State statute · Washington

Unfair Practices and Frauds, WHOLE CHAPTER

Chapter 48.30 RCW, Secs. 48.30.010 through 48.30.900

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 48.30 RCW - Unfair Practices and Frauds, WHOLE CHAPTER (Secs. 48.30.010 through 48.30.900) 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 life & health, 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

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RCW § 48.30.010(5) (Cease and desist order)
“If the commissioner has cause to believe that any person is violating any such regulation, the commissioner may order such person to cease and desist therefrom. The commissioner shall deliver such order to such person direct or mail it to the person by registered mail with return receipt requested....”
RCW § 48.30.010(3)(a) (Rule-making reasons statement)
“the commissioner shall identify his or her reasons for defining the method of competition or other act or practice in the conduct of insurance to be unfair or deceptive and shall include a statement outlining these reasons as part of the adopted rule.”
RCW § 48.30.070(1) (Advertising of Financial Condition)
“Every advertisement by or on behalf of any insurer purporting to show its financial condition may be in a condensed form but shall in substance correspond with the insurer's last verified statement filed with the commissioner.”
RCW § 48.30.060 (Insurer Name, Deceptive Use Prohibited)
“No person who is not an insurer shall assume or use any name which deceptively infers or suggests that it is an insurer.”
RCW § 48.30.010(7) (First party claim denial)
“An insurer engaged in the business of insurance may not unreasonably deny a claim for coverage or payment of benefits to any first party claimant. "First party claimant" has the same meaning as in RCW 48.30.015.”
RCW § 48.30.100 (Dividends Not to Be Guaranteed)
“No insurer, insurance producer, title insurance agent, or other person shall guarantee or agree to the payment of future dividends or future refunds of unused premiums or savings in any specific or approximate amounts or percentages on account of any insurance contract.”
RCW § 48.30.150(1)(a)-(b) (Illegal inducements, securities and advisory board contracts)
“No insurer, insurance producer, title insurance agent, or other person shall, as an inducement to insurance, or in connection with any insurance transaction, provide in any policy for, or offer, or sell, buy, or offer or promise to buy or give, or promise, or allow to, or on behalf of, the insured...”
RCW § 48.30.090 (Misrepresentation of Policies)
“No person shall make, issue or circulate, or cause to be made, issued or circulated any misrepresentation of the terms of any policy or the benefits or advantages promised thereby, or the dividends or share of surplus to be received thereon, or use any name or title of any policy or class of...”
RCW § 48.30.140(2) (Rebating, own property or risks exception)
“(2) Subsection (1) of this section shall not apply as to commissions paid to a licensed insurance producer, or title insurance agent for insurance placed on that person's own property or risks.”
RCW § 48.30.133(1)-(2) (Gifts for the referral of insurance business)
“An insurance producer may give to an individual, prizes, goods, wares, gift cards, gift certificates, or merchandise not exceeding one hundred dollars in value per person in any consecutive twelve-month period for the referral of insurance business to the insurance producer, if the giving of the...”
RCW ch. 48.30 § 48.30.070(2) (Advertising of Financial Condition)
“(2) No insurer or person in its behalf shall advertise assets except those actually owned and possessed by the insurer in its own exclusive right, available for the payment of losses and claims, and held for the protection of its policyholders and creditors.”
RCW ch. 48.30 § 48.30.080 (Defamation of Insurer)
“No person shall make, publish, or disseminate, or aid, abet or encourage the making, publishing, or dissemination of any information or statement which is false or maliciously critical and which is designed to injure in its reputation or business any authorized insurer or any domestic corporation...”

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