Washington Administrative Code Title 284 - Insurance Commissioner, Office of the
Washington Administrative Code (WAC) Title 284 - Insurance Commissioner, Office of the
WAC Title 284 contains the administrative rules adopted by the Office of the Insurance Commissioner (OIC) in Washington State. These rules implement and interpret the state's insurance laws and regulate the insurance industry to ensure compliance, protect consumers, and maintain a fair marketplace.
Key Areas Covered Under Title 284:
Licensing and Regulation of Insurance Companies
Rules for admission, solvency, and financial reporting
Requirements for maintaining licensure in Washington
Health Insurance
Standards for health plans, including the Affordable Care Act (ACA) provisions
Mental health parity, provider networks, and essential health benefits
Producer (Agent/Broker) Licensing
Licensing, continuing education, and disciplinary procedures for producers and brokers
Rate and Form Filings
Procedures for submitting insurance policy forms and rate filings for approval
Consumer Protection
Rules regarding unfair practices, complaint procedures, and consumer rights
Market conduct exams and enforcement actions
Long-Term Care and Life Insurance
Policy standards, disclosures, and marketing rules
Surplus Lines and Unauthorized Insurers
Regulation of non-admitted insurers and surplus lines brokers
Rules for Specific Insurance Lines
Auto, homeowners, credit, and travel insurance, among others
Insurance Adjusters and Consultants
Regulation and ethical standards for those handling claims and advising clients
Electronic Transactions and Records
Use of electronic signatures and digital communications in insurance
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