Full text of Washington Revised Code of Washington § 48.18.130 — Standard provisions., with citation guidance and answers to common questions.
§ 48.18.130. Standard provisions.
(1) Insurance contracts shall contain such standard provisions as are required by the applicable chapters of this code pertaining to contracts of particular kinds of insurance. The commissioner may waive the required use of a particular standard provision in a particular insurance contract form if
(a) he or she finds such provision unnecessary for the protection of the insured, and inconsistent with the purposes of the contract, and
(b) the contract is otherwise approved by him or her.
(2) No insurance contract shall contain any provision inconsistent with or contradictory to any such standard provision used or required to be used, but the commissioner may, except as to the standard provisions of individual disability insurance contracts as required under chapter
48.20 RCW, approve any provision which is in his or her opinion more favorable to the insured than the standard provision or optional standard provision otherwise required. No endorsement, rider, or other documents attached to such contract shall vary, extend, or in any respect conflict with any such standard provision, or with any modification thereof so approved by the commissioner as being more favorable to the insured.
(3) In lieu of the standard provisions required by this code for contracts for particular kinds of insurance, substantially similar standard provisions required by the law of a foreign or alien insurer's domicile may be used when approved by the commissioner.
Notes
Standard provisions
disability: Chapter
48.20 RCW.
group and blanket disability: Chapter
48.21 RCW.
group life and annuities: Chapter
48.24 RCW.
industrial life: Chapter
48.25 RCW.
life insurance and annuities: Chapter
48.23 RCW.
Frequently Asked Questions About Washington § 48.18.130
What does Revised Code of Washington § 48.18.130 cover?
Section 48.18.130 ("Standard provisions.") is part of the Revised Code of Washington, the codified statutory law of Washington. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Washington § 48.18.130?
A common citation format is "Revised Code of Washington § 48.18.130" (Washington). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Washington law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Washington official source linked on this page or consult a licensed Washington attorney.
How does Washington § 48.18.130 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Washington can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Washington.
