Filing Requirements
Review Requirements Reference Comments Location in Contract
(page and section #)
If Applicable
Applications 20CSR500-2.100(1) & 303.190(6)(4) RSMo. All applications for insurance are extensions of the contract and must be filed  
Filing Fees 374.230(6) RSMo $50/company/line of insurance/filing; one filing can contain rates, rules and forms for one company. We bill monthly in arrears  
Filing Procedures 20CSR500-8.100 Describes the procedures for rates/rules/forms filings  
Required Policy Reporting –Fines Assessed 303.026 RSMo. Insurers must report policy information once a month to the Dept. of Revenue  
Transmittal Document   For paper filings, submit a completed TD-1form  

Forms
Review Requirements Reference Comments Location in Contract
(page and section #)
If Applicable
Applications-Prior insurance inquiry 20CSR500-2.300 & 375.936 RSMo & Bulletin 94-04 Prohibits insurers asking applicants if they have ever been cancelled or nonrenewed by prior insurer  
Cancel/nonrenew/refusal to write—Mailing requirement 379.118 RSMo Notice of cancellation/nonrenewals must be mailed by certificate of mailing; notices or refusal to write must be mailed by certified mail or certificate of mailing  
Cancel/nonrenew/refusal to write—Notice of 379.118 RSMo & 379.120 RSMo Company must give 30 day notice  
Cancel/nonrenew/refusal to write—Reasons 379.118 RSMo & 379.120 RSMo Reasons for the cancellation/nonrenewal shall be clear and specific  
Cancel/nonrenew—Grounds for 379.114 RSMo Insurer may only cancel for nonpayment of premium or if drivers license is suspended or revoked  
Cancel/refuse to insure—Suspended license 379.116 RSMo Insurers are allowed to cancel or refuse to write those insureds/applicants with suspended or revoked licenses  
Driver Exclusions 303.190(3) RSMo Members of the insured's household may be excluded  
Exclusion allowed 379.116 RSMo Insurers may exclude drivers whose licenses have been suspended or revoked  
Form filings—effective date 20 CSR 500-4.100 Filings must be received by MDI within 10 days of the effective date  
Forms filings—deemer 375.920 RSMo Form filings are deemed approved when received, MDI has 60 days to review  
Geographical coverage 20 CSR 500-2.100(E) All policies must cover not less than the United States of America, its territories and possessions and Canada  
Insurance Identification cards 303.024 RSMo. Insurers are required to furnish ID cards to their insureds; statute explains what information must be contained on the ID cards, ID cards should be filed with our Department  
Insureds Driving in Canada Bulletin 97-06 Canada requires a PAU filing for all insurers that provide liability coverage to drivers entering into Canada  
Automobile Insurance Plan 20 CSR 500-2.300(6) & 379.118 RSMo When an insurer cancels/non-renews/refuses to write an auto policy they must give notice to the consumer of possible coverage through the Automobile Insurance Plan  
Mandatory Endorsement (name, address, phone) 375.924(1) RSMo. Requires policies to contain the name, address and telephone number of the insurer  
Medical payments coverage 20 CSR 500-2.100 Coverage may not be excess over any other coverage unless specifically provided for under policy and rated accordingly  
Minimum liability limit requirements 303.190(2)(2)RSMo BI $25,000/person, $50,000/accidentPD $10,000/acident  
Minimum policy term 303.175 RSMo. Personal auto liability policies are to be written for a minimum period of 3 months and the insurer must collect at least 1 month's premium up front  
Missouri Property & Casualty Guaranty Association 375.772 RSMo. Requires policy to contain the guaranty fund endorsement  
Motorcycle passenger liability Case law--American Standard Insurance Company v. Dolphin, 801 S.W.2d 413 (Mo. Banc 1990) Guest passenger liability mandatory  
Newly Acquired vehicles 20 CSR 500-2.100 &Case law—Magruder v. Shelter Insurance Company, 985 S.W.2d 869 Must give insured 30 days to report new vehicle and provide coverage unless insurer does not insure all owned vehicles  
Policy defined 20CSR500-2.300(3)(A) A policy shall be considered a 6-month period even if issued for less than 6 months. Any insurer who terminates the policy before this anniversary date is canceling the policy and must follow 379.110-120 RSMo.  
Refusal to Issue-Armed Services Personnel 379.121 RSMo Insurers cannot refuse to write or surcharge solely because an armed services applicant has no prior insurance  
Renewal Certificates 20CSR500-2.100(3) Must contain the original policy number, name of the insured, the and coverage afforded  
Renewal notices 379.118(2) RSMo. Must be sent at least 15 days prior to policy expiration  
SR-22 Filings—Premium 20CSR500-2.300(4)(B) Premiums charged for SR-22s shall be reasonable  
SR-26 Filings-Cancellations 303.210 RSMo & 20CSR500-2.300(4)(5) Requires an additional 10 days of coverage after the notice of cancellation is filed with the Department of Revenue  
Theft rental coverage 20 CSR 500-2.100 Minimum coverage requirement-- $10 day/$300 max.  

