Washington HB1645 mandates appraisal provisions in automobile insurance policies to resolve disputes over loss amounts.

Washington HB1645 introduces a new requirement for automobile insurance policies with first-party coverage for physical damage, effective January 1, 2026. These policies 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 process involves each party selecting an appraiser, who then appoints an umpire if they cannot agree. If the appraisers cannot agree on the loss amount, the umpire resolves the dispute.

Washington HB1645 mandates appraisal provisions in automobile insurance policies to resolve disputes over loss amounts.

Washington HB1645 introduces a new requirement for automobile insurance policies with first-party coverage for physical damage, effective January 1, 2026. These policies 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 process involves each party selecting an appraiser, who then appoints an umpire if they cannot agree. If the appraisers cannot agree on the loss amount, the umpire resolves the dispute.