Rep. Thaddeus Jones
Filed: 4/9/2024
 
 

 
 

 
10300HB4611ham003LRB103 37111 RPS 71456 a

1
AMENDMENT TO HOUSE BILL 4611 

2    AMENDMENT NO. ______. Amend House Bill 4611 by replacing 
3everything after the enacting clause with the following:
 
4    "Section 5. The Illinois Insurance Code is amended by 
5adding Section 143.19.4 as follows:
 
6    (215 ILCS 5/143.19.4 new)
7    Sec. 143.19.4. Automobile insurance practices; prohibition 
8on discrimination.
9    (a) As used in this Section: 
10    "Disproportionately impacted area" means a census tract or 
11comparable geographic area that meets, as determined by the 
12Department of Commerce and Economic Opportunity, at least one 
13of the following criteria: 
14        (1) the area has a poverty rate of at least 20% 
15    according to the federal decennial census;
16        (2) 75% or more of the children in the area 
 
 
10300HB4611ham003- 2 -LRB103 37111 RPS 71456 a

1    participate in the National School Lunch Program according 
2    to reported statistics from the State Board of Education;
3        (3) at least 20% of the households in the area receive 
4    assistance under the Supplemental Nutrition Assistance 
5    Program; or
6        (4) the area has an average unemployment rate, as 
7    determined by the Department of Employment Security, that 
8    is more than 120% of the national unemployment rate, as 
9    determined by the United States Department of Labor, for a 
10    period of at least 2 consecutive calendar years preceding 
11    the date of the application.
12    "Insurance practice" means marketing, underwriting, 
13pricing, utilization management, reimbursement methodologies, 
14and claims management in the transaction of insurance.
15    (b) With respect to insurance practice for a policy of 
16automobile insurance, the use of the following factors are 
17prohibited:
18        (1) credit score;
19        (2) the absence of prior insurance;
20        (3) whether a consumer resides in a disproportionately 
21    impacted area;
22        (4) sex or gender;
23        (5) occupation; and
24        (6) level of education attained.
25    (c) A policy of automobile insurance, including any class 
26of motor vehicle coverage, may not be canceled by the insurer 
 
 
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1solely because the insured has reached the age of 65 years so 
2long as the insured has a valid Illinois driver's license. If 
3the insured has a valid Illinois driver's license, an insurer 
4shall not refuse to issue a renewal policy or increase the 
5premium for any policy solely because an insured has reached 
6the age of 65 years.
7    (d) Nothing in this Section may be construed to:
8        (1) require an insurer to collect from an applicant or 
9    policyholder the age, race, color, national or ethnic 
10    origin, immigration or citizenship status, sex, sexual 
11    orientation, disability, gender identity, or gender 
12    expression of an individual; or
13        (2) prohibit the use of a driving record that has a 
14    direct relationship to risk.".