HB 3755 Illinois House · 104th Regular Session

INS CD-AUTOMOBILE THEFT

Summary

Amends the Illinois Insurance Code. Provides that any policy of automobile insurance that carries comprehensive coverage may not exclude theft coverage for lack of evidence of forcible entry or for the insured leaving the vehicle unlocked or leaving a key or key fob in the vehicle. Provides that nothing in the provisions prohibits a company from investigating and denying a claim due to fraudulent acts. Effective January 1, 2026.

Bill status passed 3 of 5 stages cleared

Introduction

Apr 2025

Committee Review

Apr 2025

House Passage

Apr 2025

Senate Passage

Governor

Introduced Apr 14, 2025 Last action Apr 14, 2025

Maddy AI version diff · 1 comparison

What changed between versions

Introduced → Engrossed · 3 edits · Apr 11, 2025

MINOR

This bill clarifies that insurance companies cannot deny theft claims solely because a vehicle was unlocked or a key was left inside, while simultaneously allowing insurers to use these specific conditions as evidence of fraud. The change ensures that policyholders are protected from automatic denials for minor security lapses but still permits investigations into actual fraudulent behavior.

Scope change

The bill's scope remains focused on automobile insurance theft claims, but it modifies the rules regarding what constitutes valid grounds for denying a claim versus what can be used as supporting evidence for fraud.

REQUIREMENT

Removed the ability for insurers to automatically deny theft claims based on lack of evidence for forcible entry, leaving vehicles unlocked, or leaving keys inside.

Added a provision allowing insurers to use the specific conditions of unlocked vehicles or left keys as supporting evidence to prove fraud during claim investigations.

TIMELINE

No substantive change to the effective date, which remains January 1, 2026.

Floor votes · House Apr 11, 2025

How they voted

76–39

Passed · 3 other

Total votes 118

Apr 11, 2025

D Democratic78

76 Yea 2

97% Yea

R Republican40

39 Nay 1

97% Nay

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Amendments

Apr 14, 2025

Committee

Referred to Assignments

upper

Apr 14, 2025

Introduced

Arrive in Senate

upper

Apr 11, 2025

Lower · Passed

Third Reading - Short Debate - Passed 076-039-000

lower

Apr 11, 2025

Lower · Passed

House Floor Amendment No. 1 Adopted

lower

Apr 9, 2025

Lower · Passed

House Floor Amendment No. 1 Recommends Be Adopted Insurance Committee; 011-004-000

lower

Apr 8, 2025

Lower · Passed

House Floor Amendment No. 1 Rules Refers to Insurance Committee

lower

Apr 8, 2025

Committee

House Floor Amendment No. 1 Referred to Rules Committee

lower

Apr 8, 2025

Introduced

House Floor Amendment No. 1 Filed with Clerk by Rep. Thaddeus Jones

lower

Mar 20, 2025

Lower · Passed

Do Pass / Short Debate Insurance Committee; 011-006-000

lower

Mar 11, 2025

Committee

Assigned to Insurance Committee

lower

Feb 18, 2025

Committee

Referred to Rules Committee

lower

2 primary · 2 co-sponsors