Full Text of SB2241 93rd General Assembly
SB2241ham003 93RD GENERAL ASSEMBLY
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Rep. Steve Davis
Filed: 5/28/2004
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| AMENDMENT TO SENATE BILL 2241
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| AMENDMENT NO. ______. Amend Senate Bill 2241 by replacing | 3 |
| everything after the enacting clause with the following:
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| "Section 5. The Illinois Insurance Code is amended by | 5 |
| changing Sections 155.18, 155.19, and 1204 and by adding | 6 |
| Section 155.18a as follows:
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| (215 ILCS 5/155.18) (from Ch. 73, par. 767.18)
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| Sec. 155.18. (a) This Section shall apply to insurance on | 9 |
| risks based
upon negligence by a physician, hospital or other | 10 |
| health care provider,
referred to herein as medical liability | 11 |
| insurance. This Section shall not
apply to contracts of | 12 |
| reinsurance, nor to any farm, county, district or
township | 13 |
| mutual insurance company transacting business under an Act | 14 |
| entitled
"An Act relating to local mutual district, county and | 15 |
| township insurance
companies", approved March 13, 1936, as now | 16 |
| or hereafter amended, nor to
any such company operating under a | 17 |
| special charter.
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| (b) The following standards shall apply to the making and | 19 |
| use of rates
pertaining to all classes of medical liability | 20 |
| insurance:
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| (1) Rates shall not be excessive or inadequate, as | 22 |
| herein defined, nor
shall they be unfairly discriminatory. | 23 |
| No rate shall be held to be excessive
unless such rate is | 24 |
| unreasonably high for the insurance provided , and a
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| reasonable degree of competition does not exist in the area | 2 |
| with respect
to the classification to which such rate is | 3 |
| applicable .
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| No rate shall be held inadequate unless it is | 5 |
| unreasonably low for the
insurance provided and continued | 6 |
| use of it would endanger solvency of the company .
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| (2) Consideration shall be given, to the extent | 8 |
| applicable, to past and
prospective loss experience within | 9 |
| and outside this State, to a reasonable
margin for | 10 |
| underwriting profit and contingencies, to past and | 11 |
| prospective
expenses both countrywide and those especially | 12 |
| applicable to this State,
and to all other factors, | 13 |
| including judgment factors, deemed relevant within
and | 14 |
| outside this State.
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| Consideration may also be given in the making and use | 16 |
| of rates to dividends,
savings or unabsorbed premium | 17 |
| deposits allowed or returned by companies
to their | 18 |
| policyholders, members or subscribers.
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| (3) The systems of expense provisions included in the | 20 |
| rates for use by
any company or group of companies may | 21 |
| differ from those of other companies
or groups of companies | 22 |
| to reflect the operating methods of any such company
or | 23 |
| group with respect to any kind of insurance, or with | 24 |
| respect to any subdivision
or combination thereof.
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| (4) Risks may be grouped by classifications for the | 26 |
| establishment of rates
and minimum premiums. | 27 |
| Classification rates may be modified to produce
rates for | 28 |
| individual risks in accordance with rating plans which | 29 |
| establish
standards for measuring variations in hazards or | 30 |
| expense provisions, or
both. Such standards may measure any | 31 |
| difference among risks that have a
probable effect upon | 32 |
| losses or expenses. Such classifications or modifications
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| of classifications of risks may be established based upon | 34 |
| size, expense,
management, individual experience, location |
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| or dispersion of hazard, or
any other reasonable | 2 |
| considerations and shall apply to all risks under the
same | 3 |
| or substantially the same circumstances or conditions.
The | 4 |
| rate for
an established classification should be related | 5 |
| generally to the anticipated
loss and expense factors of | 6 |
| the class.
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| (c) Every company writing medical liability insurance | 8 |
| shall file with
the Director of Insurance the rates and rating | 9 |
| schedules it uses for medical
liability insurance.
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| (1) This filing shall occur upon a company's | 11 |
| commencement of medical liability insurance business in | 12 |
| this State
at least annually
and thereafter as often as the | 13 |
| rates
are changed or amended.
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| (2) For the purposes of this Section , any change in | 15 |
| premium to the company's
insureds as a result of a change | 16 |
| in the company's base rates or a change
in its increased | 17 |
| limits factors shall constitute a change in rates and shall
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| require a filing with the Director. On any filing made | 19 |
| pursuant to this Section wherein the company's annual | 20 |
| cumulative overall rate increase exceeds 10%, the Director | 21 |
| shall convene a public hearing for the purpose of receiving | 22 |
| testimony from the company and from any interested persons | 23 |
| regarding the company's proposed increase.
