IllinoisStarting in 2027, Illinois auto policies allow appraisals for disputed losses
Starting July 1, 2027, covered Illinois auto policies give the insured person and insurer a way to seek an appraisal over a disputed vehicle loss amount.
What it does
For covered vehicle damage, either the insured person or the insurer may request an appraisal if they disagree about the loss amount. The insured person does not need the insurer’s agreement.
Each side must choose an appraiser within seven business days of a written request. If the appraisers cannot agree on the loss amount within five business days, they choose an umpire to help decide it.
Each side pays for its own appraiser, and the two sides split the umpire’s cost equally.
Argument forDrivers may seek an independent decision about a disputed vehicle loss amount without first getting the insurer’s agreement.
Argument againstDrivers may pay for their own appraiser and half the umpire’s cost, even when the appraisal does not change the insurer’s decision.
More detail
The law gives the insured person and the insurer the right to request an appraisal when they dispute the amount of a loss. This applies to Illinois auto insurance policies issued, renewed, or delivered on or after July 1, 2027. The policy must include first-party coverage for physical damage. The right applies to policies issued, renewed, or delivered on or after July 1, 2027.
The law sets a process for appraisers and, when needed, an umpire to decide the loss amount. Each side chooses one appraiser. If they disagree on the loss amount, the appraisers choose a neutral, qualified umpire. Each appraiser must have relevant training and experience and no financial interest in the outcome. If the appraisers cannot agree on an umpire within 15 business days, either side may ask a court to appoint one. An agreement by any two of the three decision-makers binds both sides. Appraisers must be chosen within seven business days of the written request. If an umpire is selected, the final award is due within five business days.
Each side pays for its own appraiser and half the umpire’s cost. These costs apply to both sides in an appraisal.
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Where it stands
- Introduced
- Passed House
- Passed Senate
- To Governor
- Became Law
Looking ahead
No hearings or votes scheduled.
History
- 2026
- Aug 7Public Act . . . . . . . . . 104-0767Latest
- Aug 7Effective Date July 1, 2027
- Aug 7Governor J. B. Pritzker ApprovedBecame Law
- Jun 26Sent to the GovernorTo Governor
- Jun 1Added as Alternate Co-Sponsor Sen. Elgie R. Sims, Jr.
- May 31Added as Alternate Co-Sponsor Sen. Laura Fine
- Vote recorded Concurrence, Amendment 2. Result: pass.Lower
- May 31Added as Alternate Co-Sponsor Sen. Celina Villanueva
- May 31Added as Alternate Co-Sponsor Sen. Suzy Glowiak Hilton
- May 31Added as Alternate Co-Sponsor Sen. Robert F. Martwick
- May 31Added as Alternate Co-Sponsor Sen. Michael W. Halpin
- May 31Added Chief Co-Sponsor Rep. Jeff Keicher
- May 31Passed Both Houses
- May 31House Concurs
- May 31Senate Committee Amendment No. 2 House Concurs 115-000-000
- May 29Senate Committee Amendment No. 2 Motion to Concur Recommends Be Adopted Insurance Committee; 016-000-000
- Vote recorded Do Pass, Amendment 2. Result: pass.Lower
- May 29Senate Committee Amendment No. 2 Motion to Concur Rules Referred to Insurance Committee
- May 28Senate Committee Amendment No. 2 Motion to Concur Referred to Rules Committee
- Vote recorded Third Reading. Result: pass.Upper
- May 28Senate Committee Amendment No. 2 Motion Filed Concur Rep. Tracy Katz Muhl
- May 28Placed on Calendar Order of Concurrence Senate Amendment(s) 2
- May 28Arrived in HouseMinor
- May 28Senate Committee Amendment No. 1 Tabled Pursuant to Rule 5-4(a)Minor
- May 28Third Reading - Passed; 056-002-000Passed Senate
- May 28Added as Alternate Co-Sponsor Sen. Darby A. Hills
- May 22Rule 2-10 Third Reading Deadline Established As May 31, 2026
- May 20Placed on Calendar Order of 3rd Reading May 21, 2026
- May 20Second ReadingMinor
- May 19Placed on Calendar Order of 2nd Reading May 20, 2026Minor
- Vote recorded Do Pass, Amendment 2. Result: pass.Upper
- Vote recorded Do Pass. Result: pass.Upper
- May 19Do Pass as Amended Insurance; 008-000-000
- May 19Senate Committee Amendment No. 2 AdoptedMajor
- May 19Senate Committee Amendment No. 1 Postponed - Insurance
- May 19Senate Committee Amendment No. 2 Assignments Refers to Insurance
- May 15Senate Committee Amendment No. 2 Referred to Assignments
- May 15Senate Committee Amendment No. 2 Filed with Secretary by Sen. Julie A. MorrisonMinor
- May 15Rule 2-10 Committee Deadline Established As May 22, 2026
- May 12Senate Committee Amendment No. 1 Postponed - Insurance
- May 12Postponed - Insurance
- May 8Rule 2-10 Committee Deadline Established As May 15, 2026
- May 5Postponed - Insurance
- May 5Senate Committee Amendment No. 1 Postponed - Insurance
- May 5Senate Committee Amendment No. 1 Assignments Refers to Insurance
- Apr 29Senate Committee Amendment No. 1 Referred to Assignments
- Apr 29Senate Committee Amendment No. 1 Filed with Secretary by Sen. Julie A. MorrisonMinor
- Apr 28Assigned to InsuranceMinor
- Apr 15Referred to Assignments
- Apr 15First ReadingMinor
- Apr 15Chief Senate Sponsor Sen. Julie A. Morrison
- Apr 15Placed on Calendar Order of First ReadingMinor
- Apr 15Arrive in SenateMinor
- Apr 14Third Reading - Short Debate - Passed 073-038-000Passed House
- Vote recorded Third Reading. Result: pass.Lower
- Apr 14Placed on Calendar Order of 3rd Reading - Short Debate
- Apr 14House Floor Amendment No. 1 AdoptedMajor
- Apr 10Held on Calendar Order of Second Reading - Short DebateMinor
- Apr 10Second Reading - Short DebateMinor
- Apr 9House Floor Amendment No. 1 Recommends Be Adopted Insurance Committee; 010-006-000Minor
- Vote recorded Do Pass, Amendment 1. Result: pass.Lower
- Apr 8House Floor Amendment No. 1 Rules Refers to Insurance Committee
- Apr 8House Floor Amendment No. 1 Referred to Rules Committee
- Apr 8House Floor Amendment No. 1 Filed with Clerk by Rep. Tracy Katz MuhlMinor
- Mar 19Placed on Calendar 2nd Reading - Short DebateMinor
- Mar 18Do Pass / Short Debate Insurance Committee; 010-004-000
- Vote recorded Do Pass. Result: pass.Lower
- Feb 24Assigned to Insurance CommitteeMinor
- 2025
- Oct 15Referred to Rules Committee
- Oct 15First ReadingMinor
- Oct 15Filed with the Clerk by Rep. Tracy Katz MuhlIntroduced
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