Illinois Compiled Statutes
625 ILCS 5/ - Illinois Vehicle Code.
Chapter 8 - Motor Vehicles Used For Transportation Of Passengers

(625 ILCS 5/Ch. 8 heading)

(625 ILCS 5/8-101) (from Ch. 95 1/2, par. 8-101)
Sec. 8-101. Proof of financial responsibility; persons who operate motor vehicles in
transportation of passengers for hire.
(a) It is unlawful for any person, firm, or corporation to operate any motor
vehicle along or upon any public street or highway in any incorporated
city, town, or village in this State for the carriage of passengers for
hire, accepting and discharging all such persons as may offer themselves
for transportation unless such person, firm, or corporation has given, and
there is in full force and effect and on file with the Secretary of State
of Illinois, proof of financial responsibility provided in this Act.
(b) In
addition this Section shall also apply to persons, firms, or corporations
who are in the business of providing transportation services for minors to
or from educational or recreational facilities, except that this Section
shall not apply to public utilities subject to regulation under the Public Utilities Act or to
school buses which are operated by public or parochial schools and are
engaged solely in the transportation of the pupils who attend such schools.
(c) This Section also applies to a contract carrier transporting
employees in the course of their employment on a highway of this State in a
vehicle
designed to carry 15 or fewer passengers. As part of proof of financial responsibility, a contract carrier transporting employees, including, but not limited to, railroad employees, in the course of their employment is required to verify hit and run and uninsured motor vehicle coverage, as provided in Section 143a of the Illinois Insurance Code, and underinsured motor vehicle coverage, as provided in Section 143a-2 of the Illinois Insurance Code, in a total amount of not less than $250,000 per passenger, except that beginning on January 1, 2017 the total amount shall be not less than $500,000 per passenger. Each rail carrier that contracts with a contract carrier for the transportation of its employees in the course of their employment shall verify that the contract carrier has the minimum insurance coverage required under this subsection (c).
(d) This Section shall not apply to
any person participating in a ridesharing
arrangement or operating a commuter van, but only during the performance
of activities authorized by the Ridesharing Arrangements Act.
(e) If the person operating such motor vehicle is not the owner, then proof
of financial responsibility filed hereunder must provide that the owner is
primarily liable.

(Source: P.A. 100-458, eff. 1-1-18; 101-81, eff. 7-12-19.)

(625 ILCS 5/8-101.1) (from Ch. 95 1/2, par. 8-101.1)
Sec. 8-101.1.

Proof of financial responsibility - Persons who operate
medical transport vehicles.
It is unlawful for any person, firm or corporation, other than a unit of
local government, to operate any medical transport vehicle along or
upon any public street or highway in any incorporated city, town or village
in this State unless such person, firm or corporation has given, and there
is in full force and effect and on file with the Secretary of State, proof
of financial responsibility provided in this Code.
If the person operating such motor vehicle is not the owner, then proof
of financial responsibility filed hereunder must provide that the owner
is primarily liable.

(Source: P.A. 82-949.)

(625 ILCS 5/8-102) (from Ch. 95 1/2, par. 8-102)
Sec. 8-102. Alternate methods of giving proof.
(a) Except as provided in subsection (b), proof of financial
responsibility, when required under Section 8-101 or 8-101.1, may be given
by filing with the Secretary of State one of the following:
(b) Beginning January 1, 2020, in lieu of filing the documents required by subsection (a), each owner of a vehicle required to obtain minimum liability insurance under Section 8-101 or 8-101.1 shall attest that the vehicle is insured in at least the minimum required amount.
(c) The Secretary of State may adopt rules to implement this Section.
(Source: P.A. 100-986, eff. 1-1-21.)

(625 ILCS 5/8-103) (from Ch. 95 1/2, par. 8-103)
Sec. 8-103.
Bond as proof of financial responsibility.
1. A bond of the owner of motor vehicles, subject to the provisions
of Section 8-101 or 8-101.1, with a solvent and responsible surety company authorized
to do business under the laws of this State as surety thereon; or
2. A bond of such owner, with one or more personal sureties, owning real
estate in the State of Illinois, of the value in the aggregate of $250,000
over and above all encumbrances, when approved by the Secretary of State
shall be proof of financial responsibility as required by Section 8-101 or 8-101.1.
3. The bond shall not be approved unless accompanied by affidavits of
the personal sureties, attached, stating the location, legal description,
market value, nature and amount of encumbrances (if any), and the value
above all encumbrances of such real estate scheduled to qualify on such
bond, and not then unless all requirements for such bond as provided for by
this Code have been met.

(Source: P.A. 82-949.)

