Chapter 379 - Insurance Other Than Life

Section 379.005 Definitions.
Section 379.125 Reinsurance.
Section 379.130 Insurance claims, percentage of fault not to be assigned based solely on operation of a motorcycle.
Section 379.140 Company not to deny value — full amount of policy to be paid.
Section 379.145 Property insured in more than one company.
Section 379.150 Partial loss — option with insured.
Section 379.155 Coinsurance provisions declared void — exception.
Section 379.160 Form of policy to be filed — coinsurance clause.
Section 379.165 Construction of warranties of fact made in application.
Section 379.170 Construction of warranties of fact incorporated in policy.
Section 379.175 Evasion of sections prohibited.
Section 379.180 Adjustments and examination of books to be made at place of loss.
Section 379.185 After notice of loss, company to furnish blanks.
Section 379.190 Failure to furnish blank forms deemed waiver.
Section 379.195 Accident insurance liability fixed, when — cancellation prohibited.
Section 379.200 Judgment creditor may collect insurance, when.
Section 379.201 Motor vehicle policies to include coverage of owner and vehicle loaned for demonstration or during repairs.
Section 379.203 Automobile liability policy, required provisions — uninsured motorist coverage required — recovery against tort-feasor, how limited.
Section 379.204 Underinsured motor vehicle coverage, construction of policy.
Section 379.010 Number of incorporators required — classes of insurance — capital and surplus requirements, phase-in.
Section 379.011 Documents required for insurance transactions or proof of coverage by electronic means permitted, when, requirements — inapplicability.
Section 379.012 Insurance forms and endorsements may be available on insurer's website, when, requirements — rulemaking authority.
Section 379.017 Combined risk policies authorized — single premium may be lower than aggregate coverage rates.
Section 379.025 Plans for formation of companies — name — prohibitions.
Section 379.030 Declaration preliminary to organizing.
Section 379.035 Articles of incorporation for stock companies.
Section 379.040 Declaration, approval, filing — certificate of incorporation — subscription of stock.
Section 379.050 Examination and certification of stocks, by whom.
Section 379.055 Director to give certificate — to be filed — evidence.
Section 379.060 Charter of mutual companies.
Section 379.065 Organization of corporation — procedure — fee.
Section 379.070 Director to examine subscriptions, policyholders' surplus.
Section 379.075 Authority to commence business, when, how issued.
Section 379.080 Capital and surplus of stock or mutual company, investments authorized — violation, penalty.
Section 379.082 Property and liability companies, assets — requirements, standards.
Section 379.083 Insurer investment in investment pools permitted, when — limitations — custodial and pooling agreements.
Section 379.085 Mutual companies doing fire and marine business, agreements and securities — violation, penalty.
Section 379.090 Premium notes, how payable.
Section 379.095 Assessment of premium notes.
Section 379.098 Securities to be deposited by all companies, kind and amount.
Section 379.100 Director to receive deposits.
Section 379.102 Unearned premium and loss reserves, maintained as liabilities.
Section 379.105 Annual reports — contents.
Section 379.108 Form of certificate to be filed with director — definitions — contents — standard forms — false or misleading information prohibited — applicability — fee — violations, effect of — rulemaking authority.
Section 379.110 Definitions.
Section 379.112 Provisions of policy covered.
Section 379.114 Reasons for cancellation.
Section 379.116 Refusal to insure or exclusion of named persons, when.
Section 379.118 Notice of cancellation and renewals, due when — reinstatement, when — exemption, when.
Section 379.120 Explanation of refusal to write a policy, how given, contents.
Section 379.121 Definitions.
Section 379.122 Refusal to issue policy based on the lack of prior motor vehicle coverage prohibited, when.
Section 379.123 Violation deemed unfair trade practice.
Section 379.205 Mutual companies other than life and fire insurance.
Section 379.210 Articles of incorporation shall specify what.
Section 379.215 Name must contain the word "mutual".
Section 379.220 Submitted to director — proof of publication — certificate may be issued — amendment of articles.
Section 379.225 Company to have legal existence from date of certificate — insurance in force, when.
Section 379.230 Contracts of insurance and reinsurance.
Section 379.235 License required — conditions to be complied with.
Section 379.240 Who may hold policies.
Section 379.245 Voting power of members.
Section 379.250 Premiums.
Section 379.255 Assets, how invested.
