AUTO INS-RIGHT TO APPRAISAL
State of IllinoisIllinoisAmends the Illinois Insurance Code. Provides that every policy of automobile insurance issued, renewed, or delivered on or after July 1, 2027 in Illinois that includes first-party coverage for physical damage shall contain a provision granting the insured, in the insured's sole discretion, without the company's consent or agreement required, and the insurer the right to invoke appraisal if there is a dispute over the amount of a loss. Provides that, if a dispute arises regarding the amount of a loss, either party may submit a written demand for appraisal. Sets forth provisions concerning required actions for the selected appraisers and provides for the selection of an umpire if an agreement is not reached. Sets forth provisions concerning issuance of the award determining the amount of loss and cost allocation. Effective July 1, 2027.
- Status
- Passed
- Signed or otherwise enacted
- Status date
- Aug 7, 2026
- 97 days ago
- Current chamber
- House of Representatives
- Session
- 2025-2026 Regular Session
IL HB 4160 · PassedAug 7
Follow the legislation that affects what you sell.
Get started freeFree account · 30-second setup · No credit card
What it means for vendors
Civic IQ reads each bill for what it would fund, require or change for the agencies that buy.
Bill details
- Last action
- Public Act . . . . . . . . . 104-0767 · Aug 7, 2026
Sponsors
TKTracy Katz MuhlRepresentative · Democrat · HD-057Primary sponsorPrimary sponsor
JMJulie MorrisonSenator · Democrat · SD-029Primary sponsorPrimary sponsor
JKJeff KeicherRepresentative · Republican · HD-070
DHDarby HillsSenator · Republican · SD-026
MHMichael HalpinSenator · Democrat · SD-036
RMRobert MartwickSenator · Democrat · SD-010
SGSuzanne Glowiak HiltonSenator · Democrat · SD-023
CVCelina VillanuevaSenator · Democrat · SD-012
Show 2 more sponsors
LFLaura FineSenator · Democrat · SD-009
ESElgie SimsSenator · Democrat · SD-017
Bill history
Newest first.
Aug 7, 2026Public Act . . . . . . . . . 104-0767House
Aug 7, 2026Effective Date July 1, 2027House
Aug 7, 2026Governor ApprovedHouse
Jun 26, 2026Sent to the GovernorHouse
Jun 1, 2026Added as Alternate Co-Sponsor Sen. Elgie R. Sims, Jr.Senate
May 31, 2026Added as Alternate Co-Sponsor Sen. Laura FineSenate
May 31, 2026Added as Alternate Co-Sponsor Sen. Celina VillanuevaSenate
May 31, 2026Added as Alternate Co-Sponsor Sen. Suzy Glowiak HiltonSenate
Show 55 earlier actions
May 31, 2026Added as Alternate Co-Sponsor Sen. Robert F. MartwickSenate
May 31, 2026Added as Alternate Co-Sponsor Sen. Michael W. HalpinSenate
May 31, 2026Added Chief Co-Sponsor Rep. Jeff KeicherHouse
May 31, 2026Passed Both HousesHouse
May 31, 2026House ConcursHouse
May 31, 2026Senate Committee Amendment No. 2 House Concurs 115-000-000House
May 29, 2026Senate Committee Amendment No. 2 Motion to Concur Recommends Be Adopted Insurance Committee; 016-000-000House
May 29, 2026Senate Committee Amendment No. 2 Motion to Concur Rules Referred to Insurance CommitteeHouse
May 28, 2026Senate Committee Amendment No. 2 Motion to Concur Referred to Rules CommitteeHouse
May 28, 2026Senate Committee Amendment No. 2 Motion Filed Concur Rep. Tracy Katz MuhlHouse
May 28, 2026Placed on Calendar Order of Concurrence Senate Amendment(s) 2House
May 28, 2026Arrived in HouseHouse
May 28, 2026Senate Committee Amendment No. 1 Tabled Pursuant to Rule 5-4(a)Senate
May 28, 2026Third Reading - Passed; 056-002-000Senate