(625 ILCS 5/8-104) (from Ch. 95 1/2, par. 8-104)
Sec. 8-104.
Requirements of bond.
1. A surety bond or real estate bond filed as proof as provided in
Section 8-103 shall be in the sum of $250,000 for each motor vehicle
operated by the owner providing the motor vehicle is subject to Section
8-101 or 8-101.1.
2. The surety of real estate bond shall provide for the payment of each
judgment by the owner of the motor vehicle (giving its manufacturer's name
and number and state license number) within 30 days after it becomes final,
provided each judgment shall have been rendered against such owner or any
person operating the motor vehicle with the owner's express or implied
consent, for any injury to or death of any person or for damage to property
other than such motor vehicle, resulting from the negligence of such owner,
his agent, or any person operating the motor vehicle with his express or
implied consent, provided that the maximum payment required of the surety
or sureties, on all judgments recovered against an owner hereunder, shall
not exceed the sum of $250,000 for each motor vehicle operated, under
Section 8-101 or 8-101.1.

(Source: P.A. 82-949.)

(625 ILCS 5/8-105) (from Ch. 95 1/2, par. 8-105)
Sec. 8-105.
Action on bond.
The surety bond shall, by its terms, inure to the benefit of the person
recovering any such judgment, and shall provide that an action
may be brought in
any court of competent jurisdiction upon such bond by the owner of any such
judgment; and such bond, for the full amount thereof shall, by its terms,
be a lien for the benefit of the beneficiaries of said bond on such real
estate so scheduled, and shall be recorded in the office of the recorder
in each county in which such real estate is located.

(Source: P.A. 83-358.)

(625 ILCS 5/8-106) (from Ch. 95 1/2, par. 8-106)
Sec. 8-106.
Withdrawal by sureties from bond - Notice.
Any surety or sureties may withdraw from any such bond by serving ten
days previous notice in writing upon such owner and the Secretary of
State, either personally or by registered mail, whereupon it shall be
the duty of such owner to file another bond or insurance policy in
accordance with the provisions of this Act. Upon the expiration of said
ten days, the Secretary of State shall mark said bond "withdrawn", with
the date such withdrawal became effective, and thereupon the liability of
the sureties on such bond shall cease as to any injury or damages
sustained after the date such withdrawal became effective.

(Source: P.A. 80-1495.)

(625 ILCS 5/8-107) (from Ch. 95 1/2, par. 8-107)
Sec. 8-107.
Authority to require replacement of bond.
If, at any time, in the judgment of the Secretary of State, said bond
is not sufficient for any good cause, he may require the owner of such
motor vehicle who filed the same to replace said bond with another good
and sufficient bond or insurance policy, in accordance with the
provisions of this Act, and upon such replacement, the liability of the
surety or sureties on such prior bond shall cease as to any injury or damage
sustained after such replacement.

(Source: P.A. 80-1495.)

(625 ILCS 5/8-108) (from Ch. 95 1/2, par. 8-108)
Sec. 8-108.
Insurance policy as bond.
A policy of insurance in a solvent and responsible company authorized to
do business in the State of Illinois, and having admitted net assets of not
less than $300,000 insuring the owner, his agent or any person
operating the motor vehicle with the owner's express or implied consent against
liability for any injury to or death of any person or for damage to
property other than the motor vehicle resulting from the negligence of
such owner, his agent or any person operating the vehicle with his express
or implied consent, when accepted by the Secretary of State, shall be proof
of financial responsibility as required by Section 8-101 or 8-101.1.

(Source: P.A. 82-433.)

(625 ILCS 5/8-109) (from Ch. 95 1/2, par. 8-109)
Sec. 8-109.
Requirements of policy.
1. The policy of insurance
may cover one or more motor
vehicles and for each such vehicle shall insure such owner against liability
upon the owner to a minimum amount of $250,000 for bodily
injury to, or death of, any person, and $50,000 for damage to
property, provided
that the maximum payment required of such company on all judgments
recovered against an owner hereunder shall not exceed the
sum of $300,000 for each motor vehicle operated under
the provisions of this Section.
2. The policy of insurance shall provide for payment
and satisfaction of any judgment within 30 days after it becomes
final rendered against the owner or any person operating the motor vehicle
with the owner's express or implied consent
for such injury, death or damage to property other than the motor vehicle,
and shall provide that suit may be brought
in any court of competent jurisdiction upon such insurance
policy by the owner of any such judgment.
3. The insurance policy shall contain a description
of each motor vehicle, giving the manufacturer's name and
number and state license number.

(Source: P.A. 82-949.)

