On Nov. 30, 2023, the Illinois Supreme Court held that uninsured motorist policies that limit coverage to vehicle occupants violate section 143a of the Illinois Insurance Code and are unenforceable as a matter of public policy.

The Illinois General Assembly amended the Illinois Insurance Code. A pharmacy benefit manager may not engage in retaliatory acts against a pharmacy or pharmacist for disclosing information they reasonably believe contains evidence of a violation of a state or federal law, rule, or regulation.

The Illinois General Assembly amended the Illinois Insurance Code. Any group or individual policy of accident and health insurance or managed care plan amended, delivered, issued, or renewed after Jan. 1, 2025, must include coverage for one annual mental health prevention and wellness visit for children and adults.

On Aug. 30, 2023, the First District of the Illinois Appellate Court held insurance companies are not required to defend an insured when the alleged conduct does not constitute an “occurrence” as defined by their policies.

On Aug. 14, 2023, the Third District of the Illinois Appellate Court held that an insurance company had no duty to defend or indemnify its policyholder in a derivative suit where the insurance company was found to have no duty to defend in a previous case arising from the same transaction.

The Illinois General Assembly amended the portion of the Illinois Insurance Code regarding coverage for naloxone hydrochloride (Narcan), a drug used to rapidly reverse opioid overdoses. Accident and health insurance policies for groups and individuals that provide coverage for naloxone hydrochloride and are delivered, amended, issued, or renewed after Jan. 1, 2024, will be prohibited from imposing copays.

The Illinois General Assembly enacted the Private Primary Residential Flood Act. The Act regulates private insurers offering primary residential flood insurance to consumers. All insurers must notify and obtain the approval of the Department of Insurance at least 30 days before writing a residential flood insurance policy within the state.

On Nov. 30, 2022, the First District of the Illinois Appellate Court held that failure to provide notice of a claim to an insurer within 30 days of an automobile accident per the policy was not a material breach justifying nonperformance by an insurer.

On Nov. 16, 2022, the First District of the Illinois Appellate Court held a statute governing the effect of marriage dissolution judgments on life insurance policy beneficiaries should not be applied retroactively.

This Act amends the Illinois Insurance Code. When an insurer determines an insured or third-party claimant’s private-passenger vehicle is a total loss and is covered under the terms of a personal automobile policy issued or renewed on or after July 1, 2022, the insurer must pay a replacement vehicle use or occupation tax, and title and transfer fees.

On Aug. 15, the First District of the Illinois Appellate Court held that an insurance company must receive actual notice of a suit against its insured to trigger a duty to indemnify or defend the insured.

On June 22, 2022, the First District of the Illinois Appellate Court held that a homeowner’s insurance policy provided coverage for a fire that started when the policyholder was performing plumbing work at the property he did not own.

On June 27, 2022, the Third District of the Illinois Appellate Court held that a vehicle was not excluded from liability coverage because the family member exclusion did not apply, and the vehicle was not available for “regular” use.

On Mar. 21, 2022, the First District of the Illinois Appellate Court held that disruptions to a restaurant’s business during the COVID-19 pandemic constituted an economical, but not physical, loss within the meaning of an insurance policy.

On Sept. 14, 2021, the Fourth District of the Illinois Appellate Court reversed and remanded a trial court’s order requiring an insurance company to provide coverage.

On July 23, 2020, the First District of the Illinois Appellate Court found that a plaintiff who waited 11 days to report a hit-and-run accident did so “as soon as practicable” under the circumstances.

On July 22, 2020, the Second District of the Illinois Appellate Court affirmed a circuit court’s ruling that, in the interest of public policy, an insured passenger in a car accident was entitled to uninsured-motorist coverage despite the terms of the insurance policy clearly stating the opposite.

On July 24, 2020, the Fifth District of the Illinois Appellate Court held that the cost of labor cannot be depreciated when an insurer is calculating the actual cash value of a loss.

On Sept. 30, 2019, the Fifth District Court of Appeals found the term “mechanical device” in an auto policy to be overly broad and vague. It held that the policy, which excluded coverage for incidents involving a “mechanical device,” was to be construed against the insurer.

The Secretary of State adopted amendments to Illinois Safety Responsibility Law (42 Ill. Adm. Code 6601 (effective Aug. 23, 2018)).

The Illinois Appellate Court reversed the lower court's holding that an insurance company does not have a duty to defend and found that the insurance company does have a duty to defend where the defendant policy holder negligently entrusted her vehicle to another (resulting in an accident).

The section of the Unclaimed Life Insurance Benefits Act that governs Insurer Conduct has been amended to reflect that insurers are required to search for and then compare past insurance information of insureds.

The appellate court considered whether set-off language in an arbitrator's award made the award so indefinite as to prevent interest from accruing under § 2-1303 and held it did not.

A new section of the Illinois Insurance Code (section 356z.25) requires a group or individual policy of accident and health insurance or managed care plan to provide coverage for the treatment of pediatric autoimmune neuropsychiatric disorders associated with streptococcal infections and pediatric acute-onset neuropsychiatric syndrome.

The Department of Insurance adopted three amendments that implemented changes in the National Association of Insurance Commissioners Model Law Number 440 and the Insurance Code.