reglab/statecodes huggingface dataset:
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 400 - Life, Annuities and Health › Chapter 11 - Navigators › Section 20 CSR 400-11.120 - Behavioral Health Services Program Documentation

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This rule establishes the continuing education
				  requirements for individual navigators. All forms referenced in this regulation
				  may be accessed at the department's website at
www.insurance.mo.gov
.
(1) As used in this rule, the following terms
				shall mean:
(A) Approved course-an educational
				presentation offered in a class, seminar, self-study or other form of
				instruction regarding navigator roles and responsibilities, Missouri law,
				ethics, and the health insurance exchange operating in this state;
(B) Navigator Continuing Education
				Certificate of Course Completion-The form which is included herein as Exhibit 1
				of this rule revised September 20, 2013, or any form which substantially
				comports with the specified form, completed by the authorized provider of an
				approved course which signifies satisfactory completion of the course and
				reflects the hours of credit earned;
(C) Navigator Continuing Education
				Certification Summary-The form which is included herein as Exhibit 2 of this
				rule revised September 20, 2013, or any form which substantially comports with
				the specified form, completed by the licensee which documents compliance with
				the continuing education requirements in section
				376.2006,
				RSMo;
(D) Navigator Continuing
				Education Provider Application for Course Approval- The form which is included
				herein as Exhibit 3 of this rule revised September 20, 2013, or any form which
				substantially comports with the specified form, completed by the course
				provider which requests approval of a continuing education course;
(E) Credit hour-Fifty (50) minutes of
				uninterrupted instruction pertaining to an approved course. Partial hours of
				credit are not allowed. Credit hours earned through self-study will be
				determined by the following method:
1.
				Printed material-Page count of fifteen (15) pages will equal one (1) credit
				hour;
2. Computer-based or Internet
				courses will be calculated as: three (3) screens (750 words) will equal one (1)
				printed page and forty-five (45) screens will equal one (1) credit
				hour;
(F) Director-The
				director of the Department of Insurance, Financial Institutions and
				Professional Registration or his/her designee; and
(G) Licensee-An individual who is licensed by
				the department as a navigator.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 400 - Life, Annuities and Health › Chapter 11 - Navigators › Section 20 CSR 400-11.140 - Renewal Applications and Fees-Individual Navigators and Entity Navigators

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This rule prescribes the license renewal
				  application process and fees for individual navigators and entity navigators.
				  All forms referenced in this regulation may be accessed at the department's
				  website at
www.insurance.mo.gov
.
(1) Renewal Application and Fees. Application
				for renewal of a navigator license shall include the following, as applicable:
(A) Individual Navigator.
1. A completed renewal application form,
				which is included herein as Exhibit 1 of this rule, or any form which
				substantially comports with the specified form;
2. Twenty-five dollar ($25) application fee.
				If the renewal application is not received before the license expires, a late
				fee of ten dollars ($10) must be added to the application fee; and
3. A completed Navigator Continuing Education
				Certification Summary form referenced in 20 CSR 400-11.120(1)(C); or
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 400 - Life, Annuities and Health › Chapter 12 - Missouri Health Insurance Pool › Section 20 CSR 400-12.100 - Missouri Health Insurance Pool Transitional Plan of Operations

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This rule prescribes the transitional plan
				  of operations for the Missouri Health Insurance Pool.
(1) The Missouri Health Insurance Pool has
				developed and adopted amendments to the plan of operation to allow for the
				transition of individuals covered under the pool to alternative health
				insurance coverage as it is available on or after January 1, 2014.
(2) Such amendments to the plan of operations
				include but are not limited to the following provisions:
(A) A detailed plan outlining the winding
				down of operations of the pool. Such plan shall be updated quarterly, until
				such time as the plan is dissolved. It may include, but is not limited to,
				provisions to ensure written notice will be provided to each enrollee prior to
				November 15, 2013, provisions for using non-written forms of communication to
				conduct outreach activities to current enrollees, notice to providers about the
				changes in the plan, and notice to third party payers of premiums for enrollees
				that the enrollee's coverage under the plan will terminate on December 31,
				2013;
(B) A plan for completing
				review and making final determinations of all grievances submitted to the
				board;
(C) Provisions for
				scheduling an audit for 2013 and a final audit for 2014;
(D) A plan for terminating all administrative
				contracts, as appropriate;
(E)
				Preparation of final grant fund reporting requirements;
(F) Preparation of all required tax
				documents;
(G) Procedures for
				closing of accounts and providing proper notification of all necessary entities
				of the close of operations;
(H)
				Procedures for the transfer of records to the Department of Insurance,
				Financial Institutions and Professional Registration upon filing of dissolution
				with the secretary of state; and
(I) Procedures for the transfer of any
				remaining funds to the state general revenue fund.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 400 - Life, Annuities and Health › Chapter 13 - Health Insurance Rates › Section 20 CSR 400-13.100 - Health Insurance Rates

