INS-RENTAL VEHICLE COVERAGE
Summary
Amends the Illinois Insurance Code. Provides that a policy of automobile insurance that provides coverage for rental vehicle reimbursement or loss of use shall include coverage that guarantees the insured is provided with a comparable vehicle during the period of loss of use. Provides that this requirement applies to all applicable claims if the insured has elected coverage for rental vehicle reimbursement or loss of use, regardless of whether the loss of use is due to maintenance or is the result of an at-fault motor vehicle crash.
Bill status
signed
all 5 stages cleared
Introduction
Apr 2026
Committee Review
May 2026
Senate Passage
May 2026
House Passage
May 2026
Signed into Law
Aug 2026
Introduced Apr 17, 2026
Signed Aug 21, 2026
Maddy AI version diff · 2 comparisons
What changed between versions
Engrossed
→
Enrolled
·
3 edits
·
Aug 21, 2026
MINOR
The bill was finalized as an Enrolled version, removing redundant text and refining the language to require insurance companies to provide clear, written notices about rental vehicle coverage options. This change ensures consumers receive explicit information regarding loss-of-use coverage limits and costs both when applying for a policy and before it renews.
Scope change
The scope of the requirement remains focused on automobile insurance policies, but the enforcement mechanism is strengthened by mandating that notices be provided in writing rather than as general information.
REQUIREMENT
Changed the requirement from providing general 'information' to providing specific 'written notice' regarding rental vehicle coverage availability.
Clarified that the written notice must explicitly include the coverage limits and costs associated with loss of use.
TECHNICAL
Removed redundant page headers and footer text that appeared in the draft version.
Floor votes · Senate Apr 16, 2026 · House May 21, 2026
How they voted
55–0
Passed · 3 other
Total votes 58
Apr 16, 2026
D
Democratic39
92% Yea
R
Republican19
100% Yea
Vote distribution
All Yea
All Nay
Mixed
No data
Full legislative history
Actions timeline
Total actions
48
Key actions
12
Committee
14
Amendments
7
Aug 21, 2026
Signed into law
Governor Approved
upper
May 31, 2026
Upper · Passed
Passed Both Houses
upper
May 31, 2026
Upper · Passed
House Committee Amendment No. 1 Senate Concurs 058-000-000
upper
May 29, 2026
Upper · Passed
House Committee Amendment No. 1 Motion To Concur Recommended Do Adopt Insurance; 008-000-000
upper
May 28, 2026
Committee
House Committee Amendment No. 1 Motion to Concur Assignments Referred to Insurance
upper
May 28, 2026
Committee
House Committee Amendment No. 1 Motion to Concur Referred to Assignments
upper
May 22, 2026
Introduced
Placed on Calendar Order of Concurrence House Amendment(s) 1 - May 25, 2026
upper
May 22, 2026
Introduced
Secretary's Desk - Concurrence House Amendment(s) 1
upper
May 21, 2026
Lower · Passed
Third Reading - Short Debate - Passed 109-000-000
lower
May 12, 2026
Lower · Passed
Do Pass as Amended / Short Debate Insurance Committee; 012-000-000
lower
May 12, 2026
Lower · Passed
House Committee Amendment No. 1 Adopted in Insurance Committee; by Voice Vote
lower
May 12, 2026
Lower · Passed
House Committee Amendment No. 1 Rules Refers to Insurance Committee
lower
May 8, 2026
Committee
House Committee Amendment No. 1 Referred to Rules Committee
lower
May 8, 2026
Introduced
House Committee Amendment No. 1 Filed with Clerk by Rep. Justin Cochran
lower
May 7, 2026
Lower · Passed
Committee Deadline Extended-Rule 9(b) May 15, 2026
lower
Apr 27, 2026
Committee
Assigned to Insurance Committee
lower
Apr 20, 2026
Committee
Referred to Rules Committee
lower
Apr 17, 2026
Introduced
Arrived in House
lower
Apr 16, 2026
Upper · Passed
Third Reading - Passed; 056-000-000
upper
Apr 16, 2026
Upper · Passed
Senate Floor Amendment No. 1 Adopted; Murphy
upper
Apr 16, 2026
Introduced
Senate Floor Amendment No. 1 Be Approved for Consideration Assignments
upper
Apr 16, 2026
Committee
Senate Floor Amendment No. 1 Referred to Assignments
upper
Apr 16, 2026
Introduced
Senate Floor Amendment No. 1 Filed with Secretary by Sen. Laura M. Murphy
upper
Mar 11, 2026
Upper · Passed
Do Pass Insurance; 010-000-000
upper
Feb 17, 2026
Committee
Assigned to Insurance
upper
Feb 3, 2026
Committee
Referred to Assignments
upper
1 primary · 4 co-sponsors
Sponsors
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