Illinois Compiled Statutes
625 ILCS 5/ - Illinois Vehicle Code.
Chapter 9 - Owners Of For Rent Vehicles For-Hire

(625 ILCS 5/Ch. 9 heading)

(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.)

(625 ILCS 5/9-102) (from Ch. 95 1/2, par. 9-102)
Sec. 9-102.
Alternate methods of giving proof of financial responsibility.
Proof of financial responsibility when required under Section 9-101 may
be given by the following methods. By filing with the Secretary of State:
1. A bond as provided in Section 9-103.
2. An insurance policy or other proof of insurance in a form to be
prescribed by the Secretary as provided in Section 9-105.
3. A certificate of self insurance issued by the Director.

(Source: P.A. 86-444.)

(625 ILCS 5/9-103) (from Ch. 95 1/2, par. 9-103)
Sec. 9-103.
Bond as proof - requirements.
A motor vehicle liability bond, conditioned that the owner of the motor
vehicle will pay any judgment within 30 days after it becomes final,
recovered against the customer and the owner of the motor vehicle or
against any person operating the motor vehicle with the customer's and the
owner's express or implied consent for damage to property other than to the
rented motor vehicle, 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, provided, however, every such bond is in
the penal sum of $100,000.
The bond shall be executed by a solvent and responsible surety company
authorized to do business in the State of Illinois, or by one or more
personal sureties to be approved by the Secretary of State.
The personal sureties shall own real estate in the State of Illinois of
the aggregate value of $100,000, over and above all encumbrances, and each
of the personal sureties shall make an affidavit concerning the property
which he schedules for the purpose of qualifying as surety, stating the
location, legal description, market value, and the amount and nature of any
encumbrances.

(Source: P.A. 86-444.)

(625 ILCS 5/9-104) (from Ch. 95 1/2, par. 9-104)
Sec. 9-104.
Withdrawal of sureties-Notice.
Any surety may withdraw from the bond by serving ten days previous
notice in writing, either personally or by registered mail, upon the owner
of the motor vehicle, and upon the Secretary of State, 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 the ten
days, the Secretary of State shall mark the bond "Cancelled".

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

(625 ILCS 5/9-105) (from Ch. 95 1/2, par. 9-105)
(Text of Section before amendment by P.A. 102-982)
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 accident.

(Source: P.A. 86-880.)
(Text of Section after amendment by P.A. 102-982)
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.)

(625 ILCS 5/9-106) (from Ch. 95 1/2, par. 9-106)
Sec. 9-106.
Cancellation of policy - Notices.
The policy shall provide that the insurance carrier may cancel it by
serving 10 days' previous notice in writing, either personally or by
registered mail, upon the owner of the motor vehicle and upon the Secretary
of State. Whenever any such policy shall be so cancelled, the Secretary of
State shall mark same "Cancelled" and shall require such owner either to
furnish a bond or a new policy of insurance, in accordance with this Act.
All policies filed with the Secretary of State shall expire not sooner
than the 31st day of December as to vehicles registered on a calendar year
nor sooner than the 30th day of June as to vehicles registered on a fiscal
year.

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

(625 ILCS 5/9-107) (from Ch. 95 1/2, par. 9-107)
Sec. 9-107.
Authority to require replacement of bond.
If, at any time, in the judgment of the Secretary of State, the
liability policy filed hereunder, is not sufficient for any good cause, he
may require the owner of such motor vehicle who filed the same to replace,
within fifteen (15) days from the date of notice given, said policy with
another good and sufficient liability policy or bond, in accordance with
the provisions of this Act. At the time of replacement or at the expiration
of the fifteen (15) day period, as the case may be, the Secretary of State
shall mark the policy "Cancelled."
Upon the cancellation of any liability policy hereunder the liabilities
on said policy shall thereupon cease as to any future damage or injury.

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

(625 ILCS 5/9-108) (from Ch. 95 1/2, par. 9-108)
Sec. 9-108.
Application for approval of insurance policy or bond required.
Every person desiring to engage in the business of renting out a motor
vehicle, to be operated by the customer, shall file with the Secretary of
State, an application for the approval of the Secretary of State of the
insurance policy or bond tendered under the provisions of this Act, by such
person, and if the Secretary of State shall determine that such insurance
policy or bond complies with the provisions of this Act, he shall accept
such insurance policy or bond, and shall thereupon issue to such applicant
a certificate setting forth the fact that the applicant has, in respect to
the vehicle described therein, complied with the provisions of this Act.

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

(625 ILCS 5/9-109) (from Ch. 95 1/2, par. 9-109)
Sec. 9-109. Secretary of State to cancel certificate and to suspend
license plates and registration stickers when bond or policy cancelled or
withdrawn.
(a) If any insurance policy or bond filed hereunder shall for any
reason become inoperative, the Secretary of State shall forthwith cancel
the certificate of compliance of the owner and it shall be unlawful for the
owner to rent out the motor vehicle, covered by said certificate, until a
policy or bond meeting the requirements of this Act is filed with the
Secretary of State and a certificate has been issued by him as provided by
Section 9-108.
(b) The Secretary of State shall also suspend the registration
certificate, license plates or digital license plates, and registration sticker or stickers or digital registration sticker or stickers of
the owner, with respect to the motor vehicle for which the insurance policy
or bond had been issued, and said registration certificates, license plates or digital license 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
said motor vehicle shall have complied with the provisions of this Act.

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

(625 ILCS 5/9-110) (from Ch. 95 1/2, par. 9-110)
Sec. 9-110.
Penalties for violations of this Act.
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, in accordance with the provisions of this Chapter, is guilty of a
Class A misdemeanor.

(Source: P.A. 77-2720.)