Section 379.257 Deposit of securities required of mutual companies other than life and fire.
Section 379.260 Reserves.
Section 379.263 Mutual companies other than life and fire to file statement of affairs, when.
Section 379.265 Assessments to meet reserve deficiencies.
Section 379.270 Director may advance money.
Section 379.275 Policies need not be countersigned — conditions.
Section 379.290 Tax to be paid upon premiums.
Section 379.295 Returns and assessment to be made by director — collection and disposition of tax by the director of revenue.
Section 379.300 Failure to make return — director to proceed.
Section 379.316 Scope of act (section 379.017 and sections 379.316 to 379.361).
Section 379.318 Rates, how made.
Section 379.321 Rating plans to be filed with director, when — informational filings.
Section 379.323 Rating organization defined — license, application for, contents — subscribers, how treated.
Section 379.326 Deviation, how filed, effective when — open to public inspection.
Section 379.328 Advisory organization defined — required filings — hearings on activities, discontinuance orders.
Section 379.331 Joint underwriting regulated — hearings, discontinuance order, when.
Section 379.333 Insurers may act in concert to make rates.
Section 379.336 Insurers with common management may act in concert to make rates.
Section 379.338 Agreement to adhere prohibited, exception.
Section 379.341 Exchange of information approved.
Section 379.343 Examinations by director, when, how conducted, cost how paid.
Section 379.346 Examination, purpose of — hearing — order.
Section 379.348 Review of rate, rating plan or system, how obtained.
Section 379.351 Approval by director of rules and plans, when — exchange of information with director — director may make rules and regulations.
Section 379.353 Withholding of information or giving false or misleading information prohibited, penalty.
Section 379.356 Excessive premiums and rebates prohibited.
Section 379.359 Commissions paid to brokers or agents not affected.
Section 379.361 Violations, penalties.
Section 379.420 Citation of law.
Section 379.425 Law applicable to certain classes of insurance — exceptions.
Section 379.430 Insurers may act in concert with respect to rates.
Section 379.435 Rating organization defined.
Section 379.440 Rating organization must be licensed — who may apply — content of application.
Section 379.445 Requirements to obtain and retain license.
Section 379.450 Director to grant or deny license.
Section 379.455 Advisory organizations.
Section 379.460 Joint underwriting groups.
Section 379.465 Exchange of information — agreement to rates.
Section 379.470 Provisions governing rates.
Section 379.475 Director to examine — powers — cost — director may accept examination by other state.
Section 379.480 Purpose of examination — hearing — orders.
Section 379.485 Penalties for failure to comply — powers of director.
Section 379.490 May use rating plans or systems.
Section 379.495 Payment of dividends not regulated.
Section 379.500 Freedom of contract for fees not restricted.
Section 379.505 Hearings on orders — notice — rules of pleading and evidence — review — effective date of order.
Section 379.510 Penalty for violation of orders.
Section 379.515 May reorganize and extend corporate existence.
Section 379.520 Content of articles of association.
Section 379.525 Additional requirements for articles of association.
Section 379.530 Special meeting to be called — notice.
Section 379.535 Propositions for reorganization and extension of corporate existence to be voted on.
Section 379.540 Articles to be acknowledged and declaration of proceeding to be made.
Section 379.545 Duty of director.
Section 379.550 Board to accept certificate — file with secretary of state — fee — new board — notify director.
Section 379.555 Examination of company and certificate to do business.
Section 379.560 Value of equitable interests of nonassenting stockholders or policyholders to be paid to them.
Section 379.565 Suit in circuit court to determine value.
Section 379.570 Publication of notice — proceedings.
Section 379.575 Who may appear — proceedings, how governed.
Section 379.580 Costs — by whom paid.
Section 379.585 Company having special charter may accept general insurance laws.
Section 379.590 Content of articles of association.
Section 379.595 Additional requirements of articles of association.
Section 379.600 Special meeting to be called — notice.
Section 379.605 Proposition to surrender to be voted on.
Section 379.610 Acknowledgment and declaration to be made.
Section 379.615 Duty of director.
Section 379.620 Acceptance by resolution of directors.
Section 379.625 Certificate to do business.
Section 379.650 Exchange of reciprocal or interinsurance contracts authorized — classes of insurance allowed.
Section 379.660 Contracts to be executed through attorney in fact.
Section 379.670 Application for license, contents — requirements.
