Missouri Administrative Code

be provided to all potential customers within the designated PURPOSE: This rule prescribes safety measures and the procedures service area within twenty (20) days after the filing of an for reporting accidents. application for a certificate of convenience and necessity. (A) The n…

Convenience and Necessity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Denny Hoskins (4/30/25) CODE OF STATE REGULATIONS 1 Secretary of State 20 CSR 4240-60—DEPARTMENT OF COMMERCE DIVISION 4240—PUBLIC SERVICE AND INSURANCE COMMISSION TITLE 20—DE…

Records the National Association of Regulatory Sewage Co. v. P.S.C., 515 SW2d 845 (Mo. Commissioners and the Uniform Systems of App. 1974) that donations and cash connec- PURPOSE: This rule prescribes the length of Accounts For Class C and D Sewer Utilities tion fees are contribu…

Accounts—Sewer Companies Amended: Filed April 26, 1976, effective Sept. 11, 1976. Amended: Filed July 13, PURPOSE: This rule prescribes uniform sys- 1979, effective Feb. 1, 1980. Amended: Filed tems of accounts for and the filing of annual March 19, 1996, effective Oct. 30, 1996.…

(Rescinded May 30, 2025) AUTHORITY: section 386.250, RSMo Supp. 1998, and section 393.140, RSMo 1994. This rule originally filed as 4 CSR 240-80.015. Original rule filed April 26, 1999, effective Feb. 29, 2000. Moved to 20 CSR 4240-80.015, effective Aug. 28, 2019. Rescinded: File…

(Rescinded May 30, 2025) AUTHORITY: section 386.760.1, RSMo Supp. 1998, and section 393.140, RSMo 1994. This rule originally filed as 4 CSR 240-80.017. Original rule filed Dec. 17, 1998, effective Aug. 30, 1999. Moved to 20 CSR 4240-80.017, effective Aug. 28, 2019. Rescinded: Fil…

Companies PURPOSE: This rule prescribes a uniform system of accounts for all steam heating companies regulated by the Public Service Commission. Additional requirements regarding this subject mat- ter and the filing annual reports are found at 4 CSR 240-3.435. (1) The uniform sys…

the insured and this company shall fail to agree as to the actual PURPOSE: This regulation establishes the standard fire insurance cash value or the amount of loss, then, on the written demand policy for Missouri. This regulation was adopted pursuant to the of either, each shall …

Insured Premises Location_________________________________ Coverages in General This is our office notice that the coverages afforded by the Editor’s Note: On January 31, 1995, a preliminary injunction above-numbered policies will be— enjoining the Missouri Department of Insuranc…

vote at all meetings of the members and, upon termination of PURPOSE: This regulation prohibits insurance producers from this policy, shall participate in the distribution of dividends as binding insurance to provide rate advantages. This regulation was fixed and determined by th…

personal property which can be or is attached to realty so as to PURPOSE: This regulation precludes insurers from issuing property become a fixture whether or not severed or severable. and casualty insurance policies containing compulsory arbitration (C) “Loss payable clause” mea…

greater of these two (2) amounts in case of a total loss. The use PURPOSE: This regulation prevents consumers being subjected to of any policy provision which limits the benefits payable under duress and charged excessive premiums for relatively insignificant motor vehicle insura…

John R. Ashcroft (8/31/23) CODE OF STATE REGULATIONS 1 Secretary of State 20 CSR 500-1—DEPARTMENT OF COMMERCE AND INSURANCE DIVISION 500—PROPERTY AND CASUALTY TITLE 20—DEPARTMENT OF COMMERCE AND RSMo, or by other language that provides coverage for a partial INSURANCE loss caused…

(Rescinded April 30, 2019) AUTHORITY: sections 374.045, RSMo 2000 and 443.415, RSMo Supp. 2002. Original rule filed April 11, 1996, effective Nov. 30, 1996. Amended: Filed Aug. 31, 2000, effec- tive April 30, 2001. Amended: Filed Nov. 1, 2002, effective July 30, 2003. Rescinded: …

(Rescinded April 30, 2019) AUTHORITY: section 374.045, RSMo Supp. 2009. Original rule filed April 11, 1996, effective Nov. 30, 1996. Amended: Filed Dec. 14, 2000, effective July 30, 2001. Amended: Filed April 15, 2010, effective Dec. 30, 2010. Rescinded: Filed Oct. 30, 2018, effe…

(Rescinded April 30, 2019) AUTHORITY: section 375.948, RSMo 1994. Original rule filed April 11, 1996, effective Nov. 30, 1996. Amended: Filed Aug. 31, 2000, effective April 30, 2001. Rescinded: Filed Oct. 30, 2018, effective April 30, 2019.

