§ 379.005 Definitions
§ 379.010 Number of incorporators required — classes of insurance — capital and ..
§ 379.011 Documents required for insurance transactions or proof of coverage by ..
§ 379.012 Insurance forms and endorsements may be available on insurer’s website, ..
§ 379.017 Combined risk policies authorized — single premium may be lower than ..
§ 379.025 Plans for formation of companies — name — prohibitions
§ 379.030 Declaration preliminary to organizing
§ 379.035 Articles of incorporation for stock companies
§ 379.040 Declaration, approval, filing — certificate of incorporation — subscription ..
§ 379.050 Examination and certification of stocks, by whom
§ 379.055 Director to give certificate — to be filed — evidence
§ 379.060 Charter of mutual companies
§ 379.065 Organization of corporation — procedure — fee
§ 379.070 Director to examine subscriptions, policyholders’ surplus
§ 379.075 Authority to commence business, when, how issued
§ 379.080 Capital and surplus of stock or mutual company, investments authorized — ..
§ 379.082 Property and liability companies, assets — requirements, standards
§ 379.083 Insurer investment in investment pools permitted, when — limitations — ..
§ 379.085 Mutual companies doing fire and marine business, agreements and securities ..
§ 379.090 Premium notes, how payable
§ 379.095 Assessment of premium notes
§ 379.098 Securities to be deposited by all companies, kind and amount
§ 379.100 Director to receive deposits
§ 379.102 Unearned premium and loss reserves, maintained as liabilities
§ 379.105 Annual reports — contents
§ 379.108 Form of certificate to be filed with director — definitions — contents — ..
§ 379.110 Definitions
§ 379.112 Provisions of policy covered
§ 379.114 Reasons for cancellation
§ 379.116 Refusal to insure or exclusion of named persons, when
§ 379.118 Notice of cancellation and renewals, due when — reinstatement, when — ..
§ 379.120 Explanation of refusal to write a policy, how given, contents — exemption, ..
§ 379.121 Definitions
§ 379.122 Refusal to issue policy based on the lack of prior motor vehicle coverage ..
§ 379.123 Violation deemed unfair trade practice
§ 379.125 Reinsurance
§ 379.130 Insurance claims, percentage of fault not to be assigned based solely on ..
§ 379.140 Total loss of real property — full amount of policy less any deductible to ..
§ 379.150 Partial loss by fire — standard fire insurance policy language, option for ..
§ 379.155 Coinsurance provisions declared void — exception
§ 379.160 Form of policy to be filed — coinsurance clause
§ 379.165 Construction of warranties of fact made in application
§ 379.170 Construction of warranties of fact incorporated in policy
§ 379.175 Evasion of sections prohibited
§ 379.180 Adjustments and examination of books to be made at place of loss
§ 379.185 After notice of loss, company to furnish blanks
§ 379.190 Failure to furnish blank forms deemed waiver
§ 379.195 Accident insurance liability fixed, when — cancellation prohibited
§ 379.200 Judgment creditor may collect insurance, when
§ 379.201 Motor vehicle policies to include coverage of owner and vehicle loaned for ..
§ 379.203 Automobile liability policy, required provisions — uninsured motorist ..
§ 379.204 Underinsured motor vehicle coverage, construction of policy
§ 379.205 Mutual companies other than life and fire insurance
§ 379.210 Articles of incorporation shall specify what
§ 379.215 Name must contain the word “mutual”
§ 379.220 Submitted to director — proof of publication — certificate may be issued — ..
§ 379.225 Company to have legal existence from date of certificate — insurance in ..
§ 379.230 Contracts of insurance and reinsurance
§ 379.235 License required — conditions to be complied with
§ 379.240 Who may hold policies
§ 379.245 Voting power of members
§ 379.250 Premiums
§ 379.255 Assets, how invested
§ 379.257 Deposit of securities required of mutual companies other than life and fire
§ 379.260 Reserves
§ 379.263 Mutual companies other than life and fire to file statement of affairs, when
§ 379.265 Assessments to meet reserve deficiencies
§ 379.270 Director may advance money
§ 379.275 Policies need not be countersigned — conditions
§ 379.290 Tax to be paid upon premiums
§ 379.295 Returns and assessment to be made by director — collection and disposition ..
