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HB4160Introduced in the House

AUTO INS-RIGHT TO APPRAISAL

Passed

Introduced by Tracy Katz Muhl, District 57

What does this bill do?

Plain-English breakdown

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Official description

Amends the Illinois Insurance Code. Provides that every policy of automobile insurance issued, renewed, or delivered on or after July 1, 2027 in Illinois that includes first-party coverage for physical damage shall contain a provision granting the insured, in the insured's sole discretion, without the company's consent or agreement required, and the insurer the right to invoke appraisal if there is a dispute over the amount of a loss. Provides that, if a dispute arises regarding the amount of a loss, either party may submit a written demand for appraisal. Sets forth provisions concerning required actions for the selected appraisers and provides for the selection of an umpire if an agreement is not reached. Sets forth provisions concerning issuance of the award determining the amount of loss and cost allocation. Effective July 1, 2027.

Where it stands

Public Act . . . . . . . . . 104-0767

August 7, 2026

How did lawmakers vote?

House votes

5 recorded votes · each counted separately

Senate votes

3 recorded votes · each counted separately

HouseStage: House Concurrence · May 31, 2026

115

Yes

0

No

2

Absent or Not Voting

117 representatives recorded in this House vote. Colors show vote categories only, not whether a vote was good or bad.

See how each representative voted

RepresentativeDistrictVote
Aaron Ortiz1Yes
Elizabeth Hernandez2Yes
Eva Dina Delgado3Yes
Lilian Jimenez4Yes
Kimberly Du Buclet5Yes
Sonya Harper6Yes
Emanuel Welch7Yes
LaShawn Ford8Yes
Yolanda Morris9Yes
Jawaharial Williams10Yes

Bill history

  1. Filed with the Clerk by Rep. Tracy Katz Muhl

  2. First Reading

  3. Referred to Rules Committee

  4. Assigned to Insurance Committee

  5. Do Pass / Short Debate Insurance Committee; 010-004-000

  6. Placed on Calendar 2nd Reading - Short Debate

  7. House Floor Amendment No. 1 Filed with Clerk by Rep. Tracy Katz Muhl

  8. House Floor Amendment No. 1 Referred to Rules Committee

  9. House Floor Amendment No. 1 Rules Refers to Insurance Committee

  10. House Floor Amendment No. 1 Recommends Be Adopted Insurance Committee; 010-006-000

  11. Second Reading - Short Debate

  12. Held on Calendar Order of Second Reading - Short Debate

  13. House Floor Amendment No. 1 Adopted

  14. Placed on Calendar Order of 3rd Reading - Short Debate

  15. Third Reading - Short Debate - Passed 073-038-000

  16. Arrive in Senate

  17. Placed on Calendar Order of First Reading

  18. Chief Senate Sponsor Sen. Julie A. Morrison

  19. First Reading

  20. Referred to Assignments

  21. Assigned to Insurance

  22. Senate Committee Amendment No. 1 Filed with Secretary by Sen. Julie A. Morrison

  23. Senate Committee Amendment No. 1 Referred to Assignments

  24. Senate Committee Amendment No. 1 Assignments Refers to Insurance

  25. Senate Committee Amendment No. 1 Postponed - Insurance

  26. Postponed - Insurance

  27. Rule 2-10 Committee Deadline Established As May 15, 2026

  28. Postponed - Insurance

  29. Senate Committee Amendment No. 1 Postponed - Insurance

  30. Rule 2-10 Committee Deadline Established As May 22, 2026

  31. Senate Committee Amendment No. 2 Filed with Secretary by Sen. Julie A. Morrison

  32. Senate Committee Amendment No. 2 Referred to Assignments

  33. Senate Committee Amendment No. 2 Assignments Refers to Insurance

  34. Senate Committee Amendment No. 1 Postponed - Insurance

  35. Senate Committee Amendment No. 2 Adopted

  36. Do Pass as Amended Insurance; 008-000-000

  37. Placed on Calendar Order of 2nd Reading May 20, 2026

  38. Second Reading

  39. Placed on Calendar Order of 3rd Reading May 21, 2026

  40. Rule 2-10 Third Reading Deadline Established As May 31, 2026

  41. Added as Alternate Co-Sponsor Sen. Darby A. Hills

  42. Third Reading - Passed; 056-002-000

  43. Senate Committee Amendment No. 1 Tabled Pursuant to Rule 5-4(a)

  44. Arrived in House

  45. Placed on Calendar Order of Concurrence Senate Amendment(s) 2

  46. Senate Committee Amendment No. 2 Motion Filed Concur Rep. Tracy Katz Muhl

  47. Senate Committee Amendment No. 2 Motion to Concur Referred to Rules Committee

  48. Senate Committee Amendment No. 2 Motion to Concur Rules Referred to Insurance Committee

  49. Senate Committee Amendment No. 2 Motion to Concur Recommends Be Adopted Insurance Committee; 016-000-000

  50. Senate Committee Amendment No. 2 House Concurs 115-000-000

  51. House Concurs

  52. Passed Both Houses

  53. Added Chief Co-Sponsor Rep. Jeff Keicher

  54. Added as Alternate Co-Sponsor Sen. Michael W. Halpin

  55. Added as Alternate Co-Sponsor Sen. Robert F. Martwick

  56. Added as Alternate Co-Sponsor Sen. Suzy Glowiak Hilton

  57. Added as Alternate Co-Sponsor Sen. Celina Villanueva

  58. Added as Alternate Co-Sponsor Sen. Laura Fine

  59. Added as Alternate Co-Sponsor Sen. Elgie R. Sims, Jr.

  60. Sent to the Governor

  61. Governor Approved

  62. Effective Date July 1, 2027

  63. Public Act . . . . . . . . . 104-0767

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