Illinois has enacted House Bill 5559, which amends the Illinois Insurance Code and states that insurers must provide the insured with a brief description of how the determination of a total loss of an insured vehicle was made. This includes any available repair estimate, estimated vehicle salvage value, assessed market value, and other costs and calculations that were used. This applies to policies issued or renewed on or after July 1, 2025.

Please see Illinois House Bill 5559 for more information.