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| (3) It shall be certified in such filing by an officer | 25 |
| of the company
and a qualified actuary that the company's | 26 |
| rates , including any risk management plan discount | 27 |
| required by subdivision (g)(2) of this Section along with | 28 |
| any other discounts that may be provided by the insurer,
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| are based on sound actuarial
principles and are not | 30 |
| inconsistent with the company's experience. The Director | 31 |
| may request any additional statistical data and other | 32 |
| pertinent information necessary to determine the manner | 33 |
| the company used to set the filed rates and the | 34 |
| reasonableness of those rates.
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| (d) If , after an administrative
a hearing pursuant to | 2 |
| subsection (c) of Section 401 of this Code, the Director finds:
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| (1) that any rate, rating plan or rating system | 4 |
| violates the provisions
of this Section applicable to it, | 5 |
| he shall
may issue an order to the company which
has been | 6 |
| the subject of the hearing specifying in what respects such | 7 |
| violation
exists and may prohibit
stating when, within a | 8 |
| reasonable period of time, the further
use of such rate or | 9 |
| rating system by such company in contracts of insurance
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| made thereafter shall be prohibited ;
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| (2) that the violation of any of the provisions of this | 12 |
| Section applicable
to it by any company which has been the | 13 |
| subject of the hearing was wilful or that any company has | 14 |
| repeatedly violated any provision of this Section , he
may | 15 |
| take either or both of the following actions: | 16 |
| (A) Suspend
suspend or revoke, in whole or in part, | 17 |
| the certificate of authority
of such company with | 18 |
| respect to the class of insurance which has been the
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| subject of the hearing.
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| (B) Impose a penalty of up to $1,000 against the | 21 |
| company for each violation. Each day during which a | 22 |
| violation occurs constitutes a separate violation.
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| (e) Every company writing medical liability insurance | 24 |
| shall offer deductibles to each of its medical liability | 25 |
| insureds in this State. This offer shall be included in the | 26 |
| initial offer or in the first policy renewal occurring after | 27 |
| the effective date of this amendatory Act of the 93rd General | 28 |
| Assembly.
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| (f) Medical liability insurance rate compression. | 30 |
| Notwithstanding any other provision of this Code, an insurer | 31 |
| may charge different rates for different medical specialties or | 32 |
| combinations of medical specialties; however, the base rate | 33 |
| paid by the highest-rated medical specialty or combination of | 34 |
| medical specialties shall be no greater than 800% of the base |
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| rate paid by the lowest-rated medical specialty or combination | 2 |
| of medical specialties. | 3 |
| This subsection (f) is operative at the discretion of the | 4 |
| Director.
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| (g) Every company writing medical liability insurance in | 6 |
| this State shall offer to each of its medical liability | 7 |
| insureds the option to make premium payments in installments as | 8 |
| prescribed by and filed with the Director. This offer shall be | 9 |
| included in the initial offer or in the first policy renewal | 10 |
| occurring after the effective date of this amendatory Act of | 11 |
| the 93rd General Assembly.
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| (h) Medical liability insurance risk management plans. | 13 |
| (1) Each insurer shall develop and establish a risk | 14 |
| management plan. The plan shall provide for discounts, not | 15 |
| to exceed 25% of the medical liability premium, for | 16 |
| insureds who implement risk management techniques | 17 |
| specified by the insurer. This offer shall be included in | 18 |
| the initial offer or in the first policy renewal occurring | 19 |
| after the effective date of this amendatory Act of the 93rd | 20 |
| General Assembly. | 21 |
| (2) Prior to initial use and thereafter as often as the | 22 |
| risk management plan is changed or amended, each insurer | 23 |
| shall file with the Director its risk management plan, | 24 |
| including the schedule of discounts.
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| (Source: P.A. 79-1434.)