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This rule prescribes the form and content of
				  the rate information required to be submitted to the Missouri Department of
				  Commerce and Insurance and sets forth the standards of review applicable to
				  such filings.
(1) Scope. This
				rule is applicable to rates for health benefit plans that are subject to
				section 376.465.7, RSMo.
(2)
				Definitions. As used in this rule, the following terms mean:
(A) "Director," means the Director of the
				Department of Commerce and Insurance or the director's designee;
(B) "Health benefit plan," means those health
				benefit plans described under section 376.465.7, RSMo, and shall include
				student health plans;
(C) "Rate,"
				means the amount of money a health carrier charges as a condition of providing
				coverage under a health benefit plan;
(D) "Rate filing," means a submission through
				SERFF that contains rates and rate filing justifications as well as other
				documents required by this rule and that assist the director in making
				determinations consistent with
				45 CFR
				154.215 and section 376.465, RSMo;
(E) "Rate filing justification," means
				actuarial data and other related information provided by a health carrier that
				supports the use of the proposed rate;
(F) "Student health plan," means a type of
				health coverage maintained pursuant to an agreement between an institution of
				higher education and a health carrier under which coverage is provided in
				connection with enrollment as a student at that institution of higher
				education, regardless of how the coverage is underwritten or issued;
(G) "System for Electronic Rate and Form
				Filing" or "SERFF," means the web-based interface system used for the
				submission of rate filings and form filings.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 400 - Life, Annuities and Health › Chapter 13 - Health Insurance Rates › Section 20 CSR 400-13.100 - Health Insurance Rates

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: The purpose of this amendment is to require
				  that an actuarial value and cost-sharing factor spreadsheet, which must contain
				  certain information, be included in proposed rates and rate filings for health
				  benefit plans. This amendment would also require a cost-sharing adjustment
				  factor for individual silver plans sold on the exchange and would prohibit a
				  cost-sharing reduction adjustment factor from being applied to any plans other
				  than silver plans sold on the exchange.
(1) Scope. This rule is applicable to rates
				for health benefit plans that are subject to section 376.465.7, RSMo.
(2) Definitions. As used in this rule, the
				following terms mean:
(A) "Director," means
				the Director of the Department of Commerce and Insurance or the director's
				designee;
(B) "Health benefit
				plan," means those health benefit plans described under section 376.465.7,
				RSMo, and shall include student health plans;
(C) "Rate," means the amount of money a
				health carrier charges as a condition of providing coverage under a health
				benefit plan;
(D) "Rate filing,"
				means a submission through SERFF that contains rates and rate filing
				justifications as well as other documents required by this rule and that assist
				the director in making determinations consistent with  45 CFR 154.215 and section 376.465, RSMo;
(E) "Rate
				filing justification," means actuarial data and other related information
				provided by a health carrier that supports the use of the proposed rate;
(F) "Student health plan," means a
				type of health coverage maintained pursuant to an agreement between an
				institution of higher education and a health carrier under which coverage is
				provided in connection with enrollment as a student at that institution of
				higher education, regardless of how the coverage is underwritten or issued;
(G) "System for Electronic Rate
				and Form Filing" or "SERFF," means the web-based interface system used for the
				submission of rate filings and form filings.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 400 - Life, Annuities and Health › Chapter 14 - External Arbitration › Section 20 CSR 400-14.100 - External Arbitration

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This rule outlines the procedures by which
				  the department will ensure access to binding arbitration when there is a
				  dispute related to a claim for unanticipated out-of-network care and outlines
				  the criteria for approved arbitrators. This rule is promulgated pursuant to
				  sections
				  374.045
				  and 376.690, RSMo.
(1) When a health carrier or a health care
				professional provides written notification to the director and the other party
				of its intent to initiate arbitration proceedings pursuant to section
				376.690.2(5), RSMo, the health carrier or health care professional shall
				provide the following information to the director:
(A) The name and contact information for the
				health carrier;
(B) The name and
				contact information for the out-of-network health care professional;
(C) The billed amount charged by the
				out-of-network health care professional for the service that is the subject of
				the dispute;
(D) The amount of the
				final offer made by each party, and the date the final offer was
				made;
(E) An attestation affirming
				that the information provided by the health carrier or health care professional
				is true and accurate; and
(F) Any
				additional information requested by the director.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 500 - Property and Casualty › Chapter 1 - Property and Casualty Insurance in General › Section 20 CSR 500-1.100 - Standard Fire Policies

