reglab/housing_qa huggingface dataset:
MO Rev Stat § 378.631 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 378 - Fraternal Benefit Societies|Section 378.631 - Foreign society, director may enjoin business, when.

Effective - 01 Jan 1993   378.631. Foreign society, director may enjoin business, when. — 1. When the director upon investigation finds that a foreign or alien society transacting or applying to transact business in this state:  (1) Has exceeded its powers;  (2) Has failed to comply with any of the provisions of this chapter;  (3) Is not fulfilling its contracts in good faith; or  (4) Is conducting its business fraudulently or in a manner hazardous to its members or creditors or the public, ­­the director shall notify the society of such deficiency or deficiencies and state in writing the reasons for his or her dissatisfaction. The director shall at once issue a written notice to the society requiring that the deficiency or deficiencies which exist are corrected. After such notice the society shall have a thirty-day period in which to comply with the director's request for correction, and if the society fails to comply, the director shall notify the society of such findings of noncompliance and require the society to show cause on a date named why its license should not be suspended, revoked or refused. If on such a date the society does not present good and sufficient reason why its authority to do business in this state should not be suspended, revoked or refused, the director may suspend or refuse the license of the society to do business in this state until satisfactory evidence is furnished to the director that such suspension or refusal should be withdrawn or the director may revoke the authority of the society to do business in this state.  2. Nothing contained in this section shall be taken or construed as preventing any such society from continuing in good faith all contracts made in this state during the time such society was legally authorized to transact business herein. ­­-------- (L. 1992 S.B. 831)  Effective 1-01-93
MO Rev Stat § 378.632 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 378 - Fraternal Benefit Societies|Section 378.632 - Injunction, who may file.

Effective - 01 Jan 1993   378.632. Injunction, who may file. — No application or petition for injunction against any domestic, foreign or alien society, or lodge thereof, shall be recognized in any court of this state unless made by the director. ­­-------- (L. 1992 S.B. 831)  Effective 1-01-93
MO Rev Stat § 378.633 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 378 - Fraternal Benefit Societies|Section 378.633 - Agents, licensing of — persons not deemed agents.

Effective - 28 Aug 2015   378.633. Agents, licensing of — persons not deemed agents. — 1. Agents of societies shall be licensed in accordance with the provisions of chapter 375 regulating the licensing, revocation, suspension or termination of license of resident and nonresident agents; provided, that no person who acted in the capacity as an agent of a licensed society for a period of at least six months immediately preceding October 13, 1969, shall be required to take an examination as provided for in chapter 375 as a condition for licensure as an insurance agent.  2. The following individuals shall not be deemed an agent of a fraternal benefit society within the provisions of subsection 1 of this section:  (1) Any regular salaried officer, employee or secretary of a licensed society or any subordinate lodge thereof, who devotes substantially all of his services to activities other than the solicitation of fraternal insurance contracts from the public, and who receives for the solicitation of such contracts no commission or other compensation directly dependent upon the amount of business obtained; or  (2) Any member representative of any society who devotes, or intends to devote, less than fifty percent of his or her time to the solicitation and procurement of insurance contracts for such society. Any person who in the preceding calendar year has solicited and procured life insurance contracts on behalf of any society in an amount of insurance in excess of fifty thousand dollars, or, in the case of any other kind or kinds of insurance which the society might write, on the persons of more than twenty-five individuals and who has received or will receive a commission or other compensation therefor, shall be presumed to be devoting, or intending to devote, fifty percent or more of his or her time to the solicitation or procurement of insurance contracts for such society. ­­-------- (L. 1992 S.B. 831, A.L. 2015 S.B. 392)
MO Rev Stat § 378.634 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 378 - Fraternal Benefit Societies|Section 378.634 - Unfair practices and frauds, subject to law — exception.

Effective - 01 Jan 1993   378.634. Unfair practices and frauds, subject to law — exception. — Every society authorized to do business in this state shall be subject to the sections of chapter 375 relating to unfair practices and frauds; provided, however, that nothing therein shall be construed as applying to or affecting the right of any society to determine its eligibility requirements for membership, or be construed as applying to or affecting the offering of benefits exclusively to members or persons eligible for membership in the society by a subsidiary corporation or affiliated organization of the society. ­­-------- (L. 1992 S.B. 831)  Effective 1-01-93
MO Rev Stat § 378.635 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 378 - Fraternal Benefit Societies|Section 378.635 - Service of process, director to be agent for.

