# Illinois SB2415: INS CD-AUTOMOBILE THEFT

Illinois SB2415, INS CD-AUTOMOBILE THEFT, is a 104th General Assembly (2025–2026) Senate bill sponsored by Julie A. Morrison (Democratic); status in committee, last action 2025-07-02 (Senate Floor Amendment No. 1 Pursuant to Senate Rule 3-9(b) / Referred to Assignments); PRIA reads it as touching household money (as of 2026-11-01).

- Canonical: https://policyrisk.com/state-bill/IL-SB2415-2025-2026
- As of: 2026-11-01
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Illinois SB2415
- State: Illinois
- Session: 104th General Assembly (2025–2026)
- Title: INS CD-AUTOMOBILE THEFT
- Status: in committee
- Chamber: Senate
- Introduced: 2025-02-07
- Last action: 2025-07-02, Senate Floor Amendment No. 1 Pursuant to Senate Rule 3-9(b) / Referred to Assignments
- Sponsor: Julie A. Morrison (Democratic)
- Cosponsors: 1
- Subjects: assignments, insurance
- Touches household money: yes
- Roll calls: 1 (14 yes, 0 no in all)
- Economic provisions PRIA read: 0

## 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.

## Bill overview

No economic impacts identified for this bill.

## Sponsors and cosponsors

- Sponsor: Julie A. Morrison (Democratic), Senate
- Cosponsor: Mike Simmons (Democratic), Senate

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2025-03-19 | Senate | Do Pass Insurance; | pass | 14 | 0 |   |

## Actions (17)

- 2025-07-02: Senate Floor Amendment No. 1 Pursuant to Senate Rule 3-9(b) / Referred to Assignments (Senate)
- 2025-06-02: Rule 3-9(a) / Re-referred to Assignments (Senate)
- 2025-05-23: Rule 2-10 Third Reading Deadline Established As June 1, 2025 (Senate)
- 2025-05-09: Rule 2-10 Third Reading Deadline Established As May 23, 2025 (Senate)
- 2025-04-11: Rule 2-10 Third Reading Deadline Established As May 9, 2025 (Senate)
- 2025-04-10: Placed on Calendar Order of 3rd Reading April 11, 2025 (Senate)
- 2025-04-10: Second Reading (Senate)
- 2025-04-09: Added as Chief Co-Sponsor Sen. Mike Simmons (Senate)
- 2025-04-08: Senate Floor Amendment No. 1 Assignments Refers to Insurance (Senate)
- 2025-04-04: Senate Floor Amendment No. 1 Referred to Assignments (Senate)
- 2025-04-04: Senate Floor Amendment No. 1 Filed with Secretary by Sen. Julie A. Morrison (Senate)
- 2025-03-19: Placed on Calendar Order of 2nd Reading March 20, 2025 (Senate)
- 2025-03-19: Do Pass Insurance; 014-000-000 (Senate)
- 2025-03-04: Assigned to Insurance (Senate)
- 2025-02-07: Referred to Assignments (Senate)
- 2025-02-07: First Reading (Senate)
- 2025-02-07: Filed with Secretary by Sen. Julie A. Morrison (Senate)

## Bill text

- Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2415.pdf)
- Senate Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2415sam001.pdf)

## Related bills

- HB5198: AFFORDABLE HOUSING-CILAS (passed house)
- SB1937: PENSION CODE-VARIOUS (passed senate)
- HB2563: CONDO-RESERVE STUDY (in committee)
- HB4701: LIMITATIONS FACILITY FEES ACT (in committee)
- SB3008: DHS-ABLE PROGRAM INFO MATERIAL (passed senate)
- SB3484: VEH CD-PLATES-REGISTRATION (signed)

## Sources
- [Introduced (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2415.pdf)
- [Senate Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2415sam001.pdf)

## Related
- [HB5198: AFFORDABLE HOUSING-CILAS](https://policyrisk.com/state-bill/IL-HB5198-2025-2026)
- [SB1937: PENSION CODE-VARIOUS](https://policyrisk.com/state-bill/IL-SB1937-2025-2026)
- [HB2563: CONDO-RESERVE STUDY](https://policyrisk.com/state-bill/IL-HB2563-2025-2026)
- [HB4701: LIMITATIONS FACILITY FEES ACT](https://policyrisk.com/state-bill/IL-HB4701-2025-2026)
- [SB3008: DHS-ABLE PROGRAM INFO MATERIAL](https://policyrisk.com/state-bill/IL-SB3008-2025-2026)
- [SB3484: VEH CD-PLATES-REGISTRATION](https://policyrisk.com/state-bill/IL-SB3484-2025-2026)
- [Illinois bills](https://policyrisk.com/states/illinois/bills)
- [Illinois state hub](https://policyrisk.com/states/illinois)
- [All state legislation](https://policyrisk.com/state-bills)

Source: PRIA, https://policyrisk.com/state-bill/IL-SB2415-2025-2026 (as of 2026-11-01).