RCW 48.18.553
Victims of hate crime offenses—Restrictions of underwriting actions—Definitions.
(1) For the purposes of this section:
(a) "Insured" means a current policyholder or a person or entity that is covered under the insurance policy.
(b) "Hate crime offense" has the same meaning as RCW 9A.36.080. Under this section, the perpetrator does not have to be identified for a hate crime offense to have occurred.
(c) "Underwriting action" means an insurer:
(i) Cancels or refuses to renew an insurance policy; or
(ii) Changes the terms or benefits in an insurance policy.
(2) This section applies to property insurance policies if the insured is:
(a) An individual;
(b) A religious organization;
(c) An educational organization; or
(d) Any other nonprofit organization that is organized and operated for religious, charitable, or educational purposes.
(3) An insurer may not take an underwriting action on a policy described in subsection (2) of this section because an insured has made one or more insurance claims for any loss that occurred during the preceding sixty months that is the result of a hate crime offense. An insurer may take an underwriting action due to other factors that are not prohibited by this subsection.
(4) If an insured sustains a loss that is the result of a hate crime offense, the insured must file a report with the police or other law enforcement authority within thirty days of discovery of the incident, and a law enforcement authority must determine that a crime has occurred. The report must contain sufficient information to provide an insurer with reasonable notice that the loss was the result of a hate crime offense. The insured has a duty to cooperate with any law enforcement official or insurer investigation.
(5) Annually, each insurer must report underwriting actions to the commissioner if the insurer has taken an underwriting action against any insured who has filed a claim during the preceding sixty months that was the result of a hate crime offense. The report must include the policy number, name of the insured, location of the property, and the reason for the underwriting action.
[ 2019 c 271 § 11; 2003 c 117 § 1.]
Structure Revised Code of Washington
Chapter 48.18 - The Insurance Contract.
48.18.020 - Power to contract.
48.18.030 - Insurable interest—Personal insurances—Nonprofit organizations—Rules.
48.18.040 - Insurable interest—Property insurances.
48.18.050 - Named insured—Interest insured.
48.18.060 - Application—Consent—When required.
48.18.070 - Alteration of application.
48.18.080 - Application as evidence.
48.18.090 - Warranties and misrepresentations, effect of.
48.18.100 - Forms of policies—Filing, certification, and approval—Exceptions.
48.18.110 - Grounds for disapproval.
48.18.130 - Standard provisions.
48.18.140 - Contents of policies in general.
48.18.150 - Additional contents.
48.18.160 - Charter or bylaw provisions.
48.18.170 - "Premium" defined.
48.18.180 - Stated premium must include all charges.
48.18.190 - Policy must contain entire contract.
48.18.200 - Limiting actions, jurisdiction.
48.18.210 - Execution of policies.
48.18.220 - Receipt of premium to bind coverage—Contents of receipt.
48.18.230 - Binders—Duration—Premium.
48.18.240 - Binders—Insurance producer's or title insurance agent's liability.
48.18.250 - Underwriters' and combination policies.
48.18.260 - Delivery of policy.
48.18.280 - Renewal of policy.
48.18.290 - Cancellation by insurer.
48.18.2901 - Renewal required—Exceptions.
48.18.291 - Cancellation of private automobile insurance by insurer—Notice—Requirements.
48.18.295 - RCW 48.18.290 through 48.18.297 not to prevent cancellation or nonrenewal, when.
48.18.296 - Contracts to which RCW 48.18.291 through 48.18.297 inapplicable.
48.18.297 - Private passenger automobile defined.
48.18.298 - Disability insurance—Refusal to renew by insurer.
48.18.299 - Disability insurance—Cancellation by insurer.
48.18.300 - Cancellation by insured.
48.18.310 - Cancellation by commissioner.
48.18.320 - Annulment of liability policies.
48.18.340 - Dividends payable to real party in interest.
48.18.350 - Breach of warranty prior to loss—Effect.
48.18.360 - Assignment of policies—Life and disability.
48.18.370 - Payment discharges insurer—Life and disability.
48.18.375 - Assignment of interests under group insurance policy.
48.18.390 - Simultaneous deaths—Payment of proceeds—Life insurance.
48.18.400 - Exemption of proceeds—Disability.
48.18.410 - Exemption of proceeds—Life.
48.18.420 - Exemption of proceeds—Group life.
48.18.430 - Exemption of proceeds, commutation—Annuities.
48.18.440 - Spouse's rights in life insurance policy.
48.18.450 - Life insurance payable to trustee named as beneficiary in the policy.
48.18.452 - Life insurance designating as beneficiary a trustee named by will.
48.18.460 - Proof of loss—Furnishing forms—May require oath.
48.18.470 - Claims administration—Not waiver.
48.18.480 - Discrimination prohibited.
48.18.510 - Validity of noncomplying forms.
48.18.520 - Construction of policies.
48.18.540 - Cancellations, denials, refusals to renew—Written notification.
48.18.543 - Single premium credit insurance—Residential mortgage loan—Restrictions—Definitions.
48.18.547 - Underwriting restrictions that apply to medical malpractice insurance—Rules.
48.18.553 - Victims of hate crime offenses—Restrictions of underwriting actions—Definitions.
48.18.555 - Property insurance—Actions resulting from arson or malicious mischief—Definitions.
48.18.565 - Homeowner's insurance—Foster parent.
48.18.570 - Life insurance—Lawful travel destinations.
48.18.580 - Employer-owned life insurance—Requirements.
48.18.583 - Employer-owned life insurance—Application to policies.
48.18.586 - Employer-owned life insurance—Rules.
48.18.600 - Usage-based insurance—Restrictions on information collected.
48.18.610 - Customer satisfaction benefits.
48.18.900 - Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.