Amends the Use of Credit Information in Personal Insurance Act. Changes the short title to the Use of Credit and Claims Information in Personal Insurance Act. Defines "claims information" as any written, oral, or other form of communication that enables an insurance company to access information associated with claims made by a consumer. Provides that an insurer authorized to conduct business in the State that uses claims information to underwrite or rate risks shall not consider claims by a consumer resulting from negligent or intentional action by a third party or claims made by a consumer that were determined not to be covered by the consumer's policy when underwriting or rating personal insurance. Specifies that provisions concerning claims information do not prohibit consideration by the insurer, when underwriting or rating personal insurance, of claims information concerning any claim made by a consumer that resulted in a nonpayment of the claim due to the consumer's fraudulent activity.

Statutes affected:
Introduced: 215 ILCS 157/1, 215 ILCS 157/15, 215 ILCS 157/20