§ 379.300 Failure to make return — director to proceed
§ 379.316 Scope of act (section 379.017 and sections 379.316 to 379.361)
§ 379.318 Rates, how made
§ 379.321 Rating plans to be filed with director, when — informational filings
§ 379.323 Rating organization defined — license, application for, contents — ..
§ 379.326 Deviation, how filed, effective when — open to public inspection
§ 379.328 Advisory organization defined — required filings — hearings on activities, ..
§ 379.331 Joint underwriting regulated — hearings, discontinuance order, when
§ 379.333 Insurers may act in concert to make rates
§ 379.336 Insurers with common management may act in concert to make rates
§ 379.338 Agreement to adhere prohibited, exception
§ 379.341 Exchange of information approved
§ 379.343 Examinations by director, when, how conducted, cost how paid
§ 379.346 Examination, purpose of — hearing — order
§ 379.348 Review of rate, rating plan or system, how obtained
§ 379.351 Approval by director of rules and plans, when — exchange of information ..
§ 379.353 Withholding of information or giving false or misleading information ..
§ 379.356 Excessive premiums and rebates prohibited
§ 379.359 Commissions paid to brokers or agents not affected
§ 379.361 Violations, penalties
§ 379.402 Property and casualty insurance, free or discounted products or services ..
§ 379.404 Commercial property and casualty insurance — rebates, discounts, gifts ..
§ 379.420 Citation of law
§ 379.425 Law applicable to certain classes of insurance — exceptions
§ 379.430 Insurers may act in concert with respect to rates
§ 379.435 Rating organization defined
§ 379.440 Rating organization must be licensed — who may apply — content of application
§ 379.445 Requirements to obtain and retain license
§ 379.450 Director to grant or deny license
§ 379.455 Advisory organizations
§ 379.460 Joint underwriting groups
§ 379.465 Exchange of information — agreement to rates
§ 379.470 Provisions governing rates
§ 379.475 Director to examine — powers — cost — director may accept examination by ..
§ 379.480 Purpose of examination — hearing — orders
§ 379.485 Penalties for failure to comply — powers of director
§ 379.490 May use rating plans or systems
§ 379.495 Payment of dividends not regulated
§ 379.500 Freedom of contract for fees not restricted
§ 379.505 Hearings on orders — notice — rules of pleading and evidence — review — ..
§ 379.510 Penalty for violation of orders
§ 379.515 May reorganize and extend corporate existence
§ 379.520 Content of articles of association
§ 379.525 Additional requirements for articles of association
§ 379.530 Special meeting to be called — notice
§ 379.535 Propositions for reorganization and extension of corporate existence to be ..
§ 379.540 Articles to be acknowledged and declaration of proceeding to be made
§ 379.545 Duty of director
§ 379.550 Board to accept certificate — file with secretary of state — fee — new ..
§ 379.555 Examination of company and certificate to do business
§ 379.560 Value of equitable interests of nonassenting stockholders or policyholders ..
§ 379.565 Suit in circuit court to determine value
§ 379.570 Publication of notice — proceedings
§ 379.575 Who may appear — proceedings, how governed
§ 379.580 Costs — by whom paid
§ 379.585 Company having special charter may accept general insurance laws
§ 379.590 Content of articles of association
§ 379.595 Additional requirements of articles of association
§ 379.600 Special meeting to be called — notice
§ 379.605 Proposition to surrender to be voted on
§ 379.610 Acknowledgment and declaration to be made
§ 379.615 Duty of director
§ 379.620 Acceptance by resolution of directors
§ 379.625 Certificate to do business
§ 379.650 Exchange of reciprocal or interinsurance contracts authorized — classes of ..
§ 379.660 Contracts to be executed through attorney in fact
§ 379.670 Application for license, contents — requirements
§ 379.680 Service of process on director — method
§ 379.690 Statement of condition and affairs may be required by director — ..
§ 379.700 Reserves required
§ 379.710 Surplus required — claim reserve fund — phase-in of requirements
§ 379.720 Deficiency how made up — net premium and deposit defined
§ 379.730 Annual statement of financial condition required
§ 379.740 Corporations generally empowered to become subscribers
§ 379.750 Certificate of authority from director required — license may be revoked or ..
§ 379.770 Mergers or consolidation of reciprocal exchanges or interinsurers
§ 379.780 Exemption from other insurance laws except retaliatory law, and certain ..