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: The purpose of this amendment is to provide
				  contact information to insureds who receive a notice of cancellation,
				  nonrenewal, reduction in amount, or adverse modification.
(1) Policy Form Requirements.
(A) The standard fire insurance policy for
				use by any insuring organization in Missouri is declared to be the 1943
				"Standard Fire Insurance Policy of the State of New York," which is
				incorporated herein by reference with those changes expressed in this
				regulation, having been so declared for use in Missouri effective July 1, 1944,
				with subsequent modification as approved in writing by the director. Any such
				policy must be clearly designated the "Standard Fire Insurance Policy for
				Missouri," although any other state or territory in which this form is standard
				may be listed before or after the word "Missouri" in this
				designation.
(B) In order to
				encourage readability in insurance policy forms, the director may approve fire
				insurance policy forms other than the standard fire insurance policy which
				otherwise meet all requirements of law and are at least as favorable to the
				insured as the standard fire insurance policy.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 500 - Property and Casualty › Chapter 1 - Property and Casualty Insurance in General › Section 20 CSR 500-1.150 - Mandatory Disclosure of Excluded Coverages in General

Current through Register Vol. 49, No. 14, July 15, 2024
On January 31, 1995, a preliminary injunction enjoining the
					 Missouri Department of Insurance from implementing the Order of Rulemaking
					 printed in the September 30, 1994 Code of State Regulations or taking any
					 action authorized under the rule was issued in the Circuit Court of Cole
					 County.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 500 - Property and Casualty › Chapter 1 - Property and Casualty Insurance in General › Section 20 CSR 500-1.200 - Marine, Inland Marine, Definition With Scope of Coverage

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This amendment fixes a typographical error
				  in a statutory citation in the purpose section
PURPOSE: This regulation adopts and sets forth the
				  1976 Revision of the National Association of Insurance Commissioners'
				  Nationwide Marine Definition with certain changes for Missouri use. Future
				  interpretations will be made public by order or other notice. This regulation
				  was adopted pursuant to the provisions of section
				  374.045,
				  RSMo and implements section 379.316.2, RSMo.
(1) Marine, transportation policies or both
				may cover under the following conditions:
(A)
				Imports may be covered wherever the property exists and without restriction as
				to time, provided the coverage of the issuing companies includes hazards of
				transportation. An import as a proper subject of marine or transportation
				insurance shall be deemed to maintain its character as such, so long as the
				property remains segregated in a way that it can be identified and has not
				become incorporated and mixed with the general mass of property in the United
				States and shall be deemed to have been completed when that property has been-
1. Sold and delivered by the importer, factor
				or consignee;
2. Removed from place
				of storage and placed on sale as part of importer's stock in trade at a point
				of sale-distribution; or
3.
				Delivered for manufacture, processing or change in form to premises of the
				importer or of another used for any of these purposes;
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 500 - Property and Casualty › Chapter 1 - Property and Casualty Insurance in General › Section 20 CSR 500-1.210 - Commercial Inland Marine Insurance

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This rule defines the term "commercial
				  inland marine insurance" as used in section
				  379.321,
				  RSMo.
(1) For purposes of
				this rule, the term "commercial inland marine insurance" shall mean inland
				marine insurance which is for business and professional interests, whether for
				profit, nonprofit or public in nature, which is not for personal, family or
				household purposes, and which, by regulation or general custom of the business,
				is in fact written according to manual rates or rating plans.
(2) Commercial inland marine insurance shall
				be regulated by the Missouri Department of Insurance in the same manner as
				commercial property insurance.
(3)
				The rates, rate plans, modifications, and manuals of classifications for those
				inland marine coverages that either are not or have not been written according
				to manual rates or rating plans, need not be filed with the Missouri Department
				of Insurance. However, if rates or rating plans have been filed with the
				department in the past for a particular type of inland marine insurance, by an
				insurer, a rating organization, an advisory organization or a joint
				underwriting association, then it will be presumed that such business is in
				fact, by regulation or general custom, written according to manual rates or
				rating plans, and that therefore, the rates and forms for that particular type
				of inland marine coverage need to be filed with the department, under the
				provisions of either subsection 1 of section
				379.321,
				RSMo for personal inland marine coverage or under the provisions of subsection
				6 of section
				379.321,
				RSMo for commercial inland marine coverage. However, an insurer may present
				argument and evidence to the department to rebut this presumption, and if
				rebuted, obviate the need for a filing.
*Original authority: 374.045, RSMo 1967, amended 1993, 1995
					 and 379.321, RSMo 1972, amended 1999, 2001,
					 2002.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 500 - Property and Casualty › Chapter 1 - Property and Casualty Insurance in General › Section 20 CSR 500-1.300 - Use of Binders

