Chapter 215 — INSURANCE

(215 ILCS 5/155.01) (from Ch. 73, par. 767.1) Sec. 155.01. Interlocking directorates - when prohibited. Any person may be a director in two or more companies which are competitors, provided no person at the same time shall be a director in two or more companies where the effect m…

(215 ILCS 5/155.03) (from Ch. 73, par. 767.3) Sec. 155.03. Defense of ultra vires. No company doing business in this State shall assert by way of defense or otherwise, in any suit, action or claim arising directly or indirectly out of the issuance or delivery of any policy or cer…

(215 ILCS 5/155.04) (from Ch. 73, par. 767.4) Sec. 155.04. Standards for companies and officials. (1) The Director shall not approve any declaration of organization or Articles of Incorporation or issue a Certificate of Authority to any company until he has found that: (a) the co…

(215 ILCS 5/155.05) (from Ch. 73, par. 767.5) Sec. 155.05. Payment of insurance in burial benefits prohibited. No company, officer, director, agent or broker and no other person, firm, association or corporation shall advertise, solicit, negotiate, issue, effect or deliver in thi…

(215 ILCS 5/155.06) (from Ch. 73, par. 767.6) Sec. 155.06. Emergency by-laws may be adopted. The board of directors of any domestic insurance company may adopt emergency by-laws to be approved by the Director, which will become operative during an emergency resulting from an atta…

(215 ILCS 5/155.07) (from Ch. 73, par. 767.7) Sec. 155.07. Change of location of offices. Where an emergency exists, as defined in Section 155.06, the board of directors of a domestic insurance company may change the location of the company's principal and regional offices, but m…

(215 ILCS 5/155.08) (from Ch. 73, par. 767.8) Sec. 155.08. Statutory provisions operative during emergency. In the event that any domestic company has not adopted emergency by-laws, the following provisions shall become operative during an emergency as defined in Section 155.06: …

(215 ILCS 5/155.10) (from Ch. 73, par. 767.10) Sec. 155.10. (Repealed). (Source: P.A. 86-1154; 86-1156. Repealed by P.A. 89-97, eff. 7-7-95.)

(215 ILCS 5/155.14) (from Ch. 73, par. 767.14) Sec. 155.14. (Repealed). (Source: P.A. 77-305. Repealed by P.A. 89-97, eff. 7-7-95.)

(215 ILCS 5/155.15) (from Ch. 73, par. 767.15) Sec. 155.15. (Repealed). (Source: P.A. 77-305. Repealed by P.A. 89-97, eff. 7-7-95.)

(215 ILCS 5/155.16) (from Ch. 73, par. 767.16) Sec. 155.16. (Repealed). (Source: P.A. 77-305. Repealed by P.A. 89-97, eff. 7-7-95.)

(215 ILCS 5/155.17) (from Ch. 73, par. 767.17) Sec. 155.17. Every domestic or foreign company authorized to write insurance for motor vehicle bodily injury shall not base the rates for such insurance upon divisions or districts within any municipality which has a population of 2,…

(215 ILCS 5/155.18) (from Ch. 73, par. 767.18) Sec. 155.18. (a) This Section shall apply to insurance on risks based upon negligence by a physician, hospital or other health care provider, referred to herein as medical liability insurance. This Section shall not apply to contract…

(215 ILCS 5/155.18a) Sec. 155.18a. (Repealed). (Source: P.A. 94-677, eff. 8-25-05. Repealed by P.A. 103-426, eff. 8-4-23.)

(215 ILCS 5/155.19) (from Ch. 73, par. 767.19) Sec. 155.19. All claims filed after December 31, 1976 with any insurer and all suits filed after December 31, 1976 in any court in this State, alleging liability on the part of any physician, hospital or other health care provider fo…

(215 ILCS 5/155.20) (from Ch. 73, par. 767.20) Sec. 155.20. All final arbitration decisions rendered in relation to disputes or controversies arising out of injuries allegedly caused by reason of hospital or health care provider malpractice shall be recognized by any insurance co…

(215 ILCS 5/155.21) (from Ch. 73, par. 767.21) Sec. 155.21. A company writing medical liability insurance shall not refuse to offer insurance to a physician, hospital or other health care provider on the grounds that the physician, hospital or health care provider has entered or …

