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HB4160 • 2026
AUTO INS-RIGHT TO APPRAISAL
This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.
Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.
AUTO INS-RIGHT TO APPRAISAL
These notes stay tied to the official amendment files and metadata from the legislature.
Plain English: Illinois General Assembly - Full Text of HB4160 Select Language × The Illinois General Assembly offers the Google Translate™ service for visitor convenience.
Plain English: Illinois General Assembly - Full Text of HB4160 Select Language × The Illinois General Assembly offers the Google Translate™ service for visitor convenience.
Sent to the Governor
Added as Alternate Co-Sponsor Sen. Elgie R. Sims, Jr.
Senate Committee Amendment No. 2 House Concurs 115-000-000
House Concurs
Passed Both Houses
Added Chief Co-Sponsor Rep. Jeff Keicher
Added as Alternate Co-Sponsor Sen. Michael W. Halpin
Added as Alternate Co-Sponsor Sen. Robert F. Martwick
Added as Alternate Co-Sponsor Sen. Suzy Glowiak Hilton
Added as Alternate Co-Sponsor Sen. Celina Villanueva
Added as Alternate Co-Sponsor Sen. Laura Fine
Senate Committee Amendment No. 2 Motion to Concur Rules Referred to Insurance Committee
Senate Committee Amendment No. 2 Motion to Concur Recommends Be Adopted Insurance Committee ; 016-000-000
Added as Alternate Co-Sponsor Sen. Darby A. Hills
Third Reading - Passed; 056-002-000
Senate Committee Amendment No. 1 Tabled Pursuant to Rule 5-4(a)
Arrived in House
Placed on Calendar Order of Concurrence Senate Amendment(s) 2
Senate Committee Amendment No. 2 Motion Filed Concur Rep. Tracy Katz Muhl
Senate Committee Amendment No. 2 Motion to Concur Referred to Rules Committee
Rule 2-10 Third Reading Deadline Established As May 31, 2026
Second Reading
Placed on Calendar Order of 3rd Reading May 21, 2026
Senate Committee Amendment No. 2 Assignments Refers to Insurance
Senate Committee Amendment No. 1 Postponed - Insurance
Senate Committee Amendment No. 2 Adopted
Do Pass as Amended Insurance ; 008-000-000
Placed on Calendar Order of 2nd Reading May 20, 2026
Rule 2-10 Committee Deadline Established As May 22, 2026
Senate Committee Amendment No. 2 Filed with Secretary by Sen. Julie A. Morrison
Senate Committee Amendment No. 2 Referred to Assignments
Postponed - Insurance
Senate Committee Amendment No. 1 Postponed - Insurance
Rule 2-10 Committee Deadline Established As May 15, 2026
Senate Committee Amendment No. 1 Assignments Refers to Insurance
Senate Committee Amendment No. 1 Postponed - Insurance
Postponed - Insurance
Senate Committee Amendment No. 1 Filed with Secretary by Sen. Julie A. Morrison
Senate Committee Amendment No. 1 Referred to Assignments
Assigned to Insurance
Arrive in Senate
Placed on Calendar Order of First Reading
Chief Senate Sponsor Sen. Julie A. Morrison
First Reading
Referred to Assignments
House Floor Amendment No. 1 Adopted
Placed on Calendar Order of 3rd Reading - Short Debate
Third Reading - Short Debate - Passed 073-038-000
Second Reading - Short Debate
Held on Calendar Order of Second Reading - Short Debate
House Floor Amendment No. 1 Recommends Be Adopted Insurance Committee ; 010-006-000
House Floor Amendment No. 1 Filed with Clerk by Rep. Tracy Katz Muhl
House Floor Amendment No. 1 Referred to Rules Committee
House Floor Amendment No. 1 Rules Refers to Insurance Committee
Placed on Calendar 2nd Reading - Short Debate
Do Pass / Short Debate Insurance Committee ; 010-004-000
Assigned to Insurance Committee
Filed with the Clerk by Rep. Tracy Katz Muhl
First Reading
Referred to Rules Committee
AUTO INS-RIGHT TO APPRAISAL
