ILCS » Chapter 215 · Act 5
Illinois Compiled Statutes

215 ILCS 5/143.13a (2026)

Coverage for permissive drivers

✓ current as of May 2026
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(215 ILCS 5/143.13a)
    Sec. 143.13a. Coverage for permissive drivers. Any policy of private passenger automobile insurance must provide the same limits of bodily injury liability, property damage liability, uninsured and underinsured motorist bodily injury, and medical payments coverage to all persons insured under that policy, whether or not an insured person is a named insured or permissive user under the policy. If the policy insures more than one private passenger automobile, the limits available to the permissive user shall be the limits associated with the vehicle used by the permissive user when the loss occurs.
(Source: P.A. 95-395, eff. 1-1-08.)

    
Notes of Decisions
Cited in 10 cases, 2007–2017 · leading case: Worley v. Fender, 2017 IL App (5th) 160110 (Ill. App. Ct. 2017).
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Worley v. Fender, 2017 IL App (5th) 160110 (Ill. App. Ct. 2017). · cites it 4× “¶ 32 Finally, on cross-appeal, plaintiff argues the trial court erred in granting summary judgment in favor of defendant on count II of plaintiff’s first amended complaint because the step-down limits of the policy violate Illinois public policy and section 143.”
Schultz v. Illinois Farmers Ins., 930 N.E.2d 943 (Ill. 2010). “” 215 ILCS 5/143.13a (West 2008). 2 Though not relevant here, the UM and UIM provisions also both covered any other person “for damages that person is entitled to recover because of bodily injury” to individuals who qualified as “insureds” under the respective provisions.”
United Farm Fam. Mut. Ins. v. Frye, 887 N.E.2d 783 (Ill. App. Ct. 2008). · cites it 2× “January 1, 2008 (adding 215 ILCS 5/143.13a) ( 2007 Ill. Legis. Serv.”
Worley v. Fender, 2017 IL App (5th) 160110 (Ill. App. Ct. 2017). · cites it 4× “¶ 32 Finally, on cross-appeal, plaintiff argues the trial court erred in granting summary judgment in favor of defendant on count II of plaintiff’s first amended complaint because the step-down limits of the policy violate Illinois public policy and section 143.”
State Farm Mut. Auto. Ins. Co. v. Illinois Farmers Ins. Co., 875 N.E.2d 1096 (Ill. 2007). “13a of the Illinois Insurance Code (215 ILCS 5/143.13a), now mandates that “any policy of private passenger automobile insurance must provide the same limits of *** coverage to all persons insured under that policy, whether or not an insured person is a named insured or…”
Zurich Am. Ins. v. Key Cartage, Inc., 896 N.E.2d 400 (Ill. App. Ct. 2008). “January 1, 2008 (now 215 ILCS 5/143.13a (West Supp. 2007)). Finally, the court stated, “when the legislature intends different types of coverage in excess of the minimum statutory requirements mandated by section 7 — 203 of the Illinois Safety and Family Financial Responsibility…”
STATE FARM MUT. AUTO. INS. v. Illinois Farmers Ins., 875 N.E.2d 1096 (Ill. 2007). “13a), now mandates that "any policy of private passenger automobile insurance must provide the same limits of * * * coverage to all persons insured under that policy, whether or not an insured person is a named insured or permissive user under the policy.”
Schultz v. Illinois Farmers Ins. Co. (Ill. 2010). “” 215 ILCS 5/143.13a (West 2008). 2 Though not relevant here, the UM and UIM provisions also both covered any other person “for damages that person is entitled to recover because of bodily injury” to individuals who qualified as “insureds” under the respective provisions.”
United Farm Fam. Mut. Ins. v. Frye (Ill. App. Ct. 2008). “January 1, 2008 (adding 215 ILCS 5/143.13a) ( 2007 Ill. Legis. Serv.”
Zurich Am. Ins. Co. v. Key Cartage, Inc. (Ill. App. Ct. 2008). “January 1, 2008 (now 215 ILCS 5/143.13a (West Supp. 2007)). Finally, the court stated, “when the legislature intends different types of coverage in excess of the minimum statutory requirements mandated by section 7-203 of the Illinois Safety and Family 28 1-07-1807 Financial…”
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