ILCS » Chapter 215 · Act 5
Illinois Compiled Statutes

215 ILCS 5/143.01 (2026)

(a) A provision in a policy of vehicle insurance described in Section 4 excluding coverage for bodily injury to members of the family of the insured shall not be applicable when a third party acquires a right of contribution against a member of the injured person's family

✓ current as of May 2026
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(215 ILCS 5/143.01) (from Ch. 73, par. 755.01)
    Sec. 143.01. (a) A provision in a policy of vehicle insurance described in Section 4 excluding coverage for bodily injury to members of the family of the insured shall not be applicable when a third party acquires a right of contribution against a member of the injured person's family.
    (b) A provision in a policy of vehicle insurance excluding coverage for bodily injury to members of the family of the insured shall not be applicable when any person not in the household of the insured was driving the vehicle of the insured involved in the crash which is the subject of the claim or lawsuit.
    This subsection (b) applies to any action filed on or after its effective date.
(Source: P.A. 102-982, eff. 7-1-23.)

    
Notes of Decisions
Cited in 15 cases, 1995–2016 · leading case: State Farm Mut. Auto. Ins. v. Villicana, 692 N.E.2d 1196 (Ill. 1998).
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State Farm Mut. Auto. Ins. v. Villicana, 692 N.E.2d 1196 (Ill. 1998). · cites it 4× “" 215 ILCS 5/143.01 (West 1994). Jennifer contends that because the accident vehicle was being driven by someone who was not a member of the household, the family car exclusion is inapplicable under the express terms of section 143.”
Am. Fam. Mut. Ins. v. Niebuhr, 860 N.E.2d 436 (Ill. App. Ct. 2006). · cites it 6× “01(a) of the Illinois Insurance Code (215 ILCS 5/143.01(a) (West 2004)). For the following reasons, we affirm.”
Country Mut. Ins. v. Peoples Bank, 675 N.E.2d 1031 (Ill. App. Ct. 1997). · cites it 2× “Where there is independence between the plaintiff and defendant, where there is some adversity of interest, it is not necessary to exclude household members from recovery.”
State Farm Fire & Cas. Co. v. Trousdale, 673 N.E.2d 1132 (Ill. App. Ct. 1996). · cites it 3× “” 215 ILCS 5/143.01(a) (West 1994). Under the plain meaning of the statute, section 143.”
Cincinnati Ins. v. Est. of Chee, 826 F.3d 433 (7th Cir. 2016). · cites it 2× “” This exception is required by 215 ILCS 5/143.01(a). Toni’s estate has sued a hospital and some physicians, who are seeking contribution from Sam.”
West Am. Ins. v. Bedwell, 715 N.E.2d 759 (Ill. App. Ct. 1999). · cites it 2× “On review, this court answers the following question: Did the circuit court err when it concluded that, under the Illinois Insurance Code (215 ILCS 5/143.01(a) (West 1996)), West American owes a duty to defend its policyholders against claims for contribution deriving from a…”
Am. Fam. Ins. v. Woiwode, 658 N.E.2d 51 (Ill. App. Ct. 1995). · cites it 3× “01(b) of the Code (215 ILCS 5/143.01(b) (West 1992)). Section 143.”
Country Cas. Ins. v. Fisher, 676 N.E.2d 1379 (Ill. App. Ct. 1997). · cites it 2× “01(a) of the Illinois Insurance Code (Code) (215 ILCS 5/143.01(a) (West 1994)); and (2) the household exclusion contained in the policy violates public policy.”
Schanowitz v. State Farm Mut. Auto. Ins., 702 N.E.2d 629 (Ill. App. Ct. 1998). “012 of the Illinois Insurance Code, which provides that a household exclusion is inapplicable when a third party acquires a right of contribution against a family member of the injured person or when the insured's vehicle was driven by a person who was not in the insured's…”
LaJEUNESSE v. Ford Motor Co., 642 F. Supp. 2d 835 (N.D. Ill. 2009). “” 215 ILCS 5/143.01(a). Ford, as a third-party, has a right of contribution against the insured, Mr.”
Allstate Ins. v. Brettman, 657 N.E.2d 70 (Ill. App. Ct. 1995). “) (215 ILCS 5/143.01(a) (West 1992).) Section 4 of the Insurance Code, to which section 143.”
Schanowitz v. State Farm Mut. Auto. Ins., 299 Ill. App. 3d 843 (Ill. App. Ct. 1998). “215 ILCS 5/143.01 (West 1996). Under the well-known maxim of construction, inclusio unius est exclusio alterius, or the inclusion of one is the exclusion of the other (Rochelle Disposal Service, Inc.”
Show all 15 citing cases →
— 215 ILCS 5/143.01(a) — 11 cases
Am. Fam. Mut. Ins. v. Niebuhr, 860 N.E.2d 436 (Ill. App. Ct. 2006). “01(a) of the Illinois Insurance Code (215 ILCS 5/143.01(a) (West 2004)). For the following reasons, we affirm.”
Country Mut. Ins. v. Peoples Bank, 675 N.E.2d 1031 (Ill. App. Ct. 1997). “Where there is independence between the plaintiff and defendant, where there is some adversity of interest, it is not necessary to exclude household members from recovery.”
Cincinnati Ins. v. Est. of Chee, 826 F.3d 433 (7th Cir. 2016). “” This exception is required by 215 ILCS 5/143.01(a). Toni’s estate has sued a hospital and some physicians, who are seeking contribution from Sam.”
West Am. Ins. v. Bedwell, 715 N.E.2d 759 (Ill. App. Ct. 1999). “On review, this court answers the following question: Did the circuit court err when it concluded that, under the Illinois Insurance Code (215 ILCS 5/143.01(a) (West 1996)), West American owes a duty to defend its policyholders against claims for contribution deriving from a…”
Country Cas. Ins. v. Fisher, 676 N.E.2d 1379 (Ill. App. Ct. 1997). “01(a) of the Illinois Insurance Code (Code) (215 ILCS 5/143.01(a) (West 1994)); and (2) the household exclusion contained in the policy violates public policy.”
— 215 ILCS 5/143.01(b) — 4 cases
State Farm Mut. Auto. Ins. v. Villicana, 692 N.E.2d 1196 (Ill. 1998). “" 215 ILCS 5/143.01 (West 1994). Jennifer contends that because the accident vehicle was being driven by someone who was not a member of the household, the family car exclusion is inapplicable under the express terms of section 143.”
Am. Fam. Ins. v. Woiwode, 658 N.E.2d 51 (Ill. App. Ct. 1995). “01(b) of the Code (215 ILCS 5/143.01(b) (West 1992)). Section 143.”
State Farm Fire & Cas. Co. v. Trousdale, 673 N.E.2d 1132 (Ill. App. Ct. 1996). “” 215 ILCS 5/143.01(a) (West 1994). Under the plain meaning of the statute, section 143.”
State Farm Fire & Cas. Co. v. Trousdale (Ill. App. Ct. 1996).
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