Illinois 104th General Assembly Status: To Executive 4 D cosponsors

SB3258      — INS-RENTAL VEHICLE COVERAGE

Last action — Public Act . . . . . . . . . 104-0847

  1. ✓
    Introduced
  2. ✓
    In Committee
  3. ✓
    Passed Senate
  4. ✓
    Passed House
  5. 5
    To Executive
  6. 6
    Enacted

This bill has been sent to the executive. Introduced February 03, 2026. It awaits signature.

Next likely step: the executive signs it into law or issues a veto.

Odds of enactment

Moderate chance

Based on the sponsor, cosponsors, and committee posture, this bill has a moderate chance of becoming law.

Upgrade to see the exact probability and what's driving it.

A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Likely to advance 74% · moderate confidence

  • To Executive

    Current position in the legislative process.

  • 6 sponsors

    1 primary, 5 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (4 D).

  • Cleared a recorded vote

    Passed 6 recorded votes so far.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

In plain language

The bill requires rental vehicle coverage in insurance policies to include a comparable vehicle during loss of use.

This bill amends the Illinois Insurance Code to ensure that if a car is inoperable, insurance policies covering rental reimbursement must provide a comparable rental vehicle. This applies to all claims where rental coverage has been elected, regardless of how the car became inoperable.

What this means for you
  • Consumers: Consumers with auto insurance will benefit from guaranteed access to a comparable vehicle when theirs is unavailable.

Summary

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.

Bill Text

We don't have the full text on file for this bill yet.

Read SB3258 on the official Illinois source →

Action History

  1. Public Act . . . . . . . . . 104-0847

  2. Effective Date July 1, 2027

  3. Governor Approved

  4. Sent to the Governor

  5. Passed Both Houses

  6. Senate Concurs

  7. House Committee Amendment No. 1 Senate Concurs 058-000-000

  8. House Committee Amendment No. 1 Motion To Concur Recommended Do Adopt Insurance; 008-000-000

  9. House Committee Amendment No. 1 Motion to Concur Assignments Referred to Insurance

  10. House Committee Amendment No. 1 Motion to Concur Referred to Assignments

  11. House Committee Amendment No. 1 Motion to Concur Filed with Secretary Sen. Laura M. Murphy

  12. Placed on Calendar Order of Concurrence House Amendment(s) 1 - May 25, 2026

  13. Secretary's Desk - Concurrence House Amendment(s) 1

  14. Third Reading - Short Debate - Passed 109-000-000

  15. Placed on Calendar Order of 3rd Reading - Short Debate

  16. Second Reading - Short Debate

  17. Added Alternate Co-Sponsor Rep. Maurice A. West, II

  18. Placed on Calendar 2nd Reading - Short Debate

  19. Do Pass as Amended / Short Debate Insurance Committee; 012-000-000

  20. House Committee Amendment No. 1 Adopted in Insurance Committee; by Voice Vote

  21. House Committee Amendment No. 1 Rules Refers to Insurance Committee

  22. House Committee Amendment No. 1 Referred to Rules Committee

  23. House Committee Amendment No. 1 Filed with Clerk by Rep. Justin Cochran

  24. Committee Deadline Extended-Rule 9(b) May 15, 2026

  25. Assigned to Insurance Committee

  26. Referred to Rules Committee

  27. First Reading

  28. Chief House Sponsor Rep. Justin Cochran

  29. Arrived in House

  30. Third Reading - Passed; 056-000-000

  31. Placed on Calendar Order of 3rd Reading

  32. Senate Floor Amendment No. 1 Adopted; Murphy

  33. Recalled to Second Reading

  34. Senate Floor Amendment No. 1 Be Approved for Consideration Assignments

  35. Senate Floor Amendment No. 1 Referred to Assignments

  36. Senate Floor Amendment No. 1 Filed with Secretary by Sen. Laura M. Murphy

  37. Placed on Calendar Order of 3rd Reading March 26, 2026

  38. Second Reading

  39. Placed on Calendar Order of 2nd Reading March 12, 2026

  40. Do Pass Insurance; 010-000-000

  41. Postponed - Insurance

  42. Added as Co-Sponsor Sen. Doris Turner

  43. Added as Co-Sponsor Sen. Paul Faraci

  44. Added as Co-Sponsor Sen. Suzy Glowiak Hilton

  45. Assigned to Insurance

  46. Referred to Assignments

  47. First Reading

  48. Filed with Secretary by Sen. Laura M. Murphy

Sponsors

Sponsorship breakdown

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1 sponsors · 5 co-sponsors · 177 not signed on

Sponsors (1)

Co-sponsors (5)

Not signed on (177)

177 members have not signed on to this bill.

