Rep. DeLaRosa backs HB4160 auto insurance appraisal reform in House’s unanimous vote

Rep. Margaret A. DeLaRosa (D-42nd) cast a Yes vote for HB4160, which addresses the auto insurance appraisal process, during the 104th General Assembly on May 31, 2026, according to the Illinois House; the chamber passed the measure unanimously, 115-0.

Per the bill's official language, its summary states: "AUTO INS-RIGHT TO APPRAISAL."

The following explanation represents an interpretation and summary of the bill’s contents rather than a verbatim restatement.

HB4160 would update the Illinois Insurance Code to require that all auto insurance policies in the state offering first-party physical damage coverage must allow either the insured or the insurer to request an appraisal in valuation or settlement disputes. The legislation specifies guidelines for selecting appraisers and, if disagreement occurs, for appointing an umpire. Appraisal results are binding, with costs generally shared except in cases where the claimant’s outcome is significantly better, making the insurer responsible for certain fees. Third-party claimants are granted similar appraisal rights. Insurers that do not comply could face penalties, including license revocation. The bill establishes an Automotive Appraisal Standards Advisory Board—required to advise on rules and best practices and to meet each quarter. The Department of Insurance is authorized to enforce these provisions and publish advisory board guidance online. The statute takes effect 90 days following enactment.

The official action for HB4160 was 'Senate Committee Amendment No. 2 House Concurs.'

DeLaRosa earned her bachelor’s degree from DePaul University.

DeLaRosa, a Democrat, was elected to serve the 42nd House District of Illinois in 2025, succeeding former state representative Terra Costa Howard.

Legislation in Illinois moves through a multi-step process starting with introduction in either chamber, committee review, floor debates, and votes in both the House and Senate ahead of the governor’s review. The General Assembly operates biennially, and while thousands of bills are introduced each session, relatively few become law by passing every stage.