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This regulation prohibits insurance
				  producers from binding insurance to provide rate advantages. This regulation
				  was adopted pursuant to the provisions of section
				  374.045,
				  RSMo and implements sections
				  379.318 and
				  379.470,
				  RSMo.
(1) Policy Coverage
				Concurrent. Any policy of property and casualty insurance replacing a binder
				must provide coverage from the date of coverage under the binder.
(2) Rate Advantage Prohibited. The use of
				binders written to cover property or casualty risks may not result in a rate
				advantage to any party.
(3) Binder
				Premium Charge Required. If a binder is not replaced by an insurance policy, a
				binder premium charge must be made which does not exceed the pro rata amount of
				premium which would have been applicable for that coverage had the policy been
				issued.
(4) The requirement as
				stated in section (3) of this regulation is not applicable if the binder
				premium charge is twenty dollars ($20) or less. A binder premium charge of
				twenty dollars ($20) or less may be made at the option of the
				insurer.
*Original authority: 374.045, RSMo 1967, amended 1993,
					 1995; 379.318, RSMo 1972; and 379.470, RSMo
					 1947.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 500 - Property and Casualty › Chapter 1 - Property and Casualty Insurance in General › Section 20 CSR 500-1.400 - Policyholder and Mutual Members Participation

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This amendment modernizes the
				  rule.
PURPOSE: This regulation specifies requirements for
				  issuance of participating policies of property and casualty insurance and
				  provisions in all mutual policies other than life. This regulation was adopted
				  pursuant to the provisions of section
				  374.045,
				  RSMo and implements sections
				  379.160
				  and
				  379.265,
				  RSMo.
(1) Prerequisites for
				Issuance of Participating Policies.
(A) Any
				stock insurance company licensed to do business in Missouri may issue
				participating property and casualty policies, provided that the company shall
				first-
1. Submit to the director of the
				department evidence of proper specific charter authority; and
2. File with the director of the department
				for approval the form of all participating property and casualty policies
				proposed to be issued in Missouri.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 500 - Property and Casualty › Chapter 1 - Property and Casualty Insurance in General › Section 20 CSR 500-1.600 - Arbitration Provision

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This regulation precludes insurers from
				  issuing property and casualty insurance policies containing compulsory
				  arbitration provisions. This regulation was adopted pursuant to the provisions
				  of sections
				  374.045,
				  379.203
				  and 435.010, RSMo.
(1) Any
				contract or agreement entered into containing any clause or provision providing
				for an adjustment by arbitration shall not preclude any party or beneficiary
				under the contract or agreement from instituting suit or legal action on the
				contract at any time and the compliance with the clause or provision shall not
				be a condition precedent to the right to bring or recover in the action. A
				party is bound by an arbitration provision only when s/he elects to arbitrate
				and a lawful and binding arbitration follows.
(2) No automobile policy written shall
				contain an arbitration clause applicable to disputed claims under uninsured
				motorist coverage and any provision to the contrary shall be void and of no
				effect as of August 22, 1974.
*Original authority: 374.045, RSMo 1967, amended 1993 and
					 379.203, RSMo 1967, amended 1971, 1972, 1982,
					 1991.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 500 - Property and Casualty › Chapter 1 - Property and Casualty Insurance in General › Section 20 CSR 500-1.700 - Motor Vehicles and Goods as Collateral

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This amendment modernizes the
				  rule.
(1) Scope. This
				regulation covers the stated insurance aspects of goods and of physical damage
				to motor vehicles subjected to liens under Chapter 365 (Motor Vehicle Time
				Sales), section
				408.100
				(Small Loans) and sections 408.250-408.280 (Retail Credit Sales), RSMo. It does
				not include mobile homes as defined in
				20 CSR
				500-2.500 nor does it include lenders'/vendors' single
				interest subject to
				20 CSR
				500-2.500 except where incorporated by reference.
				Payment of premium by the lender without charge to the consumer shall exempt
				any such insurance from this regulation.
(2) Definitions.
(A) "Consumer" includes the purchaser in a
				credit transaction, the mortgagor of newly acquired or previously owned
				property, and the equitable owner of any property subject to a lien within the
				scope of this regulation.
(B)
				"Goods," as used, means all tangible chattels, personal, and merchandise
				certificates or coupons exchangeable for this tangible personal property, but
				does not include motor vehicles, nonprocessed farm products, livestock, money,
				things in action, or intangible personal property. This term includes personal
				property which can be or is attached to realty so as to become a fixture
				whether or not severed or severable.
(C) "Loss payable clause" means any clause
				duly filed by the insurer with the department as added to a policy affording
				substantial protection.
(D) "Motor
				vehicle" includes any new or used automobile, motorcycle, truck, trailer,
				semi-trailer, truck tractor, or bus.
(E) Substantial protection as used is
				afforded a consumer when the goods are covered by a standard fire policy with
				extended coverage endorsement or when the motor vehicle is covered by a policy
				providing collision and comprehensive insurance and both are duly filed with
				the department. In these policies, the owner of the property must be protected
				from his/her risk of casualty loss for the causes covered by these policies and
				must be sole loss payee absent a loss payable clause. The amount payable to the
				consumer shall be no less than the actual cash value of the goods or motor
				vehicle insured.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 500 - Property and Casualty › Chapter 1 - Property and Casualty Insurance in General › Section 20 CSR 500-1.800 - Retroactive Modification Dates on Claims-Made Policies

