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Illinois Compiled Statutes

215 ILCS 5/143.1 (2026)

Periods of limitation tolled

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(215 ILCS 5/143.1) (from Ch. 73, par. 755.1)
    Sec. 143.1. Periods of limitation tolled. Whenever any policy or contract for insurance, except life, accident and health, fidelity and surety, and ocean marine policies, contains a provision limiting the period within which the insured may bring suit, the running of such period is tolled from the date proof of loss is filed, in whatever form is required by the policy, until the date the claim is denied in whole or in part.
(Source: P.A. 82-352.)

    
Notes of Decisions
Cited in 40 cases (6 in the last 5 years), 1994–2025 · leading case: Vala v. Pac. Ins. Co., Ltd., 695 N.E.2d 581 (Ill. App. Ct. 1998).
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Vala v. Pac. Ins. Co., Ltd., 695 N.E.2d 581 (Ill. App. Ct. 1998). · cites it 12× “" The Illinois Insurance Code (Code) provides such periods of limitations may be tolled only under certain circumstances: "Whenever any policy or contract for insurance * * * contains a provision limiting the period within which the insured may bring suit, the running of such…”
Am. Access Cas. Co. v. Tutson, 948 N.E.2d 309 (Ill. App. Ct. 2011). · cites it 5× “1 of the Illinois Insurance Code (Code) (215 ILCS 5/143.1 (West 2006)) tolls a contractual limitation provision when the insured, Felicia Tutson, supplied the insurer, American Access Casualty Company, with information sufficient to constitute a proof of loss and American Access…”
Cramer v. Ins. Exch. Agency, 675 N.E.2d 897 (Ill. 1996). · cites it 2× “215 ILCS 5/143.1 ( West 1994). Compliance with the suit limitation provision of the policy is a condition precedent to recovery under a policy.”
State Farm Mut. Auto. Ins. Co. v. Burke, 2016 IL App (2d) 150462 (Ill. App. Ct. 2016). · cites it 2× “1 of the Insurance Code (215 ILCS 5/143.1 (West 2010)) and that Granite State had waived its policy defenses by extending coverage to the Burkes under its policy.”
Mitchell v. State Farm Fire & Cas. Co., 796 N.E.2d 617 (Ill. App. Ct. 2003). · cites it 4× “No action shall be brought unless there has been compliance with the policy provisions.”
Country Preferred Ins. Co. v. Whitehead, 2016 IL App (3d) 150080 (Ill. App. Ct. 2016). · cites it 3× “1 of the Illinois Insurance Code (Insurance Code) (215 ILCS 5/143.1 (West 2008)), “the two-year time limitation contained in the policy for demanding arbitration had been tolled by the ongoing claims process until the claim was denied [on] October 19, 2009.”
Mathis v. Lumbermen's Mut. Cas. Ins., 822 N.E.2d 543 (Ill. App. Ct. 2004). · cites it 3× “1 of the Illinois Insurance Code (215 ILCS 5/143.1 (West 2002)), which provides, in pertinent part: “Whenever any policy or contract for insurance *** contains a provision limiting the period within which the insured may bring suit, the running of such period is tolled from the…”
Burress-Taylor v. Am. Sec. Ins. Co., 2012 IL App (1st) 110554 (Ill. App. Ct. 2012). · cites it 3× “1 of the Insurance Code (215 ILCS 5/143.1 (West 2008)). ¶ 15 Defendant does not dispute that the one-year limitation period was tolled when plaintiff filed her proof of loss claim but responds that the March 28, 2007, letter was a denial of plaintiff’s claim which triggered the…”
IPF Recovery Co. v. Illinois Ins. Guar. Fund, 826 N.E.2d 943 (Ill. App. Ct. 2005). · cites it 2× “1 of the Illinois Insurance Code (215 ILCS 5/143.1 (West 2002)), upon which plaintiff relied as a basis for the trial court’s denial of defendant’s motion to dismiss, is inapplicable to the instant case.”
Hines v. Allstate Ins., 698 N.E.2d 1120 (Ill. App. Ct. 1998). · cites it 3× “” 215 ILCS 5/143.1 (West 1996); see also Vola v.”
Atwood v. St. Paul Fire & Marine Ins. Co., 845 N.E.2d 68 (Ill. App. Ct. 2006). “1 (West 2002)) requires that, when an insurance policy limits the time within which suit may be filed, the running of that time is tolled between the time the insured files proof of loss with its insurer and the time the insurer denies the claim.”
Dial Corp. v. Marine Off. of Am., 743 N.E.2d 621 (Ill. App. Ct. 2001). “1 of the Illinois Insurance Code (215 ILCS 5/143.1 (West 1996)). That provision, tolling the running of a limitations period from the date proof of loss is filed until the date the claim is denied, applies only to limitation periods contained in the policy.”
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