reglab/housing_qa huggingface dataset:
MO Rev Stat § 379.338 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.338 - Agreement to adhere prohibited, exception.

Effective - 28 Aug 1972   379.338. Agreement to adhere prohibited, exception. — Members and subscribers of rating or advisory organizations may use the rates, rating systems, underwriting rules or policy forms of such organizations, either consistently or intermittently, but, except as provided in sections 379.331 and 379.336, shall not agree with each other or rating organizations or others to adhere thereto. The fact that two or more admitted insurers, whether or not members or subscribers of a rating or advisory organization, use either consistently or intermittently, the rates or rating systems made or adopted by a rating organization, or the underwriting rules or policy forms prepared by a rating or advisory organization, shall not be sufficient in itself to support a finding that an agreement to so adhere exists, and may be used only for the purpose of supplementing or explaining direct evidence of the existence of any such agreement. ­­-------- (L. 1972 S.B. 547 § 11)
MO Rev Stat § 379.341 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.341 - Exchange of information approved.

Effective - 28 Aug 1972   379.341. Exchange of information approved. — Licensed rating organizations and admitted insurers are authorized to exchange information and experience data with rating organizations and insurers in this and other states and may consult with them with respect to ratemaking and the application of rating systems. ­­-------- (L. 1972 S.B. 547 § 12)
MO Rev Stat § 379.343 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.343 - Examinations by director, when, how conducted, cost how paid.

Effective - 28 Aug 1972   379.343. Examinations by director, when, how conducted, cost how paid. — 1. The director of the department of commerce and insurance may, at any time he may deem it advisable, examine any insurer writing any class of insurance which is subject to the provisions of section 379.017 and sections 379.316 to 379.361, any rating organization licensed under the provisions of section 379.323, any advisory organization referred to in section 379.326, and every group, association, or other organization referred to in section 379.328, and he shall at least once every four years make or cause to be made such examination.  2. The examination of an insurer may be made during the course of an examination pursuant to provisions of other laws of this state.  3. During the course of any examination provided for in this section the officers, managers, agents and employees of the insurer, rating organization, advisory organization, or group, association or other organization may be examined under oath and shall exhibit all books, records, accounts, documents, or agreements governing its method of operation as may be requested by the director.  4. The reasonable cost of any examination provided for in this section shall be paid by the insurer, rating organization, advisory organization or group, association, or other organization undergoing such examination.  5. No report of examination shall be made public until the organization examined has an opportunity to review the proposed report and to file its comments with reference thereto, after which the report and its comments shall be filed for public inspection and become admissible in evidence as a public record.  6. The director may accept the report of an examination made by the insurance supervisory official of another state in lieu of any examination provided for in this section. ­­-------- (L. 1972 S.B. 547 § 13)
MO Rev Stat § 379.346 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.346 - Examination, purpose of — hearing — order.

Effective - 28 Aug 1972   379.346. Examination, purpose of — hearing — order. — 1. The purpose of examination, as provided for in section 379.017 and sections 379.316 to 379.361, is to enable the director to ascertain whether there is compliance with the provisions of section 379.017 and sections 379.316 to 379.361.  2. If as a result of such examination the director finds that any rate, rating plan or rating system made or used by a rating organization or by an insurer does not meet the standards and provisions of section 379.017 and sections 379.316 to 379.361 applicable to it, or that a rating organization or an advisory organization or group, association or other organization referred to in section 379.017 and sections 379.316 to 379.361 is not in compliance with the provisions of section 379.017 and sections 379.316 to 379.361 applicable to it, the director shall hold a public hearing in connection therewith, provided, that within a reasonable period of time, which shall be not less than ten days before the date of such hearing, he shall mail written notice specifying the matters to be considered at such hearing to every person or organization believed by him not to be in compliance with the provisions of section 379.017 and sections 379.316 to 379.361.  3. If the director, after such hearing, for good cause finds that such rate, rating plan or rating system does not meet the provisions of section 379.017 and sections 379.316 to 379.361, he shall issue an order specifying in what respects any such rate, rating plan or rating system fails to meet the provisions of section 379.017 and sections 379.316 to 379.361 and stating when, within a reasonable period of time thereafter, the further use of such rate, rating plan or rating system by the rating organization or insurer which is the subject of the examination shall be prohibited and a copy of such order shall be sent to such rating organization or insurer; that a rating organization, an advisory organization, or any group, association or other organization mentioned in section 379.328, is not in compliance with the provisions of section 379.017 and sections 379.316 to 379.361, he shall issue a written order to such rating organization, specifying in what respect it is not complying with the provisions of section 379.017 and sections 379.316 to 379.361 and requiring compliance. ­­-------- (L. 1972 S.B. 547 § 14)
MO Rev Stat § 379.348 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.348 - Review of rate, rating plan or system, how obtained.