May 28, 2026Added as Alternate Co-Sponsor Sen. Darby A. HillsSenate
May 22, 2026Rule 2-10 Third Reading Deadline Established As May 31, 2026Senate
May 20, 2026Placed on Calendar Order of 3rd Reading May 21, 2026Senate
May 20, 2026Second ReadingSenate
May 19, 2026Placed on Calendar Order of 2nd Reading May 20, 2026Senate
May 19, 2026Do Pass as Amended Insurance; 008-000-000Senate
May 19, 2026Senate Committee Amendment No. 2 AdoptedSenate
May 19, 2026Senate Committee Amendment No. 1 Postponed - InsuranceSenate
May 19, 2026Senate Committee Amendment No. 2 Assignments Refers to InsuranceSenate
May 15, 2026Senate Committee Amendment No. 2 Referred to AssignmentsSenate
May 15, 2026Senate Committee Amendment No. 2 Filed with Secretary by Sen. Julie A. MorrisonSenate
May 15, 2026Rule 2-10 Committee Deadline Established As May 22, 2026Senate
May 12, 2026Senate Committee Amendment No. 1 Postponed - InsuranceSenate
May 12, 2026Postponed - InsuranceSenate
May 8, 2026Rule 2-10 Committee Deadline Established As May 15, 2026Senate
May 5, 2026Postponed - InsuranceSenate
May 5, 2026Senate Committee Amendment No. 1 Postponed - InsuranceSenate
May 5, 2026Senate Committee Amendment No. 1 Assignments Refers to InsuranceSenate
Apr 29, 2026Senate Committee Amendment No. 1 Referred to AssignmentsSenate
Apr 29, 2026Senate Committee Amendment No. 1 Filed with Secretary by Sen. Julie A. MorrisonSenate
Apr 28, 2026Assigned to InsuranceSenate
Apr 15, 2026Referred to AssignmentsSenate
Apr 15, 2026First ReadingSenate
Apr 15, 2026Chief Senate Sponsor Sen. Julie A. MorrisonSenate
Apr 15, 2026Placed on Calendar Order of First ReadingSenate
Apr 15, 2026Arrive in SenateSenate
Apr 14, 2026Third Reading - Short Debate - Passed 073-038-000House
Apr 14, 2026Placed on Calendar Order of 3rd Reading - Short DebateHouse
Apr 14, 2026House Floor Amendment No. 1 AdoptedHouse
Apr 10, 2026Held on Calendar Order of Second Reading - Short DebateHouse
Apr 10, 2026Second Reading - Short DebateHouse
Apr 9, 2026House Floor Amendment No. 1 Recommends Be Adopted Insurance Committee; 010-006-000House
Apr 8, 2026House Floor Amendment No. 1 Rules Refers to Insurance CommitteeHouse
Apr 8, 2026House Floor Amendment No. 1 Referred to Rules CommitteeHouse
Apr 8, 2026House Floor Amendment No. 1 Filed with Clerk by Rep. Tracy Katz MuhlHouse
Mar 19, 2026Placed on Calendar 2nd Reading - Short DebateHouse
Mar 18, 2026Do Pass / Short Debate Insurance Committee; 010-004-000House
Feb 24, 2026Assigned to Insurance CommitteeHouse
Oct 15, 2025Referred to Rules CommitteeHouse
Oct 15, 2025First ReadingHouse
Oct 15, 2025Filed with the Clerk by Rep. Tracy Katz MuhlHouse
Recorded votes
House Insurance CommitteeMar 18, 2026 · House · 10 yea · 4 nayPassedPassed
House Insurance CommitteeApr 9, 2026 · House · 10 yea · 6 nayPassedPassed
Senate Insurance CommitteeMay 19, 2026 · Senate · 8 yea · 0 nayPassedPassed
Senate Insurance CommitteeMay 19, 2026 · Senate · 8 yea · 0 nayPassedPassed
House Insurance CommitteeMay 29, 2026 · House · 16 yea · 0 nayPassedPassed
House Third ReadingApr 14, 2026 · House · 73 yea · 38 nayPassedPassed
Senate Third ReadingMay 28, 2026 · Senate · 56 yea · 2 nayPassedPassed
House ConcurrenceMay 31, 2026 · House · 115 yea · 0 nayPassedPassed
Read the bill at the source
This page follows the bill as the legislature records it. For the bill's full text and the official record, use the legislature's own site.
Bill data from LegiScan, licensed under CC BY 4.0.