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Revised Statutes of Missouri

Chapter 385

Mo. Rev. Stat. ch. 385

Credit Insurance and Service Contracts

385.010Purpose clause 385.015Scope of law 385.020Definitions 385.025Credit life and accident insurance, form in which it shall be issued 385.030Amount of insurance permitted — payments, amount of, limited 385.035Term of policy, prepayment of debt, effect of 385.040Policy or group certificate, contents of, delivery required — policy or certificate not delivered, effect of 385.045Filings required to be made with director — disapproval by director, effect of — rules, procedure 385.050Revision of premium schedules, procedure for — refunds paid, when — limit on charge for credit life 385.055Who may issue credit life insurance 385.060Reporting and settlement of claims — who may adjust claims 385.065Debtor to be informed of his option to use existing policies of insurance as security — policy may be obtained from any licensed insurer 385.075Regulatory powers of director 385.080Credit life, accident and health insurance must be placed directly in companies holding a certificate of authority to do business in this state 385.200Definitions 385.202Issuance of contracts, criteria — registration required — duties of providers — exemption from state licensure 385.204Reimbursement insurance policies, requirements 385.205Delivery within commercially feasible time period — copy of contract to be delivered to consumer, when — violation, penalty 385.206Sale of contracts, prohibited acts--dealers not to be used as fronting companies--required contract contents--violations, penalty 385.207Business entity producer and individual producer licenses required — application requirements — issuance, renewal — rulemaking authority 385.208Deceptive practices 385.209Licensure sanctioning, when — notification by director, when — producer to notify director, when 385.210Record-keeping requirements 385.211Register of business entity producers to be maintained — inspection of list — updating of registry, when 385.212Termination, notice required 385.214Providers considered agents of insurer, when — indemnification and subrogation 385.216Investigations, administrative orders 385.218Rulemaking authority 385.220Inapplicability 385.300Definitions 385.302Registration required, fee — administrator authorized — provider requirements 385.304Reimbursement insurance policy requirements 385.306Contract requirements, contents 385.308Deceptive practices 385.310Record-keeping requirements 385.312Termination, notice required 385.314Providers considered agents of insurer, when — indemnification and subrogation 385.316Investigations, administrative orders 385.318Rulemaking authority 385.320Inapplicability 385.321Effective date for certain sections 385.400Citation of law 385.403Definitions 385.406Applicability, exceptions 385.409Registration required — records, content — fee — notice for failure to register 385.412Vehicle protection products, no offer for sale unless warrantor ensures adequate performance 385.415Warranty reimbursement insurance policy requirements 385.418Warranty requirements 385.421Warranty to contain cancellation terms and conditions — written notice of cancellation required 385.424Prohibited use of names and terms 385.427Record-keeping requirements 385.430Enforcement authority — administrative orders permitted 385.433Rulemaking authority 385.436Admissibility of failure to comply evidence 385.450Motor clubs — definitions — fees not subject to premium tax — inapplicability of certain insurance laws