§ 379.790 Penalty for acting without legal authority
§ 379.800 Sections 374.030 to 379.790 intended as a continuation of existing law
§ 379.808 Insurance policies on certain real property — beneficiary deemed insured, ..
§ 379.810 Program established
§ 379.815 Definitions
§ 379.820 Inspections and reports
§ 379.825 Issuance of policy, when — appointment of liability assumed — expenses — ..
§ 379.827 Sinkhole loss policies authorized
§ 379.830 Procedure after inspection and submission
§ 379.835 Joint reinsurance association
§ 379.840 Standard policy coverage and rating procedure
§ 379.845 Cancellation or nonrenewal
§ 379.850 Right of appeal
§ 379.855 Commissions
§ 379.860 Administration of program — governing committee, members, vacancies — ..
§ 379.865 Annual and special meetings
§ 379.870 Duties of the committee
§ 379.875 Statistics to be kept, reports
§ 379.880 Public education
§ 379.882 Definitions for sections 379.882 to 379.886
§ 379.883 Policy cancellation or nonrenewal requirement of sixty days prior to ..
§ 379.884 Policyholder’s right to history of policy, when
§ 379.885 Proof of mailing notice of cancellation or nonrenewal
§ 379.886 Cancellation or nonrenewal of entire line or class of insurance requires ..
§ 379.888 Definitions for sections 379.888 to 379.893 — notice to insured, when — ..
§ 379.889 Rates not to be excessive, inadequate, or unfairly discriminatory — unfair ..
§ 379.890 Rates, rate plan or rate system filing, when — required actuarial data
§ 379.893 Rules and regulations on modification of rate base, authority of director — ..
§ 379.895 Annual report by commercial casualty insurance companies — form — content ..
§ 379.901 Prepaid service plan defined — agent soliciting memberships, disclosures
§ 379.930 Small employer health insurance availability act — definitions
§ 379.932 Applicability of act, conditions — treatment as single carrier or separate ..
§ 379.934 Establishment of class of business, reasons — number of classes that may be ..
§ 379.936 Premium rates, subject to conditions — no transfer out of class of business ..
§ 379.938 Renewability, exceptions — carrier not renewing prohibited from writing new ..
§ 379.940 Carriers to offer all health plans in market — health benefit plans, ..
§ 379.946 Board report, contents, recommendations
§ 379.948 Certain law not to apply to basic health benefit plan
§ 379.950 Director to promulgate rules, procedure
§ 379.952 Carriers to market plan coverage — agent or broker, prohibited activities, ..
§ 379.975 Insurer to provide information, when
§ 379.978 Written disaster plan, insurer to develop, contents
§ 379.980 Reorganization of domestic mutual insurance company, authority
§ 379.982 Formation of holding company, application — shareholder approval — issuance ..
§ 379.985 Member’s interest — nontransference of membership — immunity from liability ..
§ 379.987 Nonapplicability of certain provisions of insurance holding companies law — ..
§ 379.988 Mutual holding company subject to supervision of director, dissolution or ..
§ 379.1300 v2 Definitions
§ 379.1302 Licensure — prohibited acts — requirements for conducting business — ..
§ 379.1304 Adoption of a name, deceptive practice
§ 379.1306 Capital and surplus requirements
§ 379.1308 Approval for payment of dividends required
§ 379.1310 Incorporation as a stock insurer permitted, when
§ 379.1312 Reports required
§ 379.1314 Inspections, when
§ 379.1316 Suspension or revocation of licensure, when
§ 379.1318 Investment requirements, compliance with
§ 379.1320 Reinsurance may be provided, when
§ 379.1322 Rating organizations, company not required to join
§ 379.1324 Prohibitions on joining or contributing to certain entities and funds
§ 379.1326 Premium tax imposed, amount, procedure
§ 379.1328 Rulemaking authority
§ 379.1330 Inapplicability of insurance laws to captive insurance companies
§ 379.1332 Promotion of captive insurance, moneys from dedicated insurance fund to be ..
§ 379.1336 Insurance reorganization, receivership and injunctions provisions — ..