Effective - 28 Aug 1972   379.348. Review of rate, rating plan or system, how obtained. — Any individual, corporation, firm, partnership, association, or any similar entity or combination of the foregoing, aggrieved by any rate charged, rating plan, rating system, or underwriting rule followed or adopted by an insurer or rating organization may request the insurer or rating organization to review the manner in which the rate, plan, system, or rule has been applied with respect to insurance afforded him. Such request may be made by the authorized representative of such individual, corporation, firm, partnership, association, or any similar entity or combination of the foregoing, and shall be written. If the request is not granted within thirty days after it is made, the requestor may treat it as rejected. Any individual, corporation, firm, partnership, association, or any similar entity or combination of the foregoing, aggrieved by the action of an insurer or rating organization in refusing the review requested, or in failing or refusing to grant all or part of the relief requested, may file a written complaint and request for hearing with the director, specifying the grounds relied upon. If the director has information concerning a similar complaint he may deny the hearing. If he believes that probable cause for the complaint does not exist or that the complaint is not made in good faith he shall deny the hearing. Otherwise, and if he finds that the complaint charges a violation of section 379.017 and sections 379.316 to 379.361 and that the complainant would be aggrieved if the violation is proven, he shall proceed as provided in section 379.346. ­­-------- (L. 1972 S.B. 547 § 15)
MO Rev Stat § 379.351 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.351 - Approval by director of rules and plans, when — exchange of information with director — director may make rules and regulations.

Effective - 28 Aug 1972   379.351. Approval by director of rules and plans, when — exchange of information with director — director may make rules and regulations. — 1. The director shall approve reasonable rules and statistical plans, reasonably adapted to each of the rating systems on file with him, which may be modified from time to time and which shall be used thereafter by each insurer in the recording and reporting of its loss and countrywide expense experience, in order that the experience of all insurers may be made available at least annually. Such rules and plans may also provide for the recording and reporting of expense experience items which are specially applicable to this state and are not susceptible of determination by a prorating of countrywide expense experience. In approving such rules and plans, the director shall give due consideration to the rating systems on file with him and, in order that such rules and plans may be as uniform as is practicable among the several states, to the rules and to the form of the plans used for such rating systems in other states. No insurer shall be required to record or report its loss experience on a classification basis that is inconsistent with the rating system filed by it. The director may designate rating organizations or other agencies, or both, to assist him in gathering such experience and making compilations thereof, and such compilations shall be made available, subject to reasonable rules approved by the director, to insurers and advisory and rating organizations.  2. In order to further uniform administration of rate regulatory laws, the director and every insurer, rating organization, advisory organization or statistical agency may exchange information and experience data with insurance supervisory officials, insurers, rating organizations, advisory organizations or statistical agencies in this and other states, and may consult with them with respect to ratemaking and the application of rating systems.  3. The director may make reasonable rules and regulations necessary to effect the purposes of this section. ­­-------- (L. 1972 S.B. 547 § 16)
MO Rev Stat § 379.353 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.353 - Withholding of information or giving false or misleading information prohibited, penalty.

Effective - 28 Aug 1972   379.353. Withholding of information or giving false or misleading information prohibited, penalty. — No person or organization shall willfully withhold information from, or knowingly give false or misleading information to, the director or any statistical agency designated by the director. No person or organization shall knowingly give false or misleading information to any rating organization of which it is a member or subscriber or to any insurer with which it is engaged in joint underwriting activities which will affect the rates or premiums chargeable under section 379.017 and sections 379.316 to 379.361. A violation of this section shall subject the one guilty of such violation to the penalties provided in section 379.361. ­­-------- (L. 1972 S.B. 547 § 17)
MO Rev Stat § 379.356 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.356 - Excessive premiums and rebates prohibited.

