The attorneys with Althauser Rayan Abbarno, LLP want you to know you have rights against your own insurance company! The Washington State law is called the Insurance Fair Conduct Act.

The Insurance Fair Conduct Act (IFCA) is a law in Washington that gives insureds (YOU) a statutory “bad faith” cause of action against insurers who unreasonably deny coverage. The law makes it illegal for insurance companies to deny insurance claims without good reason or to violate laws that cover unfair claims settlement practices. If an insurance company does so, policyholders have legal recourse to seek punitive damages in court.

For instance, you are involved in a car accident and have Personal Injury Protection or Underinsured Motorist coverage. If your own insurance company denies coverage or does not fully investigate your claim and offer fair compensation, your attorney may begin the process of establishing an IFCA claim against your insurance.

Another example is when you are the at-fault driver in a motor vehicle collision. Your insurance company fails to reasonably resolve the claim within policy limits, fails to inform you of the right to independent counsel, and unreasonably exposes you and your family to a judgement at trail.

It is important to know that your insurance company has a duty to you. When your insurance company breaches that duty, YOU HAVE RIGHTS.

Althauser Rayan Abbarno, LLP

For a consultation with the Althauser Rayan Abbarno, LLP attorneys in their Centralia or Olympia offices, call (360) 736-1301 or visit