Sec. 155.22b. Rating, claims handling, and underwriting decisions.
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/il/chapter-215/act-5/155-22bA research copy — for the controlling text, always check the official state or federal source. Not legal advice.
Sec. 155.22b. Rating, claims handling, and underwriting decisions.
(a)No company issuing a policy of property and casualty insurance may use the fact that an applicant or insured incurred bodily injury as a result of a battery or other violent act committed against him or her by a spouse or person in the same household as a sole reason for a rating, underwriting, or claims handling decision.
(b)If a policy excludes property coverage for intentional acts, the insurer may not deny payment to an innocent co-insured who did not cooperate in or contribute to the creation of the loss if the loss arose out of a pattern of criminal domestic violence and the perpetrator of the loss is criminally prosecuted for the act causing the loss. Payment to the innocent co-insured may be limited to his or her ownership interest in the property as reduced by any payments to a mortgagor or other secured interest.