Chapter 215 — INSURANCE

(215 ILCS 5/141a) (from Ch. 73, par. 753a) Sec. 141a. Managing general agents and retrospective compensation agreements. (a) As used in this Section, the following terms have the following meanings: "Actuary" means a person who is a member in good standing of the American Academy…

(215 ILCS 5/141b) Sec. 141b. Third party access to files. Any contract with a third party ("administrator") to provide claim services for a property and casualty company must contain the following provisions: (1) Upon liquidation or rehabilitation of the insurer, the files and an…

(215 ILCS 5/142) (from Ch. 73, par. 754) Sec. 142. Notice of amendment or change in by-laws. Subject to the provisions of section 292.1 applicable to fraternal benefit societies, notice of any amendment or change in a company's by-laws setting forth such amendment or change, cert…

(215 ILCS 5/143) (from Ch. 73, par. 755) Sec. 143. Policy forms. (1) Life, accident and health. No company transacting the kind or kinds of business enumerated in Classes 1 (a), 1 (b) and 2 (a) of Section 4 shall issue or deliver in this State a policy or certificate of insurance…

(215 ILCS 5/143.01) (from Ch. 73, par. 755.01) Sec. 143.01. (a) A provision in a policy of vehicle insurance described in Section 4 excluding coverage for bodily injury to members of the family of the insured shall not be applicable when a third party acquires a right of contribu…

(215 ILCS 5/143.1) (from Ch. 73, par. 755.1) Sec. 143.1. Periods of limitation tolled. Whenever any policy or contract for insurance, except life, accident and health, fidelity and surety, and ocean marine policies, contains a provision limiting the period within which the insure…

(215 ILCS 5/143.10) (from Ch. 73, par. 755.10) Sec. 143.10. No company shall cancel or refuse to issue or renew a policy on the sole basis that the insured or applicant for such policy was previously refused issuance or renewal of a policy by any insurer, or such insured's policy…

(215 ILCS 5/143.10a) (from Ch. 73, par. 755.10a) Sec. 143.10a. Loss Information. (1) All companies issuing policies to which Section 143.11 of this Code applies, except for those defined in subsections (a), (b) and (c) of Section 143.13 of this Code and to which subsection (o) of…

(215 ILCS 5/143.10b) (from Ch. 73, par. 755.10b) Sec. 143.10b. Loss information, private passenger automobile. (1) All companies issuing a "policy of automobile insurance" as defined in paragraph (a) of Section 143.13 of this Code shall, on or after January 1, 1990, provide the f…

(215 ILCS 5/143.10c) (from Ch. 73, par. 755.10c) Sec. 143.10c. No insurance company that is authorized to do business in this State and which issues policies for personal multiperil property coverage, commonly known as homeowners insurance, may refuse to issue or renew a homeowne…

(215 ILCS 5/143.10d) Sec. 143.10d. (Repealed). (Source: P.A. 102-328, eff. 1-1-22. Repealed by P.A. 103-11, eff. 6-9-23.)

(215 ILCS 5/143.10e) Sec. 143.10e. Home property insurance; dog breeds. (a) With respect to homeowner's insurance policies and renter's insurance policies issued, renewed, modified, altered, or amended on or after the effective date of this amendatory Act of the 103rd General Ass…

(215 ILCS 5/143.11) (from Ch. 73, par. 755.11) Sec. 143.11. Cancellation Provisions. All companies authorized to transact in this State the kinds of business enumerated in Section 4 of the "Illinois Insurance Code" shall include in their policies, except life, accident and health…

(215 ILCS 5/143.11a) (from Ch. 73, par. 755.11a) Sec. 143.11a. Termination of Lines of Business. No company authorized to transact, in this State, the kinds of business enumerated in Section 4 of this Code, except life, accident and health, fidelity and surety, and ocean marine p…

(215 ILCS 5/143.11b) Sec. 143.11b. Assignment or transfer of property and casualty policies. An assignment or transfer of a policy of insurance to which Section 143.11 applies among or between insurers within an insurance holding company system or insurers under common management…

(215 ILCS 5/143.12) (from Ch. 73, par. 755.12) Sec. 143.12. "Short rate" cancellation. Notice required. No agent, broker or other representative or employee of any insurance company shall recommend, advise, suggest or require the cancellation of any insurance policy of the insure…

(215 ILCS 5/143.12a) (from Ch. 73, par. 755.12a) Sec. 143.12a. Automobile insurance; pro rata refund of unearned premium. (a) In the event of the cancellation of a policy of automobile insurance, as defined in Section 143.13, by either the company or the policyholder, the company…