Effective - 01 Jan 2003   379.356. Excessive premiums and rebates prohibited. — 1. No insurer or insurance producer shall knowingly charge, demand or receive a premium for any policy of insurance except in accordance with the provisions of section 379.017 and sections 379.316 to 379.361. No insurer or employee thereof, and no insurance producer shall pay, allow, or give, directly or indirectly, as an inducement to insurance, or after insurance has been effected, any rebate, discount, abatement, credit or reduction of the premium named in a policy of insurance, or any special favor or advantage in the dividends or other benefits to accrue thereon, or any valuable consideration or inducement whatever, not specified in the policy of insurance, except to the extent provided for in applicable filings. No insured named in any policy of insurance shall knowingly receive or accept, directly or indirectly, any rebate, discount, abatement, credit or reduction of premium, or any special favor or advantage or valuable consideration or inducement. Nothing in this section shall be construed as prohibiting the payment of, nor permitting the regulation of the payment of, commissions or other compensation to duly licensed insurance producers; nor as prohibiting, or permitting the regulation of, any insurer from allowing or returning to its participating policyholders or members, dividends or savings.  2. An insurer or insurance producer, agent or broker may charge additional incidental fees for premium installments, late payments, policy reinstatements, or other similar services specifically provided for by law or regulation. Such fees shall be disclosed to the applicant or insured in writing. ­­-------- (L. 1972 S.B. 547 § 18, A.L. 2001 S.B. 186 merged with S.B. 193)  Effective 1-01-03  CROSS REFERENCE:  Incidental fees, additional, may be charged, when, disclosure to insured, 375.052
MO Rev Stat § 379.359 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.359 - Commissions paid to brokers or agents not affected.

Effective - 28 Aug 1972   379.359. Commissions paid to brokers or agents not affected. — Nothing in section 379.017 and sections 379.316 to 379.361 abridges or restricts the freedom of contract of insurers, agents or brokers with reference to the amount of commission to be paid to agents or brokers by insurers, and such payments are expressly authorized. ­­-------- (L. 1972 S.B. 547 § 19)
MO Rev Stat § 379.361 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.361 - Violations, penalties.

Effective - 28 Aug 2007   379.361. Violations, penalties. — 1. If the director determines that any insurer or filing organization has engaged, is engaging in, or has taken a substantial step toward engaging in an act, practice or course of business constituting a violation of section 379.017 and sections 379.316 to 379.361 or a rule adopted or order issued pursuant thereto, or that a person has materially aided or is materially aiding an act, practice, omission, or course of business constituting a violation of section 379.017 and sections 379.316 to 379.361 or a rule adopted or order issued pursuant thereto, the director may issue such administrative orders as authorized under section 374.046. A violation of any of these sections is a level two violation under section 374.049. The practice of using a rate not in effect under section 379.321, if caused by a single act or omission by the insurer or filing organization, is a level two violation under section 374.049. Each act as part of a rating violation does not constitute a separate violation under section 374.049. The director may also suspend or revoke the license or certificate of authority of an insurer or filing company for any willful violation.  2. If the director believes that a person has engaged, is engaging in, or has taken a substantial step toward engaging in an act, practice or course of business constituting a violation of section 379.017 and sections 379.316 to 379.361 or a rule adopted or order issued pursuant thereto, or that a person has materially aided or is materially aiding an act, practice, omission, or course of business constituting a violation of section 379.017 and sections 379.316 to 379.361 or a rule adopted or order issued pursuant thereto, the director may maintain a civil action for relief authorized under section 374.048. A violation of any of these sections is a level two violation under section 374.049. The practice of using a rate not in effect under section 379.321, if caused by a single act or omission by the insurer or filing organization, is a level two violation under section 374.049. Each act as part of a rating violation does not constitute a separate violation under section 374.049. ­­-------- (L. 1972 S.B. 547 § 20, A.L. 2007 S.B. 66)
MO Rev Stat § 379.402 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.402 - Property and casualty insurance, free or discounted products or services permitted, when — rulemaking authority.

