reglab/housing_qa huggingface dataset:
MO Rev Stat § 379.085 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.085 - Mutual companies doing fire and marine business, agreements and securities — violation, penalty.

Effective - 01 Jul 1987   379.085. Mutual companies doing fire and marine business, agreements and securities — violation, penalty. — 1. No company formed upon the mutual plan for the purpose of doing the fire and marine business designated in the first of the three classes of insurance named in section 379.010 shall commence or continue to do business until it has a surplus or guaranty fund of one million six hundred thousand dollars and agreements have been entered into for insurance with at least two hundred applicants, the premiums on which shall amount to not less than one hundred thousand dollars which shall have been paid in cash. Annual cash premiums shall not exceed five hundred dollars each, and no policy shall be issued for a longer term than five years.  2. Except that any mutual company formed upon the mutual plan for the purpose of doing the fire and marine business designated in the first of the three classes of insurance named in section 379.010 and licensed to do business in this state on July 1, 1987, which did not maintain an aggregate amount of at least one million six hundred thousand dollars as a guaranty fund or policyholders' surplus on December 31, 1986, may renew its license for business specified therein if it annually maintains agreements with two hundred applicants, the premiums from which amount to not less than one hundred thousand dollars, and if it maintains an aggregate amount of not less than eight hundred thousand dollars as a guaranty fund or policyholders' surplus, if all other conditions have been met, until December 31, 1989, at which time the provisions of subsection 1 of this section shall be met.  3. Violation of any of the provisions of this section by an insurer is grounds for the revocation of its certificate of authority by the director. ­­-------- (RSMo 1939 § 5919, A.L. 1963 p. 485, A.L. 1977 S.B. 368, A.L. 1987 H.B. 700)  Prior revisions: 1929 § 5808; 1919 § 6218; 1909 § 7009  Effective 7-01-87  CROSS REFERENCE:  Substitution of securities, collection of income therefrom, 375.460
MO Rev Stat § 379.090 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.090 - Premium notes, how payable.

Effective - 28 Aug 1939   379.090. Premium notes, how payable. — 1. Every person who shall insure in such mutual company, whose premium is payable by note, shall, before he receives his policy, deposit with the company a note for such sum or sums of money as may be agreed upon for the premium, a part, not less than ten percent of which, shall be immediately paid in cash before the company shall be liable for any loss; and the remainder of said note shall be made payable at any time, and in part or the whole as the directors of said company may demand, upon an assessment to be made by them whenever they shall deem the same necessary, for the payment of losses, expenses and other liabilities of said company; said note, or such part thereof as shall remain unpaid at the expiration or termination of the policy, shall be given up to the maker of the same, provided all assessments upon such note and all liabilities of said maker to the company shall have been paid.  2. All buildings and other property, real and personal, insured by and with such company, together with all right, title and interest of the insured to the lands on which such buildings are situated, shall be pledged to such company, and the company shall have a lien thereon until the aforesaid note is fully paid; provided, that the maker of said note shall assent to such lien in writing upon the face of the same. ­­-------- (RSMo 1939 § 5920)  Prior revisions: 1929 § 5809; 1919 § 6219; 1909 § 7010
MO Rev Stat § 379.095 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.095 - Assessment of premium notes.

Effective - 28 Aug 1939   379.095. Assessment of premium notes. — 1. The board of directors of every mutual insurance company organized under the provisions of sections 379.010 to 379.160 shall have the power, as often as they shall deem it necessary in order to settle the losses insured against, and the expenses and other liabilities of the company, to make an assessment upon the premium notes given by persons effecting insurance of the company.  2. Such assessment shall be made upon each and every note held by the company at the time of the assessment, and which has been in existence for one year prior to the date of the assessment, and shall be for a sum upon each note which bears the same ratio to the whole amount to be raised by the assessment that the full sum for which such note was given bears to the full amount for which all the notes assessed were given.  3. The amount so assessed upon each note shall be due and payable within thirty days after the publication of a notice of such assessment, and after written notice of the same to the maker of such note has been deposited in the post office, postage prepaid, or delivered to him in person; and the amount of said assessment, when paid, shall in every case be endorsed upon said note at the time of the payment.  4. The publication of the above notice shall be made in some newspaper of general circulation, published in the county or city where said company shall have its principal office, and shall set forth the full aggregate amount for which all the premium notes held by the company were given, upon which the assessment is made, the amount of losses adjusted and unpaid, the amount of losses claimed but unadjusted, giving the names of claimants, the amount of expenses accrued and unpaid, and the amount of cash on hand.  5. If any person shall neglect or refuse to pay the sum so assessed upon him, for thirty days after the publication and mailing or delivery of said notices, the directors of said company may sue for and recover the whole amount of his premium note held by the company, with costs of suit.  6. No person shall, in any case, be liable upon any premium note on account of any and all claims and assessments upon the same for an amount greater than the face of such note. ­­-------- (RSMo 1939 § 5921)  Prior revisions: 1929 § 5810; 1919 § 6220; 1909 § 7011
MO Rev Stat § 379.098 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.098 - Securities to be deposited by all companies, kind and amount.

