Illinois Insurance Regulations

Overview

Illinois Department of Insurance regulates one of the largest insurance markets in the Midwest. The state uses modified comparative fault, barring recovery at 50% or more fault, and has consumer-friendly complaint resolution processes.

Key Insurance Regulations in Illinois

• Modified comparative fault — barred at 50% or more fault
• 2-year statute of limitations for personal injury, 5 years for property damage
• Mandatory auto insurance: 25/50/20 minimum liability

Filing an Insurance Complaint in Illinois

If you believe your insurance company has acted unfairly or violated Illinois insurance laws, you can file a complaint with the Illinois Department of Insurance. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Illinois Department of Insurance typically responds to complaints within 30 days.