Missouri Revised Statutes Chapter 379

What this document is

Missouri Revised Statutes Chapter 379 - Insurance Other Than Life: policy forms, fire and homeowners cancellation and nonrenewal, uninsured motorist coverage, rates, Missouri FAIR Plan (379.810 et seq.), transportation network companies (379.1702) and peer-to-peer car sharing (379.1900 et seq.) is a state statute published by Missouri Revisor of Statutes (revisor.mo.gov). It is one of the Missouri documents that insurance license exam questions are written from, including missouri property & casualty, missouri personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• Mo. Rev. Stat. Sec. 379.140.1 (Total loss of real property, full amount of policy less any deductible to be paid)

  “then the liability of the insurance company writing the policy shall be the amount of money for which the real property was insured, less any deductible, as specified in the policy.”

• Mo. Rev. Stat. Sec. 379.165 (Construction of warranties of fact made in application)

  “shall, if not material to the risk insured against, be deemed, held and construed as representations only”

• Mo. Rev. Stat. Sec. 379.190 (Failure to furnish blank forms deemed waiver)

  “If any such fire insurance company shall fail, neglect or refuse to furnish blank forms of statements and proofs of loss to the insured, in case of loss or damage by fire, as provided in section 379.185, then such company shall be deemed to have waived the requiring of any such statements or proofs...”

• Mo. Rev. Stat. Sec. 379.135.4 (Property damage claim, legal title to vest in insurer to extent of insurance payment, post-loss benefits, assignment agreements)

  “4. (1) A person shall not solicit or accept an assignment, in whole or in part, of any post-loss insurance benefit for property damage under a contract of insurance. An assignment agreement is against public policy and is null and void”

• Mo. Rev. Stat. Sec. 379.845.1 (Cancellation or nonrenewal)

  “1. The facility shall not cancel a policy or binder issued under the program without approval of the governing committee except in case of: (1) Evidence of incendiarism (meaning arson by or at the direction of the insured); or”

• Mo. Rev. Stat. Sec. 379.815(2) (Definitions)

  “"Basic property insurance", the coverage against direct loss to real and tangible personal property at a fixed location that is provided in the standard fire policy and extended coverage endorsement, including builders' risk, and such vandalism and malicious mischief endorsements, and such other...”

• Mo. Rev. Stat. Sec. 379.150 (Partial loss by fire, standard fire insurance policy language, option for settlement of loss)

  “It shall be optional with the company to settle the loss at the actual cash value or to repair, rebuild or replace the property destroyed or damaged with other of like kind or quality”

• Mo. Rev. Stat. Sec. 379.114.1 (Reasons for cancellation)

  “The driver's license of the named insured has been under suspension or revocation at any time during the policy period. Provided, however, in the event more than one person is named as insured and only one of the persons named has his driver's license suspended or revoked then such policy may not...”

• Mo. Rev. Stat. Sec. 379.118.1(3) (Notice of cancellation and renewals, due when)

  “The insurer's actual reason for taking such action, the statement of reason to be sufficiently clear and specific so that a person of average intelligence can identify the basis for the insurer's decision without further inquiry. Generalized terms such as "personal habits", "living conditions",...”

• Mo. Rev. Stat. Sec. 379.203.1 (Automobile liability policy, required provisions, uninsured motorist coverage required)

  “Such legal entitlement exists although the identity of the owner or operator of the motor vehicle cannot be established because such owner or operator and the motor vehicle departed the scene of the occurrence occasioning such bodily injury, sickness or disease, including death, before...”

• Mo. Rev. Stat. Sec. 379.203.2 (Automobile liability policy, required provisions, uninsured motorist coverage required)

  “For the purpose of this coverage, the term "uninsured motor vehicle" shall, subject to the terms and conditions of such coverage, be deemed to include an insured motor vehicle where the liability insurer thereof is unable to make payment with respect to the legal liability of its insured within the...”

• Mo. Rev. Stat. Sec. 379.1702.4 (Primary automobile insurance to be maintained, requirements)

  “If insurance maintained by a driver in subsection 2 or 3 of this section has lapsed or does not provide the required coverage, insurance maintained by a transportation network company shall provide the coverage required by this section beginning with the first dollar of a claim and shall have the...”

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More Missouri sources

• Missouri Rev. Stat. s. 375.014 - License required to act as insurance producerState statute
• Missouri Rev. Stat. s. 375.018 - Nonresident licenseState statute
• Missouri Rev. Stat. s. 375.141 - Grounds for license disciplineState statute
• Missouri Rev. Stat. s. 375.144 - Prohibited acts; misrepresentation and fraudState statute
• Missouri Rev. Stat. s. 375.936 - Unfair trade practices definedState statute
• Missouri Revised Statutes Chapter 375 - Provisions Applicable to All Insurance Companies, first third (Secs. 375.001-375.610)State statute
• Missouri Revised Statutes Chapter 375, second third (Secs. 375.620-375.1140)State statute
• Missouri Revised Statutes Chapter 375, final third (Secs. 375.1150-375.1803)State statute