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This rule sets standards for the use of
				  retroactive dates for determining the date of liability or coverage under
				  claims-made policies.
(1)
				Unless otherwise requested by or agreed to by the policyholder, any insurance
				company issuing an insurance policy in this state on a claims-made basis shall
				maintain the original retroactive date, date of liability or coverage stated on
				the initial policy issued by the insurance company for the duration of the
				policy, unless otherwise required by or agreed to by the policyholder, renewed
				or reissued policies must have a retroactive date equal to that of the original
				policy, provided however, that original retroactive date need not be maintained
				where the policy has lapsed due to nonpayment of premium. Any replacement of
				one (1) such policy, issued by one (1) insurer, with another such policy,
				issued by a second insurer, shall be considered as if issued by a single
				insurer for the purposes of this rule where both insurers are within the same
				holding company system.
(2) For
				purposes of this rule, an insurance policy issued on a claims-made basis is a
				policy which provides coverage only in cases where a written claim is made to
				the insurer during the stated policy period.
*Original authority: 374.040, RSMo 1939, amended 1967 and
					 374.045, RSMo 1967, amended 1993.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 500 - Property and Casualty › Chapter 2 - Automobile Insurance › Section 20 CSR 500-2.200 - Motorcycle Policy

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This regulation requires certain coverages
				  on motorcycle insurance policies, pursuant to the provisions of sections
				  374.040,
				  374.045,
				  375.936,
				  379.110- 379.120, 379.203, 379.470, 379.475 and 379.480, RSMo.
(1) Documents to be Filed with the Director
				of Insurance. All insurance companies licensed to write motorcycle insurance in
				Missouri shall file with the director of insurance copies of all motorcycle
				insurance policies, endorsements and renewal or other extension of coverage
				certificates which the company uses in Missouri.
(2) Motorcycle Passengers' Bodily Injuries
				Covered. Any policy of insurance providing bodily injury liability coverage for
				operators of motorcycles, motor scooters or other two (2)-wheeled motor
				vehicles licensed for highway use must offer medical payment coverage for
				operators and passenger liability coverage. If the insured declines this
				coverage, the declination must be written, either as a part of the application
				or as a separate document.
*Original authority: 374.040, RSMo 1939, amended 1967;
					 374.045, RSMo 1967; 375.936, RSMo 1959, amended 1967, 1969, 1971, 1976, 1978;
					 379.110-379.120, see
Revised Statutes of Missouri
; 379.203, RSMo
					 1967, amended 1971, 1972; 379.470, RSMo 1947; 379.475, RSMo 1947; and 379.480,
					 RSMo 1947.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 500 - Property and Casualty › Chapter 2 - Automobile Insurance › Section 20 CSR 500-2.300 - Cancellation and Nonrenewal of Automobile Insurance

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This regulation describes policy provisions,
				  charges, and procedures relating to cancellation and nonrenewal of private
				  passenger automobile insurance contracts. This regulation was adopted pursuant
				  to section
				  374.045,
				  RSMo, and implements sections 303.170-303.210, 379.110-379.120, and 379.470,
				  RSMo.
(1) Applicability. This
				regulation applies to all private passenger automobile policies not excluded by
				definition in section
				379.110(3),
				RSMo.
(2) Statutory Standards for
				Applicants.
(A) Any insurer that insures only
				a particular class of persons or operates within a specific geographical area
				must file with the Missouri Department of Insurance, Financial Institutions and
				Professional Registration (DIFP) a statement signed by an officer which
				specifies the exact criteria for membership in that class or defines by
				inclusion or exclusion that specific geographical area.
(B) No insurer or its insurance producer or
				representative may ask any applicant, policy holder, or operator whether any
				other insurer has cancelled, refused to write, or refused to renew a policy of
				automobile insurance to the person. This information may not be obtained
				indirectly through contacts with an applicant's prior insurer. Questions which
				seek information as to whether any other insurer has cancelled, refused to
				write, or refused to renew a policy of automobile insurance may appear on an
				automobile insurance application form only if a prominent disclaimer appears
				immediately alongside of or below the question stating that "This question
				cannot be asked in the state of Missouri."
(C) If an insurer offers an applicant the
				minimum limits of insurance coverage required by the Motor Vehicle Safety
				Responsibility Law (Chapter 303, RSMo), the insurer has adequately evidenced
				its willingness to write automobile liability insurance for the applicant.
				There has not been a refusal to write because higher limits of liability are
				refused the applicant.
(D) As used
				in section
				379.114,
				RSMo, the term residence includes, in addition to the location, the existence
				of other residents of any usual or routine dwelling place of the
				applicant.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 500 - Property and Casualty › Chapter 2 - Automobile Insurance › Section 20 CSR 500-2.400 - Vendors'/Lenders' Single Interest