Show all 177 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Votes

Concurrence

Passed 58 Yea · 0 Nay
Party YeaNayPresentNot Voting
Republican 18001
Democrat 34000
Unaffiliated 5000
Total 57001
% of votes cast 98%0%0%2%
How each member voted (58)
Member Party Vote
Simmons — Yea
Harris, N. — Yea
Johnson — Yea
Glowiak Hilton — Yea
Loughran Cappel — Yea
Bill Cunningham Democrat Yea
Celina Villanueva Democrat Yea
Christopher Belt Democrat Yea
Cristina Castro Democrat Yea
David Koehler Democrat Yea
Doris Turner Democrat Yea
Elgie R. Sims, Jr. Democrat Yea
Emil Jones, III Democrat Yea
Graciela Guzmán Democrat Yea
Javier L. Cervantes Democrat Yea
Julie A. Morrison Democrat Yea
Karina Villa Democrat Yea
Kimberly A. Lightford Democrat Yea
Lakesia Collins Democrat Yea
Laura Ellman Democrat Yea
Laura Fine Democrat Yea
Laura M. Murphy Democrat Yea
Linda Holmes Democrat Yea
Mark L. Walker Democrat Yea
Mary Edly-Allen Democrat Yea
Mattie Hunter Democrat Yea
Michael E. Hastings Democrat Yea
Michael W. Halpin Democrat Yea
Mike Porfirio Democrat Yea
Omar Aquino Democrat Yea
Patrick J. Joyce Democrat Yea
Paul Faraci Democrat Yea
Rachel Ventura Democrat Yea
Ram Villivalam Democrat Yea
Robert F. Martwick Democrat Yea
Robert Peters Democrat Yea
Sara Feigenholtz Democrat Yea
Steve Stadelman Democrat Yea
Willie Preston Democrat Yea
Andrew S. Chesney Republican Yea
Chapin Rose Republican Yea
Chris Balkema Republican Yea
Craig Wilcox Republican Yea
Dale Fowler Republican Not Voting
Darby A. Hills Republican Yea
Dave Syverson Republican Yea
Donald P. DeWitte Republican Yea
Erica Harriss Republican Yea
Jason Plummer Republican Yea
Jil Tracy Republican Yea
John F. Curran Republican Yea
Li Arellano, Jr. Republican Yea
Neil Anderson Republican Yea
Sally J. Turner Republican Yea
Seth Lewis Republican Yea
Steve McClure Republican Yea
Sue Rezin Republican Yea
Terri Bryant Republican Yea

Official roll call →

Insurance

Passed 8 Yea · 0 Nay · 6 Other
Party YeaNayPresentNot Voting
Republican 1004
Democrat 6002
Unaffiliated 1000
Total 8006
% of votes cast 57%0%0%43%
How each member voted (14)
Member Party Vote
Harris III, Napoleon — Yea
Bill Cunningham Democrat Yea
Cristina Castro Democrat Not Voting
Julie A. Morrison Democrat Yea
Laura Ellman Democrat Yea
Laura Fine Democrat Yea
Mark L. Walker Democrat Yea
Suzy Glowiak Hilton Democrat Yea
Willie Preston Democrat Not Voting
Chapin Rose Republican Not Voting
Dave Syverson Republican Yea
Jason Plummer Republican Not Voting
Neil Anderson Republican Not Voting
Steve McClure Republican Not Voting

