HB3755
View on ILGAINS CD-AUTOMOBILE THEFT
What this bill does
Amends the Illinois Insurance Code. Provides that any policy of automobile insurance that carries comprehensive coverage may not exclude theft coverage for lack of evidence of forcible entry or for the insured leaving the vehicle unlocked or leaving a key or key fob in the vehicle. Provides that nothing in the provisions prohibits a company from investigating and denying a claim due to fraudulent acts. Effective January 1, 2026.
Stuck
P(Advance)
Chance it ever
reaches a milestone (committee, floor, etc.). Not “next step.”
P(Law)
Chance it becomes
law given where it is now (stage, momentum).
Forecast
Low
P(law) at intro —
sponsor & topic only; no progress or delay.
Confidence: 67%
Calculating prediction drivers...
Pipeline Progress
Current stage: Crossed Chambers · Last action 544 days ago
How does a bill become law in Illinois?
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Introduction of Bill
A member of the Senate or the House introduces a bill, which is assigned a unique identifying number (e.g., "H.B. ___" for House bills and "S.B. ___" for Senate bills). If not enacted, it must be reintroduced in the next General Assembly with a new number.
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Committee Work — Hearings
The bill goes to the appropriate committee, which holds hearings to gather expert opinions and determine the need for the legislation.
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Committee Work — Markup, Amendments, Report
The committee may make amendments to the bill. If approved, a committee report endorsing the bill is issued.
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Floor Debate
The bill is debated and can be further amended. The debate transcripts are accessible online for public viewing.
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Passage and Consideration in Second Chamber
If the bill passes in the first chamber, it moves to the second chamber for a similar review process. If both chambers approve, it goes to the governor.
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Gubernatorial Action
The governor can sign the bill into law, veto it, or take no action (resulting in an automatic law after 60 days). The type of veto can be total or amendatory. Once signed, the bill becomes a Public Act and is assigned a Public Act number.
Sponsor Context
Campaign finance
This is SBE campaign receipts to the people on this bill, not Moneyball and not earmarked to the bill.
Money is campaign receipts to matched candidate committees, not earmarked to this bill. Window 2025-01-01 – 2026-09-13.
$1,422,718.59
Across sponsors / voters
4
Members with trails
25
Overlapping donors
Sponsor and voter funding
| Member | Role | Receipts | Total received | Top donors |
|---|---|---|---|---|
| Thaddeus Jones | Chief sponsor | 205 | $444,420.08 | I.P.A.C.E. ($30,000.00); Superior Ambulance Service, Inc. ($18,018.83); ACP OPCO LLC ($15,000.00) |
| Bob Morgan | Sponsor | 275 | $400,474.94 | Health Care Council of Illinois PAC ($50,000.00); IPACE ($15,000.00); Illinois State Medical Society PAC ($12,000.00) |
| Camille Y. Lilly | Sponsor | 86 | $95,238.00 | Health Care Council of Illinois Political Action Comm. ($10,000.00); Liuna Chicago Laborers' District Council PAC ($7,500.00); Chicago Land Operators Joint Labor-Management PAC ($6,500.00) |
| Julie A. Morrison | Sponsor | 251 | $482,585.57 | Health Care Council of Illinois PAC ($20,250.00); IPACE ($18,000.00); Dudley & Lake LLC ($14,000.00) |
Overlapping donors
Donors who gave to more than one sponsor or voter on this bill. Still not earmarked to the bill.