(Rescinded April 30, 2019) AUTHORITY: section 374.045, RSMo 1994. Original rule filed April 11, 1996, effective Nov. 30, 1996. Rescinded: Filed Oct. 30, 2018, effective April 30, 2019. JOHN R. ASHCROFT (3/31/19) CODE OF STATE REGULATIONS 3 Secretary of State…

Automobile Policies rately by endorsement, shall not— visions on that date. Existing policy forms 1. Permit medical payments or Workers’ shall be amended by endorsement or replaced PURPOSE: This regulation requires the filing Compensation payments set-off; by a complying policy o…

excluded by definition in section 379.110(3), (A) The provisions of sections 303.170 and RSMo. 303.180, RSMo, specify how persons PURPOSE: This regulation requires certain required to furnish proof of financial respon- coverages on motorcycle insurance policies, (2) Statutory Sta…

(B) For purposes of this section, the notifi- cy or certificate of coverage must be mailed, Single Interest cation of the cancellation or termination of a first class mail, or delivered in person to the certified policy shall be deemed to have been last known address of the debto…

Collateral the actual cash value of the mobile home, plan or rating system shall be considered except for the vendors'/lenders' single inter- unfairly discriminatory within the meaning of PURPOSE: This regulation requires certain est portion of that policy which may be mea- secti…

Theft and C.A.C. .............................................................................7 JOHN R. ASHCROFT (10/31/19) CODE OF STATE REGULATIONS 1 Secretary of State Chapter 2—Automobile Insurance 20 CSR 500-2 Title 20—DEPARTMENT OF (F) Newly acquired and replacement auto- i…

Fire panies issuing this insurance must be autho- rized to do business in Missouri. PURPOSE: This regulation states require- ments for insurers filing and utilizing a non- standard dwelling fire insurance rating plan. 20 CSR 500-3.200 Cancellation, Nonre- This regulation was adop…

these provisions. Neither reference filings nor adherence to PURPOSE: This rule provides procedures for filing or furnishing rating organization filings or deviations shall circumvent the rates and other information with the Missouri Department of commercial casualty insurance ra…

tion Filings filings by—i) becoming a participating insurer of a licensed rating organization which makes reference filings of advisory PURPOSE: Under the Missouri Insurance Code, rate filings made prospective loss costs, ii) filing with the director the information by individual…

sites PURPOSE: This rule provides requirements for use and record- keeping for insurance companies or reciprocal interinsurance exchanges using rate variations (consent to rate). This rule was adopted pursuant to the provisions of section 374.045, RSMo, and implements sections 37…

and Excess Insurance (Rescinded January 30, 2003) . . . . . . . . . . . . . . . . . . 12 Denny Hoskins (5/31/26) CODE OF STATE REGULATIONS 1 Secretary of State 20 CSR 500-4—DEPARTMENT OF COMMERCE AND INSURANCE DIVISION 500—PROPERTY AND CASUALTY TITLE 20—DEPARTMENT OF COMMERCE AND…

Insurance Rate Filings plus lines insurer pursuant to Chapter 384, RSMo. AUTHORITY: section 383.206.6, RSMo Supp. 2006. Emergency rule filed Feb. 1, AUTHORITY: section 374.045, RSMo 1986.* 2007, effective Feb. 13, 2007, expired Aug. This rule was previously filed as 4 CSR 190- 10…

quate Rates *Original authority: 374.045, RSMo 1967. AUTHORITY: section 383.206.6, RSMo Supp. 2006. Emergency rule filed Feb. 1, 2007, effective Feb. 13, 2007, expired Aug. 10, 2007.

sive Rates AUTHORITY: section 383.206.6, RSMo Supp. 2006. Emergency rule filed Feb. 1, 2007, effective Feb. 13, 2007, expired Aug. 10, 2007.

Unfairly Discriminatory Rates AUTHORITY: section 383.206.6, RSMo Supp. 2006. Emergency rule filed Feb. 1, 2007, effective Feb. 13, 2007, expired Aug. 10, 2007.

sociations (Rescinded July 30, 2019) AUTHORITY: sections 374.045, 375.426 and 383.010–383.040, RSMo 1986. This rule was previously filed as 4 CSR 190-16.150. Origi- nal rule filed Dec. 10, 1975, effective Dec. 20, 1975. Rescinded: Filed Jan. 8, 2019, effective July 30, 2019. 20 C…

