Filing Requirements
Review Requirements Reference Comments Location in Contract
(page and section #)
If Applicable
Filing Procedures and Fees 20 CSR 500-8.100 & 374.230 (5) RSMo Describes the procedures for rates/rules/forms filings. One filing may contain rates, rules and forms. Payment for filings is available through EFT. Filing fee is $50.00 per line per company. EFT payment may be submitted as long as the filing is still open. Payment not made by EFT will be billed in arrears by Department invoice.  
Transmittal Document   For paper filings, submit a completed TD-1 form  
Withdraw from an entire line of insurance 379.886 RSMo Requires insurers to notify Director 90 days in advance of canceling or non-renewing a line of business.  

Forms
Review Requirements Reference Comments Location in Contract
(page and section #)
If Applicable
Applications 303.190(4) RSMo Applications for insurance are extensions of the contract and must be filed  
Application 375.936 RSMo Prohibits insurers from asking applicants if they have ever been cancelled or non-renewed by prior insurer.  
Cancellation/Nonrenewal—Mailing Requirement 379.885 RSMo Proof of mailing to the named insured at his last known address  
Cancellation/Nonrenewal—Policyholder right to claims history 379.884 RSMo Within 30 days of a written request, the insurer shall provide to the insured a statement of claims history for 3 years prior to the date of cancellation; or total claims history if policy has been in effect less than 3 years.  
Cancellation—Notice of 379.883 RSMo 60 days prior to the effective date except for nonpayment of premium, fraud, changes in conditions after the effective date, insolvency of the insurer or if the insurer involuntarily loses reinsurance for the policy.  
Cancellation/Nonrenewal—Reasons for 379.883(3) RSMo Insurer's actual reason to be sufficiently clear and specific. An assignment or transfer among affiliated insurers within a group is not considered a cancellation/nonrenewal.  
Driver Exclusions 303.190.2(3) RSMo Policies issued to corporations and partnerships cannot exclude drivers; commercial policies that list a "natural person" as a named insured may exclude a household member  
Form filings—effective date 379.978 RSMo Requires insurers who write earthquake to prepare and retain a written disaster plan covering earthquakes  
Forms filed 20 CSR 500-4.100 Filings must be received by the Department within 10 days of the effective date  
Insurance Identification cards 303.024 RSMo Insurers are required to furnish ID cards to their insureds which may be produced in either paper or electronic format. Statute specifies information to be included on the ID cards; ID cards are filed with the Department.  
Automobile Insurance Plan 20 CSR 500-2.300(6) & 379.120 RSMo When an insurer cancels/non-renews an auto policy it must include notice to the consumer of possible coverage through the Automobile Insurance Plan  
Mandatory Endorsement (name, address, phone) 375.924(1) RSMo Requires policies to provide the name, address and telephone number of the insurer  
Minimum liability limit requirements 303.190.2(2) RSMo BI $25,000/person, $50,000/accidentPD $10,000/accident  
Missouri Property & Casualty Guaranty Association 375.772 RSMo. Requires policy to contain the guaranty fund endorsement  
Nonrenewal—Notice of 379.883 RSMo 60 days prior to the effective date of nonrenewal  
SR-22 filings-Premium 20 CSR 500-2.300(4)(B) Premiums charged for SR-22s shall be reasonable  
SR-26 filings—Cancellations 20 CSR 500-2.300(4) (5) & 303.210 RSMo Requires an additional 10 days of coverage after the notice of cancellation if filed with the Department of Revenue  

Uninsured/Under-insured Motorists
Review Requirements Reference Comments Location in Contract
(page and section #)
If Applicable
Arbitration 435.350 RSMo. Mandatory binding arbitration prohibited in contracts of insurance.  
Government vehicles Case Law--Martin v. State Farm Mutual Insurance Company, 755 S.W. 2d 638 (Mo. Banc. 1988) May not be excluded for Uninsured Motorist coverage  
Medical Payments/Workers' Compensation Payments 20CSR500-1.200(2)(G)1 Uninsured Motorist coverage shall not permit the off-set of med. pay or workers’ compensation payments  
Stacking Uninsured Motorist limits Case Law—Cameron Mutual Insurance Company v. Madden, 533 S.W.2d 538 (MO. Banc 1976) Mandatory on every vehicle insured in Missouri  
Underinsured Motorist Limits Reduction 379.204 RSMo. Underinsured Motorist coverage at limits less than 50/100 shall be paid as excess of the liability of any uninsured motor vehicle.  
Underinsured Motorist Limits Reduction 379.204 RSMo. Underinsured motorist coverage at limits less than 50/100 shall be paid over and above the other drivers liability limits, no limits to limits reductions.  
Uninsured Motorist coverage 379.203 RSMo. Mandatory with minimum 25/50 Uninsured Motorist limits  
Uninsured Motorist coverage exception 379.203 RSMo. Uninsured Motorist coverage is required on all motor vehicles except for employers who have a fleet of 5 or more, or 8 + passenger commercial vehicles. In those cases, Uninsured Motorist coverage must only be offered.  

Rates
Review Requirements Reference Comments Location in Contract
(page and section #)
If Applicable
Consent to Rate (A-Rate) 20CSR500-4.300 Sets out standards to use "Consent to Rate" filings  
Consent to Rate (A-Rate) 379.888.1(1) RSMo Defines "A Rates" as being rates individually determined based on judgment because neither a rate service organization nor the insurer has established a manual rate  
Deviation from rating organization 379.326 RSMo Deviations from rating organizations shall be filed with the Director and are effective upon the date of filing  
Fees 375.052 RSMo. & 379.356 RSMo. Incidental fees for premium installments, late payments, policy reinstatements or other similar services specifically provided for by law or regulation are allowed.  
Rate increases prohibited 20CSR500-2.600(3) Insurers cannot increase premiums for not at fault accidents.  
Rate Standards 379.470 RSMo. Rates may not be excessive, inadequate or unfairly discriminatory; actuarial justification and a 3-year rate history is requested with all rate filings.  
Rating organization filings 20 CSR 500-4.200(4) Insurers adopting loss costs filed by a rating organization must file Exhibit A, B & C  
Rebates 379.356 RSMo Prohibits rebating  

Loss Settlement Provisions
Review Requirements Reference Comments Location in Contract
(page and section #)
If Applicable
Acknowledging claims/settlement provisions 375.1000-1007 RSMo & 20CSR100-1.020-1.050 Misrepresentation of policy provisions, failure to acknowledge pertinent communications, standards for prompt investigation of claims, standards for prompt, fair and equitable settlement of claims.  
Arbitration 435.435 RSMo & Case Law—Standard Sec. Life Ins. Co. v. West 127 F.Sup.2d 1064 W.D. MO., 200 Arbitration statutes do not apply to insurance contracts  
Arbitration 20CSR500-1.600(1) Precludes insurers from issuing policies that contain compulsory arbitration provisions  
Intentional Acts 375.1312 RSMo Domestic violence, innocent coinsured statute  
Pre-judgement interest 408.040 RSMo Defines requirements on pre-judgement interest  
Statute of limitations 516.110 RSMo. 10 years  

Misc. related lines
Review Requirements Reference Comments Location in Contract
(page and section #)
If Applicable
GAP(Guaranteed Auto Protection) We will follow the OCC's opinion in that as long as the credit provider indemnifies the debt cancellation agreement, it will not be regulated as insurance. However, any policies purchased by the credit provider to cover its obligations are considered to be insurance and will be regulated as such.    
VSC (Vehicle Service Contracts) We consider anything other than the manufacturer or seller warranting its own product to be the business of insurance and regulate it as such.