Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 10 - General Administration › Chapter 1 - Organization › Section 20 CSR 10-1.010 - General Organization

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This rule reflects the current organization
				  of the Department of Commerce and Insurance.
(1) The Department of Commerce and Insurance
				("department") is organized with seven (7) divisions: Consumer Affairs
				Division, Insurance Company Regulation Division, Insurance Market Regulation
				Division, Division of Finance, Division of Credit Unions, Division of
				Professional Registration and Administration Division.
(2) Director's Office. The director is
				responsible for the oversight of the department and serves as the insurance
				commissioner in the National Association of Insurance Commissioners (NAIC). The
				director may appoint a deputy director and may delegate various administrative
				responsibilities to the deputy director. The administrative responsibilities of
				the director may also be delegated to the Administration Division. The director
				may appoint a general counsel, who manages attorneys who may serve in the
				general counsel's office or legal section, or may be assigned on a full-time
				basis to a particular division. The general counsel and the department's
				attorneys are available for daily consultation with the director and other
				employees. The general counsel or attorneys assist and advise the director,
				division directors, and other employees in the interpretation and enforcement
				of the insurance laws, represent the director in court appearances or in
				hearings before the Administrative Hearing Commission concerning the discipline
				or disqualification of licensed individuals, and represent the director or
				division directors in administrative, regulatory, or enforcement actions before
				the director.
(3) Divisions. The
				director administers the regulatory responsibility of the Consumer Affairs
				Division, the Insurance Company Regulation Division, and the Insurance Market
				Regulation Division, but has delegated some statutory powers and functions to
				division directors of those three (3) divisions. The Division of Finance, the
				Division of Credit Unions and the Division of Professional Registration are
				state agencies assigned to the department by Type III transfer, and maintain
				statutory autonomy. All seven (7) divisions are managed by division directors:
(A) Director of Consumer Affairs. Insurance
				complaints or inquiries about policy coverage, unpaid claims, refusals of
				insurance, the meaning of policy language and any other questions or complaints
				arising from the treatment of the consumer by an insurance company or insurance
				producer should be directed to the Consumer Affairs Division. A toll-free
				insurance consumer hotline is also maintained by the division: (800) 726-7390.
				The director of consumer affairs manages the following regulatory functions:
1. Consumer services. The consumer services
				section receives and investigates complaints and inquiries relating to
				insurance companies authorized to do business by the Insurance Company
				Regulation Division; and
2.
				Investigations. The investigations section investigates complaints against
				licensed insurance producers, bail bond agents, public adjusters and other
				licensees and persons;