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| (215 ILCS 5/155.18a new) | 27 |
| Sec. 155.18a. Professional Liability Insurance Resource | 28 |
| Center. The Director of Insurance shall establish a | 29 |
| Professional Liability Insurance Resource Center on the World | 30 |
| Wide Web containing the names and telephone numbers of all | 31 |
| licensed companies providing medical liability insurance and | 32 |
| producers who sell medical liability insurance. Each company | 33 |
| and producer shall submit the information to the Department on |
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| or before September 30 of each year in order to be listed on | 2 |
| the website. The Department is under no obligation to list a | 3 |
| company or producer on the website. Hyperlinks to company | 4 |
| websites shall be included, if available. The publication of | 5 |
| the information on the Department's website shall commence on | 6 |
| January 1, 2005. The Department shall update the information on | 7 |
| the Professional Liability Insurance Resource Center at least | 8 |
| annually.
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| (215 ILCS 5/155.19) (from Ch. 73, par. 767.19)
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| Sec. 155.19. All claims filed after December 31, 1976 with | 11 |
| any insurer
and all suits filed after December 31, 1976 in any | 12 |
| court in this State,
alleging liability on the part of any | 13 |
| physician, hospital or other health
care provider for medically | 14 |
| related injuries, shall be reported to the Director
of | 15 |
| Insurance in such form and under such terms and conditions as | 16 |
| may be
prescribed by the Director. Notwithstanding any other | 17 |
| provision of law to the contrary, any insurer, stop loss | 18 |
| insurer, captive insurer, risk retention group, religious or | 19 |
| charitable risk pooling trust, surplus line insurer, or other | 20 |
| entity authorized or permitted by law to provide medical | 21 |
| liability insurance in this State shall report to the Director,
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| in such form and under such terms and conditions as may be
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| prescribed by the Director, all claims filed
after December 31, | 24 |
| 2004 and all suits filed
after December 31, 2004 in any court | 25 |
| in this State alleging liability on the part of any physician, | 26 |
| hospital, or health
care provider for medically-related | 27 |
| injuries. Each clerk of the circuit court shall provide to the | 28 |
| Director such information as the Director may deem necessary to | 29 |
| verify the accuracy and completeness of reports made to the | 30 |
| Director under this Section. The Director shall maintain | 31 |
| complete and accurate
records of all such claims and suits | 32 |
| including their nature, amount, disposition
and other | 33 |
| information as he may deem useful or desirable in observing and
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| reporting on health care provider liability trends in this | 2 |
| State. The Director
shall release to appropriate disciplinary | 3 |
| and licensing agencies any such
data or information which may | 4 |
| assist such agencies in
improving the quality of health care or | 5 |
| which may be useful to such agencies
for the purpose of | 6 |
| professional discipline.
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| With due regard for appropriate maintenance of the | 8 |
| confidentiality thereof,
the Director shall
may release , on an | 9 |
| annual basis,
from time to time to the Governor, the General
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| Assembly and the general public statistical reports based on | 11 |
| such data and information.
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| If the Director finds that any entity required to report | 13 |
| information under this Section has violated any provision of | 14 |
| this Section by filing late, incomplete, or inaccurate reports, | 15 |
| the Director may fine the entity up to $1,000 for each offense. | 16 |
| Each day during which a violation occurs constitutes a separate | 17 |
| offense.
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| The Director may promulgate such rules and regulations as | 19 |
| may be necessary
to carry out the provisions of this Section.
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| (Source: P.A. 79-1434.)
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| (215 ILCS 5/1204) (from Ch. 73, par. 1065.904)
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| Sec. 1204. (A) The Director shall promulgate rules and | 23 |
| regulations
which shall require each insurer licensed to write | 24 |
| property or casualty
insurance in the State and each syndicate | 25 |
| doing business on the Illinois
Insurance Exchange to record and | 26 |
| report its loss and expense experience
and other data as may be | 27 |
| necessary to assess the relationship of
insurance premiums and | 28 |
| related income as compared to insurance costs and
expenses. The | 29 |
| Director may designate one or more rate service
organizations | 30 |
| or advisory organizations to gather and compile such
experience | 31 |
| and data. The Director shall require each insurer licensed to
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| write property or casualty insurance in this State and each | 33 |
| syndicate doing
business on the Illinois Insurance Exchange to |
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| submit a report, on
a form furnished by the Director, showing | 2 |
| its direct writings in this
State and companywide.
