American Property Casualty Insurance Association
  • Staff Contact: Nicole Mahrt-Ganley     
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Nicole Mahrt Ganley


916-440-1116 or 916-616-5855





January 27, 2014

Washington Legislature Introduces Bill Facilitating Online Insurance Transactions

PCI supports Washington measure allowing E-Posting and E-Delivery

OLYMPIA, WA – Washington legislators will examine important legislation during the 2014 legislative session that will modernize how insurance transactions are conducted, said the Property Casualty Insurers Association of America (PCI).  HB 2662, authored by State Rep. Derek Stanford (D-Bothell), will enable policyholders to access their insurance policy through their insurer’s website and also receive insurance notices and documents electronically.

“The accessibility of laptops, tablets and smartphones has revolutionized how consumers conduct their personal business.  More and more consumers want to pay bills, interact and service their insurance policies online,” said Kenton Brine, PCI assistant vice president.  “HB 2662 will remove barriers that are preventing insurance customers from going paperless.”

HB 2662 authorizes insurers to conduct all transactions with policyholders over the internet, including applications, renewals, non-renewals and cancelations.  The bill also allows insurers to post generic policy forms and endorsements on a publicly-available website in lieu of providing a copy directly to each policyholder. 

“We are supporting HB 2662 in order to give consumers the flexibility and options they want.  This bill will give consumers a choice if they want to receive their insurance documents through regular mail or via email,” said Brine.  “Insurance policies are well suited to be posted on the web.  Policies are frequently 40 to 50 pages long.  HB 2662 will enable insurers to post those policy contracts on a website so policyholders don’t have to store a paper copy but can still access the policy 24/7.”

If HB 2662 is enacted, Washington will join a growing trend of state modernizing their insurance codes.  Public policymakers around the country recognize the benefits of having insurance policies available electronically. In 2013, 13 states approved laws allowing consumers to access their insurance policy through a website (Alaska, Arizona, Florida, Illinois, Kansas, Michigan, Minnesota, Missouri, Oklahoma, Pennsylvania, Texas, Virginia and Wisconsin).   Also in 2013, 17 states approved legislation allowing electronic delivery of documents and notices (Arkansas, California, Delaware, Florida, Idaho, Kansas, Kentucky, Maryland, Minnesota, Missouri, North Carolina, Pennsylvania, Tennessee, Texas, Virginia, Wisconsin and West Virginia).

“We look forward to working with Washington policymakers to enact HB 2662 and give consumers the flexibility and convenience they want to manage their personal finances,” said Brine.

PCI is composed of more than 1,000 member companies, representing the broadest cross-section of insurers of any national trade association. PCI members write over $195 billion in annual premium, 39 percent of the nation’s property casualty insurance. Member companies write 46 percent of the U.S. automobile insurance market, 32 percent of the homeowners market, 37 percent of the commercial property and liability market, and 41 percent of the private workers compensation market.