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Illinois Compiled Statutes

625 ILCS 5/18c-4903 (2026)

Implied Terms of Insurance Coverage

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(625 ILCS 5/18c-4903) (from Ch. 95 1/2, par. 18c-4903)
    Sec. 18c-4903. Implied Terms of Insurance Coverage. Each certificate or other proof of insurance or surety coverage shall have, as an implied term, that the insurance or surety coverage will remain in effect continuously until notice of cancellation is filed in accordance with Commission regulations, and that all motor vehicles operated by or under authority of the carrier will be covered, whether or not such vehicles have been reported to the insurance, surety, or other company. Filing proof of insurance with the Commission shall constitute acceptance of this implied term, and such acceptance may not thereafter be withdrawn except on withdrawal of all proof of insurance or surety coverage.
(Source: P.A. 85-553.)

    
Notes of Decisions
Cited in 3 cases (1 in the last 5 years), 2006–2023 · leading case: Founders Ins. Co. v. Am. Country Ins. Co. (Ill. App. Ct. 2006).
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Founders Ins. Co. v. Am. Country Ins. Co. (Ill. App. Ct. 2006). · cites it 2× “625 ILCS 5/18c-4903 (West 1998). Founders argues that because section 18c-4903 was in force and American Country "admittedly filed a certificate of insurance with the Illinois Secretary of State [citation], it is wholly irrelevant that the vehicle driven by Bingue, Best Taxi's…”
Artisan & Truckers Cas. Co. v. Dollar Tree Stores Inc (N.D. Ill. 2023). “Illinois Proof of Insurance This just leaves potential coverage under 625 ILCS 5/18c-4903, an issue USX raised in its opposition brief that could provide a ground for indemnification in spite of the Court’s holdings on counts I and II of Plaintiff’s complaint.”
Am. Serv. Ins. Co. v. Jones (Ill. App. Ct. 2010). “" Section 18c-4903 provides: "Each certificate or other proof of insurance or surety coverage shall have, as an implied term, that *** all motor vehicles operated by or under authority of the carrier will be covered, whether or not such vehicles have been reported to the…”
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