Relating to a property tax exemption for the homesteads of certain seniors; prescribing an effective date.

2025 Regular Session Introduced by Christine Drazan and 3 co-sponsors

Illinois HB 3755 bars automatic denial of comprehensive auto theft claims for no forcible entry, unlocked car, or key left inside; preserves fraud review; effective 1/1/2026.

In committee upon adjournment.

Overview / Purpose

HB 3755 amends the Illinois Insurance Code to restrict how automobile theft claims under comprehensive auto insurance can be denied. The bill prohibits an insurer from excluding theft coverage solely because there is no evidence of forcible entry, the vehicle was left unlocked, or a key/key fob was left in the vehicle. The intent is to ensure insureds with comprehensive coverage are not automatically denied theft claims for those specific factual circumstances while preserving insurers’ ability to investigate suspected fraud.

Key provisions

Adds Section 143.13b to the Illinois Insurance Code (215 ILCS 5/143.13b).

Prohibits any automobile insurance policy that carries comprehensive coverage from excluding theft coverage for these reasons:

(a) Lack of evidence of forcible entry;
(b) The insured left the vehicle unlocked; or
(c) The insured left a key or key fob in the vehicle.

Preserves insurer rights to investigate and deny claims for fraudulent acts.

House Amendment 001 (filed 4/8/2025; adopted 4/11/2025) clarifies that insurers may use lack of forcible entry, unlocked vehicle, or keys present as evidence supporting a finding of fraud.

Effective date: January 1, 2026.

Who is affected

Insureds: Individuals with comprehensive automobile insurance in Illinois — will have protections against automatic denial of theft claims based solely on the three enumerated circumstances.

Insurers: Must adjust claims-handling practices and policy language to comply; retain investigative and fraud-denial authority but may need to re-evaluate automatic exclusion practices.

Claims adjusters, agents, and legal counsel: May see changes in claim review standards and proof requirements.

Procedural / timeline status

Filed: Feb 7, 2025 (clerk); first reading Feb 18, 2025.

Passed Illinois House (third reading) on April 11, 2025 (76–39); House Floor Amendment No. 1 adopted.

Arrived in the Senate and placed on first reading April 14, 2025; referred to Assignments.

Current status (as of provided record): Referred to Assignments in the Senate.

Companion bill: SB 2490.

Notes / implications

The bill is narrowly targeted to comprehensive coverage theft claims and does not create a blanket prohibition on insurers investigating or denying fraudulent claims.

By allowing insurers to use the enumerated facts as evidence of fraud (per amendment), the bill balances consumer protections with insurer fraud-fighting interests.

Bill