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.┬áPayment 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 nonrenewing a line of business  

Forms
Review Requirements Reference Comments Location in Contract
(page and section #)
If Applicable
Application 375.936 RSMo Prohibits insurers from asking applicants if they have ever been cancelled or nonrenewed 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 insured shall receive a statement of claims history for the 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 insurer involuntarily loses reinsurance for the policy  
Cancellation/Nonrenewal – Reasons for 379.883(3) RSMo Insurer's actual reason to be sufficiently clean and specific. An assignment or transfer among affiliated insurers within a group is not considered a cancellation/nonrenewal  
Form filings – effective date 20CSR 500-4.100 Filings must be received by the Department within 10 days of the effective date  
Mandatory endorsement (name, address, phone) 375.924(1) RSMo Requires policies to provide the name, address and telephone number of the insurer  
Missouri Property & Casualty Guaranty Association 375.772 RSMo Requires policies to include a guaranty fund endorsement.  
Nonrenewal-Notice of 379.883 RSMo 60 days prior to the effective date of nonrenewal  

Loss Settlement Provisions
Review Requirements Reference Comments Location in Contract
(page and section #)
If Applicable
Acknowledging claims/settlement provisions 20 CSR 100-1.020-1.050 Misrepresentation of policy provisions, failure to acknowledge pertinent communications, standards for prompt investigation of claims, standards for prompt, fair and equitable settlement of claims  
Appraisal 20 CSR 500-1.100(4) Defines appraisal language  
Appraisal Case Law, Abercombie v. Allstate, 891 S.W.2d 838 Insurer cannot depreciate appraisal award  
Arbitration

20 CSR 500-1.600(1)

Precludes insurers from issuing policies that include compulsory arbitration provisions  
Arbitration 435.350 RSMo. Mandatory binding arbitration prohibited in contracts of insurance.  
Arbitration 435.435 RSMo Arbitration hearing to be held in county where adverse party resides or has a place of business  
Loss Settlement 375.1000-375.1007 RSMo Improper or unfair claims settlement practices definitions  
Statute of limitations 516.110 RSMo 10 year statute of limitation on contracts  

Rate
Review Requirements Reference Comments Location in Contract
(page and section #)
If Applicable
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  
Rating Organization Filings 20CSR500-4.200(4) Insurers adopting loss costs filed by a rating organization must file Exhibit A, B, & C  
Fees/installment fees 379.356 RSMo Incidental fees for premium installments, late payments, policy reinstatement, or other similar services specifically provided for by law or regulation are allowed  
Consent to Rate – (A Rate) 379.888(1)(1) RSMo Defines " A Rates " as being those individually determined based on judgement because neither a rate service organization nor the insurer has established a manual rates  
Consent to Rate – (A Rate) 20CSR500-4.300RSMo Sets out standards for using " Consent to Rate "  
Rates are to be filed 379.321 RSMo Rates are to be filed within 10 days of their effective date  
Premium notification 379.321(6)(2) RSMo Requires insurers to send a notice to the agent of record and insured 60 days prior to the expiration date of the policy when the premium is increased by 25% or more  
Rate making standards 379.318 RSMo Defines provisions governing rates  
Rebates 379.356 RSMo Prohibits rebating