WA

Washington Insurance Regulations

Consumer rights and insurance laws in Washington

Overview

Washington Office of the Insurance Commissioner is the only statewide elected insurance commissioner position in the Pacific Northwest. Washington follows pure comparative fault and requires PIP coverage on all auto policies.

Key Insurance Regulations in Washington

Pure comparative fault — recover regardless of fault percentage
3-year statute of limitations for personal injury and property damage
Mandatory auto insurance: 25/50/10 minimum liability with PIP

Filing an Insurance Complaint in Washington

If you believe your insurance company has acted unfairly or violated Washington insurance laws, you can file a complaint with the Washington Office of the Insurance Commissioner. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Washington Office of the Insurance Commissioner typically responds to complaints within 30 days.

Washington Office of the Insurance Commissioner

Insurance Commissioner: Mike Kreidler

Phone: (800) 562-6900

Website: https://www.insurance.wa.gov

File a Complaint: Consumer Complaint Portal

Diminished value claims in Washington

Yes. In Washington you can claim diminished value from the at-fault driver's insurer, and in Moeller v. Farmers Insurance Co. of Washington (2011) the Washington Supreme Court held that one insurer's own auto policy covered the diminished value of a repaired car. You have three years to sue for injury to personal property (RCW 4.16.080(2)), and Washington's pure comparative fault rule reduces, but does not bar, your recovery if you were partly at fault.

Read the Washington diminished value guide

Insurance Claim Guides for Washington

Browse our detailed insurance claim guides tailored specifically to Washington laws and regulations.

Auto Insurance Claims in Washington Home Insurance Claims in Washington Health Insurance Appeals in Washington Insurance Denial Letter Templates in Washington Demand Letter Guide in Washington Insurance Settlement Calculator Guide in Washington Diminished Value Claims in Washington Total Loss Dispute Guide in Washington Bad Faith Insurance Claims in Washington Underinsured Motorist Claims in Washington Uninsured Motorist Claims in Washington Rental Car Insurance Coverage in Washington GAP Insurance Claims in Washington Insurance Subrogation Explained in Washington PIP (Personal Injury Protection) Guide in Washington Bodily Injury Claims in Washington Property Damage Claims in Washington Liability Claim Process in Washington Comprehensive Insurance Claims in Washington Collision Insurance Claims in Washington Flood Insurance Claims in Washington Fire Insurance Claims in Washington Theft Insurance Claims in Washington Vandalism Insurance Claims in Washington Auto Glass Insurance Claims in Washington Hail Damage Insurance Claims in Washington Wind Damage Insurance Claims in Washington Water Damage Insurance Claims in Washington Mold Insurance Claims in Washington Roof Damage Insurance Claims in Washington Foundation Damage Claims in Washington Sinkhole Insurance Claims in Washington Earthquake Insurance Guide in Washington Hurricane Insurance Claims in Washington Tornado Damage Insurance Claims in Washington Lightning Damage Insurance Claims in Washington Tree Damage Insurance Claims in Washington Fence Damage Insurance Claims in Washington Appliance Breakdown Claims in Washington Identity Theft Insurance Claims in Washington Cyber Insurance Claims in Washington Pet Insurance Claims in Washington Travel Insurance Claims in Washington Life Insurance Disputes in Washington Disability Insurance Claims in Washington Workers' Compensation Claims in Washington Long-Term Care Insurance Claims in Washington Dental Insurance Appeals in Washington Vision Insurance Claims in Washington Prescription Drug Appeals in Washington Accident Scene Documentation in Washington Insurance Adjuster Tactics in Washington Diminished Value Calculator Guide in Washington Total Loss Vehicle Valuation in Washington CCC Valuation Report Explained in Washington Pain and Suffering Calculation in Washington Medical Bills in Auto Claims in Washington Lost Wages Insurance Claims in Washington Filing a Bad Faith Insurance Lawsuit in Washington When to Hire a Car Accident Lawyer in Washington Insurance Claim Timeline Guide in Washington Independent Vehicle Appraisal Guide in Washington Appraisal Clause in Auto Insurance in Washington Diminished Value by State in Washington Total Loss Threshold by State in Washington Rental Car After an Accident in Washington Your Rights During Car Repairs in Washington OEM Parts in Insurance Claims in Washington Insurance Negotiation Tactics in Washington Demand Package for Auto Claims in Washington Common Insurance Claim Denial Reasons in Washington Statute of Limitations for Auto Claims in Washington Filing Claims in No-Fault States in Washington At-Fault Accident Claims in Washington Comparative Negligence in Claims in Washington Uninsured Motorist Property Damage in Washington Hit and Run Insurance Claims in Washington Parking Lot Accident Claims in Washington Rideshare Accident Insurance Claims in Washington Commercial Vehicle Accident Claims in Washington Deer Collision Insurance Claims in Washington Flood Car Damage Claims in Washington Catalytic Converter Theft Claims in Washington Car Break-In Insurance Claims in Washington Tire Blowout Accident Claims in Washington Pothole Damage Insurance Claims in Washington Hail Damage Car Claims in Washington How to Review Your Auto Insurance Policy in Washington Auto Insurance Coverage Gaps in Washington Multi-Vehicle Accident Claims in Washington Disputing Fault Determination in Washington Filing an Insurance Commissioner Complaint in Washington Negotiating Diminished Value Claims in Washington Fighting a Total Loss Declaration in Washington Bodily Injury Settlement Guide in Washington Insurance Fraud Prevention Guide in Washington Substandard Auto Repair Claims in Washington Total Loss Buy-Back Process in Washington Insurance Claims After a DUI in Washington Commercial Auto Insurance Claims in Washington Storage Unit Insurance Claims in Washington

Need Help with an Insurance Claim in Washington?

InsurifyAI provides claim assistance tailored to Washington insurance laws. Get demand letters, settlement estimates, and step-by-step guidance.

Get Started Free