Official roll call →

Third Reading

Passed 109 Yea · 0 Nay
Party YeaNayPresentNot Voting
Democrat 65005
Republican 34004
Unaffiliated 9000
Total 108009
% of votes cast 92%0%0%8%
How each member voted (117)
Member Party Vote
Jacobs — Yea
Johnson — Yea
Jones — Yea
Du Buclet — Yea
Faver Dias — Yea
Hernandez, Lisa — Yea
Katz Muhl — Yea
La Ha — Yea
Yang Rohr — Yea
Aarón M. Ortíz Democrat Yea
Abdelnasser Rashid Democrat Yea
Amy Briel Democrat Yea
Angelica Guerrero-Cuellar Democrat Yea
Ann M. Williams Democrat Yea
Anna Moeller Democrat Yea
Anne Stava Democrat Yea
Anthony DeLuca Democrat Yea
Barbara Hernandez Democrat Yea
Bob Morgan Democrat Yea
Camille Y. Lilly Democrat Yea
Carol Ammons Democrat Yea
Curtis J. Tarver, II Democrat Yea
Dagmara Avelar Democrat Yea
Daniel Didech Democrat Yea
Dave Vella Democrat Yea
Debbie Meyers-Martin Democrat Yea
Diane Blair-Sherlock Democrat Yea
Edgar González, Jr. Democrat Yea
Eva-Dina Delgado Democrat Not Voting
Fred Crespo Democrat Yea
Harry Benton Democrat Yea
Hoan Huynh Democrat Not Voting
Jaime M. Andrade, Jr. Democrat Not Voting
Jawaharial Williams Democrat Yea
Jay Hoffman Democrat Yea
Jehan Gordon-Booth Democrat Not Voting
Jennifer Gong-Gershowitz Democrat Yea
Joyce Mason Democrat Yea
Justin Cochran Democrat Yea
Justin Slaughter Democrat Yea
Kam Buckner Democrat Yea
Katie Stuart Democrat Yea
Kelly M. Cassidy Democrat Yea
Kevin John Olickal Democrat Yea
La Shawn K. Ford Democrat Yea
Lawrence "Larry" Walsh, Jr. Democrat Yea
Lilian Jiménez Democrat Yea
Lindsey LaPointe Democrat Yea
Lisa Davis Democrat Not Voting
Marcus C. Evans, Jr. Democrat Yea
Margaret A. DeLaRosa Democrat Yea
Margaret Croke Democrat Yea
Martha Deuter Democrat Yea
Mary Beth Canty Democrat Yea
Mary Gill Democrat Yea
Matt Hanson Democrat Yea
Maura Hirschauer Democrat Yea
Maurice A. West, II Democrat Yea
Michael Crawford Democrat Yea
Michael J. Kelly Democrat Yea
Michelle Mussman Democrat Yea
Nabeela Syed Democrat Yea
Natalie A. Manley Democrat Yea
Nicholas K. Smith Democrat Yea
Nicolle Grasse Democrat Yea
Norma Hernandez Democrat Yea
Rick Ryan Democrat Yea
Rita Mayfield Democrat Yea
Robert "Bob" Rita Democrat Yea
Robyn Gabel Democrat Yea
Sharon Chung Democrat Yea
Sonya M. Harper Democrat Yea
Stephanie A. Kifowit Democrat Yea
Sue Scherer Democrat Yea
Suzanne M. Ness Democrat Yea
Theresa Mah Democrat Yea
Will Guzzardi Democrat Yea
William "Will" Davis Democrat Yea
Yolonda Morris Democrat Yea
Adam M. Niemerg Republican Yea
Amy Elik Republican Yea
Amy L. Grant Republican Yea
Blaine Wilhour Republican Yea
Brad Halbrook Republican Yea
Brad Stephens Republican Yea
Bradley Fritts Republican Yea
Brandun Schweizer Republican Yea
Charles Meier Republican Yea
Chris Miller Republican Yea
Christopher "C.D." Davidsmeyer Republican Yea
Dan Swanson Republican Yea
Daniel J. Ugaste Republican Yea
Dave Severin Republican Yea
David Friess Republican Yea
Dennis Tipsword Republican Not Voting
Jackie Haas Republican Yea
Jason R. Bunting Republican Yea
Jed Davis Republican Yea
Jeff Keicher Republican Yea
Jennifer Sanalitro Republican Yea
Joe C. Sosnowski Republican Not Voting
John M. Cabello Republican Yea
Kevin Schmidt Republican Yea
Kyle Moore Republican Yea
Martin McLaughlin Republican Yea
Michael J. Coffey, Jr. Republican Yea
Norine K. Hammond Republican Yea
Patrick Sheehan Republican Yea
Patrick Windhorst Republican Yea
Regan Deering Republican Yea
Ryan Spain Republican Not Voting
Steven Reick Republican Yea
Tom Weber Republican Yea
Tony M. McCombie Republican Yea
Travis Weaver Republican Yea
Wayne A. Rosenthal Republican Yea
William E Hauter Republican Not Voting

