Cancel credit insurance in Washington
General information, not legal advice. Laws change. Facts last checked on 13 November 2026 against the sources linked.
We name no lender and sell nothing.
Credit life and credit disability insurance
If this insurance ends before the loan was due to end, any refund must be paid or credited promptly.
The section of law quoted below says "promptly" and gives no number of days.
Our summary of the law quoted below. Your contract says what applies to you.
Optional? If a lender requires this insurance, you may ask to supply the required insurance yourself; the section quoted does not say whether a lender may require it.
“any refund of an amount paid by the debtor for insurance shall be paid or credited promptly to the person entitled thereto.”
More from the law (1)
“shall, upon request to the creditor, have the option of furnishing the required amount of insurance.”
- Who to ask: Office of the Insurance Commissioner 800-562-6900
Not covered yet
These pages do not yet cover paint and fabric protection, tire and wheel protection, key replacement, theft etching or prepaid maintenance plans, and state no rule for them. For questions, read the contract or ask the offices below.
- Paint and fabric protection
- Tire and wheel protection
- Key replacement
- Theft etching
- Prepaid maintenance plans