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This regulation is designed to permit
				  vendors'/lenders' single interest and make that use consonant with the purpose
				  of
				  20 CSR
				  500-4.100. This regulation is adopted pursuant to
				  section
				  374.045,
				  RSMo and implements sections
				  303.200,
				  365.080,
				  367.170,
				  375.936, 379.400, 379.470 and 408.280, RSMo.
(1) Scope. This regulation covers individual
				vendors'/lenders' single interest, vendors'/ lenders' dual interest or
				collateral protection insurance policies sold in connection with a credit
				transaction.
(2) Consumers' Rights.
				The debtor or consumer, as defined in
				20 CSR
				500-1.700, shall be vested by the insurance company
				with all those rights described in section (4) of that regulation. These
				specifically include the rights of substitution, free choice of insurer and
				insurance producer and refund upon cancellation. A full and fair disclosure of
				those rights must accompany the notice to provide insurance.
(3) Notice Required.
(A) In the event acceptable insurance is not
				provided by the debtor at or before the consummation of the credit transaction
				or the provided insurance is cancelled, the creditor shall give the debtor
				written notice of requirement to provide insurance. This notice shall be
				delivered by first-class mail to the last known address of the debtor or in
				person and shall contain the following information:
1. That the security instrument requires a
				specified amount and type of insurance on the collateral, including a loss
				payable clause for the benefit of the creditor;
2. That this insurance has not been received
				by the creditor;
3. That the debtor
				may obtain the required insurance from any insurance producer duly licensed in
				Missouri s/he may choose and from any company authorized to do business in
				Missouri;
4. That if the insurance
				is not received within thirty (30) days, the creditor will obtain insurance to
				protect the interest of the creditor and charge the debtor, including
				applicable finance charges at the same rate that the security instrument calls
				for pertaining to the underlying indebtedness; and
5. That the policy obtained by the creditor
				will not provide bodily injury nor property damage liability
				insurance.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 500 - Property and Casualty › Chapter 2 - Automobile Insurance › Section 20 CSR 500-2.500 - Mobile Homes as Collateral

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This amendment modernizes the
				  rule.
(1) Definitions.
(A) Mobile home includes:
1. Mobile home, any manufactured housing
				unit, transportable on its own chassis, axle, and wheels, designed for
				permanent occupancy when connected to utilities;
2. Travel trailer, any manufactured
				recreational vehicle, transportable on its own chassis, axle, and wheels when
				towed by a motor vehicle, designed for temporary occupancy, to include a camper
				trailer; and
3. Motor home, any
				self-propelled, licensed, registered motor vehicle, designed for use
				principally on the public right-of-way as a recreational vehicle and designed
				to provide temporary living quarters, including truck-mounted camper
				units.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 500 - Property and Casualty › Chapter 2 - Automobile Insurance › Section 20 CSR 500-2.600 - Rate Increases

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This regulation specifies one form of unfair
				  discrimination in modification of rates applicable to policies of automobile
				  insurance where the claim under the policy is not due to the fault of the
				  operator. This regulation was adopted pursuant to provisions of section
				  374.045
				  and implements section
				  379.470,
				  RSMo.
(1) Rate Modification
				Prohibited. Any rating plan or rating system shall be considered unfairly
				discriminatory within the meaning of section
				379.470,
				RSMo if the rating plan or rating system increases the insured's automobile
				insurance premium as a result of an accident for which a claim is made upon the
				insured's policy under the following circumstances:
(A) The insured automobile was lawfully
				parked (an automobile rolling from a parked position shall not be considered as
				lawfully parked, but shall be considered as being operated by the last
				operator);
(B) The insured or other
				operator residing in the same household or owner has been reimbursed by or on
				behalf of a person responsible for the accident or has judgment against that
				person;
(C) The insured automobile
				was struck in the rear by another vehicle and the insured operator has not been
				convicted of a moving traffic violation in connection with the
				accident;
(D) The operator of the
				other automobile involved in the accident was convicted of a moving traffic
				violation and the insured operator was not convicted of a moving traffic
				violation in connection with the accidents;
(E) The insured automobile was damaged as a
				result of contact with a hit-and-run driver if the insured or other operator so
				reports the accident to the proper authorities within twenty-four (24) hours
				after discovery of the accident;
(F) Accidents involving damage by contact
				with animals or fowl;
(G) Accidents
				involving physical damage limited to and caused by flying gravel, missiles or
				falling objects; or
(H) Accidents
				occurring as a result of the operation of any automobile in response to an
				emergency if the operator at the time of the accident was responding to a call
				of duty as a paid or volunteer member of any police or fire department,
				first-aid squad or any law enforcement agency.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 500 - Property and Casualty › Chapter 2 - Automobile Insurance › Section 20 CSR 500-2.700 - Experience of Comprehensive, Uninsured Motorists, Fire, Theft and C.A.C

