Enhancing consumer protections for automobile insurance coverage.

Introduced

In Committee

Floor

Crossed Over

Passed

Enacted

Overview Bill text 1 History 5 Sponsors

Bill — · 613 words Open full page ↗

H-0768.1

HOUSE BILL 1645

State of Washington

69th Legislature

2025 Regular Session

By Representatives Peterson, Reed, Doglio, Salahuddin, Scott, Berry, Gregerson, Macri, Simmons, and Nance

Read first time 01/28/25. Referred to Committee on Consumer Protection & Business.

AN ACT Relating to enhancing consumer protections for automobile insurance coverage; and adding a new section to chapter 48.18 RCW.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF WASHINGTON:

NEW SECTION. Sec. 1. A new section is added to chapter 48.18 RCW to read as follows:

(1) Every automobile insurance policy that includes first-party coverage for physical damage issued or renewed effective on or after January 1, 2026, must include a provision for the right to an appraisal to resolve disputes between the insurer and the insured regarding the actual cash value and amount of loss on the damaged automobile. The appraisal clause must include the following language, or corresponding language that in the opinion of the commissioner is at least as favorable to the insured:

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PASSAGE PROBABILITY

17.9% Unlikely

Why this number

Stage base In Committee — base rate 41%, measured from WA's completed sessions
Momentum -1 46/100 from the pace of recorded action
Time since last action -22 273 days quiet

A transparent scoring model over stage, momentum, recency, sponsorship and recorded votes — not a trained predictor. Treat it as a way to rank attention, not as a forecast.