The Insurance Fair Conduct Act (IFCA) is codified in two places: as subsection (7) of RCW 48.30.010 and the entirety of RCW 48.30.015. But it cannot be read in isolation from the greater body of insurance statutes, chief among them the provision creating the insurer’s statutory duty of good faith, RCW 48.01.030. Click below to see the key statutes.
- RCW 48.01.030: Public interest
- RCW 48.30.010: Unfair practices in general—Remedies and penalties
- RCW 48.30.015: Unreasonable denial of a claim for coverage or payment of benefits
To read the entire Insurance Code, visit the legislature’s website by clicking here.
IFCA contains explicit references to claims-handling regulations, the violation of which will authorize the award of relief to the claimant. These regulations exist among a greater body of claims-handling regulations, which can be found on the Washington State Legislature’s website here.
The regulations identified in IFCA are the following:
- WAC 284-30-330: Specific unfair claims settlement practices defined
- WAC 284-30-350: Misrepresentation of policy provisions
- WAC 284-30-360: Standards for the insurer to acknowledge pertinent communications
- WAC 284-30-370: Standards for prompt investigation of a claim
- WAC 284-30-380: Settlement standards applicable to all insurers.
In addition, there are provisions devoted to scope and definitions: