IllinoisHB4160104th General Assembly (2025–2026)HouseWALLET

AUTO INS-RIGHT TO APPRAISAL

Sponsored By: Sponsor information unavailable

Signed by Governor

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

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

Illinois drivers get auto appraisal rights

Starting July 1, 2027, Illinois auto policies issued, renewed, or delivered on or after that date must cover first-party physical damage and give both sides appraisal rights. When you and your insurer dispute the loss amount, either side can demand appraisal in writing; each must choose a qualified, independent appraiser and notify the other within 7 business days. The appraisers try to agree on the loss amount. If they do not agree within 5 business days after appointment, they choose an umpire; if they cannot agree on one within 15 business days, either side can ask a court to appoint one. Any two of the appraisers and umpire can set a binding award, due within 5 business days after the umpire is chosen. You pay for your appraiser, and you and the insurer split the umpire’s cost equally.

Sponsors & Cosponsors

Sponsors

There is no primary sponsor on record.

Cosponsors

  • Celina Villanueva

    Democratic • Senate

  • Darby A. Hills

    Republican • Senate

  • Elgie R. Sims, Jr.

    Democratic • Senate

  • Jeff Keicher

    Republican • House

  • Julie A. Morrison

    Democratic • Senate

  • Laura Fine

    Democratic • Senate

  • Michael W. Halpin

    Democratic • Senate

  • Robert F. Martwick

    Democratic • Senate

  • Suzy Glowiak Hilton

    Democratic • Senate

  • Tracy Katz Muhl

    Democratic • House

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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