(215 ILCS 5/143.13) (from Ch. 73, par. 755.13) Sec. 143.13. Definition of terms used in Sections 143.11 through 143.24. (a) "Policy of automobile insurance" means a policy delivered or issued for delivery in this State, insuring a natural person as named insured or one or more re…

(215 ILCS 5/143.13a) Sec. 143.13a. Coverage for permissive drivers. Any policy of private passenger automobile insurance must provide the same limits of bodily injury liability, property damage liability, uninsured and underinsured motorist bodily injury, and medical payments cov…

(215 ILCS 5/143.14) (from Ch. 73, par. 755.14) Sec. 143.14. Notice of cancellation. (a) No notice of cancellation of any policy of insurance, to which Section 143.11 applies, shall be effective unless mailed by the company to the named insured at the last mailing address known by…

(215 ILCS 5/143.15) (from Ch. 73, par. 755.15) Sec. 143.15. Mailing of cancellation notice. All notices of cancellation of insurance as defined in subsections (a), (b) and (c) of Section 143.13 must be mailed at least 30 days prior to the effective date of cancellation to the nam…

(215 ILCS 5/143.16) (from Ch. 73, par. 755.16) Sec. 143.16. Mailing of cancellation notice. All notices of cancellation of insurance to which Section 143.11 applies, except for those defined in subsections (a), (b) and (c) of Section 143.13 must be mailed at least 30 days prior t…

(215 ILCS 5/143.16a) (from Ch. 73, par. 755.16a) Sec. 143.16a. Cancellation of Casualty policies. No policy to which Section 143.11 applies, except for those defined in subsection (a) or (b) of Section 143.13, that has been in effect for 60 days may be cancelled except for one of…

(215 ILCS 5/143.16b) (from Ch. 73, par. 755.16b) Sec. 143.16b. Premium Refunds for Drought Insurance. Whenever a person has submitted payment of premium for the purchase of drought insurance described in clause (b) of Class 3 of Section 4 of this Code to an insurer or one of its …

(215 ILCS 5/143.17) (from Ch. 73, par. 755.17) Sec. 143.17. Notice of intention not to renew. a. No company shall fail to renew any policy of insurance, as defined in subsections (a), (b), (c), and (h) of Section 143.13, to which Section 143.11 applies, unless it shall send by ma…

(215 ILCS 5/143.17a) (from Ch. 73, par. 755.17a) Sec. 143.17a. Notice of intention not to renew. (a) A company intending to nonrenew any policy of insurance to which Section 143.11 applies, except for those defined in subsections (a), (b), (c), and (h) of Section 143.13, must mai…

(215 ILCS 5/143.18) (from Ch. 73, par. 755.18) Sec. 143.18. Liability of Company or Agents Regarding Statements Made In Notices Or Information. There shall be no liability on the part of and no cause of action of any nature shall arise against any company, its authorized represen…

(215 ILCS 5/143.19) (from Ch. 73, par. 755.19) Sec. 143.19. Cancellation of automobile insurance policy; grounds. After a policy of automobile insurance as defined in Section 143.13(a) has been effective for 60 days, or if such policy is a renewal policy, the insurer shall not ex…

(215 ILCS 5/143.19.1) (from Ch. 73, par. 755.19.1) Sec. 143.19.1. Limits on exercise of right of nonrenewal. After a policy of automobile insurance, as defined in Section 143.13, has been effective or renewed for 5 or more years, the company shall not exercise its right of non-re…

(215 ILCS 5/143.19.2) Sec. 143.19.2. Volunteer driver protection. (a) For the purpose of this Section, "volunteer driver" means a person who transports by vehicle individuals or goods without compensation above reimbursement for expenses, where the driving services are performed …

(215 ILCS 5/143.19.3) Sec. 143.19.3. Prohibition of rate increase for persons involved in emergency use of vehicles. (a) No insurer authorized to transact or transacting business in this State, or controlling or controlled by or under common control by or with an insurer authoriz…

(215 ILCS 5/143.19a) (from Ch. 73, par. 755.19a) Sec. 143.19a. No policy of insurance as defined in subsection a. of Section 143.13 of this Act may be cancelled where the sole basis for such cancellation is the payment by the insurance company of a claim or claims against such po…

(215 ILCS 5/143.19b) (from Ch. 73, par. 755.19b) Sec. 143.19b. No policy of insurance as defined in subsection (a) of Section 143.13 of this Code may be nonrenewed where the sole basis for nonrenewal was the reporting of a claim or claims against such policy and such claim or cla…

(215 ILCS 5/143.20) (from Ch. 73, par. 755.20) Sec. 143.20. Notice to Insured as to Eligibility of Illinois Automobile Insurance Plan. When a policy of automobile insurance is cancelled other than for nonpayment of premium or in the event of the renewal of a policy of automobile …

