state_legiscan_drain · IL
AUTO INS-RIGHT TO APPRAISAL
October 15, 2025
Summary
If enacted, this bill would amend the Illinois Insurance Code to require that every auto insurance policy with first-party physical damage coverage includes a provision allowing the insured (at their sole discretion) or the insurer to invoke appraisal when the amount of loss is disputed. The bill sets procedures for selecting appraisers and an umpire, and for cost allocation. It applies to policies issued, renewed, or delivered on or after July 1, 2027.
AI-generated summary · Jun 8, 2026. Verify with your compliance counsel before acting.
How this was generated
We record the exact prompt, model, and output for every AI response so it can be audited for accuracy.
Source: https://www.ilga.gov/Legislation/BillStatus?DocNum=4160&GAID=18&DocTypeID=HB&SessionID=114&GA=104
Common questions
- What does "AUTO INS-RIGHT TO APPRAISAL" cover?
- If enacted, this bill would amend the Illinois Insurance Code to require that every auto insurance policy with first-party physical damage coverage…
- When was it published?
- It was published on October 15, 2025.
Related updates
- Mortgagee Letter 2026-10: Updates to FHA Quality Control Requirements for Appraisal Field Reviews
- MPF Announcement 2026-40
- MPF Announcement Summary 2026-S07
- Requires an insurance company to directly pay the insured's chosen appraiser and the umpire appraiser, if applicable, upon receipt of a "direction to pay" executed by an insured or claimant.
- Requires an insurance company to directly pay the insured's chosen appraiser and the umpire appraiser, if applicable, upon receipt of a "direction to pay" executed by an insured or claimant.
- MPF Announcement Summary 2026-S06