What changed in Illinois
Insurance law does not sit still, but most guides are written once and left alone. Repealed programs and retired forms keep circulating for years. This is what actually changed inIllinois, when, and where to verify it.
January 1, 2025
Crash reportingSchool bus crashes added to the immediate-notice rule
P.A. 103-1047 restructured 625 ILCS 5/11-407. Immediate notice to police is now also required whenever a school bus is involved in a crash resulting in any property damage, injury or death, and whenever a crash within 50 feet of a school bus injures or kills someone boarding or leaving it — with no dollar threshold.
Illinois General Assembly — 625 ILCS 5/11-407August 20, 2021
Crash reportingDrivers no longer file their own written crash report
P.A. 102-560 repealed 625 ILCS 5/11-406, which had required the driver of a crash involving injury, death or property damage over $1,500 to forward a written report to the IDOT Administrator within 10 days. Drivers now only owe immediate notice to police under 11-407, and the investigating officer files the report. Guides that still tell Illinois drivers to send a written crash report to the state within 10 days are describing a repealed section.
Illinois General Assembly — 625 ILCS 5/11-406 (repealed)January 1, 2015
Minimum coverageMinimum liability limits last rose to 25/50/20 — and have not moved since
625 ILCS 5/7-203 states that the changes made by the 98th General Assembly apply to policies issued or renewed on or after January 1, 2015. That is still the current text: $25,000 per person, $50,000 per crash, $20,000 property damage, last amended by P.A. 102-982 (a terminology change, effective July 1, 2023). A widely repeated claim that Illinois moved to 30/60/25 on January 1, 2025 is false — no such act was passed. A 2025 bill (HB 0066, 104th General Assembly) proposes 50/100/40, but it has not been enacted.
Illinois General Assembly — 625 ILCS 5/7-203