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| (B) Such report required by subsection (A) of this Section | 4 |
| may include,
but not be limited to, the following specific | 5 |
| types of insurance written by
such insurer:
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| (1) Political subdivision liability insurance reported | 7 |
| separately in the
following categories:
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| (a) municipalities;
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| (b) school districts;
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| (c) other political subdivisions;
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| (2) Public official liability insurance;
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| (3) Dram shop liability insurance;
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| (4) Day care center liability insurance;
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| (5) Labor, fraternal or religious organizations | 15 |
| liability insurance;
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| (6) Errors and omissions liability insurance;
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| (7) Officers and directors liability insurance | 18 |
| reported separately as
follows:
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| (a) non-profit entities;
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| (b) for-profit entities;
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| (8) Products liability insurance;
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| (9) Medical malpractice insurance;
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| (10) Attorney malpractice insurance;
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| (11) Architects and engineers malpractice insurance; | 25 |
| and
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| (12) Motor vehicle insurance reported separately for | 27 |
| commercial and
private passenger vehicles as follows:
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| (a) motor vehicle physical damage insurance;
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| (b) motor vehicle liability insurance.
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| (C) Such report may include, but need not be limited to the | 31 |
| following data,
both
specific to this State and companywide, in | 32 |
| the aggregate or by type of
insurance for the previous year on | 33 |
| a calendar year basis:
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| (1) Direct premiums written;
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| (2) Direct premiums earned;
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| (3) Number of policies;
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| (4) Net investment income, using appropriate estimates | 4 |
| where necessary;
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| (5) Losses paid;
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| (6) Losses incurred;
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| (7) Loss reserves:
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| (a) Losses unpaid on reported claims;
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| (b) Losses unpaid on incurred but not reported | 10 |
| claims;
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| (8) Number of claims:
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| (a) Paid claims;
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| (b) Arising claims;
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| (9) Loss adjustment expenses:
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| (a) Allocated loss adjustment expenses;
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| (b) Unallocated loss adjustment expenses;
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| (10) Net underwriting gain or loss;
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| (11) Net operation gain or loss, including net | 19 |
| investment income;
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| (12) Any other information requested by the Director.
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| (C-5) Additional information required from medical | 22 |
| malpractice insurers. | 23 |
| (1) In addition to the other requirements of this | 24 |
| Section, all medical malpractice insurers shall include | 25 |
| the following information in the report required by | 26 |
| subsection (A) of this Section in such form and under such | 27 |
| terms and conditions as may be prescribed by the Director: | 28 |
| (a) paid and incurred losses by county for each of | 29 |
| the past 10 policy years; and | 30 |
| (b) earned exposures by ISO code, policy type, and | 31 |
| policy year by county for each of the past 10 years. | 32 |
| (2) All information collected by the Director under | 33 |
| paragraph (1) of this subsection (C-5) shall be made | 34 |
| available, on a company by company basis, to the General |
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| Assembly and the general public. This provision shall | 2 |
| supersede any other provision of law that may otherwise | 3 |
| protect such information from public disclosure as | 4 |
| confidential.
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| (D) In addition to the information which may be requested | 6 |
| under
subsection (C), the Director may also request on a | 7 |
| companywide, aggregate
basis, Federal Income Tax recoverable, | 8 |
| net realized capital gain or loss,
net unrealized capital gain | 9 |
| or loss, and all other expenses not requested
in subsection (C) | 10 |
| above.
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| (E) Violations - Suspensions - Revocations.
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| (1) Any company or person
subject to this Article, who | 13 |
| willfully or repeatedly fails to observe or who
otherwise | 14 |
| violates any of the provisions of this Article or any rule | 15 |
| or
regulation promulgated by the Director under authority | 16 |
| of this Article or any
final order of the Director entered | 17 |
| under the authority of this Article shall
by civil penalty | 18 |
| forfeit to the State of Illinois a sum not to exceed
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| $2,000. Each day during which a violation occurs | 20 |
| constitutes a
separate
offense.
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| (2) No forfeiture liability under paragraph (1) of this | 22 |
| subsection may
attach unless a written notice of apparent | 23 |
| liability has been issued by the
Director and received by | 24 |
| the respondent, or the Director sends written
notice of | 25 |
| apparent liability by registered or certified mail, return
| 26 |
| receipt requested, to the last known address of the | 27 |
| respondent. Any
respondent so notified must be granted an | 28 |
| opportunity to request a hearing
within 10 days from | 29 |
| receipt of notice, or to show in writing, why he should
not | 30 |
| be held liable. A notice issued under this Section must set | 31 |
| forth the
date, facts and nature of the act or omission | 32 |
| with which the respondent is
charged and must specifically | 33 |
| identify the particular provision of this
Article, rule, | 34 |
| regulation or order of which a violation is charged.
