General
Review requirements
Reference Comments
Location of contract (page and section no.) if applicable
Filing fees 374.230(6) RSMo $50/company/line of insurance  
  20 CSR 500-8.100 Describes the procedures for rates/rules/forms filings  
Transmittal document   For paper filings, submit a completed TD-1 form  


Form
Review requirements
Reference
Comments
Location in contract
(page and section no.)
if applicable
Acknowledging claims 20 CSR 100-1.020 & 20 CSR 100-1.050 Sets forth time frames for contacting claimants and also cannot deny coverage if a claim is not reported within a specific time period.  
10 years statute of limitations 516.110 RSMo Allows individuals 10 years to file suit.  
90 days' notice – company dropping entire line insurance 379.886 RSMo Requires companies to give 90 days' notice to MDI of canceling or nonrenewing a line of business.  
Appraisal 20 CSR 500-1.100 When the insured and company fail to agree on the ACV or the amount of a loss, then, on written demand of either, each shall select a competent appraiser.  
Arbitration held in county of insureds residence 435.435 RSMo Arbitration shall be held in the county where the adverse party resides or has a place of business.  
Cancellation/nonrenewal 379.883 RSMo Requires companies to give 60 days' notice and to state the actual reason.  
Claims handling 375.1000-375.1007 RSMo Sets forth standards for the investigation and disposition of claims.  
Claims made 20 CSR 500-1.800 Retroactive date not required at policy issue. However, once a retroactive date is established, it may not be changed after policy inception except as required or requested by the insured.  
Defense within limits Bulletin 98-04 Under Review Defense costs cannot reduce the limit of liability  
Forms filed with 10 days 379.321 RSMo & 20 CSR 500-4.100 Requires filing to be made 10 days after the effective date.  
Mandatory endorsements (name, address, phone) Bulletin 92-04 375.924 RSMo Company must provide its name, address and phone number for easy access by the insured.  
Missouri Property & Casualty Guaranty Association 375.772 RSMo Bulletin 92-08 Requires an endorsement to be attached to policies showing the limitations of coverage provided by the guaranty association.  
Prior cancel/nonrenewal 375.936 RSMo Company cannot ask if the insured has been canceled or nonrenewed.  


Rate
Review requirements
Reference
Comments
Location in contract
(page and section no.)
if applicable
Rate, rate plan and rate system
Companies cannot "A" rate a policy if rates have been established. Supporting actuarial data required to be filed.
 
Consent to rate – "A" rate 20 CSR 500-4.300 Form to be submitted when rates are different than what has been filed with MDI.  
Fees/installment fees 20 CSR 500-4.400 Repealed.  
Fees/installment fees – new law 379.356 RSMo Incidental fee is allowed and defined in this statute.  
Rate filings 20 CSR 500-4.100 Specifies how rate filings are to be made to MDI.  
Rates shall not be excessive, etc. 379.470 RSMo Rates shall not be excessive or inadequate, nor shall they be unfairly discriminatory.