| Donor | Members | Total |
|---|---|---|
| Health Care Council of Illinois PAC | Camille Y. Lilly, Thaddeus Jones, Julie A. Morrison, Bob Morgan | $80,500.00 |
| IPACE | Julie A. Morrison, Bob Morgan | $33,000.00 |
| Chicago Land Operators Joint Labor-Management PAC | Camille Y. Lilly, Thaddeus Jones, Julie A. Morrison, Bob Morgan | $32,000.00 |
| Illinois Laborers' Legislative Committee | Camille Y. Lilly, Julie A. Morrison, Bob Morgan | $22,500.00 |
| Davita | Thaddeus Jones, Bob Morgan | $20,000.00 |
| Illinois State Medical Society PAC | Camille Y. Lilly, Thaddeus Jones, Julie A. Morrison, Bob Morgan | $20,000.00 |
| Realtor Political Action Committee | Camille Y. Lilly, Julie A. Morrison, Bob Morgan | $16,000.00 |
| Illinois Insurance Political Committee | Thaddeus Jones, Julie A. Morrison | $12,500.00 |
| Illinois Hospital Association PAC | Julie A. Morrison, Bob Morgan | $12,000.00 |
| Health Care Service Corporation | Thaddeus Jones, Julie A. Morrison | $10,000.00 |
| Accel Entertainment Gaming, LLC | Camille Y. Lilly, Julie A. Morrison, Bob Morgan | $9,500.00 |
| CAR of Illinois | Camille Y. Lilly, Julie A. Morrison | $9,500.00 |
| Big I Illinois PAC | Julie A. Morrison, Bob Morgan | $8,500.00 |
| Associated Beer Distributors of Illinois PAC | Camille Y. Lilly, Julie A. Morrison | $8,500.00 |
| Novartis | Julie A. Morrison, Bob Morgan | $8,000.00 |
| American Property Casualty Insurance Association Political Account | Julie A. Morrison, Bob Morgan | $7,750.00 |
| Sports Betting Alliance | Thaddeus Jones, Julie A. Morrison, Bob Morgan | $7,500.00 |
| State Farm Federal PAC | Thaddeus Jones, Bob Morgan | $7,000.00 |
| Abbott Laboratories Employee PAC | Julie A. Morrison, Bob Morgan | $7,000.00 |
| I.U.O.E. Local 399 Political Education Fund | Camille Y. Lilly, Julie A. Morrison | $6,000.00 |
| Bristol-Meyers Squibb Company | Julie A. Morrison, Bob Morgan | $5,500.00 |
| Schneider for Congress | Julie A. Morrison, Bob Morgan | $5,250.00 |
| PhRMA | Camille Y. Lilly, Julie A. Morrison | $5,000.00 |
| Teamsters Volunteers in Politics | Camille Y. Lilly, Thaddeus Jones, Julie A. Morrison, Bob Morgan | $4,500.00 |
| Jennifer Stricklin | Julie A. Morrison, Bob Morgan | $4,500.00 |
Top donors across these members
| Donor | Occupation | Employer | Receipts | Total |
|---|---|---|---|---|
| Health Care Council of Illinois PAC | — | — | 6 | $80,500.00 |
| IPACE | — | — | 7 | $33,000.00 |
| Chicago Land Operators Joint Labor-Management PAC | — | — | 10 | $32,000.00 |
| I.P.A.C.E. | — | — | 2 | $30,000.00 |
| Illinois Laborers' Legislative Committee | — | — | 6 | $22,500.00 |
| Davita | — | — | 4 | $20,000.00 |
| Illinois State Medical Society PAC | — | — | 7 | $20,000.00 |
| Superior Ambulance Service, Inc. | — | — | 6 | $18,018.83 |
| Realtor Political Action Committee | — | — | 6 | $16,000.00 |
| ACP OPCO LLC | — | — | 2 | $15,000.00 |
| Dudley & Lake LLC | — | — | 2 | $14,000.00 |
| Illinois Insurance Political Committee | — | — | 3 | $12,500.00 |
| Mahmoud Tahhan | Real Estate | Self Employed | 2 | $12,200.00 |
| Illinois Hospital Association PAC | — | — | 4 | $12,000.00 |
| Abbvie Political Action Committee | — | — | 5 | $10,500.00 |
| ISDF | — | — | 6 | $10,291.53 |
| Patrick W. Walsh, P.C. | — | — | 2 | $10,000.00 |
| Health Care Service Corporation | — | — | 2 | $10,000.00 |
| Citizens for Marcus C Evans Jr. | — | — | 2 | $10,000.00 |
| Health Care Council of Illinois Political Action Comm. | — | — | 1 | $10,000.00 |
| DaVita Inc | — | — | 2 | $10,000.00 |
| Illinois Federation of Teachers - COPE | — | — | 4 | $10,000.00 |
| Bridge Structural and Reinforcing Ironworkers Local Union #1 Political | — | — | 2 | $10,000.00 |
| IVCA PAC | — | — | 2 | $10,000.00 |
| Accel Entertainment Gaming, LLC | — | — | 4 | $9,500.00 |
Witness slips
9 slips filed. Proponent / opponent / no position as filed with the committee.
