IL HB4719

Adds two new improper claims practices to the Illinois Insurance Code: knowingly exploiting an insured's physical infirmity, ignorance, illiteracy, or inability to understand policy language to obtain favorable settlements, and willfully misrepresenting investigation status or failing to conduct meaningful investigation before denying claims or offering compromise settlements.

Makes all improper claims practices under the Illinois Insurance Code violations of the Consumer Fraud and Deceptive Business Practices Act, subjecting insurers to consumer fraud enforcement and penalties.

Amends the Consumer Fraud and Deceptive Business Practices Act to explicitly classify improper insurance claims practices as unlawful practices under that Act.

Introduced by Rep. Jaime M. Andrade, Jr. in the 104th General Assembly (2025-2026 session).