summary
Introduced
02/03/2026
02/03/2026
In Committee
02/17/2026
02/17/2026
Crossed Over
Passed
Dead
Introduced Session
104th General Assembly
Bill Summary
Amends the Illinois Insurance Code. Provides that a policy of automobile insurance that provides coverage for rental vehicle reimbursement or loss of use shall include coverage that guarantees the insured is provided with a comparable vehicle during the period of loss of use. Provides that this requirement applies to all applicable claims if the insured has elected coverage for rental vehicle reimbursement or loss of use, regardless of whether the loss of use is due to maintenance or is the result of an at-fault motor vehicle crash.
AI Summary
This bill amends the Illinois Insurance Code to ensure that if an auto insurance policy includes coverage for rental vehicle reimbursement or loss of use, it must also guarantee that the insured receives a comparable vehicle during the time they cannot use their own. "Comparable vehicle" is defined as a rental car that is similar in size, model, interior, and utility to the insured's vehicle, and "loss of use" refers to the period when someone is deprived of their motor vehicle while it's being repaired or replaced. This requirement applies to all relevant claims when the insured has opted for this type of coverage, whether their vehicle is unavailable due to routine maintenance or an accident they caused.
Committee Categories
Business and Industry
Sponsors (4)
Last Action
Senate Insurance Committee Hearing (17:00:00 3/10/2026 Room 400) (on 03/10/2026)
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