Public Act 92-0669 of the 92nd General Assembly
Public Act 92-0669      
HB4371 Enrolled                               LRB9210185JSpcB
    AN ACT relating to insurance.
    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 143.24c and changing Section 424 as follows:
    (215 ILCS 5/143.24c new)
    Sec. 143.24c.  Hate crimes; coverage refusal.
    (a)  This Section applies to policies of insurance if the
insured or proposed insured  is  (1)  an  individual,  (2)  a
religious   organization   described   in   clause   (i)   of
subparagraph  (A)  of  paragraph  (1)  of  subsection  (b) of
Section 170 of Title 26 of the United  States  Code,  (3)  an
educational   organization   described   in  clause  (ii)  of
subparagraph (A)  of  paragraph  (1)  of  subsection  (b)  of
Section 170 of Title 26 of the United States Code, or (4) any
other  nonprofit  organization  described  in  clause (vi) of
subparagraph (A)  of  paragraph  (1)  of  subsection  (b)  of
Section  170  of  Title  26 of the United States Code that is
organized  and  operated  for   religious,   charitable,   or
educational purposes.
    (b)  An  insurer issuing policies subject to this Section
may not cancel, refuse to  issue,  or  refuse  to  renew  the
policy  solely on the basis that one or more claims have been
made against any policy during the preceding 60 months for  a
loss that is the result of a hate crime committed against the
person  or  property insured if the insured provides evidence
to the insurer that the act causing the loss is identified as
a hate crime on a police report.
    (c)  As it relates to this Section, if  determined  by  a
law enforcement agency, a "hate crime" may include any of the
         (1)  By   force   or   threat  of  force,  willfully
    injuring, intimidating, interfering with, oppressing,  or
    threatening  any  other  person  in  the free exercise or
    enjoyment of any right or privilege secured to him or her
    by the Constitution or laws  of  this  State  or  by  the
    Constitution  or laws of the United States because of the
    other person's race, color, religion, ancestry,  national
    origin,  disability,  gender,  or  sexual  orientation or
    because he or she perceives that the other person has one
    or more of those characteristics. This offense,  however,
    does not include speech alone, except upon a showing that
    the  speech itself threatened violence against a specific
    person or group of persons and that the defendant had the
    apparent ability to carry out the threat.
         (2)  Knowingly defacing, damaging, or destroying the
    real or personal property of any  other  person  for  the
    purpose  of  intimidating  or  interfering  with the free
    exercise or enjoyment of any right or  privilege  secured
    to  the  other person by the Constitution or laws of this
    State or by the Constitution or laws of the United States
    because of the  other  person's  race,  color,  religion,
    ancestry,  national origin, disability, gender, or sexual
    orientation or because he or she perceives that the other
    person has one or more of those characteristics.
    (d)  Nothing in this Section prevents an insurer  subject
to  this  Section from taking any of the actions specified in
subsection (b) on the basis of criteria  not  otherwise  made
invalid by this Section or any other law or rule.
    (215 ILCS 5/424) (from Ch. 73, par. 1031)
    Sec.  424.  Unfair  methods  of competition and unfair or
deceptive acts  or  practices  defined.   The  following  are
hereby  defined  as  unfair methods of competition and unfair
and deceptive acts or practices in the business of insurance:
    (1)  The commission by any person of any one or  more  of
the acts defined or prohibited by Sections 134, 143.24c, 147,
148,  149,  151,  155.22,  155.22a, 236, 237, 364, and 469 of
this Code.
    (2)  Entering into any agreement to  commit,  or  by  any
concerted  action committing, any act of boycott, coercion or
intimidation  resulting  in   or   tending   to   result   in
unreasonable  restraint  of,  or monopoly in, the business of
    (3)  Making or permitting, in the case  of  insurance  of
the types enumerated in Classes 1, 2, and 3 of Section 4, any
unfair  discrimination  between  individuals  or risks of the
same class or of essentially  the  same  hazard  and  expense
element  because  of  the  race, color, religion, or national
origin  of  such  insurance   risks   or   applicants.    The
application  of  this  Article  to  the  types  of  insurance
enumerated  in  Class  1  of Section 4 shall in no way limit,
reduce,  or  impair  the  protections  and  remedies  already
provided for by Sections 236 and 364  of  this  Code  or  any
other provision of this Code.
    (4)  Engaging  in any of the acts or practices defined in
or prohibited by Sections 154.5 through  154.8  of  the  this
Insurance Code.
    (5)  Making  or  charging  any rate for insurance against
losses arising from the use or ownership of a  motor  vehicle
which  requires  a  higher premium of any person by reason of
his physical handicap, race,  color,  religion,  or  national
(Source: P.A. 92-399, eff. 8-16-01; revised 12-07-01.)
    Passed in the General Assembly May 15, 2002.
    Approved July 16, 2002.