Enhancing public safety and enforcement of crimes that impact insurance.

SB 6031 updates Washington state's insurance fraud laws to address modern schemes, including medical billing fraud using incorrect CPT/HCPCS codes. It expands the definition of "insurer" to cover more insurance types and defines specific fraud acts - like submitting false medical claims, misrepresenting services, or embezzling premiums - as a class B felony. The bill requires restitution for insurers and victims of fraud, clarifies where cases can be prosecuted, and targets organized fraud impacting both insurers and consumers. It directly affects insurers, health care providers (through medical coding rules), and insurance consumers by strengthening enforcement and penalties for fraudulent activities.