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This regulation specifies one form of unfair
				  discrimination in modification of rates for comprehensive, uninsured motorists,
				  fire, theft and combined additional coverages auto coverage. This regulation
				  was adopted pursuant to the provisions of section
				  374.045,
				  RSMo and implements section
				  379.470,
				  RSMo.
(1) Rate Modification
				Prohibited. Any rating plan or rating system which modifies the insured's
				automobile insurance premium charged for uninsured motorist coverage,
				comprehensive coverage or fire, theft and combined additional coverages
				(C.A.C.) or any combination based upon any insured's driving record of
				violations or accidents shall be considered unfairly discriminatory within the
				meaning of section
				379.470,
				RSMo.
(2) Scope and Application.
				This regulation shall not be construed so as to apply to rating programs
				involving insurance upon fleets of vehicles.
(3) Effective Date. All existing rating plans
				or rating systems affected by this regulation must be amended to comply not
				later than July 1, 1976. No new rating plans or rating systems may provide for
				rate modification so defined and prohibited.
*Original authority: 374.045, RSMo 1967, amended 1993, 1995
					 and 379.470, RSMo 1947.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 500 - Property and Casualty › Chapter 3 - Dwellings and Homeowners › Section 20 CSR 500-3.100 - Nonstandard Dwelling Fire

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This regulation states requirements for
				  insurers filing and utilizing a non-standard dwelling fire insurance rating
				  plan. This regulation was adopted pursuant to the provisions of sections
				  374.045
				  and 397.351, RSMo 1986 and to implement sections 397.316-397.361, RSMo
				  1986.
(1) Exemption. This
				regulation does not apply to policies rated under an Insurance Services Office
				(ISO) or independently filed substandard condition charge schedule, however
				these policies must contain complete and substantive documentation to support
				these charges.
(2) Requirements
				Schedule.
(A) Any insurance carrier having
				filed and utilizing a nonstandard dwelling fire insurance rating plan shall-
1. Maintain separate statistical computation
				as to losses applicable, general expenses and commissions for any nonstandard
				dwelling fire program; and
2.
				Provide for each insured's acknowledgment of excess rate and signature of
				acceptance on the following statement which must be completed and kept on file:
				"I,____, declare that I have been unable to obtain this insurance from other
				companies and do consent to pay the higher rates which I am being charged for
				this insurance. I understand that any deductible amount stated in my policy
				will be deducted from each claim I may make under the policy issued
				me."
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 500 - Property and Casualty › Chapter 3 - Dwellings and Homeowners › Section 20 CSR 500-3.200 - Cancellation, Nonrenewal and Refusal to Write

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This regulation prohibits the mandatory use
				  underwriting rules to promote discrimination in the writing of certain
				  insurance upon owner-occupied habitational property not exceeding two
				  families.
The establishment or use of any eligibility requirement or
				  the mandatory application of any underwriting rule, which contains a provision
				  applicable only to particular geographic areas or communities within this state
				  in connection with policies of insurance providing fire and extended coverage
				  insurance on owner-occupied habitational property not exceeding two (2)
				  families is prohibited. This regulation shall not be construed so as to
				  conflict with the ratemaking procedures set forth in section
				  379.318, RSMo
				  1986.
*Original authority: 374.045, RSMo 1967 and
					 375.001-375.008, RSMo 1977.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 500 - Property and Casualty › Chapter 4 - Rating Laws › Section 20 CSR 500-4.100 - Rate Regulatory Law Interpretations

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This rule provides procedures for filing or
				  furnishing rates and other information with the Missouri Department of
				  Insurance.
(1) The
				requirements for filing classifications, rates, rating plans, manual rules,
				policies and forms with the Department of Insurance are as follows:
(A) Commercial Property Insurance. Submission
				shall be made within ten (10) calendar days after the effective date;
(B) Casualty & Surety Insurance, Except
				Commercial Casualty Insurance. Submission shall be made within ten (10)
				calendar days after the effective date; and
(C) Commercial Casualty Insurance. Submission
				shall be made no later than ten (10) calendar days after the effective date
				which is requested within the filing, unless the filing produces an increase or
				decrease exceeding twenty-five percent (25%) annually from changes in the base
				rate, rating basis, rating plan, manual rules, territorial definitions or
				combination of these rating system components, in which case the submission
				shall be made sixty (60) days prior to the effective date within the filing for
				prior approval.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 500 - Property and Casualty › Chapter 4 - Rating Laws › Section 20 CSR 500-4.200 - Rate and Supplementary Rates Information Filings