Effective - 01 Jan 1993   378.635. Service of process, director to be agent for. — Every society authorized to do business in this state shall appoint the director to be its true and lawful attorney upon whom all lawful process in any action or proceeding against it shall be served, as provided in section 375.906. ­­-------- (L. 1992 S.B. 831)  Effective 1-01-93
MO Rev Stat § 378.638 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 378 - Fraternal Benefit Societies|Section 378.638 - Fraudulent acts, penalties.

Effective - 01 Jan 1993   378.638. Fraudulent acts, penalties. — 1. A person who shall knowingly make any false or fraudulent statement or representation in or relating to any application for membership, or for the purpose of obtaining money from or a benefit in any society, shall be guilty of a class A misdemeanor.  2. Any person who willfully makes a false or fraudulent statement in any verified report or declaration under oath required or authorized by this chapter, or of any material fact or thing contained in a sworn statement concerning the death or disability of an insured for the purpose of procuring payment of a benefit named in the certificate, shall be guilty of perjury and shall be subject to the penalties therefor prescribed by law.  3. Any person who knowingly solicits membership for, or in any manner assists in procuring membership in, any society not licensed to do business in this state, or who shall solicit membership for, or in any manner assist in procuring membership in any such society not authorized as provided in this chapter, shall be guilty of an infraction.  4. Any person guilty of a knowing violation of, or neglect or refusal to comply with, the provisions of this chapter for which a penalty is not otherwise prescribed shall be guilty of an infraction. ­­-------- (L. 1992 S.B. 831 § 378.636)  Effective 1-01-93
MO Rev Stat § 378.642 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 378 - Fraternal Benefit Societies|Section 378.642 - Severability clause.

Effective - 01 Jan 1993   378.642. Severability clause. — If any provision of this chapter or the application of such provision to any circumstance is held invalid, the remainder of the chapter, or the application of the provision to other circumstances, shall not be affected thereby. ­­-------- (L. 1992 S.B. 831 § 378.638)  Effective 1-01-93
MO Rev Stat § 378.645 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 378 - Fraternal Benefit Societies|Section 378.645 - Review of director's decisions, how.

Effective - 01 Jan 1993   378.645. Review of director's decisions, how. — All decisions and findings of the director made under the provisions of this chapter shall be subject to review by proper proceedings in any court of competent jurisdiction in this state. ­­-------- (L. 1992 S.B. 831 § 378.639)  Effective 1-01-93
MO Rev Stat § 379.005 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.005 - Definitions.

Effective - 28 Aug 2008   379.005. 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)
MO Rev Stat § 379.125 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.125 - Reinsurance.

Effective - 28 Aug 2016, 2 histories   379.125. Reinsurance. — Any company or association, other than life, organized under the provisions of chapter 379 may cause itself to be wholly or partially reinsured against any loss arising from any risk which it may have undertaken, and in like manner may reinsure or guarantee any other corporation doing the same kind of business as itself (including, for policies issued outside of the United States, insurance of life risks that are attached as riders to policies, provided that the aggregate premium assumed on an annual basis pursuant to such life risks does not exceed three percent of the capital and surplus of such company as of the thirty-first day of December of the preceding year), against loss arising from any risks that shall have been or may be undertaken by such corporation, or may join with any such corporation in any such risk, and may make and enter into all manner of contracts relating to such reinsurance and joint insurance, and the terms upon which the same shall be conducted; provided, however, any company reinsuring the whole of any single risk or risks the same being a substantial portion of all risks insured by the company shall be subject to the provisions of section 375.241*. ­­-------- (RSMo 1939 § 5927, A.L. 1967 p. 516, A.L. 2016 H.B. 2194) Prior revisions: 1929 § 5816; 1919 § 6226; 1909 § 7017   *Section 375.241 was repealed by H.B. 709, 1993. (1958) Where each of two insurance policies covering the same loss contained provision that when insured had other insurance, the insurance provided by the policy was excess insurance over the other insurance, such provisions are mutually repugnant and are to be disregarded. Arditi v. Mass. Bonding & Ins. Co. (Mo.), 315 S.W.2d 736.(Mo.), 357 S.W.2d 139. (1962) In garnishment proceeding by judgment creditor of insured against reinsurer of automobile liability policy, where superintendent of insurance as receiver of insolvent original insurer was a party and claimed money payable under reinsurance contract, held that under reinsurance contract indemnity against liability was provided and judgment creditor could recover from reinsurer as third party beneficiary. First National Bank of Kansas City v. Higgins (Mo.), 357 S.W.2d 139.
MO Rev Stat § 379.130 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.130 - Insurance claims, percentage of fault not to be assigned based solely on operation of a motorcycle.

