed the insurer to the extent of its obligation on the covered claims” and has “to such extent.”
Fed. Old Line Ins. v. McClintick, 569 P.2d 1206 (Wash. Ct. App. 1977). “…of insurer insolvencies, and to provide an association to assess the cost of such protection among insurers." RCW 48.32.010.”
Gallagher v. Sidhu, 109 P.3d 840 (Wash. Ct. App. 2005). “Thus, any offset granted to WIGA necessarily benefits the defendants. ¶20 Furthermore, the Gallaghers’ argument that the parties’ stipulation limited the court’s jurisdiction must fail because litigants cannot stipulate to the power of courts to decide matters of law.”
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