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90_HB2273
215 ILCS 5/155.26a new
Amends the Illinois Insurance Code. Provides that
coverage for damages to a motor vehicle resulting from road
conditions or hazards incurred upon a public road shall be
classified as comprehensive coverage damages. Prohibits rate
increases based solely upon claims for damages caused by road
conditions.
LRB9001195JSmg
LRB9001195JSmg
1 AN ACT to amend the Illinois Insurance Code by adding
2 Section 155.26a.
3 Be it enacted by the People of the State of Illinois,
4 represented in the General Assembly:
5 Section 5. The Illinois Insurance Code is amended by
6 adding Section 155.26a as follows:
7 (215 ILCS 5/155.26a new)
8 Sec. 155.26a. Vehicle damage; classification of
9 coverage.
10 (a) Damage to a vehicle including, but not limited to,
11 damage to tires, wheels, and suspension systems resulting
12 from road conditions or hazards incurred while operating the
13 vehicle on unrestricted portions of a public road shall be
14 classified under comprehensive coverage provisions of a
15 policy of insurance. These damages shall be deemed to be not
16 the result of negligence unless it is shown that the operator
17 of the vehicle had knowledge of and deliberately disregarded
18 road conditions that were clearly unreasonably dangerous or
19 hazardous to motor vehicles. This Section does not affect
20 coverage under a policy of insurance except with respect to
21 the classification.
22 (b) An insurance company may not increase premium rates
23 for a policy of automobile insurance, as defined in
24 subsection (a) of Section 143.13, solely because the insured
25 has filed a claim subject to the provisions of this Section.