Official roll call →

Insurance

Passed 12 Yea · 0 Nay · 4 Other
Party YeaNayPresentNot Voting
Republican 3003
Democrat 9000
Unaffiliated 0001
Total 12004
% of votes cast 75%0%0%25%
How each member voted (16)
Member Party Vote
Williams, Jawaharial — Not Voting
Bob Morgan Democrat Yea
Daniel Didech Democrat Yea
Edgar González, Jr. Democrat Yea
Justin Cochran Democrat Yea
Maurice A. West, II Democrat Yea
Rita Mayfield Democrat Yea
Thaddeus Jones Democrat Yea
Tracy Katz Muhl Democrat Yea
William "Will" Davis Democrat Yea
Adam M. Niemerg Republican Not Voting
Dennis Tipsword Republican Not Voting
Jeff Keicher Republican Not Voting
John M. Cabello Republican Yea
Travis Weaver Republican Yea
William E Hauter Republican Yea

Official roll call →

Third Reading

Passed 56 Yea · 0 Nay
Party YeaNayPresentNot Voting
Republican 19000
Democrat 31003
Unaffiliated 5000
Total 55003
% of votes cast 95%0%0%5%
How each member voted (58)
Member Party Vote
Simmons — Yea
Harris, N. — Yea
Johnson — Yea
Glowiak Hilton — Yea
Loughran Cappel — Yea
Bill Cunningham Democrat Not Voting
Celina Villanueva Democrat Yea
Christopher Belt Democrat Yea
Cristina Castro Democrat Yea
David Koehler Democrat Yea
Doris Turner Democrat Yea
Elgie R. Sims, Jr. Democrat Yea
Emil Jones, III Democrat Yea
Graciela Guzmán Democrat Yea
Javier L. Cervantes Democrat Yea
Julie A. Morrison Democrat Yea
Karina Villa Democrat Yea
Kimberly A. Lightford Democrat Yea
Lakesia Collins Democrat Yea
Laura Ellman Democrat Yea
Laura Fine Democrat Yea
Laura M. Murphy Democrat Yea
Linda Holmes Democrat Yea
Mark L. Walker Democrat Yea
Mary Edly-Allen Democrat Yea
Mattie Hunter Democrat Yea
Michael E. Hastings Democrat Yea
Michael W. Halpin Democrat Yea
Mike Porfirio Democrat Not Voting
Omar Aquino Democrat Yea
Patrick J. Joyce Democrat Yea
Paul Faraci Democrat Yea
Rachel Ventura Democrat Yea
Ram Villivalam Democrat Yea
Robert F. Martwick Democrat Yea
Robert Peters Democrat Not Voting
Sara Feigenholtz Democrat Yea
Steve Stadelman Democrat Yea
Willie Preston Democrat Yea
Andrew S. Chesney Republican Yea
Chapin Rose Republican Yea
Chris Balkema Republican Yea
Craig Wilcox Republican Yea
Dale Fowler Republican Yea
Darby A. Hills Republican Yea
Dave Syverson Republican Yea
Donald P. DeWitte Republican Yea
Erica Harriss Republican Yea
Jason Plummer Republican Yea
Jil Tracy Republican Yea
John F. Curran Republican Yea
Li Arellano, Jr. Republican Yea
Neil Anderson Republican Yea
Sally J. Turner Republican Yea
Seth Lewis Republican Yea
Steve McClure Republican Yea
Sue Rezin Republican Yea
Terri Bryant Republican Yea

Official roll call →

Insurance

Passed 10 Yea · 0 Nay · 4 Other
Party YeaNayPresentNot Voting
Republican 2003
Democrat 8001
Total 10004
% of votes cast 71%0%0%29%
How each member voted (14)
Member Party Vote
Bill Cunningham Democrat Yea
Cristina Castro Democrat Yea
David Koehler Democrat Yea
Julie A. Morrison Democrat Yea
Laura Ellman Democrat Yea
Mark L. Walker Democrat Yea
Mattie Hunter Democrat Yea
Suzy Glowiak Hilton Democrat Yea
Willie Preston Democrat Not Voting
Chapin Rose Republican Not Voting
Dave Syverson Republican Not Voting
Jason Plummer Republican Yea
Neil Anderson Republican Not Voting
Steve McClure Republican Yea

Official roll call →

Subjects

finance transportation health-insurance
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Frequently asked questions

What does SB3258      do?
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.
Who sponsors SB3258     ?
SB3258      is sponsored by Justin Cochran, Maurice A. West, II, Laura M. Murphy (Democrat), Suzy Glowiak Hilton (Democrat), Paul Faraci (Democrat), and Doris Turner (Democrat).
What is the current status of SB3258     ?
This bill has been sent to the executive. Introduced February 03, 2026. It awaits signature.
Where can I track SB3258     ?
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