WA HB2394

Classifies insurance fraud as a class B felony, with each instance constituting a separate offense that can be prosecuted in any county where the crime occurred, the accused resides, a victim resides, or an impacted insurer has its primary place of business

Expands the definition of insurance fraud to include billing for services not rendered, using improper medical billing codes, misrepresenting damage repair costs, impersonating persons or businesses in insurance transactions, misappropriating premium funds, and biased appraisal practices

Broadens the definition of "insurer" to include insurance companies, disability insurers, health care service contractors, and health maintenance organizations regulated under various RCW chapters

Requires certified public accountants, law enforcement agencies, and financial service regulatory entities to report suspected insurance fraud to the commissioner, and requires businesses financing insurance premiums to submit executed agreements within 30 calendar days

Establishes a 10-year statute of limitations for insurance fraud prosecutions (from commission or discovery, whichever is later) and expands restitution eligibility to include insured persons, insurance consumers, and beneficiaries as victims