Illinois General Assembly - Full Text of HB4160 Select Language × The Illinois General Assembly offers the Google Translate™ service for visitor convenience. In no way should it be considered accurate as to the translation of any content herein. Visitors of the Illinois General Assembly website are encouraged to use other translation services available on the internet. The English language version is always the official and authoritative version of this website. NOTE: To return to the original English language version, select the "Show Original" button on the Google Translate™ menu bar at the top of the window. 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Full Text of HB4160 Home Legislation Full Text HB4160 - 104th General Assembly Bill Status Full Text Votes Witness Slips Select Menu Bill Status Full Text Votes Witness Slips Printer Friendly Version Introduced Engrossed Enrolled House Amendment 001 Senate Amendment 001 Senate Amendment 002 Printer Friendly Version Introduced Engrossed Enrolled House Amendment 001 Senate Amendment 001 Senate Amendment 002 Open PDF HB4160 Enrolled LRB104 15794 BAB 28989 b 1 AN ACT concerning regulation. 2 Be it enacted by the People of the State of Illinois, 3 represented in the General Assembly: 4 Section 5. The Illinois Insurance Code is amended by 5 adding Section 398 as follows: 6 (215 ILCS 5/398 new) 7 Sec. 398. Right to appraisal. 8 (a) Definitions. As used in this Section: 9 "Actual cash value" means the market value of the subject 10 property of the personal automobile insurance policy 11 immediately before it was damaged. 12 "Amount of loss" means: 13 (1) with regard to the repair of the vehicle, the cost 14 to repair the damage to the subject property expressed 15 monetarily in the context of the repair of a vehicle; and 16 (2) with regard to the value of the vehicle, the 17 actual cash value of the vehicle. 18 "Appraiser" means an individual selected to determine the 19 value of the disputed loss. 20 "Competent" means an individual with appropriate subject 21 matter expertise, training, and experience in automobile 22 damage valuation and claims practices. 23 "Disinterested" means an individual having no direct or HB4160 Enrolled - 2 - LRB104 15794 BAB 28989 b 1 indirect financial interest in the outcome of the appraisal. 2 "Umpire" means a neutral, competent, and disinterested 3 individual with relevant experience in vehicle damage 4 assessment. 5 (b) Right to appraisal for first-party claims. 6 (1) Every policy of automobile insurance, as defined 7 in subsection (a) of Section 143.13, issued, renewed, or 8 delivered on or after July 1, 2027 in Illinois that 9 includes first-party coverage for physical damage shall 10 contain a provision granting the insured, in the insured's 11 sole discretion, without the company's consent or 12 agreement required, and the insurer the right to invoke 13 appraisal if there is a dispute over the amount of a loss. 14 (2) If a dispute arises regarding the amount of a 15 loss, either party may submit a written demand for 16 appraisal. Within 7 business days after receiving the 17 demand, each party shall: 18 (A) select a competent and disinterested 19 appraiser; and 20 (B) notify the opposing party in writing of the 21 selection. 22 (3) The 2 appraisers shall independently determine the 23 amount of loss. If the appraisers fail to agree on the 24 amount of a loss within 5 business days after the date of 25 their appointment, they shall jointly select an umpire. If 26 the appraisers fail to agree on an umpire within 15 HB4160 Enrolled - 3 - LRB104 15794 BAB 28989 b 1 business days after they failed to agree on the amount of 2 the loss, either party may petition a court to appoint a 3 suitable umpire. 4 (4) The 2 appraisers or, if there is a disagreement 5 under paragraph (3), one appraiser and the umpire shall 6 issue an award determining the amount of the loss. A final 7 award shall be determined within 5 business days after the 8 umpire was selected. 9 (5) An agreement by any 2 of the 3, either both 10 appraisers or one appraiser and the umpire, shall be 11 binding upon all parties. 12 (c) Cost allocation. 13 (1) Each party shall bear the cost of its own 14 appraiser. 15 (2) The cost of the umpire shall be shared equally 16 between the parties. 17 Section 99. Effective date. This Act takes effect July 1, 18 2027. Footer Disclaimer This site is maintained for the Illinois General Assembly by the Legislative Information System, 705 Stratton Building, Springfield, Illinois 62706. Contact ILGA Webmaster ILGA.gov uses cookies to ensure you get the best experience on our website. By continuing to browse ILGA.gov you consent to our use of cookies. 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