Missouri Revised Statutes













Chapter 379

Insurance Other Than Life

←379.121

Section 379.122.1

379.123→

August 28, 2015

Refusal to issue policy based on the lack of prior motor vehicle coverage prohibited, when.

379.122. 1. No insurer shall refuse to write a policy for an applicant

or base an adverse underwriting decision solely on the fact that the

applicant has never purchased such a policy of motor vehicle insurance where

the lack of motor vehicle insurance coverage is due to the applicant serving

in the armed services and the applicant has not operated a motor vehicle in

violation of any financial responsibility or compulsory insurance requirement

within the past twelve months.



2. No insurer shall refuse to write a policy for an applicant or base an

adverse underwriting decision solely on the fact that the applicant has not

owned or been covered by such a policy of motor vehicle insurance during any

specified period immediately preceding the date of application where the lack

of motor vehicle insurance coverage is due to the applicant serving in the

armed services and the applicant has not operated a motor vehicle in

violation of any financial responsibility or compulsory insurance requirement

within the past twelve months. Nothing in this subsection shall prohibit an

insurer from giving a discount for such an applicant that has been covered by

a policy of insurance during such a specified period.



3. Nothing in this section shall prohibit an insurer from basing an

adverse underwriting decision on an applicant's previous driving record where

such record indicates that the applicant is a substandard risk.



4. In order to establish compliance with this section, an insurer may

require any applicant claiming to meet the criteria of subsection 1 or 2 of

this section to provide proof of eligibility in a manner as the insurer may

prescribe.



(L. 2001 S.B. 151)



*Transferred 2004; formerly 379.126





Revisor Transfer



(Transferred now: 379.000.0122)



The Revisor Transferred this section from 379.000.0126



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