Effective - 28 Aug 1989   379.098. Securities to be deposited by all companies, kind and amount. — No existing insurance company organized under any general or special law of this state, and transacting business of the character designated in this chapter, or any company organized under this chapter, shall commence, continue, or carry on business until the company has transferred to and deposited with the director of the department of commerce and insurance, for the security of its policyholders and creditors, bonds or treasury notes issued or guaranteed by the United States, or bonds of the state of Missouri, or in bonds issued by any school district of the state of Missouri, or bonds of any political subdivision of this state, and in all cases not to be received at a rate above their par value, nor above their current market value, in the following amounts:  (1) If a stock company, the amount of the minimum capital required of a company to write the lines of business it proposes to or is transacting;  (2) If a mutual company or reciprocal or interinsurance exchange, an amount equal to the amount required to be deposited by a stock company transacting the same kinds of business; provided, however, the deposit required for a mutual company shall not exceed the amount of its policyholders' surplus as required by law. ­­-------- (L. 1967 p. 516, A.L. 1989 S.B. 250)
MO Rev Stat § 379.100 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.100 - Director to receive deposits.

Effective - 28 Aug 1939   379.100. Director to receive deposits. — The director of the department of commerce and insurance of the state shall receive the deposits and securities required by the provisions of sections 379.010 to 379.160 to be deposited with him, and shall furnish a certificate of such deposits to the company making the same. ­­-------- (RSMo 1939 § 5922)  Prior revisions: 1929 § 5811; 1919 § 6221; 1909 § 7012  CROSS REFERENCE:  Deposit of securities, how, where, collection of income therefrom, 375.460
MO Rev Stat § 379.102 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.102 - Unearned premium and loss reserves, maintained as liabilities.

Effective - 28 Aug 1989   379.102. Unearned premium and loss reserves, maintained as liabilities. — Each company shall maintain as liabilities unearned premium and loss reserves. ­­-------- (L. 1989 S.B. 250)
MO Rev Stat § 379.112 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.112 - Provisions of policy covered.

Effective - 28 Aug 1974   379.112. Provisions of policy covered. — The provisions of sections 379.110 to 379.120 shall apply to that portion of policies of automobile insurance providing bodily injury and property damage liability, comprehensive, and collision coverages and to the provisions therein, if any, relating to medical payments and uninsured motorists coverage, which takes effect subsequent to September 28, 1973. ­­-------- (L. 1973 H.B. 354 § 2, A.L. 1974 S.B. 572)
MO Rev Stat § 379.114 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.114 - Reasons for cancellation.

Effective - 28 Aug 1974   379.114. Reasons for cancellation. — 1. Except as provided in sections 379.110 to 379.120, no insurer shall exercise its right to cancel a policy except for the following reasons:  (1) Nonpayment of premium; or  (2) The driver's license of the named insured has been under suspension or revocation at any time during the policy period. Provided, however, in the event more than one person is named as insured and only one of the persons named has his driver's license suspended or revoked then such policy may not be cancelled, but the insurer may issue an exclusion providing, by name, that coverage will not be provided under the terms of the policy while such person is operating the insured vehicle during any period of suspension or revocation.  2. Renewal of a policy shall not constitute a waiver or estoppel with respect to grounds for cancellation which existed before the effective date of such renewal and which were unknown to the insurer at the time of such renewal.  3. No insurer shall cancel or refuse to write or refuse to renew a policy of automobile insurance on any person with at least two years' driving experience solely because of the age, residence, race, sex, color, creed, national origin, ancestry or lawful occupation, including the military service, of anyone who is or seeks to become insured or solely because another insurer has refused to write a policy, or has cancelled or has refused to renew an existing policy in which that person was the named insured, nor shall any insurance company or its agent or representative require any applicant, policyholder or operator to divulge in a written application or otherwise whether any insurer has cancelled or refused to renew or issue to the applicant, policyholder or operator a policy of automobile insurance; provided, however, nothing herein contained shall be construed so as to require any insurer which under its plan of operation insures a particular class of persons or customarily operates in a specific geographical territory to insure any person outside of the class or operate outside the geographical territory. ­­-------- (L. 1973 H.B. 354 § 3, A.L. 1974 S.B. 572)  (1977) This section does not prohibit a cancellation whose effective date would occur more than sixty-one days past the issuance of the policy so long as the cancellation was initiated during the initial sixty-day period. Hudson v. State Security Insurance Co. (A.), 555 S.W.2d 859.
MO Rev Stat § 379.116 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.116 - Refusal to insure or exclusion of named persons, when.

