Illinois Compiled Statutes

625 ILCS 5/9-105 (2026)

Insurance policy as proof - requirements

✓ current as of May 2026
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(625 ILCS 5/9-105) (from Ch. 95 1/2, par. 9-105)
    Sec. 9-105. Insurance policy as proof - requirements. A motor vehicle liability policy in a solvent and responsible company, authorized to do business in the State of Illinois, providing that the insurance carrier will pay any judgment within 30 days after it becomes final, recovered against the customer or against any person operating the motor vehicle with the customer's express or implied consent, for damage to property other than to the rented motor vehicles, or for an injury to or for the death of any person, including an occupant of the rented motor vehicle, resulting from the operation of the motor vehicle shall serve as proof of financial responsibility; provided however, every such policy provides insurance insuring the operator of the rented motor vehicle against liability upon such insured to a minimum amount of $50,000 because of bodily injury to, or death of any one person or damage to property and $100,000 because of bodily injury to or death of 2 or more persons in any one motor vehicle crash.
(Source: P.A. 102-982, eff. 7-1-23.)

    
Notes of Decisions
Cited in 18 cases (1 in the last 5 years), 1997–2024 · 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). · cites it 2× “Citing section 9-105 of the Vehicle Code (625 ILCS 5/9-105 (West 2002)), Fellhauer argued that nothing in the statute suggested that a rental-car company's financial responsibility was limited to the amount of the policy limits.”
Nelson v. Artley, 2015 IL 118058 (Ill. 2015). · cites it 3× “They may file with the Secretary of State (1) a motor vehicle liability bond as provided in section 9-103 of the Vehicle Code (625 ILCS 5/9-103 (West 2010)); (2) an insurance policy or other proof of insurance in a form prescribed by the Secretary as provided in section 9-105 of…”
U.S. Fire Ins. Co. v. Barker Car Rental, 132 F.3d 1153 (7th Cir. 1997). · cites it 2× “17 625 ILCS 5/9-105 (formerly cited as Ill.Ann.”
Nelson v. Artley, 2015 IL 118058 (Ill. 2015). · cites it 2× “” 625 ILCS 5/9-105 (West 2010). Similarly, if the rental car company elects to file a motor vehicle bond as proof of financial responsibility, the bond must cover judgments against the customer and owner of the vehicle and specified others for damage to property other than the…”
Safeway Ins. Co. v. Hadary, 2016 IL App (1st) 132554-B (Ill. App. Ct. 2016). · cites it 3× “-2- 1-13-2554 in compliance with the statute requiring proof of financial responsibility (625 ILCS 5/9-105 (West 2008)) and was therefore authorized to do business in the state of Illinois.”
Nelson v. Artley, 2014 IL App (1st) 121681 (Ill. App. Ct. 2014). · cites it 2× “625 ILCS 5/9-105 (West 2006). ¶ 13 While chapter 9 does not set forth any requirements for proof of financial responsibility by certificate of self-insurance, such requirements are provided in section 7-502 of the Code.”
Nelson v. Artley, 2014 IL App (1st) 121681 (Ill. App. Ct. 2014). · cites it 2× “625 ILCS 5/9-105 (West 2006). ¶ 13 While chapter 9 does not set forth any requirements for proof of financial responsibility by certificate of self-insurance, such requirements are provided in section 7-502 of the Code.”
Safeway Ins. Co. v. Hadary, 2014 IL App (1st) 132554 (Ill. App. Ct. 2015). · cites it 3× “1 At the time of the accident, Hertz was in compliance with the statute requiring proof of financial responsibility (625 ILCS 5/9-105 (West 2008)) and was therefore authorized to do business in the state of Illinois.”
Nelson v. Artley, 2015 IL 118058 (Ill. 2015). · cites it 3× “They may file with the Secretary of State (1) a motor vehicle liability bond as provided in section 9-103 of the Vehicle Code (625 ILCS 5/9-103 (West 2010)); (2) an insurance policy or other proof of insurance in a form prescribed by the Secretary as provided in section 9-105 of…”
Safeway Ins. Co. v. Hadary, 2014 IL App (1st) 132554 (Ill. App. Ct. 2014). · cites it 3× “1 At the time of the accident, Hertz was in compliance with the statute requiring proof of financial responsibility (625 ILCS 5/9-105 (West 2008)) and was therefore authorized to do business in the state of Illinois.”
Budget Rent-A-Car Sys., Inc. v. Cleveland, 2020 IL App (5th) 170458 (Ill. App. Ct. 2020). “” Cleveland’s attorney sought further clarification, stating that Budget “wears two hats,” first as a self-insured company under section 9-105 of the Illinois Vehicle Code (625 ILCS 5/9-105 (West 2014)), which required Budget “to provide liability insurance that covers their…”
United States Fire Ins. v. Barker Car Rental, 132 F.3d 1123 (7th Cir. 1997). · cites it 2× “625 ILCS 5/9-105 (formerly cited as Ill.Ann.”
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