379.120. Explanation of refusal to write a policy, how given, contents. - Missouri Statutes

Explanation of refusal to write a policy, how given, contents.

379.120. If any insurer refuses to write a policy ofautomobile insurance, it shall, within thirty days after suchrefusal, send a written explanation of such refusal to theapplicant at his last known address by certified mail orcertificate of mailing. The explanation shall state:

(1) The insurer's actual reason for refusing to write thepolicy, the statement of reason to be sufficiently clear andspecific so that a person of average intelligence can identifythe basis for the insurer's decision without further inquiry.Generalized terms such as "personal habits", "living conditions","poor morals", or "violation or accident record" shall notsuffice to meet the requirements of this subdivision;

(2) That the applicant may be eligible for insurancethrough the assigned risk plan if other insurance is notavailable.

(L. 1973 H.B. 354 § 6, A.L. 1974 S.B. 572, A.L. 1992 S.B. 831)

Effective 1-1-93