| Name | Organization | Representing | Position | Hearing committee | Hearing date |
|---|---|---|---|---|---|
| Austin Mejdrich | Dept. of Insurance | Dept. of Insurance | Proponent | Insurance | 2025-03-20 |
| Austin Mejdrich | Department of Insurance | Department of Insurance | Proponent | Insurance | 2025-03-18 |
| Eric Madiar | Madiar Government Relations LLC | American Property Casualty Insurance Association | Opponent | Insurance | 2025-03-18 |
| Kevin Martin | Illinois Insurance Association | Illinois Insurance Association | Opponent | Insurance | 2025-03-18 |
| Margaret A Houlihan Smith | CapitolHall Partners, LLC | Opponent | Insurance | 2025-03-18 | |
| Austin Mejdrich | Dept. of Insurance | Dept of Insurance | Proponent | Insurance | 2025-04-09 |
| Stephanie Sorrentino | Self | Stephanie Sorrentino Mulholland | Proponent | Insurance | 2025-04-09 |
| Eric Madiar | Madfiar Government Relations LLC | American Property Casualty Insurance Association (APCIA) | Opponent | Insurance | 2025-04-09 |
| Kevin Martin | Illinois Insurance Association | Illinois Insurance Association | Opponent | Insurance | 2025-04-09 |
Roll-call votes
Total votes and outcome per event. Deciding vote = margin of 1; those voters on the winning side could have changed the outcome by flipping.
| Date | Chamber | Type | Description | Yea | Nay | Present | NV | Outcome | Margin | Deciding voters |
|---|---|---|---|---|---|---|---|---|---|---|
| H | Committee | Insurance | 11 | 6 | 0 | 0 | Passed | 5 | — | |
| H | Floor | Third Reading | 76 | 39 | 0 | 3 | Passed | 37 | — |
Action History
22 actions recorded. Last action: 2025-04-14 — Referred toAssignments. Each action's meaning and outcome signal are classified automatically.
2025-02-07
Introduction & Filing
Filed with the Clerk byRep. Thaddeus Jones House Rule 6(b)
Bill officially submitted to the House Clerk during the session.
2025-02-18
Introduction & Filing
First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38
Formal introduction — title read into the official record. Required procedural step; bill now exists in the system.
2025-02-18
Committee Assignment
Referred toRules Committee Senate Rule 3-8(a); House Rule 18(a)
Sent to a committee (usually Rules in the House, Assignments in the Senate). The gatekeeping step — Rules/Assignments decides which substantive committee hears the bill.
2025-03-11
Committee Assignment
Assigned toInsurance Committee Senate Rule 3-8(a); House Rule 18(b)
Sent to a substantive committee (e.g., Transportation, Revenue). This is where the bill gets a real hearing and evaluation.
2025-03-20
Co-Sponsorship
Mild +
Added Chief Co-SponsorRep. Bob Morgan Senate Rule 5-1(a); House Rule 37(a)
Chief co-sponsor added.
2025-03-20
Committee Action
Positive
Do Pass / Short DebateInsurance Committee; 011-006-000 Senate Rule 3-11(a)(1); House Rule 22(a)(1), 52(b)
Committee recommends passage and places it on the Short Debate calendar (limited floor discussion time). Strong positive signal — committee believes bill has broad support.
2025-03-21
Floor Process
Positive
Placed on Calendar 2nd Reading - Short Debate Senate Rule 4-4(7-8)/5-2; House Rule 31(8-9)/38/52
Bill placed on the Second Reading calendar. Positive — bill is queued for floor action.
2025-03-26
Floor Process
Positive
Second Reading - Short Debate Senate Rule 3-12(a)/5-4(a); House Rule 24(a)/40(b)/52(a)(1)
Bill reaches the floor amendment stage on Short Debate calendar. Major milestone — bill has passed committee and is on the floor.
2025-03-26
Floor Process
Held on Calendar Order of Second Reading - Short Debate Senate Rule 4-4(7-8)/5-2; House Rule 31(8-9)/38/52
Bill was ready for Second Reading but was paused/held by the sponsor. Usually indicates the sponsor is still negotiating amendments or gathering votes. NOT a negative signal — the sponsor controls the pace.
2025-04-08
Amendment Actions
House Floor Amendment No. 1 Filed with Clerk byRep. Thaddeus Jones
[Amendment] Amendment sub-action.
2025-04-08
Amendment Actions
House Floor Amendment No. 1 Referred toRules Committee
[Amendment] Sent to a committee (usually Rules in the House, Assignments in the Senate). The gatekeeping step — Rules/Assignments decides which substantive committee hears the bill.
2025-04-08
Co-Sponsorship
Mild +
Added Co-SponsorRep. Camille Y. Lilly Senate Rule 5-1(a); House Rule 37(a)
A legislator adds their name as co-sponsor, signaling public support for the bill.
2025-04-08
Amendment Actions
House Floor Amendment No. 1 Rules Refers toInsurance Committee
[Amendment] Amendment sub-action.
2025-04-09
Amendment Actions
House Floor Amendment No. 1 Recommends Be AdoptedInsurance Committee; 011-004-000
[Amendment] Amendment sub-action.
2025-04-11
Amendment Actions
Positive
House Floor Amendment No. 1 Adopted
[Amendment] Bill or resolution adopted by the chamber.
