IllinoisHB4160104th General Assembly (2025–2026)HouseWALLET

AUTO INS-RIGHT TO APPRAISAL

Sponsored By: Sponsor information unavailable

Became Law

Summary

Amends the Illinois Insurance Code. Provides that every automobile insurance policy issued, renewed, or delivered in Illinois that includes first-party coverage for physical damage shall contain a provision granting either the insured or the insurer the right to invoke appraisal in the event of a dispute over (i) the actual cash value or amount of a loss, including repairable or total loss amounts; or (ii) the value of a settlement offer made to a third-party claimant. Sets forth provisions concerning the selection of appraisers; appointment of an umpire in the event of a disagreement between appraisers; issuance of the award following the appraisal; the binding effect of an agreement between appraisers or one appraiser and the umpire; cost allocation and consumer protections; the right of appraisal for third-party claimants; and enforcement and penalties. Creates the Automotive Appraisal Standards Advisory Board to provide guidance on rulemaking, enforcement priorities, and best practices. Sets forth membership provisions and provides that the Board shall meet no less than quarterly and may issue nonbinding recommendations to the Department of Insurance regarding updates to rules and emerging trends impacting fair claim resolution. Requires the Department to publish meeting summaries and any formal recommendations on its public website. Provides that the Department may adopt rules necessary to implement and enforce provisions concerning the right to appraisal. Effective 90 days after becoming law.

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 1 benefits, 1 costs, 0 mixed.

New appraisal right for auto claims

Beginning July 1, 2027, Illinois auto policies issued, renewed, or delivered on or after that date with first‑party physical damage let you demand appraisal without the insurer’s consent when you dispute the loss amount. Either side can send a written demand. After a demand, each side has 7 business days to pick a competent, disinterested appraiser and give written notice. If the appraisers do not agree on the loss within 5 business days, they must choose an umpire; if they cannot agree on an umpire within 15 business days after that disagreement, either side can ask a court to appoint one. An award must be issued within 5 business days after the umpire is chosen, and any two of the three decision‑makers control the binding award.

You pay your auto appraiser

In an appraisal, you pay your own appraiser. The insurer pays its appraiser. You and the insurer split the umpire’s cost 50/50. This applies to appraisal proceedings under Illinois auto policies issued, renewed, or delivered on or after July 1, 2027.

Sponsors & Cosponsors

Sponsors

There is no primary sponsor on record.

Cosponsors

  • Celina Villanueva

    Affiliation unavailable

  • Darby A. Hills

    Affiliation unavailable

  • Elgie R. Sims, Jr.

    Affiliation unavailable

  • Jeff Keicher

    Affiliation unavailable

  • Julie A. Morrison

    Affiliation unavailable

  • Laura Fine

    Affiliation unavailable

  • Michael W. Halpin

    Affiliation unavailable

  • Robert F. Martwick

    Affiliation unavailable

  • Suzy Glowiak Hilton

    Affiliation unavailable

  • Tracy Katz Muhl

    Affiliation unavailable

Roll Call Votes

All Roll Calls

Yes: 288 • No: 50

House vote 5/31/2026

Senate Committee Amendment No. 2 House Concurs

Yes: 115 • No: 0

House vote 5/29/2026

Senate Committee Amendment No. 2 Motion to Concur Recommends Be Adopted Insurance Committee;

Yes: 16 • No: 0

Senate vote 5/28/2026

Third Reading - Passed;

Yes: 56 • No: 2

Senate vote 5/19/2026

Do Pass as Amended Insurance;

Yes: 8 • No: 0

House vote 4/14/2026

Third Reading - Short Debate - Passed

Yes: 73 • No: 38

House vote 4/9/2026

House Floor Amendment No. 1 Recommends Be Adopted Insurance Committee;

Yes: 10 • No: 6

House vote 3/18/2026

Do Pass / Short Debate Insurance Committee;

Yes: 10 • No: 4

Actions Timeline

  1. Public Act . . . . . . . . . 104-0767

    8/7/2026House
  2. Effective Date July 1, 2027

    8/7/2026House
  3. Governor Approved

    8/7/2026House
  4. Sent to the Governor

    6/26/2026House
  5. Added as Alternate Co-Sponsor Sen. Elgie R. Sims, Jr.

    6/1/2026Senate
  6. Added as Alternate Co-Sponsor Sen. Laura Fine

    5/31/2026Senate
  7. Added as Alternate Co-Sponsor Sen. Celina Villanueva

    5/31/2026Senate
  8. Added as Alternate Co-Sponsor Sen. Suzy Glowiak Hilton

    5/31/2026Senate
  9. Added as Alternate Co-Sponsor Sen. Robert F. Martwick

    5/31/2026Senate
  10. Added as Alternate Co-Sponsor Sen. Michael W. Halpin

    5/31/2026Senate
  11. Added Chief Co-Sponsor Rep. Jeff Keicher

    5/31/2026House
  12. Passed Both Houses

    5/31/2026House
  13. House Concurs

    5/31/2026House
  14. Senate Committee Amendment No. 2 House Concurs 115-000-000

    5/31/2026House
  15. Senate Committee Amendment No. 2 Motion to Concur Recommends Be Adopted Insurance Committee; 016-000-000

    5/29/2026House
  16. Senate Committee Amendment No. 2 Motion to Concur Rules Referred to Insurance Committee

    5/29/2026House
  17. Senate Committee Amendment No. 2 Motion to Concur Referred to Rules Committee

    5/28/2026House
  18. Senate Committee Amendment No. 2 Motion Filed Concur Rep. Tracy Katz Muhl

    5/28/2026House
  19. Placed on Calendar Order of Concurrence Senate Amendment(s) 2

    5/28/2026House
  20. Arrived in House

    5/28/2026House
  21. Senate Committee Amendment No. 1 Tabled Pursuant to Rule 5-4(a)

    5/28/2026Senate
  22. Third Reading - Passed; 056-002-000

    5/28/2026Senate
  23. Added as Alternate Co-Sponsor Sen. Darby A. Hills

    5/28/2026Senate
  24. Rule 2-10 Third Reading Deadline Established As May 31, 2026

    5/22/2026Senate
  25. Placed on Calendar Order of 3rd Reading May 21, 2026

    5/20/2026Senate

Bill Text

  • Engrossed

  • Enrolled

  • House Amendment 1

  • Introduced

  • Senate Amendment 1

  • Senate Amendment 2

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