Effective - 28 Aug 2009   379.130. Insurance claims, percentage of fault not to be assigned based solely on operation of a motorcycle. — 1. When investigating an accident or settling an automobile insurance policy claim, no insurer, agent, producer, or claims adjuster of an insurer shall assign a percentage of fault to a party based upon the sole fact that the party was operating a motorcycle in an otherwise legal manner.  2. A violation of this section shall be an unfair trade practice as defined by sections 375.930 to 375.948 and shall be subject to all of the provisions and penalties provided by such sections.  3. As used in this section, the term "insurer" shall mean any insurance company, association or exchange authorized to issue policies of automobile insurance in the state of Missouri. The term "automobile insurance policy" shall mean a policy providing automobile liability coverage, uninsured motorists coverage, automobile medical payments coverage or automobile physical damage coverage insuring a private passenger automobile owned by an individual or partnership. ­­-------- (L. 2009 H.B. 481)  CROSS REFERENCE:  Tort action, fault not to be based solely on operation of motorcycle, 537.055
MO Rev Stat § 379.140 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.140 - Total loss of real property — full amount of policy less any deductible to be paid — inapplicability, when — multiple policies, effect on recovery — commercial buildings, policy covering two or more, recovery amount.

Effective - 28 Aug 2021, 2 histories   379.140. Total loss of real property — full amount of policy less any deductible to be paid — inapplicability, when — multiple policies, effect on recovery — commercial buildings, policy covering two or more, recovery amount. — 1. When real property incurs a total loss caused by a peril covered under an insurance policy and such total loss is a covered loss under the insurance policy, then the liability of the insurance company writing the policy shall be the amount of money for which the real property was insured, less any deductible, as specified in the policy.  2. This section shall not apply to:  (1) Any partial loss;  (2) Any personal property that is not scheduled;  (3) Any detached or appurtenant structure;  (4) Any builder's risk policy;  (5) Any policy of mortgage insurance;  (6) Two or more buildings insured under a blanket basis or limit of insurance;  (7) Any loss in which the insured or one acting on the insured's behalf engaged in any fraudulent or criminal activity that contributed to the loss;  (8) Any loss to property if the insured increased the risk of loss insured against within sixty days of the date of the loss without the consent of the insurer and the increase in the risk of loss was a cause of the loss;  (9) Any replacement cost coverage provided for in a policy or by endorsement, except that this section shall not be construed to prohibit an insured from recovering any replacement cost coverage pursuant to the terms and conditions of a policy or endorsement; or  (10) Any loss that is covered by two or more policies.  3. If two or more policies provide coverage for a total loss of real property caused by a peril, then the insureds may recover the face amount of the policy with the highest limit of coverage, and each policy shall contribute to the payment of the loss in proportion to the amount of insurance mentioned in each policy.  4. For a total loss to a commercial building that is insured on a blanket basis for a stated amount that covers two or more commercial buildings, the settlement of the claim shall be based on the initial value assigned to each affected commercial building before the loss, with any balance remaining being settled according to the terms and conditions of the policy. ­­-------- (RSMo 1939 § 5930, A.L. 2021 H.B. 604)  Prior revisions: 1929 § 5819; 1919 § 6229; 1909 § 7020
MO Rev Stat § 379.150 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.150 - Partial loss by fire — standard fire insurance policy language, option for settlement of loss.

Effective - 28 Aug 2021, 2 histories   379.150. Partial loss by fire — standard fire insurance policy language, option for settlement of loss. — Any fire insurance policy issued or renewed on or after August 28, 2021, shall be construed to require that a partial loss caused by fire be adjusted in accordance with the following language which shall be considered part of the standard fire insurance policy for Missouri under the provisions of section 379.160: "It shall be optional with the company to settle the loss at the actual cash value or to repair, rebuild or replace the property destroyed or damaged with other of like kind or quality within a reasonable time, on giving notice of its intention within thirty days or after the receipt of the proof of loss herein required.". However, if any fire policy provides coverage for a partial loss caused by fire, in a policy form determined and approved by the director to be at least as favorable to the insured as the standard fire insurance policy for Missouri, then the insurer issuing the policy shall adjust the loss in accordance with the policy form. Notwithstanding any administrative rule to the contrary, nothing in this section shall be construed to create a general contractor relationship by the company to the insured. ­­-------- (RSMo 1939 § 5932, A.L. 2021 H.B. 604)  Prior revisions: 1929 § 5821; 1919 § 6231; 1909 § 7022  (2002) Section does not prohibit insurer from withholding depreciation from valid replacement cost claim. Dollard v. Depositors Insurance Company, 96 S.W.3d 885 (Mo.App.W.D.).
MO Rev Stat § 379.155 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.155 - Coinsurance provisions declared void — exception.

