<tr><td class="xsl" colspan="3"><p> </p> </td></tr></td></tr><tr><td class="xsl" colspan="3"><table class="xsl" width="100%"><colgroup width="5%"></colgroup><colgroup width="5%"></colgroup><colgroup width="30%"></colgroup><colgroup width="20%"></colgroup><colgroup width="40%"></colgroup><tr><td class="number"></td><td class="junk"></td><td class="xsl" align="left">HB3755 Engrossed</td><td class="xsl" align="center"></td><td class="xsl" align="right">LRB104 09594 BAB 19659 b</td></tr></table></td></tr><tr><td class="xsl"> </td></tr><tr><td class="number">1</td><td class="junk"></td><td class="xsl" ><code> </code><code>AN ACT concerning regulation.</code> </td></tr><tr><td class="number">2</td><td class="junk"></td><td class="xsl" ><code> </code><b><code>Be it enacted by the People of the State of Illinois, </code></b></td></tr><tr><td class="number">3</td><td class="junk"></td><td class="xsl" ><b><code>represented in the General Assembly:</code></b> </td></tr><tr><td class="number">4</td><td class="junk"></td><td class="xsl" ><code> </code><code>Section 5. </code><code>The Illinois Insurance Code is amended by </code></td></tr><tr><td class="number">5</td><td class="junk"></td><td class="xsl" ><code>adding Section 143.13b as follows:</code> </td></tr><tr><td class="number">6</td><td class="junk"></td><td class="xsl" ><code> </code><code>(215 ILCS 5/143.13b new)</code></td></tr><tr><td class="number">7</td><td class="junk"></td><td class="xsl" ><code> </code><u><code>Sec. 143.13b. </code></u><u><code>Coverage for motor vehicle theft. </code></u><u><code>Any policy </code></u></td></tr><tr><td class="number">8</td><td class="junk"></td><td class="xsl" ><u><code>of automobile insurance that carries comprehensive coverage </code></u></td></tr><tr><td class="number">9</td><td class="junk"></td><td class="xsl" ><u><code>may not exclude theft coverage for the following reasons:</code></u></td></tr><tr><td class="number">10</td><td class="junk"></td><td class="xsl" ><code> </code><u><code>(a) Lack of evidence of forcible entry;</code></u></td></tr><tr><td class="number">11</td><td class="junk"></td><td class="xsl" ><code> </code><u><code>(b) The insured leaving the vehicle unlocked; or</code></u></td></tr><tr><td class="number">12</td><td class="junk"></td><td class="xsl" ><code> </code><u><code>(c) The insured leaving a key or key fob in the vehicle.</code></u></td></tr><tr><td class="number">13</td><td class="junk"></td><td class="xsl" ><u><code>Nothing in this Section prohibits a company from investigating </code></u></td></tr><tr><td class="number">14</td><td class="junk"></td><td class="xsl" ><u><code>and denying a claim due to fraudulent acts. Nothing in this </code></u></td></tr><tr><td class="number">15</td><td class="junk"></td><td class="xsl" ><u><code>Section prevents a company from using items (a), (b), and (c) </code></u></td></tr><tr><td class="number">16</td><td class="junk"></td><td class="xsl" ><u><code>to support evidence of fraud.</code></u> </td></tr><tr><td class="number">17</td><td class="junk"></td><td class="xsl" ><code> </code><code>Section 99. </code><code>Effective date. </code><code>This Act takes effect January </code></td></tr><tr><td class="number">18</td><td class="junk"></td><td class="xsl" ><code>1, 2026.</code>