Section 383.500, RSMo .....................................................................3 JOHN R. ASHCROFT (10/31/19) CODE OF STATE REGULATIONS 1 Secretary of State Chapter 5—Professional Malpractice 20 CSR 500-5 Title 20—DEPARTMENT OF does not include medical malpractice insu…

Forms *Original authority: 287.310, RSMo 1939, amended 1992, (2) The review, computation, certification, 2003 and 374.045, RSMo 1967, amended 1993, 1995, and collection of Second Injury Fund sur- 2008. PURPOSE: This rule specifies policy provi- charge amounts and information is p…

rience Rating Modification (A) Employee leasing arrangement means AUTHORITY: sections 287.320, RSMo Supp. any arrangement, under contract or other- PURPOSE: This rule sets standards for the 1992 and 374.045, RSMo 1986.* This rule wise, where one (1) business or other entity use o…

(Rescinded September 30, 2019) ...........................................................4 20 CSR 500-6.800 Employee Leasing Arrangements............................................................4 20 CSR 500-6.950 Workers’ Compensation Rate and Supplementary Rate Information F…

Rate and Supplementary Rate Information profit, without judgmental adjustments such (D) The final rate pages, including supple- Filings as loss development and projections through mentary rate information, indicating the rate loss trending to a future point in time. for each clas…

the Workers’ Compensation Residual Mar- the premium, exceed the amount of premium the option of functioning as a direct assign- ket collected by the plan administrator and any ment carrier as opposed to functioning as a servicing carriers, for the period in question; servicing ca…

381.031.14, RSMo 1994, and reviewed November 15, 1996, in Appendix D to 24 PURPOSE: This rule sets out the scope of the under section 381.171, RSMo 1994; and CFR part 3500, or any form which substan- rules in this chapter and provides definitions (J) “Price estimate,” a good fait…

and Charges following, is acceptable: PURPOSE: This rule implements the disclo- sure of material price information pursuant to sections 381.019 and 375.144, RSMo. (1) Disclosure with Title Order. (A) When a prospective purchaser of title insurance or other party to the residentia…

Limitation (A) It is unlawful for a title insurer, title include shareholders of record of any pub- agency or title agent to accept an order for licly-traded insurer. Such report shall be filed PURPOSE: This regulation prescribes title services from any producer with an affil- wi…

site Review sets forth the responsibilities of each party or closing files where commitments or poli- and, when both parties share the responsibil- cies of the insurer have been issued; PURPOSE: This regulation prescribes ity for a particular function, specifies the (J) Policy Re…

for Policy Delay limited to, fees for abstracts, title search and 5. The rate filing shall document the examination and handling of escrows, settle- anticipated losses, expenses, and profits PURPOSE: This regulation prescribes the ments, or closings; and underlying the rates and …

AUTHORITY: section 374.045, RSMo 2000 unreasonably high in relation to the services and sections 381.023 and 381.042, RSMo PURPOSE: This regulation prescribes proce- rendered; Supp. 2008.* Emergency rule filed Oct. 15, dures to be followed by title insurers when fil- 3. Rates are…

Protection Form Filings and sections 381.042 and 381.085, RSMo (A) The individual who performed the Supp. 2007.* Emergency rule filed Jan. 16, examination of title on behalf of the title PURPOSE: This regulation prescribes 2008, effective Jan. 28, 2008, expired July insurer shall…

PURPOSE: This rule prescribes forms and procedures to be followed in proceedings before the insurance department involving the filing of forms with the Property and Casual- ty section. (1) For the purposes of assessing a fee for the filing of all forms, rates and rules required t…

derwriting Rules proprietary information shall comply with the procedures as set forth in 20 CSR 10- PURPOSE: This rule states that any rule used 2.400(3)(L). by an insurer for underwriting purposes must be filed with the Department of Commerce (5) Any insurer which withholds inf…

Data Reporting tory state page of the annual statement; (C) Director means the director of the PURPOSE: This regulation facilitates the Department of Commerce and Insurance; collecting of relevant Medicare supplement (D) Dram shop liability coverage means premium loss data in ord…

Reporting and 536.016, RSMo 2016.* Original rule filed Oct. 1, 2002, effective March 30, 2003. PURPOSE: This rule interprets section Amended: Filed Dec. 19, 2003, effective June 375.1730, RSMo, and sets forth the types of 30, 2004. Amended: Filed Dec. 13, 2018, cost data to be re…

Sickness paid on the basis of a premium rate per Filed Dec. 13, 2018, effective July 30, 2019. (Rescinded July 30, 2019) month per thousand dollars of outstanding insured indebtedness, if premium rates are computed according to the following formula, 20 CSR 600-2.200 Credit Prope…