Effective - 28 Aug 2020   379.402. Property and casualty insurance, free or discounted products or services permitted, when — rulemaking authority. — 1. A producer or insurer, by or through its employees, affiliates, or authorized third parties, may offer or provide products or services in conjunction with a policy of property and casualty insurance for free, at a discount, or at market value, if such products or services are intended to:  (1) Prevent or mitigate loss to persons or property;  (2) Provide loss control;  (3) Reduce rates or claims;  (4) Educate about risk of loss to persons or property;  (5) Monitor or assess risk, identify sources of risk, or develop strategies for eliminating or reducing risks; or  (6) Provide post-loss services.  2. A producer or insurer may offer or provide gifts, goods, or merchandise that contain advertising or promotion of the producer or insurer to policyholders, prospective policyholders, or members of the public.  3. A product or service offered or provided as described under subsection 1 or 2 of this section shall not be considered an inducement to insurance, a rebate, or any other impermissible consideration as those terms are used in section 379.356 and subdivision (9) of section 375.936. The offer or provision of products or services described in subsection 1 or 2 of this section shall not be required in the contract or policy form filings.  4. The director may promulgate rules to exempt, but not restrict, additional categories of products or services under this section with regard to the provisions of section 379.356 and subdivision (9) of section 375.936 that prohibit insurers, employees of an insurer, affiliates, insurance producers, or other third parties from giving rebates, discounts, gifts, or other valuable consideration as an inducement to insurance. 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, 2020, shall be invalid and void. ­­-------- (L. 2020 S.B. 551)
MO Rev Stat § 379.404 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.404 - Commercial property and casualty insurance — rebates, discounts, gifts prohibitions not applicable, exception to exclusion.

Effective - 28 Aug 2020   379.404. Commercial property and casualty insurance — rebates, discounts, gifts prohibitions not applicable, exception to exclusion. — The provisions of section 379.356 and subdivision (9) of section 375.936 that prohibit a producer or insurer from giving rebates, discounts, gifts, or other valuable consideration as an inducement to insurance shall not apply to commercial property and casualty insurance. The exclusion provided under this section shall not apply to producer commission reductions not included in insurance company rate filings. ­­-------- (L. 2020 S.B. 551)
MO Rev Stat § 379.420 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.420 - Citation of law.

Effective - 28 Aug 1947   379.420. Citation of law. — Sections 379.420 to 379.510 may be referred to as "The Casualty and Surety Rate Regulatory Law". ­­-------- (L. 1947 V. II p. 254 § 12)
MO Rev Stat § 379.425 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.425 - Law applicable to certain classes of insurance — exceptions.

Effective - 28 Aug 2001   379.425. Law applicable to certain classes of insurance — exceptions. — 1. Sections 379.420 to 379.510 apply to casualty insurance, including fidelity, surety and guaranty bonds, and to all forms of motor vehicle insurance, on risks or operations in this state, except:  (1) Reinsurance, other than joint reinsurance to the extent stated in section 379.460 and subsection 2 of section 379.430;  (2) Insurance against workers' compensation liability;  (3) Accident and health insurance;  (4) Insurance against loss of or damage to aircraft, or against liability, other than employers' liability, arising out of the ownership, maintenance or use of aircraft.  2. Commercial casualty insurance policies shall be exempt from the provisions of sections 379.420 to 379.510 to the extent permitted pursuant to subsection 6 of section 379.321. ­­-------- (L. 1947 V. II p. 254 § 1, A.L. 1999 S.B. 386, A.L. 2001 S.B. 186)
MO Rev Stat § 379.430 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.430 - Insurers may act in concert with respect to rates.

Effective - 28 Aug 1947   379.430. Insurers may act in concert with respect to rates. — 1. Subject to the provisions of sections 379.420 to 379.510, two or more licensed insurers may act in concert with each other and with others with respect to any or all matters pertaining to the making of rates, rating plans or rating systems or the preparation or making of insurance policy or bond forms, underwriting rules, surveys, inspections and investigations or the furnishing of loss or expense statistics or other information and data, or carrying on of research.  2. Two or more insurers may act in concert in the making or use of rates when executing fidelity or surety bonds through cosurety or reinsurance, or when affiliated through common ownership, management or control. ­­-------- (L. 1947 V. II p. 254 § 3)
MO Rev Stat § 379.435 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.435 - Rating organization defined.

Effective - 28 Aug 1947   379.435. Rating organization defined. — Any corporation, unincorporated association, partnership, or individual, other than a licensed insurer, which has as its or his object or purpose the making of rates, rating plans, or rating systems shall be known as a "rating organization" and may, subject to the provisions of sections 379.420 to 379.510, conduct such operations in the state of Missouri. No insurer shall be deemed to be a rating organization. ­­-------- (L. 1947 V. II p. 254 § 3)