§ 379.1338 Standards for risk management of controlled unaffiliated business
§ 379.1339 Conversion to reciprocal insurer, when, procedure
§ 379.1340 Branch captive may be established, when
§ 379.1342 Trust fund required for branch captive insurance company
§ 379.1344 Certificate for branch captive insurance companies
§ 379.1346 Reports and statements of branch captive insurance companies to be filed ..
§ 379.1348 Examination of branch captive insurance companies, limitations
§ 379.1350 Applicability of tax to branch companies
§ 379.1351 Sponsored captive insurance companies, may be formed by whom — definitions ..
§ 379.1353 Definitions
§ 379.1356 Inapplicability of insurance laws
§ 379.1359 License application — requirements for transaction of business — licensure ..
§ 379.1361 Plan of operation to be filed, contents
§ 379.1364 License fee, amount
§ 379.1367 Approval of application, findings by director
§ 379.1370 Corporate status of company
§ 379.1373 Limitation on activities and name — number of incorporators required
§ 379.1376 Contract requirements
§ 379.1379 Swap agreements permitted
§ 379.1382 Issuance of securities — approved activities by director
§ 379.1385 Management of assets
§ 379.1388 Recognition of admitted assets — value of assets
§ 379.1391 Prohibited acts
§ 379.1394 Dividend-payments, limitations
§ 379.1397 Changes in plan of operation, directors approval required
§ 379.1400 v2 Affiliated agreements to be filed with director
§ 379.1403 Audited financial report required, requirements
§ 379.1406 Examination required, when, procedure
§ 379.1409 Record-keeping requirements
§ 379.1412 Premium tax required, amount, procedure
§ 379.1415 Confidentiality of records, exceptions
§ 379.1418 Grounds for liquidation — granting of relief, management of assets
§ 379.1421 Rulemaking authority
§ 379.1500 v2 Definitions
§ 379.1505 Vendor license required — application, fee — termination date
§ 379.1510 Authorization to sell, vendor responsibilities — eligibility and ..
§ 379.1515 Insurance producers act, applicability of
§ 379.1520 Sanctioning of license, when — penalties, when
§ 379.1525 Vendor investigation and examination requirements
§ 379.1530 Premiums, received by insurer, when — proof of purchase, insurer may require
§ 379.1535 Violations, director’s authority
§ 379.1540 Supervising business entity, sanctioning of license, when
§ 379.1545 Insurers, permissible acts
§ 379.1550 v2 Rulemaking authority — effective date
§ 379.1640 Self-service storage–definitions–offer of insurance, ..
§ 379.1700 v2 Definitions
§ 379.1702 Primary automobile insurance to be maintained, requirements — lapsed ..
§ 379.1704 Disclosure of insurance coverage, how made
§ 379.1706 Disclosure statement — display
§ 379.1708 Exclusions and limitations on coverage
§ 379.1800 v2 Description of authorized group personal lines property and casualty ..
§ 379.1803 Master policy issuance, certificates — content of master policy
§ 379.1806 Basic package of coverages and limits, additional coverages or limits — ..
§ 379.1809 Rating plan, master policy premium — rates not unfairly discriminatory, ..
§ 379.1812 Loss and expense experience statistics — employee purchase of insurance not ..
§ 379.1815 Licensure required for agent or broker of policies — exception for certain ..
§ 379.1818 Notice of termination, contents — conversion to individual policy, when — ..
§ 379.1821 Licensure required for issuance of policies — inapplicability to mass ..
§ 379.1824 Effective date

Terms Used In Missouri Laws > Chapter 379 - Insurance Other Than Life

  • Affidavit: A written statement of facts confirmed by the oath of the party making it, before a notary or officer having authority to administer oaths.
  • Affirmed: In the practice of the appellate courts, the decree or order is declared valid and will stand as rendered in the lower court.
  • Amendment: A proposal to alter the text of a pending bill or other measure by striking out some of it, by inserting new language, or both. Before an amendment becomes part of the measure, thelegislature must agree to it.
  • Annuity: A periodic (usually annual) payment of a fixed sum of money for either the life of the recipient or for a fixed number of years. A series of payments under a contract from an insurance company, a trust company, or an individual. Annuity payments are made at regular intervals over a period of more than one full year.
  • Answer: The formal written statement by a defendant responding to a civil complaint and setting forth the grounds for defense.
  • Appeal: A request made after a trial, asking another court (usually the court of appeals) to decide whether the trial was conducted properly. To make such a request is "to appeal" or "to take an appeal." One who appeals is called the appellant.
