Amends the Illinois Insurance Code. Provides that, in addition to the options of total car replacement or a cash settlement, an insurer that issues a policy of automobile insurance shall provide to the policyholder, after the policyholder has been deemed eligible for compensation following an automobile crash, the option to be compensated for the value of repairs to make the automobile safe to drive. Requires an insurer to provide a copy of a specified rule at the time an offer of compensation for total loss is made. Requires the Department of Insurance to amend a specified rule to include information about the right of policyholders to elect to be compensated for the value of repairs to make the automobile safe to drive. House Floor Amendment No. 4 Deletes reference to: 215 ILCS 5/143.19.4 new Adds reference to: 215 ILCS 5/154.10 new Replaces everything after the enacting clause. Amends the Illinois Insurance Code. Provides that upon the determination of a total loss of an insured vehicle, the insurance company shall provide the insured with a brief description of how that determination was made, including any available repair estimate, estimated vehicle salvage value, assessed market value, and other costs and calculations used. Provides that the provisions apply to policies issued or renewed on or after July 1, 2025.