(625 ILCS 5/8-110) (from Ch. 95 1/2, par. 8-110)
Sec. 8-110.
Cancellation of insurance policy - notice.
1. In the event said policy of insurance be cancelled by the issuing
company, or the authority of said issuing company to do business in the
State of Illinois be revoked, the Secretary of State shall require the
owner who filed the same either to furnish a bond or to replace said policy
with another policy according to the provisions of this Act.
2. Said policy of insurance shall also contain a provision that the same
cannot be cancelled by the company issuing it without giving ten days
notice in writing of such cancellation to the owner and the Secretary of
State, either personally or by registered mail.
3. Whenever the issuing company gives such notice of cancellation, the
Secretary of State shall, at the expiration of said ten days, mark said
insurance policy "Withdrawn" with the date such withdrawal became
effective, and thereupon the liability of such company on said policy shall
cease as to any injury or damage sustained after the date such withdrawal
becomes effective.

(Source: P.A. 76-1586.)

(625 ILCS 5/8-111) (from Ch. 95 1/2, par. 8-111)
Sec. 8-111.
Proof required after cancellation.

If, at any time, in the judgment of the Secretary of State, said policy
of insurance is not sufficient for any good cause, he may require the owner
of such motor vehicle who filed the same, to replace said policy of
insurance with another good and sufficient bond or insurance policy, in
accordance with the provisions of this Act, and upon such replacement, the
liability of the company on said insurance policy shall cease as to any
injury or damage sustained after such replacement.

(Source: P.A. 76-1586.)

(625 ILCS 5/8-112) (from Ch. 95 1/2, par. 8-112)
Sec. 8-112.
When bond on policy to expire.
All bonds and policies of insurance filed with the Secretary of State,
under this Act, shall expire not sooner than the 31st day of December as to
a vehicle registered on a calendar year basis and not sooner than the 30th
day of June as to a vehicle registered on a fiscal year basis in each year,
provided, that the expiration of same shall not terminate liabilities upon
such bonds and policies of insurance arising during the period for which
the bonds and policies of insurance were filed.

(Source: P.A. 77-99.)

(625 ILCS 5/8-113) (from Ch. 95 1/2, par. 8-113)
Sec. 8-113.
Secretary of State to suspend registration certificates, registration plates or digital registration plates,
and registration sticker or digital registration sticker when bond or policy cancelled or withdrawn.
In the event that a bond or policy of insurance is cancelled or
withdrawn with respect to a vehicle or vehicles, subject to the provisions
of Section 8-101 or 8-101.1, for which the bond or policy of insurance was
issued,
then the Secretary of State immediately shall suspend the registration
certificates, registration plates or digital registration plates, and registration sticker or stickers or digital registration sticker or stickers of
the owner, with respect to such motor vehicle or
vehicles, and said registration certificates, registration plates or digital registration plates, and
registration
sticker or stickers or digital registration sticker or stickers shall
remain suspended and no registration shall be permitted or renewed unless
and until the owner of the motor vehicle shall have filed proof of
financial responsibility as provided by Section 8-101 or 8-101.1.

(Source: P.A. 101-395, eff. 8-16-19.)

(625 ILCS 5/8-114) (from Ch. 95 1/2, par. 8-114)
Sec. 8-114. Issuance of license upon proof of financial responsibility.
The Secretary of State shall issue to each person who has in effect
proof of financial responsibility as required by Section 8-101 or 8-101.1, a
certificate for each motor vehicle operated by such person and included
within the proof of financial responsibility. Each certificate shall
specify the Illinois registration plate or digital registration plate and registration
sticker or digital registration sticker number of the vehicle, a statement
that proof of financial responsibility has been filed, and the period for
which the certificate was issued.

(Source: P.A. 101-395, eff. 8-16-19.)

(625 ILCS 5/8-115) (from Ch. 95 1/2, par. 8-115)
Sec. 8-115. Display of certificate-Enforcement. The certificate issued pursuant to Section 8-114 shall be displayed upon
a window of the motor vehicle for which it was issued, in such manner as to
be visible to the passengers carried therein. This Section and Section
8-114 shall be enforced by the Illinois State Police, the Secretary
of State, and other police officers.

(Source: P.A. 102-538, eff. 8-20-21.)

(625 ILCS 5/8-116) (from Ch. 95 1/2, par. 8-116)
Sec. 8-116.

Any person who fails to comply with the provisions of this Chapter, or
who fails to obey, observe or comply with any order of the Secretary of
State or any law enforcement agency issued in accordance with the
provisions of this Chapter is guilty of a Class A misdemeanor.

(Source: P.A. 77-2838.)