IL HB5112

Insurance carriers cannot assign driving record points, cancel, refuse to issue or renew, or charge higher premiums for policyholders involved in motor vehicle crashes where the insured was not at fault.

Insurance carriers cannot cancel, refuse to issue or renew, or charge higher premiums based on an insured having lower liability limits with a previous insurer unless the carrier provides actuarial justification.

Prohibition includes using prior insurance limits for company or tier placement decisions unless the insurer provides actuarial justification.

Provisions do not apply to insureds convicted of homicide, assault, or driving under the influence arising from motor vehicle operation.

Changes apply to automobile insurance policies amended, issued, delivered, or renewed on or after the effective date of the bill.