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SB 2415

Health insurance and employee benefit plans; extend repealer on mandated coverage for telemedicine services.

2025 Regular Session Introduced by Walter Michel

Prohibits auto theft exclusions for no forcible entry, unlocked vehicle, or key left inside, while preserving fraud investigations; sunset July 1, 2028.

Approved by Governor
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WeVote Research Nonpartisan
Bill Summary · SB 2415

Summary — SB 2415 (2025): Coverage for Motor Vehicle Theft

Overview / Purpose

SB 2415 amends the Illinois Insurance Code to limit circumstances under which an automobile insurance policy that includes comprehensive coverage may lawfully exclude coverage for motor vehicle theft. The bill is intended to reduce denials of theft claims that are based solely on the absence of forcible entry or on ordinary conditions such as an unlocked vehicle or a key/key fob left inside the vehicle, while preserving insurers’ ability to investigate and deny fraudulent claims.

Key provisions

  • Adds Section 143.13b to the Illinois Insurance Code (215 ILCS 5/143.13b).
  • Prohibits an automobile insurance policy with comprehensive coverage from excluding theft coverage for any of the following reasons:
    • Lack of evidence of forcible entry;
    • The insured leaving the vehicle unlocked; or
    • The insured leaving a key or key fob in the vehicle.
  • Preserves insurers’ rights to investigate claims and to deny claims based on fraud. A Senate floor amendment clarifies that insurers may use the circumstances listed above (no forcible entry, unlocked vehicle, key/key fob left inside) as evidence to support a fraud determination.
  • Includes a sunset (house amendment/committee amendment): the section is repealed effective July 1, 2028.
  • Effective date: January 1, 2026.

Who or what is affected

  • Primary: Insurers that write automobile policies in Illinois, and insureds who carry comprehensive auto coverage.
  • Scope: Applies only to theft coverage tied to policies that include comprehensive coverage (does not create new comprehensive coverage).
  • Secondary: Claims adjusters, fraud investigators, and potentially premiums/underwriting practices.

Procedural / timeline notes

  • Introduced by Sen. Julie A. Morrison (SB2415).
  • Senate Amendment (File date 4/4/2025) clarified use of listed factors as possible evidence of fraud.
  • House/Committee Amendment added a repeal/sunset clause: the section stands repealed July 1, 2028.
  • Bill status: Approved by the Governor. Effective January 1, 2026; the new section will automatically repeal on July 1, 2028.

Potential impacts / considerations

  • Likely to reduce denials of theft claims that rely solely on lack of forcible entry or unlocked vehicle/key-in-car findings.
  • May increase claim payments or dispute volume; insurers retain fraud defenses and may intensify investigations where circumstances suggest fraud.
  • Limited-duration policy change (sunset in 2028) — provides a trial period for the policy change and data collection on impacts.
  • May prompt insurer policy language and underwriting adjustments; small premium effects are possible depending on claims experience.

Related bill

  • HB 195 (companion)

Compiled from official sources — confirm details with the bill’s official record.

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