State statute · Washington

Casualty Insurance (personal injury protection, underinsured and hit-and-run motorist coverage, assigned risk plans)

Chapter 48.22 RCW

Publisher: Washington State Legislature
Edition: Online RCW as last updated July 15, 2026
Last checked: 2026-09-17
Status: WA statutes, public domain

Edition and licensing notes

Publisher. Washington State Legislature (app.leg.wa.gov)

Edition. Online RCW as last updated July 15, 2026 (app.leg.wa.gov RCW landing page: "Last update: July 15, 2026").

Status. WA statutes, public domain (state government edict).

Read the official text Practice questions from this source

What this document is

Chapter 48.22 RCW - Casualty Insurance (personal injury protection, underinsured and hit-and-run motorist coverage, assigned risk plans) is a state statute published by Washington State Legislature (app.leg.wa.gov). It is one of the Washington documents that insurance license exam questions are written from, including washington property & casualty, washington personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

RCW 48.22.030(4) (Underinsured, hit-and-run, phantom vehicle coverage)
“A named insured or spouse may reject, in writing, underinsured coverage for bodily injury or death, or property damage, and the requirements of subsections (2) and (3) of this section shall not apply. If a named insured or spouse has rejected underinsured coverage, such coverage shall not be...”
RCW 48.22.030(8) (Underinsured, hit-and-run, phantom vehicle coverage, Definitions)
“For the purposes of this chapter, a "phantom vehicle" shall mean a motor vehicle which causes bodily injury, death, or property damage to an insured and has no physical contact with the insured or the vehicle which the insured is occupying at the time of the accident if: (a) The facts of the...”
RCW 48.22.085(1), (2), (2)(a), (2)(b) (Automobile liability insurance policy, Optional coverage for personal injury protection, Rejection by insured)
“(1) No new automobile liability insurance policy or renewal of such an existing policy may be issued unless personal injury protection coverage is offered as an optional coverage. (2) A named insured may reject, in writing, personal injury protection coverage and the requirements of subsection (1)...”
RCW 48.22.090 (Personal injury protection coverage, Exceptions)
“An insurer is not required to provide personal injury protection coverage to or on behalf of: (1) A person who intentionally causes injury to himself or herself; (2) A person who is injured while participating in a prearranged or organized racing or speed contest or in practice or preparation for...”
RCW 48.22.030(7)(a), (b) (Underinsured, hit-and-run, phantom vehicle coverage)
“(7)(a) The policy may provide for a deductible of not more than three hundred dollars for payment for property damage when the damage is caused by a hit-and-run driver or a phantom vehicle. (b) In all other cases of underinsured property damage coverage, the policy may provide for a deductible of...”
RCW 48.22.040(2) (Underinsured motor vehicle coverage where liability insurer is insolvent)
“An insurer's insolvency protection shall be applicable only to accidents occurring during a policy period in which its insured's underinsured motorist coverage is in effect where the liability insurer of the tort-feasor becomes insolvent within three years after such an accident.”
RCW 48.22.020 (Assigned risk plans)
“The commissioner shall after consultation with the insurers licensed to write motor vehicle liability insurance in this state, approve a reasonable plan or plans for the equitable apportionment among such insurers of applicants for such insurance who are in good faith entitled to but are unable to...”
RCW 48.22.005(6) (Definitions)
“(6) "Loss of services benefits" means reimbursement for payment to others, not members of the insured's household, for expenses reasonably incurred for services in lieu of those the insured would usually have performed for his or her household without compensation, provided the services are...”
RCW 48.22.030(8) (Underinsured, hit-and-run, phantom vehicle coverage)
“(8) For the purposes of this chapter, a "phantom vehicle" shall mean a motor vehicle which causes bodily injury, death, or property damage to an insured and has no physical contact with the insured or the vehicle which the insured is occupying at the time of the accident if: (a) The facts of the...”
RCW 48.22.030(7)(a) and (7)(b) (Underinsured, hit-and-run, phantom vehicle coverage, Deductibles)
“(7)(a) The policy may provide for a deductible of not more than three hundred dollars for payment for property damage when the damage is caused by a hit-and-run driver or a phantom vehicle. (b) In all other cases of underinsured property damage coverage, the policy may provide for a deductible of...”
RCW 48.22.030(3) (Underinsured, hit-and-run, phantom vehicle coverage)
“(3) Except as to property damage, coverage required under subsection (2) of this section shall be in the same amount as the insured's third party liability coverage unless the insured rejects all or part of the coverage as provided in subsection (4) of this section. Coverage for property damage...”
RCW 48.22.090(7) (Personal injury protection coverage, Exceptions)
“(7) An insured whose bodily injury results or arises from the insured's use of an automobile in the commission of a felony.”

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Questions about this source

Chapter 48.22 RCW - Casualty Insurance (personal injury protection, underinsured and hit-and-run motorist coverage, assigned risk plans) is a state statute published by Washington State Legislature (app.leg.wa.gov). Edition: Online RCW as last updated July 15, 2026 (app.leg.wa.gov RCW landing page: "Last update: July 15, 2026")..

No. This page summarizes the document and links to the official version. Always rely on the text published by Washington State Legislature (app.leg.wa.gov) for the current law.

Practice questions for Washington Property & Casualty, Washington Personal Lines cite this document.

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