Uninsured/Under-Insured Motorist
Review Requirements Reference Comments Location in Contract
(page and section #)
If Applicable
Arbitration provisions 20 CSR 500-1.600 No forced arbitration is allowed in Uninsured Motorist coverage  
Government vehicles Case law—Martin v. State Farm Mutual Insurance Company, 755 S.W.2d 638 (Mo. Banc 1988) May not exclude under the 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 wc 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  
Uninsured Motorist coverage 379.203 RSMo. Mandatory with minimum Uninsured Motorist 25/50 limits  
Uninsured Motorist coverage exception 379.203 RSMo. Uninsured Motorist coverage must be provided on all motor vehicles except those employers who have a fleet of 5 or more, 8 + passenger commercial Vehicles –Uninsured Motorist coverage must only be offered for this exception  

Rate
Review Requirements Reference Comments Location in Contract
(page and section #)
If Applicable
Comp/Uninsured Motorist/Fire/Theft 20 CSR 500-2.700 Insurers may not surcharge the rates for these coverages due to accidents or violations  
Consent to rate (A-Rates) 20CSR500-4.300 Sets out standards for using Consent to Rate filings  
Fees 375.052 RSMo. & 379.356 RSMo. Incidental fees to premium installments, late payments, policy reinstatements or other similar services specifically provided for by law or regulation are allowed  
Misquote of premium Bulletin 87-08 & 87-09 Policies in effect less than 60 days may be re-rated at the correct amount, those in effect more than 60 days must continue coverage at quoted rate unless insured misrepresented information  
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 discriminatory; actuarial justification and a 3-year rate history is requested with all rate filings  
Rating organization filings 20CSR500-4.200(4) Insurers adopting to use loss costs filed by a rating organization must file Exhibit A, B & C  
Required filings 20CSR500-4.200(2) All rates, rating plans, manual rules, policies and forms shall be filed within ten (10) calendar days after their effective date  

Loss Settlement Provisions
Review Requirements Reference Comments Location in Contract
(page and section #)
If Applicable
Acknowledging claims/settlement provisions 375.1000 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 20CSR500-1.600(1) Precludes insurers from issuing policies that contain compulsory arbitration provisions  
Arbitration 435.350 RSMo Arbitration statutes do not apply to insurance contracts  
Intentional acts 375.1312 RSMo. Domestic violence, innocent coinsured statute  
Pre-judgement interest 408.040 RSMo. Defines requirements on pre-judgement interest  
Standards for Auto Claims 20 CSR 100-1.050(2) Explains about estimates, subrogation, after-market parts, depreciation  
Statute of Limitations 516.110 RSMo 10 years  
Underinsured Motorist claims 379.204 RSMo. Insurers may not reduce payments for this coverage if the limits are less than 50/100  

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