IllinoisIllinois insurers must disclose rental vehicle coverage at application and renewal
Starting July 1, 2027, Illinois auto insurers give applicants and policyholders written details about rental vehicle coverage, including its limits and cost.
What it does
Auto insurers provide written notices about rental vehicle coverage when people apply for auto insurance and before each renewal. The notices include coverage limits and costs.
Argument forApplicants and policyholders could use the coverage limits and costs to decide whether rental vehicle coverage fits their needs.
Argument againstInsurers may face extra work sending written notices with every application and at least 30 days before each renewal.
More detail
Auto insurers provide written notices about rental vehicle coverage. The duties apply to insurers responding to auto insurance applications and renewing auto insurance policies. The notice covers rental vehicle coverage for an insured vehicle when the cause of loss is covered by the policy. The law takes effect July 1, 2027. Insurers provide the application notice in response to each application and the renewal notice at least 30 days before each renewal.
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Where it stands
- Introduced
- Passed Senate
- Passed House
- To Governor
- Became Law
Looking ahead
No hearings or votes scheduled.
History
- 2026
- Aug 21Public Act . . . . . . . . . 104-0847Latest
- Aug 21Effective Date July 1, 2027
- Aug 21Governor J. B. Pritzker ApprovedBecame Law
- Jun 29Sent to the GovernorTo Governor
- May 31Passed Both Houses
- Vote recorded Concurrence, Amendment 1. Result: pass.Upper
- May 31Senate Concurs
- May 31House Committee Amendment No. 1 Senate Concurs 058-000-000
- May 29House Committee Amendment No. 1 Motion To Concur Recommended Do Adopt Insurance; 008-000-000
- Vote recorded Do Pass, Amendment 1. Result: pass.Upper
- May 28House Committee Amendment No. 1 Motion to Concur Assignments Referred to Insurance
- May 28House Committee Amendment No. 1 Motion to Concur Referred to Assignments
- May 28House Committee Amendment No. 1 Motion to Concur Filed with Secretary Sen. Laura M. MurphyMinor
- May 22Placed on Calendar Order of Concurrence House Amendment(s) 1 - May 25, 2026
- May 22Secretary's Desk - Concurrence House Amendment(s) 1
- May 21Third Reading - Short Debate - Passed 109-000-000Passed House
- Vote recorded Third Reading. Result: pass.Lower
- May 19Placed on Calendar Order of 3rd Reading - Short Debate
- May 19Second Reading - Short DebateMinor
- May 18Added Alternate Co-Sponsor Rep. Maurice A. West, II
- May 13Placed on Calendar 2nd Reading - Short DebateMinor
- May 12Do Pass as Amended / Short Debate Insurance Committee; 012-000-000
- Vote recorded Do Pass. Result: pass.Lower
- May 12House Committee Amendment No. 1 Adopted in Insurance Committee; by Voice VoteMajor
- May 12House Committee Amendment No. 1 Rules Refers to Insurance Committee
- May 8House Committee Amendment No. 1 Referred to Rules Committee
- May 8House Committee Amendment No. 1 Filed with Clerk by Rep. Justin CochranMinor
- May 7Committee Deadline Extended-Rule 9(b) May 15, 2026
- Apr 27Assigned to Insurance CommitteeMinor
- Apr 20Referred to Rules Committee
- Apr 20First ReadingMinor
- Apr 20Chief House Sponsor Rep. Justin Cochran
- Apr 17Arrived in HouseMinor
- Apr 16Third Reading - Passed; 056-000-000Passed Senate
- Vote recorded Third Reading. Result: pass.Upper
- Apr 16Placed on Calendar Order of 3rd Reading
- Apr 16Senate Floor Amendment No. 1 Adopted; MurphyMajor
- Apr 16Recalled to Second ReadingMinor
- Apr 16Senate Floor Amendment No. 1 Be Approved for Consideration Assignments
- Apr 16Senate Floor Amendment No. 1 Referred to Assignments
- Apr 16Senate Floor Amendment No. 1 Filed with Secretary by Sen. Laura M. MurphyMinor
- Mar 25Placed on Calendar Order of 3rd Reading March 26, 2026
- Mar 25Second ReadingMinor
- Mar 11Placed on Calendar Order of 2nd Reading March 12, 2026Minor
- Mar 11Do Pass Insurance; 010-000-000
- Mar 10
- Vote recorded Do Pass. Result: pass.Upper
- Mar 3Postponed - Insurance
- Feb 27Added as Co-Sponsor Sen. Doris Turner
- Feb 26Added as Co-Sponsor Sen. Paul Faraci
- Feb 25Added as Co-Sponsor Sen. Suzy Glowiak Hilton
- Feb 17Assigned to InsuranceMinor
- Feb 3Referred to Assignments
- Feb 3First ReadingMinor
- Feb 3Filed with Secretary by Sen. Laura M. MurphyIntroduced
Consumer Protection