Effective - 28 Aug 1974   379.116. Refusal to insure or exclusion of named persons, when. — Any insurer may at any time refuse to write a policy of automobile insurance or may cancel or refuse to renew such a policy if the operator's or chauffeur's license of the applicant or named insured has been suspended or revoked. If the operator's or chauffeur's license of any member of a policyholder's household has been suspended or revoked, an insurer may issue an exclusion providing, by name, that coverage will not be provided under the terms of the policy while such person is operating the insured vehicle during any period of suspension or revocation. ­­-------- (L. 1973 H.B. 354 § 4, A.L. 1974 S.B. 572)
MO Rev Stat § 379.120 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.120 - Explanation of refusal to write a policy, how given, contents — exemption, when.

Effective - 28 Aug 2021, 2 histories   379.120. Explanation of refusal to write a policy, how given, contents — exemption, when. — 1. If any insurer refuses to write a policy of automobile insurance, it shall, within thirty days after such refusal, send a written explanation of such refusal to the applicant at his last known address. Notice shall be sent by United States Postal Service certified mail, certificate of mailing, first class mail using Intelligent Mail barcode (IMb), or another mail tracking method used, approved, or accepted by the United States Postal Service. The explanation shall state:  (1) The insurer's actual reason for refusing to write the policy, the statement of reason to be sufficiently clear and specific so that a person of average intelligence can identify the basis for the insurer's decision without further inquiry. Generalized terms such as "personal habits", "living conditions", "poor morals", or "violation or accident record" shall not suffice to meet the requirements of this subdivision;  (2) That the applicant may be eligible for insurance through the assigned risk plan if other insurance is not available.  2. An insurer shall be exempt from the requirements of subsection 1 of this section if the applicant is written on a policy of automobile insurance issued by an affiliate or subsidiary within the same insurance holding company system. ­­-------- (L. 1973 H.B. 354 § 6, A.L. 1974 S.B. 572, A.L. 1992 S.B. 831, A.L. 2015 H.B. 391, A.L. 2021 H.B. 604 merged with S.B. 6)
MO Rev Stat § 379.121 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.121 - Definitions.

Effective - 28 Aug 2001   379.121. Definitions. — As used in sections 379.121 to 379.125, the following words and terms shall mean:  (1) "Adverse underwriting decision", placement by an insurer or agent of a risk with a residual market mechanism, an unauthorized insurer or an insurer which specializes in substandard risks;  (2) "Insurer", any insurance company, association or exchange authorized to issue policies of automobile insurance in the state of Missouri;  (3) "Policy", an automobile 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. 2001 S.B. 151)  Transferred 2004; formerly 379.124
MO Rev Stat § 379.122 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.122 - Refusal to issue policy based on the lack of prior motor vehicle coverage prohibited, when — military member protections, notification required.