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| (3) No forfeiture liability under paragraph (1) of this | 2 |
| subsection may
attach for any violation occurring more than | 3 |
| 2 years prior to the date of
issuance of the notice of | 4 |
| apparent liability and in no event may the total
civil | 5 |
| penalty forfeiture imposed for the acts or omissions set | 6 |
| forth in any
one notice of apparent liability exceed | 7 |
| $100,000.
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| (4) All administrative hearings conducted pursuant to | 9 |
| this Article are
subject to 50 Ill. Adm. Code 2402 and all | 10 |
| administrative hearings are
subject to the Administrative | 11 |
| Review Law.
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| (5) The civil penalty forfeitures provided for in this | 13 |
| Section are
payable to the General Revenue Fund of the | 14 |
| State of Illinois, and may be
recovered in a civil suit in | 15 |
| the name of the State of Illinois brought in
the Circuit | 16 |
| Court in Sangamon County or in the Circuit Court of the | 17 |
| county
where the respondent is domiciled or has its | 18 |
| principal operating office.
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| (6) In any case where the Director issues a notice of | 20 |
| apparent liability
looking toward the imposition of a civil | 21 |
| penalty forfeiture under this
Section that fact may not be | 22 |
| used in any other proceeding before the
Director to the | 23 |
| prejudice of the respondent to whom the notice was issued,
| 24 |
| unless (a) the civil penalty forfeiture has been paid, or | 25 |
| (b) a court has
ordered payment of the civil penalty | 26 |
| forfeiture and that order has become
final.
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| (7) When any person or company has a license or | 28 |
| certificate of authority
under this Code and knowingly | 29 |
| fails or refuses to comply with a lawful
order of the | 30 |
| Director requiring compliance with this Article, entered | 31 |
| after
notice and hearing, within the period of time | 32 |
| specified in the order, the
Director may, in addition to | 33 |
| any other penalty or authority
provided, revoke or refuse | 34 |
| to renew the license or certificate of authority
of such |
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| person
or company, or may suspend the license or | 2 |
| certificate of authority
of such
person or company until | 3 |
| compliance with such order has been obtained.
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| (8) When any person or company has a license or | 5 |
| certificate of authority
under this Code and knowingly | 6 |
| fails or refuses to comply with any
provisions of this | 7 |
| Article, the Director may, after notice and hearing, in
| 8 |
| addition to any other penalty provided, revoke or refuse to | 9 |
| renew the
license or certificate of authority of such | 10 |
| person or company, or may
suspend the license or | 11 |
| certificate of authority of such person or company,
until | 12 |
| compliance with such provision of this Article has been | 13 |
| obtained.
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| (9) No suspension or revocation under this Section may | 15 |
| become effective
until 5 days from the date that the notice | 16 |
| of suspension or revocation has
been personally delivered | 17 |
| or delivered by registered or certified mail to
the company | 18 |
| or person. A suspension or revocation under this Section is
| 19 |
| stayed upon the filing, by the company or person, of a | 20 |
| petition for
judicial review under the Administrative | 21 |
| Review Law.
| 22 |
| (Source: P.A. 93-32, eff. 7-1-03.)
| 23 |
| Section 10. The Clerks of Courts Act is amended by adding | 24 |
| Section 27.10 as follows: | 25 |
| (705 ILCS 105/27.10 new)
| 26 |
| Sec. 27.10. Director of Insurance. Each clerk of the | 27 |
| circuit court shall provide to the Director of Insurance such | 28 |
| information as the Director of Insurance requests under Section | 29 |
| 155.19 of the Illinois Insurance Code.
| 30 |
| Section 15. The Code of Civil Procedure is amended by | 31 |
| reenacting and changing Sections 2-1115.1, 2-1115.2, and |
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| 2-1702 as follows:
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| (735 ILCS 5/2-1115.1)
| 3 |
| (This Section was added by P.A. 89-7, which has been held | 4 |
| unconstitutional)
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| Sec. 2-1115.1. Limitations on recovery of non-economic | 6 |
| damages.
| 7 |
| (a) In all medical, hospital, or other healing art | 8 |
| malpractice
common law, statutory or other actions that seek | 9 |
| damages
on account of death, bodily injury, or physical damage
| 10 |
| to property based on negligence, or product liability based on | 11 |
| any theory or
doctrine , recovery of non-economic damages shall | 12 |
| be limited to $500,000 per
plaintiff. There shall be no | 13 |
| recovery for hedonic damages.
| 14 |
| (b) (Blank).
