Title XXIV — BUSINESS AND FINANCIAL INSTITUTIONS

379.155. Coinsurance provisions declared void — exception. — No fire insurance policy which may be issued after this section takes effect shall contain any clause or provision requiring the assured to take out or maintain a larger amount of insurance than that covered by such pol…

379.1550. Rulemaking authority — effective date. — 1. The director may promulgate rules to implement the provisions of sections 379.1500 to 379.1550. Any rule or portion of a rule, as that term is defined in section 536.010, that is created under the authority delegated in sectio…

379.160. Form of policy to be filed — coinsurance clause. — 1. Each fire insurance company doing business in the state of Missouri is hereby required to file the form of policy for use by it in the state of Missouri, covering the responsibilities of the companies as well as the d…

379.1640. Self-service storage — definitions — offer of insurance, requirements — prohibited acts — limitation on policy amount — rulemaking authority. — 1. As used in this section, the following terms shall mean: (1) "Department", the department of commerce and insurance; (2) "D…

379.165. Construction of warranties of fact made in application. — The warranty of any fact or condition hereafter made by any person in his or her application for insurance against loss by fire, tornado or cyclone, which application, or any part thereof, shall thereafter be made…

379.170. Construction of warranties of fact incorporated in policy. — The warranty of any fact or condition hereafter incorporated in or made a part of any fire, tornado or cyclone policy of insurance, purporting to be made or assented to by the assured which shall not materially…

379.1700. Definitions. — As used in sections 379.1700 to 379.1708, the following terms shall mean: (1) "Digital network", any online-enabled application, software, website, or system offered or utilized by a transportation network company that enables the prearrangement of rides …

379.1702. Primary automobile insurance to be maintained, requirements — lapsed coverage, effect of — proof of insurance required. — 1. Beginning April 1, 2017, a transportation network company driver or transportation network company on the driver's behalf shall maintain primary …

379.1704. Disclosure of insurance coverage, how made. — The transportation network company shall disclose in writing to transportation network company drivers the following before they are allowed to accept a request for a prearranged ride on the transportation network company's …

379.1706. Disclosure statement — display. — A transportation network company shall make the following disclosure to a prospective driver in the prospective driver's terms of service: ­ ­ ­­ ­ ­­-------- (L. 2016 S.B. 947) *Word "subsection" appears in original rolls.

379.1708. Exclusions and limitations on coverage. — 1. Insurers that write automobile insurance in Missouri may exclude or limit any and all coverage afforded under an automobile insurance policy, including a motor vehicle liability policy, issued to an owner or operator of a per…

379.175. Evasion of sections prohibited. — No insurance company, corporation or association of persons doing a fire, cyclone or tornado insurance business in this state, shall have the right, power or authority, by contract or otherwise, to contract against or in any manner whate…

379.180. Adjustments and examination of books to be made at place of loss. — All adjustments, arbitrations, settlements and examinations of books, invoices and accounts shall be had at the town, city or neighborhood where the fire occurs, unless some other place be agreed upon be…

379.1800. Description of authorized group personal lines property and casualty insurance — requirements. — 1. Except as provided in subsection 2 of this section, no policy of group personal lines property and casualty insurance shall be issued or delivered in this state unless it…

379.1803. Master policy issuance, certificates — content of master policy. — 1. A master policy shall be issued to the policyholder. Eligible employees or members insured under the master policy shall receive certificates of coverage setting forth a statement as to the insurance …

379.1806. Basic package of coverages and limits, additional coverages or limits — reduced coverage, when — coverage terminated, when — optional coverages or limits — stacking prohibited. — 1. The master policy shall provide a basic package of coverages and limits that are availab…

379.1809. Rating plan, master policy premium — rates not unfairly discriminatory, when — experience refunds or dividends, when. — 1. No master policy or certificate of insurance shall be issued or delivered in this state unless the rating plan and amendments thereto used in the d…

379.1812. Loss and expense experience statistics — employee purchase of insurance not required — premium taxes, allocation of premiums. — 1. An insurer issuing or delivering group personal lines property and casualty insurance shall maintain separate statistics as to the loss and…

379.1815. Licensure required for agent or broker of policies — exception for certain activities — countersignature requirements prohibited. — 1. No person shall act in this state as an insurance agent or broker in connection with the solicitation, negotiation, or sale of a group …

379.1818. Notice of termination, contents — conversion to individual policy, when — inapplicability. — 1. Each employee or member covered under the master policy whose coverage thereunder terminates for any reason other than the failure to make required contributions toward premi…

379.1821. Licensure required for issuance of policies — inapplicability to mass marketing and certain policies — rulemaking authority. — 1. No master policy or certificate of insurance shall be issued or delivered in this state unless issued or delivered by an insurer which is du…

379.1824. Effective date. — The provisions of sections 379.1800 to 379.1824 shall become effective January 1, 2022. No master policy or certificate of insurance shall be issued or delivered in this state after the effective date unless issued or delivered in compliance with secti…

379.185. After notice of loss, company to furnish blanks. — Whenever any loss or damage shall be suffered in this state from fire, by any person, persons or corporation, upon property insured under a policy of insurance of any fire insurance company doing business in this state, …

379.1850. Lender-placed insurance, applicability — exceptions. — 1. Sections 379.1850 to 379.1869 shall apply to insurers and insurance producers engaged in any transaction involving lender-placed insurance, as defined in section 379.1851. 2. All lender-placed insurance written i…

379.1851. Definitions. — As used in sections 379.1850 to 379.1869, the following terms shall mean: (1) "Affiliate", a person who directly, or indirectly through one or more intermediaries, controls, is controlled by, or is under common control with, the person specified; (2) "Ind…