(215 ILCS 5/155.22) (from Ch. 73, par. 767.22) Sec. 155.22. No company authorized to transact in this State the kinds of business described in Classes 2 and 3 of Section 4, and no officer, director, agent, clerk, employee or broker of such company shall upon proper application re…

(215 ILCS 5/155.22a) Sec. 155.22a. Coverage for subjects of abuse. (a) No company authorized to transact life, health, disability income, or property and casualty insurance in this State may: (1) Deny, refuse to issue, refuse to renew, refuse to reissue, cancel, or otherwise term…

(215 ILCS 5/155.22b) Sec. 155.22b. Rating, claims handling, and underwriting decisions. (a) No company issuing a policy of property and casualty insurance may use the fact that an applicant or insured incurred bodily injury as a result of a battery or other violent act committed …

(215 ILCS 5/155.23) (from Ch. 73, par. 767.23) Sec. 155.23. Fraud reporting. (1) The Director is authorized to promulgate reasonable rules requiring insurers, as defined in Section 155.24, doing business in the State of Illinois to report factual information in their possession t…

(215 ILCS 5/155.24) (from Ch. 73, par. 767.24) Sec. 155.24. Motor Vehicle Theft and Motor Insurance Fraud Reporting and Immunity Law. (a) As used in this Section: (1) "authorized governmental agency" means the Illinois State Police, a local governmental police department, a count…

(215 ILCS 5/155.25) (from Ch. 73, par. 767.25) Sec. 155.25. Reports by certain property and casualty insurers. (A) The Director shall promulgate rules and regulations which shall require, at the request of the Director, any insurer licensed to write medical liability insurance in…

(215 ILCS 5/155.25a) (from Ch. 73, par. 767.25a) Sec. 155.25a. Notwithstanding the provisions of subsection (D) of Section 123B-9, a purchasing group may purchase insurance providing for a group aggregate limit from an insurer licensed to write medical liability insurance in this…

(215 ILCS 5/155.26) (from Ch. 73, par. 767.26) Sec. 155.26. No insurance company authorized to do business in Illinois may increase the premium rates for a renewal policy which insures an individual with a personal lines automobile insurance policy against any loss or liability r…

(215 ILCS 5/155.27) (from Ch. 73, par. 767.27) Sec. 155.27. No insurance company authorized to transact business in this State may impose a surcharge upon an applicant for a policy of automobile insurance or refuse to insure the applicant solely based upon the identity of the app…

(215 ILCS 5/155.28) (from Ch. 73, par. 767.28) Sec. 155.28. (a) Any individual who is a potential applicant for a policy of personal automobile insurance as defined in subsection (a) of Section 143.13 of this Code shall be provided an oral estimate of premium charges based on the…

(215 ILCS 5/155.29) (from Ch. 73, par. 767.29) Sec. 155.29. (a) Purpose. The purpose of this Section is to regulate the use of aftermarket crash parts by requiring disclosure when any use of an aftermarket non-original equipment manufacturer's crash part is proposed and by requir…

(215 ILCS 5/155.30) (from Ch. 73, par. 767.30) Sec. 155.30. For purposes of determining premium rates to be charged for personal multi-peril property insurance policies covering real property used principally for residential purposes or any household or personal property that is …

(215 ILCS 5/155.31) Sec. 155.31. Day care and group day care homes; coverage. (a) No insurer providing insurance coverage, as defined in subsection (b) of Section 143.13 of this Code, shall nonrenew or cancel an insurance policy on a day care home or group day care home, as defin…

(215 ILCS 5/155.32) Sec. 155.32. Policy explanations; language other than English. (a) A company, as defined in Section 132.2 of this Code, may conduct transactions in a language other than English through an employee or agent acting as interpreter or through an interpreter provi…

(215 ILCS 5/155.33) Sec. 155.33. Illinois Health Insurance Portability and Accountability Act. The provisions of this Code are subject to the Illinois Health Insurance Portability and Accountability Act as provided in Section 15 of that Act. (Source: P.A. 90-30, eff. 7-1-97; 90-6…

(215 ILCS 5/155.34) Sec. 155.34. (Repealed). (Source: P.A. 90-655, eff. 7-30-98. Repealed by P.A. 93-502, eff. 1-1-04.)