Section 379.680 Service of process on director — method.
Section 379.690 Statement of condition and affairs may be required by director — restriction on liability of members.
Section 379.700 Reserves required.
Section 379.710 Surplus required — claim reserve fund — phase-in of requirements.
Section 379.720 Deficiency how made up — net premium and deposit defined.
Section 379.730 Annual statement of financial condition required.
Section 379.740 Corporations generally empowered to become subscribers.
Section 379.750 Certificate of authority from director required — license may be revoked or suspended — renewal.
Section 379.770 Mergers or consolidation of reciprocal exchanges or interinsurers.
Section 379.780 Exemption from other insurance laws except retaliatory law, and certain enumerated sections.
Section 379.790 Penalty for acting without legal authority.
Section 379.800 Sections 374.030 to 379.790 intended as a continuation of existing law.
Section 379.808 Insurance policies on certain real property — beneficiary deemed insured, duration, others covered not affected, when.
Section 379.810 Program established.
Section 379.815 Definitions.
Section 379.820 Inspections and reports.
Section 379.825 Issuance of policy, when — appointment of liability assumed — expenses — limits on liability.
Section 379.827 Sinkhole loss policies authorized.
Section 379.830 Procedure after inspection and submission.
Section 379.835 Joint reinsurance association.
Section 379.840 Standard policy coverage and rating procedure.
Section 379.845 Cancellation or nonrenewal.
Section 379.850 Right of appeal.
Section 379.855 Commissions.
Section 379.860 Administration of program — governing committee, members, vacancies.
Section 379.865 Annual and special meetings.
Section 379.870 Duties of the committee.
Section 379.875 Statistics to be kept, reports.
Section 379.880 Public education.
Section 379.882 Definitions for sections 379.882 to 379.886.
Section 379.883 Policy cancellation or nonrenewal requirement of sixty days prior to notification — notice content.
Section 379.884 Policyholder's right to history of policy, when.
Section 379.885 Proof of mailing notice of cancellation or nonrenewal.
Section 379.886 Cancellation or nonrenewal of entire line or class of insurance requires ninety days' prior notice to director.
Section 379.888 Definitions for sections 379.888 to 379.893 — notice to insured, when — department to notify insurers.
Section 379.889 Rates not to be excessive, inadequate, or unfairly discriminatory — unfair discrimination defined.
Section 379.890 Rates, rate plan or rate system filing, when — required actuarial data.
Section 379.893 Rules and regulations on modification of rate base, authority of director — procedure.
Section 379.895 Annual report by commercial casualty insurance companies — form — content of report — exceptions.
Section 379.901 Prepaid service plan defined — agent soliciting memberships, disclosures.
Section 379.930 Small employer health insurance availability act — definitions.
Section 379.932 Applicability of act, conditions — treatment as single carrier or separate carrier — ceding agreements prohibited, when.
Section 379.934 Establishment of class of business, reasons — number of classes that may be established — promulgation of rules for period of transition — establishment of additional classes.
Section 379.936 Premium rates, subject to conditions — no transfer out of class of business — disclosure required, contents — rating and renewal records required to be kept.
Section 379.938 Renewability, exceptions — carrier not renewing prohibited from writing new business in market, when — application of section in certain geographic areas.
Section 379.940 Carriers to offer all health plans in market — health benefit plans, requirements — exclusion of coverage for certain employees.
Section 379.946 Board report, contents, recommendations.
Section 379.948 Certain law not to apply to basic health benefit plan.
Section 379.950 Director to promulgate rules, procedure.
Section 379.952 Carriers to market plan coverage — agent or broker, prohibited activities, exception — variance in compensation prohibited, exceptions — carriers, prohibited activities — denial of application, requirements — penalty — applicability to third party administrators.
Section 379.975 Insurer to provide information, when.
Section 379.978 Written disaster plan, insurer to develop, contents.
Section 379.980 Reorganization of domestic mutual insurance company, authority.
Section 379.982 Formation of holding company, application — shareholder approval — issuance of shares.
Section 379.985 Member's interest — nontransference of membership — immunity from liability — assessments, not imposed — security, membership interest.
Section 379.987 Nonapplicability of certain provisions of insurance holding companies law — incorporation of mutual holding company, authority, approval — powers of mutual holding company, engaging in business of insurance, no authority, affiliation and merger agreements.