Effective - 28 Aug 1939   379.155. Coinsurance provisions declared void — exception. — No fire insurance policy which may be issued after this section takes effect shall contain any clause or provision requiring the assured to take out or maintain a larger amount of insurance than that covered by such policy, nor in any way providing that the assured shall be liable as coinsurer with the company issuing the policy for any part of the loss or damage which may be occasioned by fire or lightning to the property covered by such policy, nor making provisions for a reduction of such loss or damage, or any part thereof, by reason of the failure of the assured to take out and maintain other insurance upon said property. And all clauses and provisions in fire policies, issued after the taking effect of this section, in contravention of the prohibitions in this section contained, shall be ab initio void and of no effect; provided, that the provisions of this section shall not apply to policies issued upon personal property in cities which now contain or which may hereafter contain one hundred thousand inhabitants or more whenever the insured sign an agreement endorsed across the face of said policy to be exempt from the provisions thereof. ­­-------- (RSMo 1939 § 5933)  Prior revisions: 1929 § 5822; 1919 § 6232; 1909 § 7023
MO Rev Stat § 379.165 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.165 - Construction of warranties of fact made in application.

Effective - 28 Aug 1939   379.165. Construction of warranties of fact made in application. — The warranty of any fact or condition hereafter made by any person in his or her application for insurance against loss by fire, tornado or cyclone, which application, or any part thereof, shall thereafter be made a part of a policy of insurance, by being attached thereto, or by being referred to therein, or by being incorporated in such policy, shall, if not material to the risk insured against, be deemed, held and construed as representations only, in any suit brought at law or in equity in any of the courts of this state, upon such policy to enforce payment thereof, on account of loss of or damage to any property insured by such policy. ­­-------- (RSMo 1939 § 5934)  Prior revisions: 1929 § 5823; 1919 § 6233; 1909 § 7024
MO Rev Stat § 379.170 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.170 - Construction of warranties of fact incorporated in policy.

Effective - 28 Aug 1939   379.170. Construction of warranties of fact incorporated in policy. — The warranty of any fact or condition hereafter incorporated in or made a part of any fire, tornado or cyclone policy of insurance, purporting to be made or assented to by the assured which shall not materially affect the risk insured against, shall be deemed, taken and construed as representations only in all suits at law or in equity brought upon such policy in any of the courts of this state. ­­-------- (RSMo 1939 § 5935)  Prior revisions: 1929 § 5824; 1919 § 6234; 1909 § 7025
MO Rev Stat § 379.175 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.175 - Evasion of sections prohibited.

Effective - 28 Aug 1939   379.175. Evasion of sections prohibited. — No insurance company, corporation or association of persons doing a fire, cyclone or tornado insurance business in this state, shall have the right, power or authority, by contract or otherwise, to contract against or in any manner whatever evade the provisions of sections 379.165 and 379.170. ­­-------- (RSMo 1939 § 5936)  Prior revisions: 1929 § 5825; 1919 § 6235; 1909 § 7026
MO Rev Stat § 379.180 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.180 - Adjustments and examination of books to be made at place of loss.

Effective - 28 Aug 1939   379.180. Adjustments and examination of books to be made at place of loss. — All adjustments, arbitrations, settlements and examinations of books, invoices and accounts shall be had at the town, city or neighborhood where the fire occurs, unless some other place be agreed upon between the insurer and the assured after the loss shall have occurred without regard to any provision in the policy to the contrary. ­­-------- (RSMo 1939 § 5937)  Prior revisions: 1929 § 5826; 1919 § 6236; 1909 § 7027  (1960) The conviction of insured of arson in connection with the burning of the insured property held admissible in action to recover the amount of the policy instituted by the insured. Connecticut Fire Insurance Co. v. Ferrara, 277 F.2d 388; Cert. den., 364 U.S. 903, 81 S.Ct. 231.