215 ILCS 5/143.19
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 755.19)(Text of Section before amendment by P.A. 101-652)Sec. 143.19. Cancellation of automobile insurance policy; grounds. After a policy of automobile insurance as defined in Section  143.13(a) has been effective for 60 days, or if such policy is a renewal  policy, the insurer shall not exercise its option to cancel such policy  except for one or more of the following reasons:a. Nonpayment of premium;b. The policy was obtained through a material     misrepresentation;c. Any insured violated any of the terms and     conditions of the policy;d. The named insured failed to disclose fully his     motor vehicle accidents and moving traffic violations for the preceding 36 months if called for in the application;e. Any insured made a false or fraudulent claim or     knowingly aided or abetted another in the presentation of such a claim;f. The named insured or any other operator who either     resides in the same household or customarily operates an automobile insured under such policy:1. has, within the 12 months prior to the notice         of cancellation, had his driver's license under suspension or revocation;2. is or becomes subject to epilepsy or heart         attacks, and such individual does not produce a certificate from a physician testifying to his unqualified ability to operate a motor vehicle safely;3. has an accident record, conviction record         (criminal or traffic), physical, or mental condition which is such that his operation of an automobile might endanger the public safety;4. has, within the 36 months prior to the notice         of cancellation, been addicted to the use of narcotics or other drugs; or5. has been convicted, or forfeited bail, during         the 36 months immediately preceding the notice of cancellation, for any felony, criminal negligence resulting in death, homicide or assault arising out of the operation of a motor vehicle, operating a motor vehicle while in an intoxicated condition or while under the influence of drugs, being intoxicated while in, or about, an automobile or while having custody of an automobile, leaving the scene of an accident without stopping to report, theft or unlawful taking of a motor vehicle, making false statements in an application for an operator's or chauffeur's license or has been convicted or forfeited bail for 3 or more violations within the 12 months immediately preceding the notice of cancellation, of any law, ordinance, or regulation limiting the speed of motor vehicles or any of the provisions of the motor vehicle laws of any state, violation of which constitutes a misdemeanor, whether or not the violations were repetitions of the same offense or different offenses;g. The insured automobile is:1. so mechanically defective that its operation         might endanger public safety;2. used in carrying passengers for hire or         compensation (the use of an automobile for a car pool shall not be considered use of an automobile for hire or compensation);3. used in the business of transportation of         flammables or explosives;4. an authorized emergency vehicle;5. changed in shape or condition during the         policy period so as to increase the risk substantially; or6. subject to an inspection law and has not been         inspected or, if inspected, has failed to qualify.Nothing in this Section shall apply to nonrenewal.  (Source: P.A. 100-201, eff. 8-18-17.)(Text of Section after amendment by P.A. 101-652)Sec. 143.19. Cancellation of automobile insurance policy; grounds. After a policy of automobile insurance as defined in Section  143.13(a) has been effective for 60 days, or if such policy is a renewal  policy, the insurer shall not exercise its option to cancel such policy  except for one or more of the following reasons:a. Nonpayment of premium;b. The policy was obtained through a material     misrepresentation;c. Any insured violated any of the terms and     conditions of the policy;d. The named insured failed to disclose fully his     motor vehicle accidents and moving traffic violations for the preceding 36 months if called for in the application;e. Any insured made a false or fraudulent claim or     knowingly aided or abetted another in the presentation of such a claim;f. The named insured or any other operator who either     resides in the same household or customarily operates an automobile insured under such policy:1. has, within the 12 months prior to the notice         of cancellation, had his driver's license under suspension or revocation;2. is or becomes subject to epilepsy or heart         attacks, and such individual does not produce a certificate from a physician testifying to his unqualified ability to operate a motor vehicle safely;3. has an accident record, conviction record         (criminal or traffic), physical, or mental condition which is such that his operation of an automobile might endanger the public safety;4. has, within the 36 months prior to the notice         of cancellation, been addicted to the use of narcotics or other drugs; or5. has been convicted, or violated conditions of         pretrial release, during the 36 months immediately preceding the notice of cancellation, for any felony, criminal negligence resulting in death, homicide or assault arising out of the operation of a motor vehicle, operating a motor vehicle while in an intoxicated condition or while under the influence of drugs, being intoxicated while in, or about, an automobile or while having custody of an automobile, leaving the scene of an accident without stopping to report, theft or unlawful taking of a motor vehicle, making false statements in an application for an operator's or chauffeur's license or has been convicted or pretrial release has been revoked for 3 or more violations within the 12 months immediately preceding the notice of cancellation, of any law, ordinance, or regulation limiting the speed of motor vehicles or any of the provisions of the motor vehicle laws of any state, violation of which constitutes a misdemeanor, whether or not the violations were repetitions of the same offense or different offenses;g. The insured automobile is:1. so mechanically defective that its operation         might endanger public safety;2. used in carrying passengers for hire or         compensation (the use of an automobile for a car pool shall not be considered use of an automobile for hire or compensation);3. used in the business of transportation of         flammables or explosives;4. an authorized emergency vehicle;5. changed in shape or condition during the         policy period so as to increase the risk substantially; or6. subject to an inspection law and has not been         inspected or, if inspected, has failed to qualify.Nothing in this Section shall apply to nonrenewal.  (Source: P.A. 100-201, eff. 8-18-17; 101-652, eff. 1-1-23.)