reglab/housing_qa huggingface dataset:
MO Rev Stat § 379.1550 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.1550 - Rulemaking authority — effective date.

Effective - 01 Jan 2012   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 sections 379.1500 to 379.1550 shall become effective only if it complies with and is subject to all of the provisions of chapter 536 and, if applicable, section 536.028. Sections 379.1500 to 379.1550 and chapter 536 are nonseverable and if any of the powers vested with the general assembly pursuant to chapter 536 to review, to delay the effective date, or to disapprove and annul a rule are subsequently held unconstitutional, then the grant of rulemaking authority and any rule proposed or adopted after August 28, 2011, shall be invalid and void.  2. The provisions of sections 379.1500 to 379.1550 shall become effective January 1, 2012. ­­-------- (L. 2011 S.B. 132)  Effective 1-01-12
MO Rev Stat § 379.1700 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.1700 - Definitions.

Effective - 28 Aug 2016   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 with transportation network company drivers;  (2) "Personal vehicle", a vehicle that is used by a transportation network company driver and is:  (a) Owned, leased, or otherwise authorized for use by the transportation network company driver; and  (b) Not a taxicab, limousine, or for-hire vehicle under chapter 390;  (3) "Prearranged ride", the provision of transportation by a driver to a rider, beginning when a driver accepts a ride requested by a rider through a digital network controlled by a transportation network company, continuing while the driver transports a requesting rider, and ending when the last requesting rider departs from the personal vehicle. A prearranged ride shall not include shared expense carpool or vanpool arrangements or transportation provided using a taxi, limousine, or other for-hire vehicle under chapter 390;  (4) "Transportation network company", a corporation, partnership, sole proprietorship, or other entity that is licensed and operating in Missouri that uses a digital network to connect transportation network company riders to transportation network company drivers who provide prearranged rides. A transportation network company shall not be deemed to control, direct, or manage the personal vehicles or transportation network company drivers that connect to its digital network, except if agreed to by written contract;  (5) "Transportation network company driver" or "driver", an individual who:  (a) Receives connections to potential riders and related services from a transportation network company in exchange for payment of a fee to the transportation network company; and  (b) Uses a personal vehicle to offer or provide a prearranged ride to riders upon connection through a digital network controlled by a transportation network company in return for compensation or payment of a fee;  (6) "Transportation network company rider" or "rider", an individual or persons who use a transportation network company's digital network to connect with a transportation network driver who provides prearranged rides to the rider in the driver's personal vehicle between points chosen by the rider. ­­-------- (L. 2016 S.B. 947)
MO Rev Stat § 379.1704 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.1704 - Disclosure of insurance coverage, how made.

Effective - 28 Aug 2016   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 digital network:  (1) The insurance coverage, including the types of coverage and the limits for each coverage, that the transportation network company provides while the transportation network company driver uses a personal vehicle in connection with a transportation network company's digital network; and  (2) That the transportation network company driver's own automobile insurance policy might not provide any coverage while the driver is logged on to the transportation network company's digital network and is available to receive transportation requests or is engaged in a prearranged ride depending on the policy's terms. ­­-------- (L. 2016 S.B. 947)
MO Rev Stat § 379.1706 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.1706 - Disclosure statement — display.

Effective - 28 Aug 2016   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:   IF THE VEHICLE THAT YOU PLAN TO USE TO PROVIDE TRANSPORTATION NETWORK COMPANY SERVICES HAS A LIEN AGAINST IT, USING THE VEHICLE FOR TRANSPORTATION NETWORK COMPANY SERVICES MAY VIOLATE THE TERMS OF YOUR CONTRACT WITH THE LIENHOLDER.   IF A TRANSPORTATION NETWORK COMPANY'S INSURER MAKES A PAYMENT FOR A CLAIM COVERED UNDER COMPREHENSIVE COVERAGE OR COLLISION COVERAGE, THE TRANSPORTATION NETWORK COMPANY SHALL CAUSE ITS INSURER TO ISSUE THE PAYMENT DIRECTLY TO THE BUSINESS REPAIRING THE VEHICLE OR JOINTLY TO THE OWNER OF THE VEHICLE AND THE PRIMARY LIENHOLDER ON THE COVERED VEHICLE.   ­­The disclosure set forth in this section* shall be placed prominently in the prospective driver's written terms of service, and the prospective driver shall acknowledge the terms of service electronically or by signature. ­­-------- (L. 2016 S.B. 947)  *Word "subsection" appears in original rolls.
MO Rev Stat § 379.1803 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.1803 - Master policy issuance, certificates — content of master policy.

