WAC 284-29A-050. Unfairly discriminatory rates

Situations in which the rates are unfairly discriminatory under RCW 48.29.143 (1) include, but are not limited to: (1) Negotiation or bidding of price; (2) Rating rules that do not have a definite charge for every bracket of coverage; (3) Discounts not provided to all qualifying risks; (4) Rating plans in which policies: (a) Generating higher premiums subsidize smaller policies; or (b) From one geographical area subsidize those from another geographical area. (5) A title insurer's application of more than one rate schedule to similarly situated risks in a county or other defined geographical area. For example, it is unfairly discriminatory for a title insurer to use different rate schedules for business produced by different title insurance agents in a specific rating territory.