Bill > HB3755

This bill amends the Illinois Insurance Code to prevent automobile insurance companies from denying comprehensive coverage theft claims based on certain specific circumstances. Under the new law, insurers cannot exclude theft coverage if there is no evidence of forcible entry, if the vehicle was left unlocked, or if the insured left a key or key fob in the vehicle. However, the bill explicitly preserves the insurance company's right to investigate and deny claims that involve fraudulent acts. The insurance company can also use these circumstances (no forcible entry, unlocked vehicle, keys left inside) as potential evidence to support an investigation of fraud. The bill is set to take effect on January 1, 2026, giving insurance companies and consumers time to prepare for the new requirements. The goal appears to be protecting consumers from having legitimate theft claims denied due to circumstances that do not necessarily indicate the theft was staged or fabricated.

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https://www.ilga.gov/legislation/BillStatus.asp?DocNum=3755&GAID=18&DocTypeID=HB&SessionID=114&GA=104