summary
Introduced
02/07/2025
02/07/2025
In Committee
06/02/2025
06/02/2025
Crossed Over
Passed
Dead
Introduced Session
Potential new amendment
104th General Assembly
Bill Summary
Amends the Illinois Insurance Code. Provides that any policy of automobile insurance that carries comprehensive coverage may not exclude theft coverage for lack of evidence of forcible entry or for the insured leaving the vehicle unlocked or leaving a key or key fob in the vehicle. Provides that nothing in the provisions prohibits a company from investigating and denying a claim due to fraudulent acts. Effective January 1, 2026.
AI Summary
This bill amends the Illinois Insurance Code to protect consumers by prohibiting automobile insurance companies from denying theft coverage under comprehensive insurance policies in certain situations. Specifically, insurers cannot refuse to cover a theft claim solely because there is no evidence of forcible entry into the vehicle, the vehicle was left unlocked, or the vehicle owner left a key or key fob inside the car. The bill maintains insurers' right to investigate and deny claims that involve fraudulent acts, ensuring that legitimate fraud can still be challenged. The provisions will take effect on January 1, 2026, giving insurance companies time to adjust their policies and practices. The goal appears to be preventing insurance companies from using technicalities to avoid paying legitimate theft claims, thereby providing more comprehensive protection for vehicle owners who experience theft.
Committee Categories
Business and Industry
Sponsors (2)
Last Action
Senate Floor Amendment No. 1 Pursuant to Senate Rule 3-9(b) / Referred to Assignments (on 07/02/2025)
bill text
bill summary
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bill summary
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bill summary
| Document Type | Source Location |
|---|---|
| State Bill Page | https://www.ilga.gov/legislation/BillStatus.asp?DocNum=2415&GAID=18&DocTypeID=SB&SessionID=114&GA=104 |
| Senate Amendment 001 | https://www.ilga.gov/legislation/104/SB/10400SB2415sam001.htm |
| BillText | https://www.ilga.gov/legislation/104/SB/10400SB2415.htm |
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