The ninth-circuit affirmed in part and reversed in part the district court’s summary judgment for American Strategic Insurance Corp. (ASI) regarding a dispute over an insurance policy lapse following nonpayment, which resulted in a home fire loss. The court applied de novo review to legal conclusions and abuse of discretion review to evidentiary rulings. The court affirmed the dismissal of claims related to notice and consent, renewal notice requirements, the admissibility of an employee declaration, the method of insurance registration, and electronic clickwrap consent. Regarding notice and consent, the court held that Washington law allows one spouse to impliedly consent to transactions conducted by the other, rendering separate notices unnecessary when the husband acted with authority for both spouses; furthermore, email delivery was deemed equivalent to postal mail under Wash. Rev. Code § 48.185.005(3). The court found the renewal notice statutorily sufficient despite misidentifying the payor, as it clearly communicated the willingness to renew and the premium amount required. The court also upheld the district court’s admission of the O’Nuallain declaration under Federal Rule of Civil Procedure 56(c)(2), rejecting the argument that “belief” negated personal knowledge for business records authentication. Regarding registration and consent, the court ruled that ASI’s business records rebutted Mr. Hughes’s conclusory assertion that he applied solely by phone, establishing a computer completion as undisputed fact. The court further determined the clickwrap agreement was enforceable under Washington law because the terms were reasonably conspicuous, required affirmative action (clicking a box), and adequately specified the types of documents and hardware/software requirements for electronic access. The court reversed the summary judgment on the claim brought under the Washington Consumer Protection Act (WCPA). The court reasoned that the WCPA must be liberally construed to serve its beneficial purposes and found that ASI’s agent, Progressive, sent a cover email regarding policy renewal that used boilerplate language suggesting coverage was active, while the attached document alone notified the insured of the lapse. The court held that this discrepancy created a potential issue of material fact regarding whether the communication was misleading under the WCPA and whether it proximately caused harm. Consequently, the case is remanded to the district court for further proceedings consistent with this memorandum disposition to allow for a proper analysis of the WCPA claim.