  • Appropriation: The provision of funds, through an annual appropriations act or a permanent law, for federal agencies to make payments out of the Treasury for specified purposes. The formal federal spending process consists of two sequential steps: authorization
  • Assets: (1) The property comprising the estate of a deceased person, or (2) the property in a trust account.
  • Attorney-in-fact: A person who, acting as an agent, is given written authorization by another person to transact business for him (her) out of court.
  • Bankruptcy: Refers to statutes and judicial proceedings involving persons or businesses that cannot pay their debts and seek the assistance of the court in getting a fresh start. Under the protection of the bankruptcy court, debtors may discharge their debts, perhaps by paying a portion of each debt. Bankruptcy judges preside over these proceedings.
  • Beneficiary: A person who is entitled to receive the benefits or proceeds of a will, trust, insurance policy, retirement plan, annuity, or other contract. Source: OCC
  • Common law: The legal system that originated in England and is now in use in the United States. It is based on judicial decisions rather than legislative action.
  • Complaint: A written statement by the plaintiff stating the wrongs allegedly committed by the defendant.
  • Continuance: Putting off of a hearing ot trial until a later time.
  • Contract: A legal written agreement that becomes binding when signed.
  • Conviction: A judgement of guilt against a criminal defendant.
  • Corporation: A legal entity owned by the holders of shares of stock that have been issued, and that can own, receive, and transfer property, and carry on business in its own name.
  • Damages: Money paid by defendants to successful plaintiffs in civil cases to compensate the plaintiffs for their injuries.
  • Deed: The legal instrument used to transfer title in real property from one person to another.
  • Defendant: In a civil suit, the person complained against; in a criminal case, the person accused of the crime.
  • Department: the department of commerce and insurance. See Missouri Laws 379.005
  • Dependent: A person dependent for support upon another.
  • Director: the director of the department of commerce and insurance. See Missouri Laws 379.005
  • Discovery: Lawyers' examination, before trial, of facts and documents in possession of the opponents to help the lawyers prepare for trial.
  • Embezzlement: In most states, embezzlement is defined as theft/larceny of assets (money or property) by a person in a position of trust or responsibility over those assets. Embezzlement typically occurs in the employment and corporate settings. Source: OCC
  • Entitlement: A Federal program or provision of law that requires payments to any person or unit of government that meets the eligibility criteria established by law. Entitlements constitute a binding obligation on the part of the Federal Government, and eligible recipients have legal recourse if the obligation is not fulfilled. Social Security and veterans' compensation and pensions are examples of entitlement programs.
  • Equitable: Pertaining to civil suits in "equity" rather than in "law." In English legal history, the courts of "law" could order the payment of damages and could afford no other remedy. See damages. A separate court of "equity" could order someone to do something or to cease to do something. See, e.g., injunction. In American jurisprudence, the federal courts have both legal and equitable power, but the distinction is still an important one. For example, a trial by jury is normally available in "law" cases but not in "equity" cases. Source: U.S. Courts
  • Evidence: Information presented in testimony or in documents that is used to persuade the fact finder (judge or jury) to decide the case for one side or the other.
  • Fair market value: The price at which an asset would change hands in a transaction between a willing, informed buyer and a willing, informed seller.
  • Federal Reserve System: The central bank of the United States. The Fed, as it is commonly called, regulates the U.S. monetary and financial system. The Federal Reserve System is composed of a central governmental agency in Washington, D.C. (the Board of Governors) and twelve regional Federal Reserve Banks in major cities throughout the United States. Source: OCC
  • Fiduciary: A trustee, executor, or administrator.
  • Fiscal year: The fiscal year is the accounting period for the government. For the federal government, this begins on October 1 and ends on September 30. The fiscal year is designated by the calendar year in which it ends; for example, fiscal year 2006 begins on October 1, 2005 and ends on September 30, 2006.
  • following: when used by way of reference to any section of the statutes, mean the section next preceding or next following that in which the reference is made, unless some other section is expressly designated in the reference. See Missouri Laws 1.020
  • Fraud: Intentional deception resulting in injury to another.
  • hereafter: means the time after the statute containing it takes effect. See Missouri Laws 1.020
  • Injunction: An order of the court prohibiting (or compelling) the performance of a specific act to prevent irreparable damage or injury.
