Exams / Illinois Personal Lines Insurance Producer License / 215 ILCS 5/143.19.3
215 ILCS 5/143.19.3 — what it says, and how the exam tests it
This section is cited by 2 of our practice questions and is tested on the Illinois Personal Lines Insurance Producer License.
The text
215 ILCS 5/143.19.3. Sec. 143.19.3. Prohibition of rate increase for persons involved in emergency use of vehicles. (a) No insurer authorized to transact or transacting business in this State, or controlling or controlled by or under common control by or with an insurer authorized to transact or transacting business in this State, that sells a personal policy of automobile insurance in this State shall increase the policy premium, cancel the policy, or refuse to renew the policy solely because the insured or any other person who customarily operates an automobile covered by the policy has been involved in a crash while operating an automobile in response to an emergency when the insured was responding to a call to duty as a volunteer EMS provider, as defined in Section 1-220 of the Illinois Vehicle Code. (b) The provisions of subsection (a) also apply to all personal umbrella policies. (Source: P.A. 102-982, eff. 7-1-23.)
Public record. Read the full, current section at the official source: www.ilga.gov
How it comes up on the exam
Practice questions written from this section — answers and explanations are in the drill.
- Under Section 143.19.3, the prohibition against penalizing insureds for crashes during emergency response also applies to which additional type of personal policy?
drill Illinois Statutes and Regulations Pertinent to Personal Lines Insurance Only → - An Illinois insurer wants to increase an auto policy premium solely because the insured was involved in a crash while responding to a call as a volunteer EMS provider. Under Section 143.19.3, which action is the insurer prohibited from taking?
drill Illinois Statutes and Regulations Pertinent to Personal Lines Insurance Only →