(215 ILCS 5/143.20a) (from Ch. 73, par. 755.20a) Sec. 143.20a. Cancellation of Fire and Marine Policies. (1) Policies covering property, except policies described in subsection (b) of Section 143.13, of this Code, issued for the kinds of business enumerated in Class 3 of Section …

(215 ILCS 5/143.21) (from Ch. 73, par. 755.21) Sec. 143.21. Cancellation of Fire and Extended Coverage Policy - Grounds. After a policy of fire and extended coverage insurance, as defined in paragraph (b) of Section 143.13, has been effective for 60 days, or if such policy is a r…

(215 ILCS 5/143.21.1) (from Ch. 73, par. 755.21.1) Sec. 143.21.1. After a policy of fire and extended coverage, as defined in Section 143.13, has been effective or renewed for 5 or more years, the company shall not exercise its right of non-renewal unless: 1. The policy was obtai…

(215 ILCS 5/143.21a) (from Ch. 73, par. 755.21a) Sec. 143.21a. Nonrenewal of Fire and Extended Coverage Policy - Grounds. A policy of fire and extended coverage insurance, as defined in subsection (b) of Section 143.13, may not be nonrenewed for any of the following reasons: (a) …

(215 ILCS 5/143.21b) (from Ch. 73, par. 755.21b) Sec. 143.21b. No policy of insurance as defined in subsection b. of Section 143.13 of this Act may be cancelled where the sole basis for such cancellation is the payment by the insurance company of a claim or claims against such po…

(215 ILCS 5/143.21c) (from Ch. 73, par. 755.21c) Sec. 143.21c. Earthquake insurance; notice. In response to all applications for homeowners insurance, pursuant to subsection (b) of Section 143.13 of this Act, received by the insurance company for coverage on property located in t…

(215 ILCS 5/143.21d) Sec. 143.21d. Sewer backup and sump pump overflow coverage; notice. (a) In response to all applications for homeowners insurance, as defined in paragraph (2) of Section 523, received by an insurance company, the insurance company shall provide the applicant i…

(215 ILCS 5/143.22) (from Ch. 73, par. 755.22) Sec. 143.22. Notice to Insured as to Eligibility of Illinois Fair Plan Association. When a policy containing fire and extended coverage insurance is cancelled or nonrenewed other than for nonpayment of premium or evidence of incendia…

(215 ILCS 5/143.23) (from Ch. 73, par. 755.23) Sec. 143.23. Cancellation and Nonrenewal Policies - Hearing. A named insured who wishes to appeal the reasons for cancellation or nonrenewal pursuant to Sections 143.16a and 143.19 through 143.24, shall at least 20 days prior to the …

(215 ILCS 5/143.23a) (from Ch. 73, par. 755.23a) Sec. 143.23a. When any person has filed a complaint with the Director alleging cancellation, non-renewal or refusal to issue a fire and extended coverage policy, as defined in Section 143.13 of this Code, by any insurer, such perso…

(215 ILCS 5/143.24) (from Ch. 73, par. 755.24) Sec. 143.24. Limited Nonrenewal of Automobile Insurance Policy. A policy of automobile insurance, as defined in subsection (a) of Section 143.13, may not be nonrenewed for any of the following reasons: a. Age; b. Sex; c. Race; d. Col…

(215 ILCS 5/143.24a) (from Ch. 73, par. 755.24a) Sec. 143.24a. (a) No insurer, licensed to issue a policy of automobile insurance, as defined in subsection (a) of Section 143.13, shall fail or refuse to accept an application from a person with a physical disability for such insur…

(215 ILCS 5/143.24b) (from Ch. 73, par. 755.24b) Sec. 143.24b. Any insurer insuring any person or entity against damages arising out of a vehicular crash shall disclose the dollar amount of liability coverage under the insured's personal private passenger automobile liability ins…

(215 ILCS 5/143.24c) Sec. 143.24c. Hate crimes; coverage refusal. (a) This Section applies to policies of insurance if the insured or proposed insured is (1) an individual, (2) a religious organization described in clause (i) of subparagraph (A) of paragraph (1) of subsection (b)…

(215 ILCS 5/143.24d) Sec. 143.24d. (Repealed). (Source: P.A. 98-864, eff. 1-1-15. Repealed by P.A. 100-439, eff. 8-25-17.)

(215 ILCS 5/143.25) (from Ch. 73, par. 755.25) Sec. 143.25. The Director of insurance may order any of the following if it is determined to be in the public interest: (a) Some or all companies issuing policies of insurance as defined in subsections (a) and (b) of Section 143.13 a…