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Bill

SB 6359

Creating a third-party claimant's right to appraisal under automobile liability insurance policies.

2025-2026 Regular Session Introduced by Derek Stanford

SB 6359 grants accident victims the right to request independent damage appraisals under auto liability insurance, potentially reducing settlement disputes but raising claims processing costs.

First reading, referred to Business, Trade & Economic Development.
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Bill Summary · SB 6359

Legislative bill overview

SB 6359 would establish a legal right for third-party claimants (injured parties who aren't the policyholder) to request an independent appraisal of damage estimates under automobile liability insurance policies. Currently, appraisal rights in Washington are typically limited to the policyholder and insurer. This bill would extend that dispute-resolution mechanism to accident victims dealing with insurers.

Why is this important

Third-party claimants often face delays or disputes over repair cost estimates when settling property damage claims. Enabling direct access to appraisal could provide a faster, cheaper alternative to litigation for resolving valuation disagreements. However, it also expands the claims process, potentially increasing administrative costs for insurers that get passed to policyholders.

Potential points of contention

  • Insurer cost concerns: Insurers may argue this increases claims handling expenses and complexity, potentially raising premiums for all policyholders
  • Appraisal process definition: Unclear whether the bill specifies who pays for appraisals, how neutral appraisers are selected, and what standards apply—details that significantly affect practicality
  • Claim settlement incentives: Third parties currently have incentives to settle quickly; appraisal rights could encourage prolonged disputes, delaying resolution for all parties

Compiled from official sources — confirm details with the bill’s official record.

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