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HB 3155

Relating to all-terrain vehicles.

2025 Regular Session Introduced by Court Boice and 15 co-sponsors

Allows vehicle owners to use a copy of their insurance card as proof of coverage on the date verification is attempted under the electronic motor-vehicle liability insurance verifi

In committee upon adjournment.
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WeVote Research Nonpartisan
Bill Summary · HB 3155

HB 3155 — Summary (Introduced Feb 18/21, 2025)

Sponsor: Rep. Charles Meier
Status: In committee upon adjournment (6/28/2025)
Primary subject: Amendment to 625 ILCS 5/7‑603.5 (electronic verification of motor vehicle liability insurance)

Purpose / Intent

HB 3155 updates the Illinois Vehicle Code’s electronic insurance‑verification program. Its central change is to explicitly allow a vehicle owner to submit a copy of an insurance card as proof of insurance for the specific date on which the Secretary of State attempts verification. The bill also clarifies program mechanics, reporting requirements, enforcement steps when coverage cannot be verified, and data‑use protections.

Note: The bill text provided is titled “Relating to all‑terrain vehicles,” but the statutory changes concern electronic liability insurance verification. The substantive text amends Section 7‑603.5 of the Vehicle Code.

Key provisions

  • Authorizes the Secretary of State to implement/operate an electronic motor‑vehicle liability insurance verification program consistent with nationwide industry standards.
  • Requires (content/fields) insurers authorized in Illinois to make available data for each covered vehicle, including:
    • policyholder name, vehicle make/model/year, VIN, policy number, policy effective date, and insurer NAIC number (as applicable).
  • Verification frequency:
    • Secretary must verify at least twice per calendar year for each vehicle subject to Section 7‑601.
    • Secretary may select monthly verification for higher‑risk categories (examples listed: prior registration suspensions, specified criminal driving offenses, prior operation of a vehicle with suspended registration, court supervision for certain offenses).
  • If Secretary cannot electronically verify coverage, the Secretary must mail or email the owner a notice giving 30 calendar days to:
    • provide proof of insurance (e.g., copy of insurance card showing coverage on the date of attempted verification), or
    • show the vehicle is inoperable.
  • Failure to respond or to provide verifiable coverage leads to suspension of the vehicle registration; owner must pay reinstatement fees and provide proof before reinstatement (per Section 7‑606).
  • If an owner submits proof, the Secretary may query the insurer; the insurer must confirm coverage and notify the Secretary within 7 calendar days. If the insurer does not confirm, the Secretary shall suspend registration.
  • Commercial lines reporting may be voluntary.
  • Insurers insuring fewer than 1,000 vehicles per year may be exempt from certain reporting requirements.
  • Secretary may contract with private vendors and consult industry stakeholders.
  • Data collected under this section may be used only for verification, is exempt from FOIA, and may be released only by court order, subpoena, or owner approval.
  • Clarifies that nothing in the section grants regulatory authority over insurance companies.

Who is affected

  • Registered vehicle owners in Illinois (subject to Section 7‑601)
  • Insurers authorized to write motor vehicle liability policies in Illinois (reporting and prompt confirmation duties)
  • Secretary of State operations and any private contractors engaged to run the system
  • Owners of vehicles in identified higher‑risk groups who may be verified monthly

Potential impacts

  • Makes it easier for owners to demonstrate coverage by allowing an insurance card copy as acceptable proof for the attempted verification date.
  • Could increase administrative suspensions where electronic verification and insurer confirmations fail.
  • Places time‑sensitive confirmation duties on insurers (7 days).
  • Strengthens privacy of verification data by exempting it from FOIA.
  • Reduces reporting burden for very small insurers (<1,000 vehicles), and allows voluntary reporting for some commercial lines.

Legislative timeline / actions (selected)

  • Filed / First readings: Feb 6–21, 2025
  • Public hearing: Feb 11, 2025
  • Read first time / referred to Trade, Workforce & Economic Development: Mar 20, 2025
  • In committee upon adjournment: Jun 28, 2025

If you want, I can produce a redlined comparison to current 625 ILCS 5/7‑603.5 or extract the exact affected statutory language for review.

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

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