Illinois legislation · 104th General Assembly
Illinois SB3258: INS-RENTAL VEHICLE COVERAGE
Status: Signed into law, August 21, 2026
Amends the Illinois Insurance Code. Provides that a policy of automobile insurance that provides coverage for rental vehicle reimbursement or loss of use shall include coverage that guarantees the insured is provided with a comparable vehicle during the period of loss of use. Provides that this requirement applies to all applicable claims if the insured has elected coverage for rental vehicle reimbursement or loss of use, regardless of whether the loss of use is due to maintenance or is the result of an at-fault motor vehicle crash.
What the bill says
A bill FOR 104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026SB3258Introduced 2/3/2026, by Sen. Laura M. MurphySYNOPSIS AS INTRODUCED: ILCS 5/143.35 new 215 ILCS 5/143.35 new ILCS 5/143.35 new Amends the Illinois Insurance Code. Provides that a policy ofautomobile insurance that provides coverage for rental vehiclereimbursement or loss of use shall include coverage that guarantees theinsured is provided with a comparable vehicle during the period of loss ofuse…
From the introduced text, February 3, 2026:
A BILL FOR 104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026SB3258Introduced 2/3/2026, by Sen. Laura M. MurphySYNOPSIS AS INTRODUCED: ILCS 5/143.35 new 215 ILCS 5/143.35 new ILCS 5/143.35 new Amends the Illinois Insurance Code. Provides that a policy ofautomobile insurance that provides coverage for rental vehiclereimbursement or loss of use shall include coverage that guarantees theinsured is provided with a comparable vehicle during the period of loss ofuse. Provides that this requirement applies to all applicable claims ifthe insured has elected coverage for rental vehicle reimbursement or lossof use, regardless of whether the loss of use is due to maintenance or isthe result of an at-fault motor vehicle crash. LRB104 17101 BAB 30520 b LRB104 17101 BAB 30520 b LRB104 17101 BAB 30520 b A BILL FOR SB3258LRB104 17101 BAB 30520 b SB3258 LRB104 17101 BAB 30520 b SB3258 LRB104 17101 BAB 30520 b AN ACT concerning regulation. Be it enacted by the People of the State of Illinois, represented in the General Assembly: Section 5.The Illinois Insurance Code is amended by adding Section 143.35 as follows: (215 ILCS 5/143.35 new) [ADDED: Sec. 143.35. ][ADDED: Comparable rental vehicle coverage.] [ADDED: (a) In this Section:] [ADDED: "Comparable vehicle" means a rental motor vehicle that is ] [ADDED: similar in size, model, interior, and utility class to the ] [ADDED: insured …
Sponsors
- Laura M. Murphy (D, 28) · primary sponsor
- Suzy Glowiak Hilton (D, 23)
- Paul Faraci (D, 52)
- Doris Turner (D, 48)
- Justin Cochran (D, 55)
- Maurice West (D, 67)
Latest actions
- : Public Act . . . . . . . . . 104-0847
- : Effective Date July 1, 2027
- : Governor Approved
- : Sent to the Governor
- : Passed Both Houses
- : Senate Concurs
- : House Committee Amendment No. 1 Senate Concurs 058-000-000
- : House Committee Amendment No. 1 Motion To Concur Recommended Do Adopt Insurance; 008-000-000
- : House Committee Amendment No. 1 Motion to Concur Assignments Referred to Insurance
- : House Committee Amendment No. 1 Motion to Concur Referred to Assignments
Votes
- House Committee Amendment No. 1 Senate Concurs (May 31, 2026): 58 yea, 0 nay, passed
- House Committee Amendment No. 1 Motion To Concur Recommended Do Adopt Insurance (May 29, 2026): 8 yea, 0 nay, passed
- Third Reading - Short Debate - Passed (May 21, 2026): 109 yea, 0 nay, passed
- Do Pass as Amended / Short Debate Insurance Committee (May 12, 2026): 12 yea, 0 nay, passed
- Third Reading - Passed (April 16, 2026): 56 yea, 0 nay, passed
- Do Pass Insurance (March 11, 2026): 10 yea, 0 nay, passed
Subjects: ILCS 215 - Insurance
Common questions
- What is SB3258?
- SB3258 is a bill in the Illinois Legislature (104th General Assembly): INS-RENTAL VEHICLE COVERAGE.
- What does SB3258 do?
- In its own words: A bill FOR 104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026SB3258Introduced 2/3/2026, by Sen. Laura M. MurphySYNOPSIS AS INTRODUCED: ILCS 5/143.35 new 215 ILCS 5/143.35 new ILCS 5/143.35 new Amends the Illinois Insurance Code. Provides that a policy ofautomobile insurance that provides coverage for rental vehiclereimbursement or loss of use shall include coverage that guarantees theinsured is provided with a comparable vehicle during the period of loss ofuse…
- What is the status of SB3258?
- Signed into law as of August 21, 2026. Latest action: Public Act . . . . . . . . . 104-0847 (August 21, 2026).
- Who sponsored SB3258?
- Laura M. Murphy (D, 28), with 5 co-sponsors.
- Where is the official record for SB3258?
- On the Illinois Legislature website: https://www.ilga.gov/Legislation/BillStatus?DocNum=3258&GAID=18&DocTypeID=SB&SessionID=114
Source: official Illinois record. Tracked by Delilah, AI for legislation across all 50 states and Congress.