2025-04-11
Floor Process
Positive
Placed on Calendar Order of 3rd Reading - Short Debate Rule 4-4(8)
Bill placed on the Third Reading calendar — queued for final vote.
2025-04-11
Floor Vote
Positive
Third Reading - Short Debate - Passed076-039-000 Senate Rule 5-1(f)/7-1/7-2; House Rule 37(f)/49/50
Bill PASSED on Short Debate Third Reading. Bill cleared the chamber.
2025-04-14
Cross-Chamber
Positive
Arrive in Senate Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12)
House bill arrives in the Senate after passing the House.
2025-04-14
Procedural
Placed on Calendar Order of First Reading Senate Rule 4-4/7-4; House Rule 31/54
Bill queued for First Reading in the second chamber.
2025-04-14
Cross-Chamber
Positive
Chief Senate SponsorSen. Julie A. Morrison Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12)
Senate sponsor assigned for a House bill.
2025-04-14
Introduction & Filing
First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38
Formal introduction — title read into the official record. Required procedural step; bill now exists in the system.
2025-04-14
Committee Assignment
Referred toAssignments Senate Rule 3-8(a); House Rule 18(a)
Sent to a committee (usually Rules in the House, Assignments in the Senate). The gatekeeping step — Rules/Assignments decides which substantive committee hears the bill.
All actions (table)
| Date | Chamber | Action | Category | Signal |
|---|---|---|---|---|
| 2025-02-07 | House | Filed with the Clerk byRep. Thaddeus Jones House Rule 6(b) | Introduction & Filing | — |
| 2025-02-18 | House | First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38 | Introduction & Filing | — |
| 2025-02-18 | House | Referred toRules Committee Senate Rule 3-8(a); House Rule 18(a) | Committee Assignment | — |
| 2025-03-11 | House | Assigned toInsurance Committee Senate Rule 3-8(a); House Rule 18(b) | Committee Assignment | — |
| 2025-03-20 | House | Added Chief Co-SponsorRep. Bob Morgan Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-03-20 | House | Do Pass / Short DebateInsurance Committee; 011-006-000 Senate Rule 3-11(a)(1); House Rule 22(a)(1), 52(b) | Committee Action | Positive |
| 2025-03-21 | House | Placed on Calendar 2nd Reading - Short Debate Senate Rule 4-4(7-8)/5-2; House Rule 31(8-9)/38/52 | Floor Process | Positive |
| 2025-03-26 | House | Second Reading - Short Debate Senate Rule 3-12(a)/5-4(a); House Rule 24(a)/40(b)/52(a)(1) | Floor Process | Positive |
| 2025-03-26 | House | Held on Calendar Order of Second Reading - Short Debate Senate Rule 4-4(7-8)/5-2; House Rule 31(8-9)/38/52 | Floor Process | — |
| 2025-04-08 | House | House Floor Amendment No. 1 Filed with Clerk byRep. Thaddeus Jones | Amendment Actions | — |
| 2025-04-08 | House | House Floor Amendment No. 1 Referred toRules Committee | Amendment Actions | — |
| 2025-04-08 | House | Added Co-SponsorRep. Camille Y. Lilly Senate Rule 5-1(a); House Rule 37(a) | Co-Sponsorship | Mild + |
| 2025-04-08 | House | House Floor Amendment No. 1 Rules Refers toInsurance Committee | Amendment Actions | — |
| 2025-04-09 | House | House Floor Amendment No. 1 Recommends Be AdoptedInsurance Committee; 011-004-000 | Amendment Actions | — |
| 2025-04-11 | House | House Floor Amendment No. 1 Adopted | Amendment Actions | Positive |
| 2025-04-11 | House | Placed on Calendar Order of 3rd Reading - Short Debate Rule 4-4(8) | Floor Process | Positive |
| 2025-04-11 | House | Third Reading - Short Debate - Passed076-039-000 Senate Rule 5-1(f)/7-1/7-2; House Rule 37(f)/49/50 | Floor Vote | Positive |
| 2025-04-14 | Senate | Arrive in Senate Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12) | Cross-Chamber | Positive |
| 2025-04-14 | Senate | Placed on Calendar Order of First Reading Senate Rule 4-4/7-4; House Rule 31/54 | Procedural | — |
| 2025-04-14 | Senate | Chief Senate SponsorSen. Julie A. Morrison Senate Rule 5-1(d)/4-4(9-11); House Rule 37(d)/31(10-12) | Cross-Chamber | Positive |
| 2025-04-14 | Senate | First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38 | Introduction & Filing | — |
| 2025-04-14 | Senate | Referred toAssignments Senate Rule 3-8(a); House Rule 18(a) | Committee Assignment | — |