Section 379.988 Mutual holding company subject to supervision of director, dissolution or liquidation — demutualization.
Section 379.1300 Definitions.
Section 379.1302 Licensure — prohibited acts — requirements for conducting business — application requirements.
Section 379.1304 Adoption of a name, deceptive practice.
Section 379.1306 Capital and surplus requirements.
Section 379.1308 Approval for payment of dividends required.
Section 379.1310 Incorporation as a stock insurer permitted, when.
Section 379.1312 Reports required.
Section 379.1314 Inspections, when.
Section 379.1316 Suspension or revocation of licensure, when.
Section 379.1318 Investment requirements, compliance with.
Section 379.1320 Reinsurance may be provided, when.
Section 379.1322 Rating organizations, company not required to join.
Section 379.1324 Prohibitions on joining or contributing to certain entities and funds.
Section 379.1326 Premium tax imposed, amount, procedure.
Section 379.1328 Rulemaking authority.
Section 379.1330 Inapplicability of insurance laws to captive insurance companies.
Section 379.1332 Promotion of captive insurance, moneys from dedicated insurance fund to be used.
Section 379.1336 Insurance reorganization, receivership and injunctions provisions — applicability to captive insurance companies.
Section 379.1338 Standards for risk management of controlled unaffiliated business.
Section 379.1339 Conversion to reciprocal insurer, when, procedure.
Section 379.1340 Branch captive may be established, when.
Section 379.1342 Trust fund required for branch captive insurance company.
Section 379.1344 Certificate for branch captive insurance companies.
Section 379.1346 Reports and statements of branch captive insurance companies to be filed with director.
Section 379.1348 Examination of branch captive insurance companies, limitations.
Section 379.1350 Applicability of tax to branch companies.
Section 379.1351 Sponsored captive insurance companies, may be formed by whom — definitions — requirements.
Section 379.1353 Definitions.
Section 379.1356 Inapplicability of insurance laws.
Section 379.1359 License application — requirements for transaction of business — licensure requirements — issuance of license, fee.
Section 379.1361 Plan of operation to be filed, contents.
Section 379.1364 License fee, amount.
Section 379.1367 Approval of application, findings by director.
Section 379.1370 Corporate status of company.
Section 379.1373 Limitation on activities and name — number of incorporators required.
Section 379.1376 Contract requirements.
Section 379.1379 Swap agreements permitted.
Section 379.1382 Issuance of securities — approved activities by director.
Section 379.1385 Management of assets.
Section 379.1388 Recognition of admitted assets — value of assets.
Section 379.1391 Prohibited acts.
Section 379.1394 Dividend-payments, limitations.
Section 379.1397 Changes in plan of operation, directors approval required.
Section 379.1400 Affiliated agreements to be filed with director.
Section 379.1403 Audited financial report required, requirements.
Section 379.1406 Examination required, when, procedure.
Section 379.1409 Record-keeping requirements.
Section 379.1412 Premium tax required, amount, procedure.
Section 379.1415 Confidentiality of records, exceptions.
Section 379.1418 Grounds for liquidation — granting of relief, management of assets.
Section 379.1421 Rulemaking authority.
Section 379.1500 Definitions.
Section 379.1505 Vendor license required — application, fee — termination date.
Section 379.1510 Authorization to sell, vendor responsibilities — eligibility and underwriting standards — supervising business entity to be appointed, purpose — training requirements — collection of charges.
Section 379.1515 Insurance producers act, applicability of.
Section 379.1520 Sanctioning of license, when — penalties, when.
Section 379.1525 Vendor investigation and examination requirements.
Section 379.1530 Premiums, received by insurer, when — proof of purchase, insurer may require.
Section 379.1535 Violations, director's authority.
Section 379.1540 Supervising business entity, sanctioning of license, when.
Section 379.1545 Insurers, permissible acts.
Section 379.1550 Rulemaking authority — effective date.
Section 379.1640 Self-service storage--definitions--offer of insurance, requirements--prohibited acts--limitation on policy amount--rulemaking authority.
Section 379.1700 Definitions.
Section 379.1702 Primary automobile insurance to be maintained, requirements — lapsed coverage, effect of — proof of insurance required.
Section 379.1704 Disclosure of insurance coverage, how made.
Section 379.1706 Disclosure statement — display.
Section 379.1708 Exclusions and limitations on coverage.