  • Interest rate: The amount paid by a borrower to a lender in exchange for the use of the lender's money for a certain period of time. Interest is paid on loans or on debt instruments, such as notes or bonds, either at regular intervals or as part of a lump sum payment when the issue matures. Source: OCC
  • Jurisdiction: (1) The legal authority of a court to hear and decide a case. Concurrent jurisdiction exists when two courts have simultaneous responsibility for the same case. (2) The geographic area over which the court has authority to decide cases.
  • Lease: A contract transferring the use of property or occupancy of land, space, structures, or equipment in consideration of a payment (e.g., rent). Source: OCC
  • Liabilities: The aggregate of all debts and other legal obligations of a particular person or legal entity.
  • Lien: A claim against real or personal property in satisfaction of a debt.
  • Litigation: A case, controversy, or lawsuit. Participants (plaintiffs and defendants) in lawsuits are called litigants.
  • Month: means a calendar month, and "year" means a calendar year unless otherwise expressed, and is equivalent to the words year of our Lord. See Missouri Laws 1.020
  • Mortgage: The written agreement pledging property to a creditor as collateral for a loan.
  • National Bank: A bank that is subject to the supervision of the Comptroller of the Currency. The Office of the Comptroller of the Currency is a bureau of the U.S. Treasury Department. A national bank can be recognized because it must have "national" or "national association" in its name. Source: OCC
  • Oath: A promise to tell the truth.
  • Obligation: An order placed, contract awarded, service received, or similar transaction during a given period that will require payments during the same or a future period.
  • Partnership: A voluntary contract between two or more persons to pool some or all of their assets into a business, with the agreement that there will be a proportional sharing of profits and losses.
  • person: may extend and be applied to bodies politic and corporate, and to partnerships and other unincorporated associations. See Missouri Laws 1.020
  • Personal property: All property that is not real property.
  • Personal property: includes money, goods, chattels, things in action and evidences of debt. See Missouri Laws 1.020
  • Power of attorney: A written instrument which authorizes one person to act as another's agent or attorney. The power of attorney may be for a definite, specific act, or it may be general in nature. The terms of the written power of attorney may specify when it will expire. If not, the power of attorney usually expires when the person granting it dies. Source: OCC
  • Precedent: A court decision in an earlier case with facts and law similar to a dispute currently before a court. Precedent will ordinarily govern the decision of a later similar case, unless a party can show that it was wrongly decided or that it differed in some significant way.
  • Probable cause: A reasonable ground for belief that the offender violated a specific law.
  • Property: includes real and personal property. See Missouri Laws 1.020
  • Public law: A public bill or joint resolution that has passed both chambers and been enacted into law. Public laws have general applicability nationwide.
  • Quorum: The number of legislators that must be present to do business.
  • Real property: Land, and all immovable fixtures erected on, growing on, or affixed to the land.
  • Recourse: An arrangement in which a bank retains, in form or in substance, any credit risk directly or indirectly associated with an asset it has sold (in accordance with generally accepted accounting principles) that exceeds a pro rata share of the bank's claim on the asset. If a bank has no claim on an asset it has sold, then the retention of any credit risk is recourse. Source: FDIC
  • Remainder: An interest in property that takes effect in the future at a specified time or after the occurrence of some event, such as the death of a life tenant.
  • Service of process: The service of writs or summonses to the appropriate party.
  • Settlement: Parties to a lawsuit resolve their difference without having a trial. Settlements often involve the payment of compensation by one party in satisfaction of the other party's claims.
  • State: when applied to any of the United States, includes the District of Columbia and the territories, and the words "United States" includes such district and territories. See Missouri Laws 1.020
  • Statute: A law passed by a legislature.
  • Subpoena: A command to a witness to appear and give testimony.
  • Temporary restraining order: Prohibits a person from an action that is likely to cause irreparable harm. This differs from an injunction in that it may be granted immediately, without notice to the opposing party, and without a hearing. It is intended to last only until a hearing can be held.
  • Trust account: A general term that covers all types of accounts in a trust department, such as estates, guardianships, and agencies. Source: OCC
  • Trustee: A person or institution holding and administering property in trust.
  • United States: includes such district and territories. See Missouri Laws 1.020
  • Verdict: The decision of a petit jury or a judge.