Beginning in 1997, every January 20, the | 15 |
| liability limit established
in subsection (a) shall | 16 |
| automatically be increased or decreased, as applicable,
by a | 17 |
| percentage equal to the percentage change in the consumer price | 18 |
| index-u
during the preceding 12-month calendar year. "Consumer | 19 |
| price index-u" means
the index published by the Bureau of Labor | 20 |
| Statistics of the United States
Department of Labor that | 21 |
| measures the average change in prices of goods and
services | 22 |
| purchased by all urban consumers, United States city average, | 23 |
| all
items, 1982-84 = 100. The new amount resulting from each | 24 |
| annual adjustment
shall be determined by the Comptroller and | 25 |
| made available to the chief judge of
each judicial district.
| 26 |
| (c) (Blank).
The liability limits at the time at which | 27 |
| damages
subject to such limits are awarded by final judgment or | 28 |
| settlement shall be
utilized by the courts.
| 29 |
| (d) (Blank).
Nothing in this Section shall be construed to | 30 |
| create a right to recover
non-economic damages.
| 31 |
| (e) This amendatory Act of 2004
1995 applies to causes of | 32 |
| action accruing
on or after its effective date.
| 33 |
| (Source: P.A. 89-7, eff. 3-9-95 .)
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| (735 ILCS 5/2-1115.2)
| 2 |
| (This Section was added by P.A. 89-7, which has been held | 3 |
| unconstitutional)
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| Sec. 2-1115.2. Economic and non-economic loss. In all | 5 |
| actions on account
of medical, hospital, or other healing art | 6 |
| malpractice
bodily injury, death, physical damage to property | 7 |
| based on
negligence, or a product liability action as defined | 8 |
| in Section 2-2101 ,
the following terms have the following | 9 |
| meanings:
| 10 |
| (a) "Economic loss" or "economic damages" means all damages | 11 |
| which are
tangible,
such as damages for past and future medical
| 12 |
| expenses, loss of income or earnings and other property loss.
| 13 |
| (b) "Non-economic loss" or "non-economic damages" means | 14 |
| damages which are
intangible,
including but not limited to | 15 |
| damages for pain and
suffering, disability, disfigurement, | 16 |
| loss of consortium, and loss of
society.
| 17 |
| (c) "Compensatory damages" or "actual damages" are the sum | 18 |
| of economic and
non-economic damages.
| 19 |
| This amendatory Act of 2004
1995 applies to causes of | 20 |
| action filed on or after
its effective date.
| 21 |
| (Source: P.A. 89-7, eff. 3-9-95 .)
| 22 |
| (735 ILCS 5/2-1702) (from Ch. 110, par. 2-1702)
| 23 |
| (Text of Section WITH the changes made by P.A. 89-7, which | 24 |
| has been held
unconstitutional)
| 25 |
| Sec. 2-1702. Economic/Non-Economic Loss. As used in this | 26 |
| Part, "economic
loss" and "non-economic loss" are defined as in | 27 |
| Section 2-1115.2.
| 28 |
| (Source: P.A. 89-7, eff. 3-9-95 .)
| 29 |
| (Text of Section WITHOUT the changes made by P.A. 89-7, | 30 |
| which has been held
unconstitutional)
| 31 |
| Sec. 2-1702. Economic/Non-Economic Loss. As used in this |
|
|
|
09300SB2241ham003 |
- 15 - |
LRB093 15873 RLC 51852 a |
|
| 1 |
| Part :
| 2 |
| (a) "Economic loss" means all pecuniary harm for which | 3 |
| damages
are recoverable.
| 4 |
| (b) "Non-economic loss" means loss of consortium and all | 5 |
| nonpecuniary
harm for which damages are recoverable, | 6 |
| including, without limitation,
damages for pain and suffering, | 7 |
| inconvenience, disfigurement, and
physical impairment.
| 8 |
| (Source: P.A. 84-7.)
| 9 |
| Section 97. Liberal construction; severability. | 10 |
| (a) This Act, being necessary for the welfare of the State | 11 |
| and its inhabitants, shall be liberally construed to effect its | 12 |
| purposes. | 13 |
| (b) The provisions of this Act are severable under Section | 14 |
| 1.31 of the Statute on Statutes.
| 15 |
| Section 99. Effective date. This Act takes effect upon | 16 |
| becoming law.".
|
|