Effective - 01 Jan 2022   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 protection to which they are entitled.  2. No master policy or certificate of insurance shall be issued or delivered in this state unless the master policy form; together with all forms for riders, certificates, and endorsements to the master policy form; shall have met the applicable filing requirements in this state. No subsequent amendments to the master policy form or forms for riders, certificates, and endorsements to the master policy form shall be issued or delivered until they have met the applicable filing requirements in this state.  3. The master policy shall set forth the coverages, exclusions, and conditions of the insurance provided therein, together with the terms and conditions of the agreement between the policyholder and the insurer. The master policy shall make express provisions for the following:  (1) Methods of premium collection;  (2) Enrollment period, effective date provisions, and eligibility standards for employees or members;  (3) Termination of the master policy; and  (4) Conversion privileges of the employees or members.  4. If the master policy provides for remittance of premium by the policyholder, failure of the policyholder to remit premiums when due shall not be regarded as nonpayment of premium by the employee or member who has made his or her contribution on a timely basis. ­­-------- (L. 2021 H.B. 604 merged with S.B. 6)  Effective 1-01-22
MO Rev Stat § 379.1806 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.1806 - Basic package of coverages and limits, additional coverages or limits — reduced coverage, when — coverage terminated, when — optional coverages or limits — stacking prohibited.

Effective - 01 Jan 2022   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 available to all eligible employees or members. The package shall include at least the minimum coverages and limits of insurance as required by law in that employee's or member's state of residence or in the state where the subject property is located, if applicable. In addition, the master policy may provide additional coverages or limits to be available at an increased premium to employees or members who qualify under the terms of the master policy.  2. The master policy shall provide coverage for all eligible employees or members who elect coverage during their initial period of eligibility, which period shall not be less than thirty-one days. Employees or members who do not elect coverage during the initial period and later request coverage shall be subject to the insurer's underwriting standards.  3. Coverage under the master policy may be reduced only as to all members of a class, and shall never be reduced to a level below the limits required by applicable law.  4. Coverage under the master policy may be terminated as to an employee or member only for:  (1) Failure of the employee or member to make required premium contributions;  (2) Termination of the master policy in its entirety or as to the class to which the employee or member belongs;  (3) Discontinuance of the employee's or member's membership in a class eligible for coverage; or  (4) Termination of employment or membership.  5. If optional coverages or limits are available by law in an employee's or member's state of residence, the policyholder's acceptance or rejection of the optional coverages or limits on behalf of the group shall be binding on the employees or members. If the policyholder rejects any coverages or limits that are required by law to be provided unless rejected by the named insured, notice of the rejection shall be given to the employees or members at or before the time their certificates of coverage are delivered.  6. Stacking of coverages or limits among separate certificates of insurance is prohibited under a master policy of group personal lines property and casualty insurance; except that, if separate certificates under the same master policy are issued to relatives living in the same household, the state law pertaining to stacking of individual policies shall apply to those certificates. ­­-------- (L. 2021 H.B. 604 merged with S.B. 6)  Effective 1-01-22
MO Rev Stat § 379.1809 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.1809 - Rating plan, master policy premium — rates not unfairly discriminatory, when — experience refunds or dividends, when.

Effective - 01 Jan 2022   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 determination of the master policy premium have met the applicable filing requirements in this state.  2. Group insurance premium rates shall not be deemed unfairly discriminatory if adjusted to reflect past and prospective loss experience or group expense factors, or if averaged broadly among persons insured under the master policy. Nor shall such rates be deemed to be unfairly discriminatory if they do not reflect individual rating factors, including surcharges and discounts required for individual personal lines property and casualty insurance policies.  3. Experience refunds or dividends may be paid to the policyholder of a group personal lines property and casualty insurance policy if the insurer's experience under that policy justifies experience refunds or dividends. However, if an experience refund or dividend is declared, it shall be applied by the policyholder for the sole benefit of the insured employees or members to the extent that the experience refund or dividend exceeds the policyholder's contribution to premium for the period covered by such experience refund or dividend. ­­-------- (L. 2021 H.B. 604 merged with S.B. 6)  Effective 1-01-22
MO Rev Stat § 379.1812 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.1812 - Loss and expense experience statistics — employee purchase of insurance not required — premium taxes, allocation of premiums.

Effective - 01 Jan 2022   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 expense experience pertinent thereto.  2. No insurer shall issue or deliver a group personal lines property and casualty insurance policy if it is a condition of employment or of membership in a group that any employee or member purchase insurance pursuant to the policy, or if any employee or member shall be subject to any penalty by reason of his or her nonparticipation.  3. (1) No insurer shall issue or deliver a group personal lines property and casualty insurance policy if:  (a) The purchase of insurance available under the policy is contingent upon the purchase of any other insurance, product, or service; or  (b) The purchase or price of any other insurance, product, or service is contingent upon the purchase of insurance available under the group personal lines property and casualty insurance policy.  (2) Subdivision (1) of this subsection shall not be deemed to prohibit the reasonable requirement of safety devices, such as heat detectors, lightning rods, theft prevention equipment and the like. Neither shall subdivision (1) of this subsection be deemed to prohibit the marketing of package or combination policies.  4. The insurer's experience from its group personal lines property and casualty insurance policies shall be included in the determination of the insurer's participation in the applicable residual market plans.  5. For purposes of premium taxes, the insurer shall allocate premiums in accordance with the rules applicable to individual personal lines property and casualty insurance policies, except that any required allocation may be based on an annual survey of insureds. Premiums shall be apportioned among states without differentiation between policyholder or employee or member contributions. ­­-------- (L. 2021 H.B. 604 merged with S.B. 6)  Effective 1-01-22
MO Rev Stat § 379.1815 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.1815 - Licensure required for agent or broker of policies — exception for certain activities — countersignature requirements prohibited.