Effective - 28 Aug 2021, 2 histories   379.122. Refusal to issue policy based on the lack of prior motor vehicle coverage prohibited, when — military member protections, notification required. — 1. No insurer shall refuse to write a policy for an applicant or base an adverse underwriting decision, including but not limited to charging an increased premium, solely on the fact that the applicant has never purchased such a policy of motor vehicle insurance where the lack of motor vehicle insurance coverage is due to the applicant serving in the armed services and the applicant has not operated a motor vehicle in violation of any financial responsibility or compulsory insurance requirement within the past twelve months.  2. No insurer shall refuse to write a policy for an applicant or base an adverse underwriting decision, including but not limited to charging an increased premium, solely on the fact that the applicant has not owned or been covered by such a policy of motor vehicle insurance during any specified period immediately preceding the date of application where the lack of motor vehicle insurance coverage is due to the applicant serving in the armed services and the applicant has not operated a motor vehicle in violation of any financial responsibility or compulsory insurance requirement within the past twelve months. Nothing in this subsection shall prohibit an insurer from giving a discount for such an applicant that has been covered by a policy of insurance during such a specified period.  3. Nothing in this section shall prohibit an insurer from basing an adverse underwriting decision on an applicant's previous driving record where such record indicates that the applicant is a substandard risk.  4. In order to establish compliance with this section, an insurer may require any applicant claiming to meet the criteria of subsection 1 or 2 of this section to provide proof of eligibility in a manner as the insurer may prescribe.  5. The adjutant general shall ensure that members of the state military forces, as defined in section 40.005, receive notice of the protections provided under this section at such time as information regarding the Servicemembers Civil Relief Act, 50 U.S.C. 3901, et seq., is provided, or at such other times as the adjutant general deems appropriate. The notice shall specifically state that insurers are prohibited under this section from refusing to issue a policy of motor vehicle insurance, or from charging higher premiums, based solely on a lack of prior coverage where the lack of prior coverage was due to military service. The secretaries of the branches of the United States Armed Forces are hereby encouraged to likewise notify servicemembers under their jurisdictions of the protections provided under this section. ­­-------- (L. 2001 S.B. 151, A.L. 2021 S.B. 120)  Transferred 2004; formerly 379.126
MO Rev Stat § 379.123 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.123 - Violation deemed unfair trade practice.

Effective - 28 Aug 2001   379.123. Violation deemed unfair trade practice. — Violation of section 379.122 shall be 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. ­­-------- (L. 2001 S.B. 151)  Transferred 2004; formerly 379.127  *Section number "375.126" appears in original rolls.
MO Rev Stat § 379.205 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.205 - Mutual companies other than life and fire insurance.

Effective - 28 Aug 1939   379.205. Mutual companies other than life and fire insurance. — A number of persons, not less than twenty-five, a majority of whom shall be bona fide residents of this state, by complying with the provisions of sections 379.205 to 379.310, may become together with others who may hereafter be associated with them or their successors, a body corporate for the purpose of carrying on the business of mutual insurance as herein provided. ­­-------- (RSMo 1939 § 5950)  Prior revisions: 1929 § 5839; 1919 § 6249
MO Rev Stat § 379.210 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.210 - Articles of incorporation shall specify what.

Effective - 28 Aug 1939   379.210. Articles of incorporation shall specify what. — Any persons proposing to form any such company shall subscribe and acknowledge articles of incorporation specifying:  (1) The name, the purpose for which formed, and the location of its principal or home office, which shall be within this state;  (2) The names and addresses of those composing the board of directors in which the management shall be vested until the first meeting of the members;  (3) The names and places of residence of the incorporators. ­­-------- (RSMo 1939 § 5951)  Prior revisions: 1929 § 5840; 1919 § 6250
MO Rev Stat § 379.215 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.215 - Name must contain the word "mutual".

Effective - 28 Aug 1939   379.215. Name must contain the word "mutual". — No name shall be adopted by such company which does not contain the word "mutual" or which is so similar to any name already in use by any such existing corporation, company or association, organized or doing business in the United States, as to be confusing or misleading. ­­-------- (RSMo 1939 § 5952)  Prior revisions: 1929 § 5841; 1919 § 6251
MO Rev Stat § 379.220 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.220 - Submitted to director — proof of publication — certificate may be issued — amendment of articles.

Effective - 28 Aug 1939   379.220. Submitted to director — proof of publication — certificate may be issued — amendment of articles. — 1. Such articles shall be submitted to the director of the department of commerce and insurance, herein called "director".  2. Such publication shall be made as required by section 379.030, and upon proof of publication being made and approval of said articles by the attorney general as required by section 379.040, such articles shall be recorded by the director, who shall furnish a certified copy thereof to the incorporators and shall file a certified copy thereof with the secretary of state.  3. The secretary of state shall thereupon issue to the company a certificate of incorporation, which shall be its authority to begin business.  4. Such articles may be amended in the manner provided for other corporations or as may be provided in such articles. ­­-------- (RSMo 1939 § 5953)  Prior revisions: 1929 § 5842; 1919 § 6252