State of Illinois
92nd General Assembly
Legislation

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92_HB4371enr

 
HB4371 Enrolled                               LRB9210185JSpcB

 1        AN ACT relating to insurance.

 2        Be  it  enacted  by  the People of the State of Illinois,
 3    represented in the General Assembly:

 4        Section 5.  The Illinois Insurance  Code  is  amended  by
 5    adding Section 143.24c and changing Section 424 as follows:

 6        (215 ILCS 5/143.24c new)
 7        Sec. 143.24c.  Hate crimes; coverage refusal.
 8        (a)  This Section applies to policies of insurance if the
 9    insured  or  proposed  insured  is  (1)  an individual, (2) a
10    religious   organization   described   in   clause   (i)   of
11    subparagraph (A)  of  paragraph  (1)  of  subsection  (b)  of
12    Section  170  of  Title  26 of the United States Code, (3) an
13    educational  organization  described  in   clause   (ii)   of
14    subparagraph  (A)  of  paragraph  (1)  of  subsection  (b) of
15    Section 170 of Title 26 of the United States Code, or (4) any
16    other nonprofit organization  described  in  clause  (vi)  of
17    subparagraph  (A)  of  paragraph  (1)  of  subsection  (b) of
18    Section 170 of Title 26 of the United  States  Code  that  is
19    organized   and   operated   for  religious,  charitable,  or
20    educational purposes.
21        (b)  An insurer issuing policies subject to this  Section
22    may  not  cancel,  refuse  to  issue,  or refuse to renew the
23    policy solely on the basis that one or more claims have  been
24    made  against any policy during the preceding 60 months for a
25    loss that is the result of a hate crime committed against the
26    person or property insured if the insured  provides  evidence
27    to the insurer that the act causing the loss is identified as
28    a hate crime on a police report.
29        (c)  As  it  relates  to this Section, if determined by a
30    law enforcement agency, a "hate crime" may include any of the
31    following:
 
HB4371 Enrolled            -2-                LRB9210185JSpcB
 1             (1)  By  force  or  threat   of   force,   willfully
 2        injuring,  intimidating, interfering with, oppressing, or
 3        threatening any other person  in  the  free  exercise  or
 4        enjoyment of any right or privilege secured to him or her
 5        by  the  Constitution  or  laws  of  this State or by the
 6        Constitution or laws of the United States because of  the
 7        other  person's race, color, religion, ancestry, national
 8        origin, disability,  gender,  or  sexual  orientation  or
 9        because he or she perceives that the other person has one
10        or  more of those characteristics. This offense, however,
11        does not include speech alone, except upon a showing that
12        the speech itself threatened violence against a  specific
13        person or group of persons and that the defendant had the
14        apparent ability to carry out the threat.
15             (2)  Knowingly defacing, damaging, or destroying the
16        real  or  personal  property  of any other person for the
17        purpose of intimidating  or  interfering  with  the  free
18        exercise  or  enjoyment of any right or privilege secured
19        to the other person by the Constitution or laws  of  this
20        State or by the Constitution or laws of the United States
21        because  of  the  other  person's  race, color, religion,
22        ancestry, national origin, disability, gender, or  sexual
23        orientation or because he or she perceives that the other
24        person has one or more of those characteristics.
25        (d)  Nothing  in this Section prevents an insurer subject
26    to this Section from taking any of the actions  specified  in
27    subsection  (b)  on  the basis of criteria not otherwise made
28    invalid by this Section or any other law or rule.

29        (215 ILCS 5/424) (from Ch. 73, par. 1031)
30        Sec. 424. Unfair methods of  competition  and  unfair  or
31    deceptive  acts  or  practices  defined.   The  following are
32    hereby defined as unfair methods of  competition  and  unfair
33    and deceptive acts or practices in the business of insurance:
 
HB4371 Enrolled            -3-                LRB9210185JSpcB
 1        (1)  The  commission  by any person of any one or more of
 2    the acts defined or prohibited by Sections 134, 143.24c, 147,
 3    148, 149, 151, 155.22, 155.22a, 236, 237,  364,  and  469  of
 4    this Code.
 5        (2)  Entering  into  any  agreement  to commit, or by any
 6    concerted action committing, any act of boycott, coercion  or
 7    intimidation   resulting   in   or   tending   to  result  in
 8    unreasonable restraint of, or monopoly in,  the  business  of
 9    insurance.
10        (3)  Making  or  permitting,  in the case of insurance of
11    the types enumerated in Classes 1, 2, and 3 of Section 4, any
12    unfair discrimination between individuals  or  risks  of  the
13    same  class  or  of  essentially  the same hazard and expense
14    element because of the race,  color,  religion,  or  national
15    origin   of   such   insurance   risks  or  applicants.   The
16    application  of  this  Article  to  the  types  of  insurance
17    enumerated in Class 1 of Section 4 shall  in  no  way  limit,
18    reduce,  or  impair  the  protections  and  remedies  already
19    provided  for  by  Sections  236  and 364 of this Code or any
20    other provision of this Code.
21        (4)  Engaging in any of the acts or practices defined  in
22    or  prohibited  by  Sections  154.5 through 154.8 of the this
23    Insurance Code.
24        (5)  Making or charging any rate  for  insurance  against
25    losses  arising  from the use or ownership of a motor vehicle
26    which requires a higher premium of any person  by  reason  of
27    his  physical  handicap,  race,  color, religion, or national
28    origin.
29    (Source: P.A. 92-399, eff. 8-16-01; revised 12-07-01.)

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