379.1853. Effective, when — terminates, when — charges, limitation on length of term. — 1. Lender-placed insurance shall become effective no earlier than the date of lapse of insurance upon mortgaged real property subject to the terms of a mortgage agreement or any other state or…

379.1855. Coverage and premiums based on replacement cost value — determined how. — 1. Any lender-placed insurance coverage, and subsequent calculation of premium, should be based upon the replacement cost value of the property. Replacement cost value of the property shall be det…

379.1857. Prohibited acts. — 1. No insurer or insurance producer shall issue lender-placed insurance on mortgaged property if the insurer or insurance producer, or an affiliate of the insurer or insurance producer, owns, performs the servicing for, or owns the servicing right to,…

379.1859. Requirements not to be circumvented. — Nothing in sections 379.1850 to 379.1869 shall be construed to allow an insurance producer or an insurer solely underwriting lender-placed insurance to circumvent the requirements set forth within those sections. Any part of any re…

379.1861. Individual policy or certificate of insurance — delivery of — information to be included. — Lender-placed insurance shall be set forth in an individual policy or certificate of insurance. A copy of the individual policy, certificate of insurance, or other evidence of in…

379.1863. Filing requirements with the department — review of rates — refile required, when — information to be reported annually to department. — 1. All policy forms and certificates of insurance to be delivered or issued for delivery in this state, and the schedules of premium …

379.1865. Enforcement by department — no private cause of action. — 1. (1) The director of the department of commerce and insurance shall have authority to enforce the provisions of sections 379.1850 to 379.1869 as specified in chapter 374. (2) A final order of the director enfor…

[Repealed or reserved.]

379.1869. Rulemaking authority. — The department of commerce and insurance may promulgate rules as necessary for the implementation of sections 379.1850 to 379.1869. Any rule or portion of a rule, as that term is defined in section 536.010, that is created under the authority del…

379.190. Failure to furnish blank forms deemed waiver. — If any such fire insurance company shall fail, neglect or refuse to furnish blank forms of statements and proofs of loss to the insured, in case of loss or damage by fire, as provided in section 379.185, then such company s…

379.1900. Citation of law. — Sections 379.1900 to 379.1970 shall be known and may be cited as the "Peer-to-Peer Car-Sharing Program Act". ­­-------- (L. 2025 H.B. 974, et al.) Effective 1-01-26

379.1905. Scope of act. — Nothing in sections 379.1900 to 379.1970 shall be construed to extend beyond insurance or have any implications for sections other than sections 379.1900 to 379.1970 including, but not limited to, sections related to motor vehicle regulation, airport reg…

379.1910. Definitions. — For purposes of sections 379.1900 to 379.1970, except where otherwise provided, the following terms mean: (1) "Car-sharing delivery period", the period of time during which a shared vehicle is being delivered to the location of the car-sharing start time,…

379.1915. Insurance coverage during car-sharing period. — 1. Except as provided in subsection 2 of this section, a peer-to-peer car-sharing program shall assume liability of a shared vehicle owner for: (1) Bodily injury or property damage to third parties; (2) Uninsured and under…

379.1920. Notification of implication of lien. — At the time when a vehicle owner registers as a shared vehicle owner on a peer-to-peer car-sharing program and prior to the time when the shared vehicle owner makes a shared vehicle available for car sharing on the peer-to-peer car…

379.1925. Exclusions in motor vehicle liability insurance policies. — 1. An authorized insurer that writes motor vehicle liability insurance in this state may exclude any and all coverage and the duty to defend or indemnify for any claim afforded under a shared vehicle owner's mo…

379.1930. Recordkeeping — use of vehicle in car sharing. — A peer-to-peer car-sharing program shall collect and verify records pertaining to the use of a vehicle including, but not limited to, times used, car-sharing period pick-up and drop-off locations, fees paid by the shared …

379.1935. Vicarious liability exemption. — A peer-to-peer car-sharing program and a shared vehicle owner shall be exempt from vicarious liability, consistent with 49 U.S.C. Section 30106, under any state or local law that imposes liability solely based on vehicle ownership. ­­---…

379.1940. Indemnification claim, contribution against. — A motor vehicle insurer that defends or indemnifies a claim against a shared vehicle that is excluded under the terms of its policy shall have the right to seek recovery against the motor vehicle insurer of the peer-to-peer…

379.1945. Insurable interest in shared vehicle. — 1. Notwithstanding any other law, statute, rule, or regulation to the contrary, a peer-to-peer car-sharing program shall have an insurable interest in a shared vehicle during the car-sharing period. 2. Nothing in this section crea…

379.195. Accident insurance liability fixed, when — cancellation prohibited. — 1. In respect to every contract of insurance made between an insurance company, person, firm or association, whether a stock, a mutual, a reciprocal or other company, association or organization, and a…

379.1950. Consumer protection disclosures. — Each car-sharing program agreement made in this state shall disclose to the shared vehicle owner and the shared vehicle driver: (1) Any right of the peer-to-peer car-sharing program to seek indemnification from the shared vehicle owner…

379.1955. Driver's license verification and data retention. — 1. A peer-to-peer car-sharing program shall not enter into a peer-to-peer car-sharing program agreement with a driver unless the driver who will operate the shared vehicle: (1) Holds a driver's license issued by this s…

379.1960. Responsibility for equipment. — A peer-to-peer car-sharing program shall have sole responsibility for any equipment, such as a GPS system or other special equipment, that is put in or on the vehicle to monitor or facilitate the car-sharing transaction and shall agree to…

379.1965. Automobile safety recalls. — 1. At the time when a vehicle owner registers as a shared vehicle owner on a peer-to-peer car-sharing program and prior to the time when the shared vehicle owner makes a shared vehicle available for car sharing on the peer-to-peer car-sharin…