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Bill

HB 1199

Strengthening consumer protection through increased insurer accountability for violations of the insurance code.

2025-2026 Regular Session Introduced by Liz Berry and 12 co-sponsors

HB 1199 strengthens consumer protections by increasing penalties and accountability mechanisms for Washington insurance companies that violate state insurance codes.

Public hearing in the House Committee on Consumer Protection & Business at 8:00 AM.
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WeVote Research Nonpartisan
Bill Summary · HB 1199

Legislative bill overview

HB 1199 aims to strengthen consumer protections by increasing accountability measures for insurance companies that violate Washington's insurance code. The bill enhances penalties, enforcement mechanisms, or remedies available to consumers harmed by insurer violations, though specific provisions aren't detailed in the current filing status. This represents part of Washington's ongoing effort to balance insurance industry regulation with consumer rights protection.

Why is this important

Insurance affects nearly all Washington residents through auto, home, health, and other policies, making insurer accountability directly relevant to household financial security. Weak enforcement of insurance code violations can enable companies to systematically underpay claims or deny coverage improperly, leaving consumers with significant out-of-pocket losses. Strengthening accountability mechanisms can deter violations and provide meaningful remedies when they occur.

Potential points of contention

  • Implementation costs: Increased insurer accountability may lead to higher premiums for consumers if compliance costs are passed through, requiring balance between accountability and affordability
  • Regulatory scope clarification: Details matter—whether penalties apply to minor technical violations versus genuine harm, and how discretion is exercised, could significantly affect insurer behavior and litigation
  • Industry competitiveness: Stricter Washington regulations could disadvantage local insurers competing with multistate carriers, potentially reducing market options or driving some insurers out of state

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

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