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: This proposed amendment will accurately
				  reflect filing fees as stated in 374.230(6) RSMo, updated on January 1, 2019
				  and allows for text within the exhibits to be more legible.
(1) Applicability and Scope. This rule
				applies to the types of insurance described in sections
				379.316
				and
				379.882,
				RSMo and to insurers making filings under sections
				379.321
				and
				379.888.2.,
				RSMo.
(2) Definitions.
(A) Expenses means that portion of a rate
				attributable to acquisition, field supervision, collection expenses, general
				expenses, taxes, licenses and fees.
(B) The term prospective loss costs means
				that portion of a rate that does not include provisions for expenses (other
				than loss adjustment expenses) or profit, and are based on historical aggregate
				losses and loss adjustment expenses adjusted through development to their
				ultimate value and projected through trending to a future point in
				time.
(C) Rate means the cost of
				insurance per exposure unit, whether expressed as a single number or as
				prospective loss cost and an adjustment to account for the treatment of
				expenses, profit and variations in loss experience, prior to any application of
				individual risk variations based on loss or expense considerations, and does
				not include minimum premiums.
(D)
				Rating organization is an organization licensed pursuant to sections
				379.323
				and
				379.440,
				RSMo.
(E) Supplementary rating
				information means any manual, minimum premium, rating schedule or plan of
				policy writing rules, rating rules, classification system, territory codes and
				descriptions, rating plans and any other similar information needed to
				determine the applicable premium for an insured. Supplementary rating
				information includes factors and relativities, such as increased limits
				factors, classification relativities, deductible relativities or similar
				factors.
(F) Supporting information
				means information, including supporting actuarial data, which includes:
i) the experience and judgment of the insurer
				and the experience or data of other insurers or rating organizations relied
				upon by the insurer,
ii) the
				interpretation of any statistical data relied upon by the insurer,
iii) descriptions of methods used in making
				the rates and
iv)  actuarial,
				technical or other services made available by a rating organization, or other
				similar information required to be filed by the director.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 500 - Property and Casualty › Chapter 4 - Rating Laws › Section 20 CSR 500-4.300 - Rate Variations (Consent Rate) Prerequisites

Current through Register Vol. 49, No. 14, July 15, 2024
PURPOSE: The purpose of this amendment is to add
				  standards for the use of the consent to rate provisions of section
				  379.318, RSMo, to aircraft
				  insurance.
(1) Standards for
				the Use of Consent to Rate.
(A) No insurance
				company or reciprocal interinsurance exchange using rates subject to section
				379.318 or
				379.470,
				RSMo shall effect a policy of insurance or a renewal at a rate varying from the
				rate properly filed for its use on that specific risk unless the form contained
				as Exhibit A or one (1) substantially similar is completed by the
				insured.
(B) Reasons for any
				individual modifications in rate for private passenger automobile or homeowners
				or occupied residential dwelling fire policies must be entered in Exhibit A and
				-
1. Be highly unusual and have a
				documentably probable effect upon losses, stating specifically why the proposed
				insured is not within a reasonable class or classification system;
2. Be clearly and specifically stated as to
				each specific risk factor (such general statements as "Risk does not meet
				normal rates" are not acceptable);
3. Not be based solely upon the actions of
				another insurer toward that insured or that person's age, residence, race, sex,
				color, creed, national origin, ancestry, or lawful occupation; and
4. The following statement must be a part of
				each form 20 CSR 500-4.300 Exhibit A and
				signed by the insured:
"I, _________________, declare that I have been unable to
				  obtain this insurance from other companies and hereby consent to pay the higher
				  rates which I am being charged for this insurance. I understand that any
				  deductible amount stated in my policy will be deducted from each claim I may
				  make under the policy issued me."
(C) Schedule experience rated policies, or
				both, approved and filed by the department are exempt from this rule.
(D) Policies rated on any substandard
				dwelling schedule or rating plan filed with the department are considered
				special rating policies for the purposes of the record requirements of section
				(2) of this rule.
Missouri Code of State Regulations › Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE › Division 500 - Property and Casualty › Chapter 5 - Professional Malpractice › Section 20 CSR 500-5.100

Current through Register Vol. 49, No. 14, July 15, 2024
*Original authority: 374.045, RSMo 1967; 375.426, RSMo
					 1965; and 383.010-383.040, RSMo 1975.