(215 ILCS 5/155.35) Sec. 155.35. Insurance compliance self-evaluative privilege. (a) To encourage insurance companies and persons conducting activities regulated under this Code, both to conduct voluntary internal audits of their compliance programs and management systems and to …

(215 ILCS 5/155.36) Sec. 155.36. Managed Care Reform and Patient Rights Act. Insurance companies that transact the kinds of insurance authorized under Class 1(b) or Class 2(a) of Section 4 of this Code shall comply with Sections 25, 45, 45.1, 45.2, 45.3, 65, 70, 85, and 87, subse…

(215 ILCS 5/155.37) Sec. 155.37. Drug formulary; notice. (a) Insurance companies that transact the kinds of insurance authorized under Class 1(b) or Class 2(a) of Section 4 of this Code and provide coverage for prescription drugs through the use of a drug formulary must notify in…

(215 ILCS 5/155.38) Sec. 155.38. (Repealed). (Source: P.A. 92-651, eff. 7-11-02. Repealed by P.A. 93-114, eff. 10-1-03.)

(215 ILCS 5/155.39) Sec. 155.39. Vehicle protection products. (a) As used in this Section: "Administrator" means a third party other than the warrantor who is designated by the warrantor to be responsible for the administration of vehicle protection product warranties. "Incidenta…

(215 ILCS 5/155.40) Sec. 155.40. Auto insurance; application; false address. (a) An applicant for a policy of insurance that insures against any loss or liability resulting from or incident to the ownership, maintenance, or use of a motor vehicle shall not provide to the insurer …

(215 ILCS 5/155.41) Sec. 155.41. Slave era policies. (a) The General Assembly finds and declares all of the following: (1) Insurance policies from the slavery era have been discovered in the archives of several insurance companies, documenting insurance coverage for slaveholders …

(215 ILCS 5/155.42) Sec. 155.42. Identity theft insurance consumer fact sheet. The Department shall develop an appropriate consumer fact sheet to be provided to consumers, either via the Department's website or by hard copy if requested, regarding identity theft insurance. The fa…

(215 ILCS 5/155.43) Sec. 155.43. Misrepresentation of Senior-Specific Certification. (a) No insurance producer shall use a senior-specific certification or professional designation that indicates or implies in such a way as to mislead a purchaser or prospective purchaser that the…

(215 ILCS 5/155.44) Sec. 155.44. Financial requirements; large deductible agreements for workers' compensation insurance. (a) An insurer shall: (1) require full collateralization of the outstanding obligations owed under a large deductible agreement by using one of the following …

(215 ILCS 5/155.45) Sec. 155.45. Certificates of insurance. (a) In this Section: "Certificate of insurance" means a document prepared by an insurer or insurance producer as evidence of property or casualty insurance coverage. "Certificate of insurance" does not include a policy o…

(215 ILCS 5/155.46) Sec. 155.46. Prohibition on denial of coverage or increase in premiums for living organ donors. (a) As used in this Section: "Human organ" means all or part of a human's liver, pancreas, kidney, intestine, lung, blood, plasma, skin, or bone marrow. "Living org…

(215 ILCS 5/155.47) Sec. 155.47. Prohibited practices relating to substance use disorder treatment. (a) As used in this Section, "recovery support", "substance use disorder", and "treatment" have the meanings set forth in the Substance Use Disorder Act. (b) A company authorized t…

(215 ILCS 5/155.48) Sec. 155.48. Prohibited practices relating to prescription for or obtainment of opioid antagonist. (a) As used in this Section, "opioid antagonist" means any drug that binds to opioid receptors and blocks or otherwise inhibits the effects of opioids acting on …

(215 ILCS 5/155.49) Sec. 155.49. Insurance company supplier diversity report. (a) Every company authorized to do business in this State or accredited by this State with assets of at least $50,000,000 shall submit a 2-page report on its voluntary supplier diversity program, or the…

(215 ILCS 5/155.51) (from Ch. 73, par. 767.51) Sec. 155.51. Purpose and scope.) (a) The purpose of this Article is to promote the public welfare by regulating credit life insurance and credit accident and health insurance. Nothing in this Article is intended to prohibit or discou…

(215 ILCS 5/155.52) (from Ch. 73, par. 767.52) Sec. 155.52. Definitions. For the purpose of this Article: (a) "Credit life insurance" means insurance on the life of a debtor pursuant to or in connection with a specific loan or other credit transaction; (b) "Credit Accident and he…