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Bill

SB 1303

VEH CD-LIMITED LIABILITY

104th Regular Session Introduced by Napoleon Harris

Defines renter liability limits for damage, theft, and loss of use in rental vehicles, with caps that vary by vehicle MSRP and provisions to adjust over time.

Alternate Chief Sponsor Removed Rep. La Shawn K. Ford
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WeVote Research Nonpartisan
Bill Summary · SB 1303

Summary — SB 1303 (packet contains multiple, different bills titled “SB 1303”)
Note: the documents you supplied include three distinct bills from different states that all use the identifier “SB 1303.” The title you provided — “VEH CD‑LIMITED LIABILITY” — corresponds to the Illinois vehicle‑code bill. Below is a focused, reader‑friendly summary of the Illinois vehicle code bill followed by brief notes identifying the other unrelated SB 1303 texts contained in the packet.

1) Illinois — SB 1303 (Vehicle Code: “Limited liability for damage”)
- Purpose and intent
- Clarifies and limits the circumstances and amounts for which a rental company may hold a renter (or authorized driver) liable for damage, theft, and loss of use of a rented motor vehicle.

  • Key provisions

    • Rental companies may hold renters liable for physical or mechanical damage and for loss of use arising during the rental agreement.
    • Theft liability caps tied to vehicle MSRP:
    • For vehicles with MSRP ≤ $50,000: the renter’s total liability for theft is the actual and reasonable costs of the loss; in cases where the renter failed to exercise ordinary care or aided/abetted theft, the damages can be up to the vehicle’s fair market value (text also references an alternative cap of up to $5,000 in some formulations).
    • For vehicles with MSRP > $50,000: base cap for renter liability is up to $40,000; if the renter failed to exercise ordinary care or aided theft, damages can be up to fair market value.
    • Indexed increases: the bill includes provisions that adjust the maximum recovery amounts over time (annual increases described in prior versions).
    • Notice and disclosure requirements: rental companies must post conspicuous notice of changes and give certain notices to renters and to the renter’s personal insurer in defined circumstances (e.g., theft of a high‑value vehicle).
    • Repair estimates and insurer opportunity to inspect: rental companies must obtain and make available repair/appraisal estimates before attempting to collect; to collect under the higher theft cap for MSRP > $50,000, rental companies must provide the renter’s insurer a reasonable notice and opportunity to inspect.
    • Duty to mitigate: rental companies must ensure claims are reasonably related to actual loss and may not collect amounts exceeding actual repair costs after discounts.
    • Prohibitions on advance card charges and deposits for damages; renters cannot be required to pay damage claims immediately upon vehicle return before cost/liability are agreed or determined.
    • Multiple recoveries barred: a rental company may not pursue amounts from a renter if it has recovered from other parties.

  • Who is affected

    • Rental companies and vehicle renters (and their insurers), especially renters of higher‑value vehicles; repair shops/appraisers involved in estimating damage; insurers that may be asked to respond.

  • Procedural status (from supplied text)

    • Introduced in the Illinois General Assembly on January 28, 2025 by Sen. Napoleon Harris III. (Further legislative steps not fully detailed in the provided excerpt.)

2) Other unrelated bills in the packet (brief)
- Arizona SB 1303 (Sen. Shope) — “Extended foster care comprehensive service model”: creates a new statute (ARIZ. REV. STAT. § 8‑521.03) requiring the Department of Child Safety to implement an extended foster care comprehensive service model and “success coaching” program for young adults (ages 17½–under 21). Key features: weekly engagement, life‑skills, housing and employment assistance, coach caseload cap (≤20), training/educational requirements for coaches, reporting deadlines (annual Nov.1 report and quarterly JLBC reports), and creation of a continuously appropriated fund. Implementation deadlines: solicit agencies within 30 days, select within 90 days, implement within 150 days of the law’s effective date.

  • Hawaii SB 1303 (agriculture finance bill, SD1) — modifies state agricultural loan program: lowers/fixes interest rates on several loan classes (examples: many classes at 4% or 3%), increases loan limits (e.g., Class A/C from $800,000 → $1,500,000; Class B individual loans from $35,000→$750,000), reduces required credit denials from two to one, defines “import replacement crops” and “line of credit,” and funds anticipated increased loan demand. Committee action and readings are noted in the packet.

If you want: I can produce a standalone, expanded summary or bill‑brief focused solely on the Illinois vehicle bill (with exact line edits and a clean “before/after” redline) or produce a legislative comparison table that shows key differences among the three SB 1303s in your packet. Which would be most helpful?

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

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