Effective - 01 Jan 2022   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 personal lines property and casualty insurance policy unless the person is duly licensed under sections 375.012 to 375.146 as an insurance producer for the applicable lines of insurance. However, none of the following activities engaged in by the insurer or its employees, or the policyholder or its employees, shall require the licensing of such entities or persons as insurance producers:  (1) Endorsement or recommendation of the master policy to employees or members;  (2) Distribution to employees or members, by mail or otherwise, of information pertaining to the master policy;  (3) Collection of contributions toward premium through payroll deductions or other appropriate means, and remittance of the premium to an insurer; or  (4) Receipt of reimbursement from an insurer for actual, reasonable expenses incurred for administrative services that and which would otherwise be performed by the insurer with respect to the master policy. However, nothing herein shall supersede any applicable law or regulation that prohibits or regulates splitting of commissions with unlicensed persons, or rebating commissions or premiums.  2. No countersignature requirements shall apply to a group personal lines property and casualty insurance policy that is issued or delivered in this state pursuant to the provisions of sections 379.1800 to 379.1824. ­­-------- (L. 2021 H.B. 604 merged with S.B. 6)  Effective 1-01-22
MO Rev Stat § 379.1818 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.1818 - Notice of termination, contents — conversion to individual policy, when — inapplicability.

Effective - 01 Jan 2022   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 premiums or at the request of the employee or member, shall receive from the insurer thirty days' prior written notice of termination or ineligibility. The notice shall state the reasons for discontinuance of coverage under the master policy, and shall explain the employee's or member's options for conversion to an individual policy.  2. If, within thirty days after receipt of notice of termination or ineligibility, application is made and the first premium is paid to the insurer, the employee or member shall be entitled to have issued to him or her by the insurer, or an affiliate within the same group of insurers, an individual policy, effective upon termination or ineligibility, with coverages and limits at least equal to the minimum coverages and limits of insurance as required by the applicable state law.  3. No individual notice of termination as provided in subsection 1 of this section and no conversion privilege as provided in subsection 2 of this section shall be required if the master policy is replaced by another master policy within thirty days. Coverage under the prior master policy shall terminate when the replacement master policy becomes effective. ­­-------- (L. 2021 H.B. 604 merged with S.B. 6)  Effective 1-01-22
MO Rev Stat § 379.1821 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.1821 - Licensure required for issuance of policies — inapplicability to mass marketing and certain policies — rulemaking authority.

Effective - 01 Jan 2022   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 duly licensed in this state to write the lines of insurance covered by the master policy or is an eligible nonadmitted insurer pursuant to section 384.021.  2. The provisions of sections 379.1800 to 379.1824 shall not apply to the mass marketing or any other type of marketing of individual personal lines property and casualty insurance policies.  3. Sections 379.1800 to 379.1824 shall not apply to policies of credit property or credit casualty insurance that and which insure the debtors of a creditor or creditors with respect to their indebtedness.  4. Sections 379.1800 to 379.1824 shall not apply to policies of personal automobile insurance or personal motor vehicle liability insurance, nor shall such sections be construed as authorizing the sale or issuance of personal automobile insurance or personal motor vehicle liability insurance under a group or master policy within this state.  5. Sections 379.1800 to 379.1812 shall not apply to policies issued by a nonadmitted insurer pursuant to chapter 384.  6. Nothing in sections 379.1800 to 379.1824 shall limit the authority of the director with respect to complaints or disputes involving residents of this state arising out of a master policy that has been issued or delivered in another state.  7. The director may promulgate rules as necessary to implement and administer the provisions of sections 379.1800 to 379.1824. Any rule or portion of a rule, as that term is defined in section 536.010, that is created under the authority delegated in this section shall become effective only if it complies with and is subject to all of the provisions of chapter 536 and, if applicable, section 536.028. This section and chapter 536 are nonseverable and if any of the powers vested with the general assembly pursuant to chapter 536 to review, to delay the effective date, or to disapprove and annul a rule are subsequently held unconstitutional, then the grant of rulemaking authority and any rule proposed or adopted after August 28, 2021, shall be invalid and void. ­­-------- (L. 2021 H.B. 604 merged with S.B. 6)  Effective 1-01-22
MO Rev Stat § 379.1824 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.1824 - Effective date.

Effective - 01 Jan 2022   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 sections 379.1800 to 379.1824. A master policy or certificate that is lawfully in effect on January 1, 2022, shall comply with the provisions of sections 379.1800 to 379.1824 within twelve months of such date. ­­-------- (L. 2021 H.B. 604 merged with S.B. 6)  Effective 1-01-22
MO Rev Stat § 380.005 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 380 - County, Town and Farmers' Mutual Property Insurance Companies|Section 380.005 - Definitions.

Effective - 28 Aug 2008   380.005. Definitions. — As used in this chapter, unless otherwise clearly indicated by the context, the following words mean:  (1) "Department", the department of commerce and insurance; and  (2) "Director", the director of the department of commerce and insurance. ­­-------- (L. 2008 S.B. 788)