Illinois Compiled Statutes
625 ILCS 5/9-101 (2026)
Owner of for-rent motor vehicle to give proof of financial responsibility
✓ current as of May 2026
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(625 ILCS 5/9-101)
(from Ch. 95 1/2, par. 9-101)
Sec. 9-101.
Owner of for-rent motor vehicle to give proof of financial
responsibility. For purposes of this Chapter, "for rent" means any transfer of
the possession of or right to possession of a motor vehicle to a user for a
valuable consideration for a period of less than one year, and "to lease" means
any transfer of the possession of or right to possession of a motor vehicle to
a user for a period of one year or more. It is unlawful for the owner of any
motor vehicle to engage in the business, or to hold himself out to the public
generally as being engaged in the business of renting out such motor vehicle to
be operated by the customer, unless the owner has given, and there is in full
force and effect and on file with the Secretary of State proof of financial
responsibility as hereinafter provided. The delivery of a vehicle owned by an
out of State person or business to a renter in this State shall constitute
engaging in the rental business in this State for purposes of this Section.
All owners of motor vehicles which are leased for a period of one year
or more are not required to provide proof of insurance as required under
this chapter, but instead must comply with Section 7-601 of this Code and
obtain vehicle insurance in amounts no less than the minimum amount set for
bodily injury or death and for destruction of property pursuant to Section
7-203 of this Code.
(Source: P.A. 86-880; 87-1220.)
Notes of Decisions
Cited in 15
cases (1 in the last 5 years), 2000–2023 · leading case: Fellhauer v. Alhorn, 838 N.E.2d 133 (Ill. App. Ct. 2005).
Fellhauer v. Alhorn, 838 N.E.2d 133 (Ill. App. Ct. 2005). “Fellhauer relied on chapter 9 of the Illinois Vehicle Code (Vehicle Code) (625 ILCS 5/9-101 through 9-110 (West 2002)) to support his claim that Enterprise, as lessor of the vehicle, was liable for his injuries caused by Alhorn, the lessee.”
TIG Ins. v. Smith, 243 F. Supp. 2d 782 (N.D. Ill. 2003). “) The financial responsibility laws at issue are contained in Chapter 9 of the Illinois Vehicle Code, 625 ILCS 5/9-101 et seq. In lieu of providing a bond or insurance policy as proof of financial responsibility, NAC provided a certificate of self insurance as permitted by…”
Enter. Leasing Co. of St. Louis v. Hardin, 2011 IL App (5th) 100201 (Ill. App. Ct. 2011). “The plaintiff argued that it was required to settle Cagle’s and Hess’s claims under the mandatory insurance law (625 ILCS 5/9-101 et seq. (West 2006)) and that the Workers’ Compensation Act was not relevant because there was no employment relationship between the plaintiff and…”
Nelson v. Artley, 2015 IL 118058 (Ill. 2015). “1 (West 2010)); and owners of for-rent vehicles such as Enterprise (see 625 ILCS 5/9-101 (West 2010)). All are required to provide “proof of financial responsibility” to the Secretary of State of Illinois.”
Nelson v. Artley, 2014 IL App (1st) 121681 (Ill. App. Ct. 2014). “¶9 Section 9-101 of the Code provides that an entity may only engage in the business of renting out its vehicles if it first provides the Illinois Secretary of State with proof of its financial responsibility.”
Nelson v. Artley, 2014 IL App (1st) 121681 (Ill. App. Ct. 2014). “Enterprise responds that this court should adopt the holding in Fellhauer because the Code provides that the minimum financial responsibility of a self-insured rental car company for its vehicles is $100,000 per occurrence. ¶9 Section 9-101 of the Code provides that an entity…”
Nelson v. Artley, 2015 IL 118058 (Ill. 2015). “1 (West 2010)); and -4- owners of for-rent vehicles such as Enterprise (see 625 ILCS 5/9-101 (West 2010)). All are required to provide “proof of financial responsibility” to the Secretary of State of Illinois.”
Enter. Leasing Co. v. Hardin, 956 N.E.2d 1059 (Ill. App. Ct. 2011). “The plaintiff argued that it was required to settle Cagle's and Hess's claims under the mandatory insurance law (625 ILCS 5/9-101 et seq. (West 2006)) and that the Workers' Compensation Act was not relevant because there was no employment relationship between the plaintiff and…”
State Farm Mut. Auto. Ins. Co. v. Hertz Claim Mgmt. Corp. (Ill. App. Ct. 2003). “The certificate of financial responsibility that Ford had filed with the Illinois Secretary of State pursuant to section 9-101 of the Illinois Vehicle Code (625 ILCS 5/9-101 (West 2000)) stated that the coverage provided by the National Union policy was secondary.”
Fogel v. Enter. Leasing Co. (Ill. App. Ct. 2004). “Thakkar filed a cross-motion for summary judgment adopting Fogel's argument and asserting that regardless of the SLP, Enterprise was required to make payment under the minimum financial responsibility statute contained in the Illinois Vehicle Code (625 ILCS 5/9-101 et seq .…”
Farm Bureau Mut. Ins. Co. v. Alamo Rent A Car, Inc. (Ill. App. Ct. 2000). “The record indicates that Alamo filed a certificate of self-insurance in accordance with sections 9-101 and 9-102 of the Illinois Vehicle Code (the Vehicle Code) (625 ILCS 5/9-101, 9-102 (West 1996)). Although a complete copy of the rental agreement is not a part of the record,…”
Echelon Prop. & Cas. Ins. Co. v. Jones, 2023 IL App (1st) 210161-U (Ill. App. Ct. 2023). “See 625 ILCS 5/9-101 (West 2016). Under the statute, Enterprise must provide “proof of professional responsibility” to the Secretary of State, which may be satisfied by filing a bond, procuring an insurance policy, or filing a certificate of self-insurance.”
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