215 ILCS 5/143.13

(215 ILCS 5/143.13) (from Ch. 73, par. 755.13)

Sec. 143.13.

Definition of terms used in Sections 143.11 through 143.24.

(a) "Policy of automobile insurance" means a policy delivered or
issued for delivery in this State, insuring a natural person as named
insured or one or more related individuals resident of the same
household and under which the insured vehicles therein designated are
motor vehicles of the private passenger, station wagon, or any other
4-wheeled motor vehicle with a load capacity of
1500 pounds or less which is not used in  the occupation, profession or
business of the insured or not used as a public or livery conveyance for
passengers nor rented to others.  Policy of automobile insurance shall also
mean a named non-owner's automobile policy.

Policy of automobile insurance does not apply to policies of
automobile insurance issued under the Illinois Automobile Insurance
Plan, to any policy covering garages, automobile sales agencies, repair
shops, service stations or public parking place operation hazards.  "Policy
of automobile insurance" does not include a policy, binder, or
application for
which the applicant gives or has given for the initial premium a check or
credit card charge that is subsequently dishonored for payment, unless the
check or credit card charge was dishonored through no fault of the payor.

(b) "Policy of fire and extended coverage insurance" means a policy
delivered or issued for delivery in this State, that includes but is not
limited to, the perils of fire and extended coverage, and covers real
property used principally for residential purposes up to and including a 4
family dwelling or any household or personal property that is usual or
incidental to the occupancy to any premises used for residential purposes.

(c) "All other policies of personal lines" means any other policy of
insurance issued to a natural person for personal or family protection.

(d) "Renewal" or "to renew" means
(1) any change to an entire
line of business in accordance with subsection b-5 of Section 143.17 and
(2)
the issuance and delivery by an
insurer of a policy superseding at the end of the policy period a policy
previously issued and delivered by the same insurer or the issuance and
delivery of a certificate or notice extending the term of a policy
beyond its policy period or term; however, any successive policies
issued by the same insurer to the same insured, for the same or similar
coverage, shall be considered a renewal policy.

Any policy with a policy period or term of less than 6 months or any
policy with no fixed expiration date shall be considered as if written
for successive policy periods or terms of 6 months for the purpose of
"renewal" or "to renew" as defined in this paragraph (d) and for the purpose
of any non-renewal notice required by Section 143.17 of this Code.

(e) "Nonpayment of premium" means failure of the named insured to
discharge, when due, any of his obligations in connection with the
payment of premiums or any installment of such premium that is payable
directly to the insurer or to its agent. Premium shall mean the premium
that is due for an individual policy which shall not include any membership
dues or other consideration required to be a member of any organization in
order to be eligible for such
policy.  The term
"nonpayment of premium" does not include a check, credit card
charge, or money order that an applicant gives or has given to any person for
the
initial premium payment for a policy, binder, or application
and that is subsequently dishonored for payment, and any policy,
binder, or application in connection therewith is void and of no effect and not
subject to the cancellation provisions of this Code.

(f) "A policy delivered or issued for delivery in this State" shall
include but not be limited to all binders of insurance, whether written
or oral, and all applications bound for future delivery by a duly
licensed resident agent.  A written binder of insurance issued for a term
of 60 days or less, which contains on its face a specific inception and
expiration date and which a copy has been furnished to the insured, shall
not be subject to the non-renewal requirements of Section 143.17 of this
Code.

(g) "Cancellation" or "cancelled" means the termination
of a policy by an insurer prior to the expiration date of the policy.  A
policy of automobile or fire and extended coverage insurance which expires
by its own terms on the policy expiration date unless advance premiums are
received by the insurer for succeeding policy periods shall not be considered
"cancelled" or a "cancellation" effected by the insurer in the event such
premiums are not paid on or before the policy expiration date.

(h) "Commercial excess and umbrella liability policy" means a policy
written over one or more underlying policies for an insured:

(1) that has at least 25 full-time employees at the