Regulation · Illinois

50 Ill. Adm. Code Part 919, complete Part: Secs. 919.10 through 919.100 and Exhibit A, 11 sections: Improper Claims Practice

Publisher: Illinois Joint Committee on Administrative Rules
Edition: Illinois Administrative Code, Title 50, as published by the Joint Committee on...
Last checked: 2026-09-17
Status: Illinois Administrative Code, public domain

Edition and licensing notes

Publisher. Illinois Joint Committee on Administrative Rules (JCAR), ilga.gov

Edition. Illinois Administrative Code, Title 50, as published by the Joint Committee on Administrative Rules (JCAR) on ilga.gov. JCAR prints each Part's amendment history as a SOURCE note on the Part's section index; the history for this Part was read at retrieval and is quoted in this note.

Status. Illinois Administrative Code, public domain (Joint Committee on Administrative Rules, Illinois General Assembly).

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What this document is

50 Ill. Adm. Code Part 919 - Improper Claims Practice (complete Part: Secs. 919.10 through 919.100 and Exhibit A, 11 sections) is a regulation published by Illinois Joint Committee on Administrative Rules (JCAR), ilga.gov. It is one of the Illinois documents that insurance license exam questions are written from, including illinois life & health, illinois property & casualty, illinois personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

50 Ill. Adm. Code 919.70(b)(1) (Improper practices, life, accident and health; percentage settlement of a mixed claim)
“No company shall settle a claim involving both a covered and non-covered condition, on a percentage basis of contributing loss, unless said percentage is reasonable under the circumstances and the insured is provided with written explanation. The basis for settlement must be maintained in the file.”
50 Ill. Adm. Code 919.90(c) (Improper Practices or Procedures - Property and Casualty Companies)
“No company shall advise liability claimants to make claims under their own policies in cases where liability is reasonably clear.”
50 Ill. Adm. Code 919.60(a) (Improper Practices or Procedures for all Insurance Companies)
“No company shall indicate to an insured on a payment draft, check or in any accompanying letter that said payment is "final" or "a release" of any claim unless the policy limit has been paid or there is a bonafide dispute either over coverage or the amount payable under the policy.”
50 Ill. Adm. Code 919.60(d) (Improper Practices or Procedures for all Insurance Companies)
“No company shall request or require any insured to submit to a polygraph examination. The use of examinations under oath, sworn statements or similar procedures shall not be so restricted, if authorized under the applicable insurance contracts.”
50 Ill. Adm. Code 919.60(c) (Improper Practices or Procedures for all Insurance Companies)
“No company shall make any statement requiring an insured to give written notice of loss within a specified time so that the company is relieved of its obligations under a policy if such time limit is not complied with, unless such a statement is made after the insured's unreasonable failure to give written notice.”
50 Ill. Adm. Code 919.60(b) (Improper Practices or Procedures for all Insurance Companies)
“No company shall make any statement, written or oral, requiring an insured to complete a proof of loss in less time than is provided in the policy.”
50 Ill. Adm. Code 919.50(a) (Required Practices for all Insurance Companies)
“The company shall affirm or deny liability on claims within a reasonable time and shall offer payment within 30 days after affirmation of liability, if the amount of the claim is determined and not in dispute. For those portions of the claim which are not in dispute and for which the payee is...”
50 Ill. Adm. Code 919.80(a) (Required Claim Practices - Private Passenger Automobile - Property and Casualty Companies)
“All companies shall report vexatious or unreasonable delay findings by a court of law to the Director within 30 days after such findings and enclose with that report a copy of said findings and penalties, if any, pursuant to Section 155 of the Code [215 ILCS 5/155].”
50 Ill. Adm. Code 919.80(c)(2)(F) (Required Claim Practices, Private Passenger Automobile, Total Loss Vehicle Claims)
“F) Right of Recourse - If within 30 days after the receipt of the claim draft, the insured cannot purchase a comparable vehicle in excess of such market value, the company will reopen its claim file and the following procedure(s) shall apply: i) The company may locate a comparable vehicle by the...”
50 Ill. Adm. Code 919.80(d)(8)(A) (Actual Cash Value Losses)
“When the insurance policy provides for the adjustment and settlement of losses on an actual cash value basis on residential fire and extended coverage as defined in Section 143.13 of the Code [215 ILCS 5/143.13], the company shall determine actual cash value, except for instances in which the...”
50 Ill. Adm. Code 919.50(c) (Required Practices for all Insurance Companies)
“The company's standards for claims processing shall be such that notice of claim and proofs of loss submitted against one policy issued by that company shall fulfill the insured's obligation under any and all similar policies issued by that company and specifically identified by the insured to said...”
50 Ill. Adm. Code 919.80(d)(3) (Practices Concerning Travel, Loss of Use, Storage/Towing and Betterment, Replacement Crash Parts and Automobile Repairs; Storage and Towing)
“Storage and Towing. The company shall provide reasonable notice to an insured prior to termination of payment for automobile storage charges and document such notice in the claim file. Reasonable notice shall constitute sufficient notice to the insured to allow them to remove the vehicle from...”

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Questions about this source

50 Ill. Adm. Code Part 919 - Improper Claims Practice (complete Part: Secs. 919.10 through 919.100 and Exhibit A, 11 sections) is a regulation published by Illinois Joint Committee on Administrative Rules (JCAR), ilga.gov. Edition: Illinois Administrative Code, Title 50, as published by the Joint Committee on Administrative Rules (JCAR) on ilga.gov. JCAR prints each Part's amendment history as a SOURCE note on the Part's section index; the history for this Part was read at retrieval and is quoted in this note..

No. This page summarizes the document and links to the official version. Always rely on the text published by Illinois Joint Committee on Administrative Rules (JCAR), ilga.gov for the current law.

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