SB2415 mandates that comprehensive automobile insurance policies in Illinois cannot exclude theft coverage based on lack of forcible entry evidence.
SB2415 amends the Illinois Insurance Code to ensure that comprehensive automobile insurance policies cannot deny theft coverage if the claim is excluded due to lack of evidence of forcible entry, the vehicle being unlocked, or keys left inside. This protection takes effect January 1, 2026, while still allowing insurers to investigate and deny claims based on fraudulent acts.
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- Overview
- Core Provisions
- Implementation
- Impact
- Legal Framework
- Critical Issues
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