379.118. 1. If any insurer proposes to cancel or to refuse to renewa policy of automobile insurance delivered or issued for delivery in thisstate except at the request of the named insured or for nonpayment ofpremium, it shall, on or before thirty days prior to the proposed effectivedate of the action, send written notice by certificate of mailing of itsintended action to the named insured at his last known address. The noticeshall state:
(1) The proposed action to be taken;
(2) The proposed effective date of the action;
(3) The insurer's actual reason for proposing to take such action,the statement of reason to be sufficiently clear and specific so that aperson of average intelligence can identify the basis for the insurer'sdecision without further inquiry. Generalized terms such as "personalhabits", "living conditions", "poor morals", or "violation or accidentrecord" shall not suffice to meet the requirements of this subdivision;
(4) That the insured may be eligible for insurance through theassigned risk plan if his insurance is to be canceled.
2. An insurer shall send an insured written notice of an automobilepolicy renewal at least fifteen days prior to the effective date of the newpolicy. The notice shall be sent by first class mail or may be sentelectronically if requested by the policyholder, and shall contain theinsured's name, the vehicle covered, the total premium amount, and theeffective date of the new policy. Any request for electronic delivery ofrenewal notices shall be designated on the application form signed by theapplicant, made in writing by the policyholder, or made in accordance withsections 432.200 to 432.295, RSMo. The insurer shall comply with anysubsequent request by a policyholder to rescind authorization forelectronic delivery and to elect to receive renewal notices by first classmail. Any delivery of a renewal notice by electronic means shall notconstitute notice of cancellation of a policy even if such notice isincluded with the renewal notice.
379.118. 1. If any insurer proposes to cancel or to refuse to renewa policy of automobile insurance delivered or issued for delivery in thisstate except at the request of the named insured or for nonpayment ofpremium, it shall, on or before thirty days prior to the proposed effectivedate of the action, send written notice by certificate of mailing of itsintended action to the named insured at his last known address. The noticeshall state:
(1) The proposed action to be taken;
(2) The proposed effective date of the action;
(3) The insurer's actual reason for proposing to take such action,the statement of reason to be sufficiently clear and specific so that aperson of average intelligence can identify the basis for the insurer'sdecision without further inquiry. Generalized terms such as "personalhabits", "living conditions", "poor morals", or "violation or accidentrecord" shall not suffice to meet the requirements of this subdivision;
(4) That the insured may be eligible for insurance through theassigned risk plan if his insurance is to be canceled.
2. An insurer shall send an insured written notice of an automobilepolicy renewal at least fifteen days prior to the effective date of the newpolicy. The notice shall be sent by first class mail or may be sentelectronically if requested by the policyholder, and shall contain theinsured's name, the vehicle covered, the total premium amount, and theeffective date of the new policy. Any request for electronic delivery ofrenewal notices shall be designated on the application form signed by theapplicant, made in writing by the policyholder, or made in accordance withsections 432.200 to 432.295, RSMo. The insurer shall comply with anysubsequent request by a policyholder to rescind authorization forelectronic delivery and to elect to receive renewal notices by first classmail. Any delivery of a renewal notice by electronic means shall notconstitute notice of cancellation of a policy even if such notice isincluded with the renewal notice.
379.118. 1. If any insurer proposes to cancel or to refuse to renewa policy of automobile insurance delivered or issued for delivery in thisstate except at the request of the named insured or for nonpayment ofpremium, it shall, on or before thirty days prior to the proposed effectivedate of the action, send written notice by certificate of mailing of itsintended action to the named insured at his last known address. The noticeshall state:
(1) The proposed action to be taken;
(2) The proposed effective date of the action;
(3) The insurer's actual reason for proposing to take such action,the statement of reason to be sufficiently clear and specific so that aperson of average intelligence can identify the basis for the insurer'sdecision without further inquiry. Generalized terms such as "personalhabits", "living conditions", "poor morals", or "violation or accidentrecord" shall not suffice to meet the requirements of this subdivision;
(4) That the insured may be eligible for insurance through theassigned risk plan if his insurance is to be canceled.
2. An insurer shall send an insured written notice of an automobilepolicy renewal at least fifteen days prior to the effective date of the newpolicy. The notice shall be sent by first class mail or may be sentelectronically if requested by the policyholder, and shall contain theinsured's name, the vehicle covered, the total premium amount, and theeffective date of the new policy. Any request for electronic delivery ofrenewal notices shall be designated on the application form signed by theapplicant, made in writing by the policyholder, or made in accordance withsections 432.200 to 432.295, RSMo. The insurer shall comply with anysubsequent request by a policyholder to rescind authorization forelectronic delivery and to elect to receive renewal notices by first classmail. Any delivery of a renewal notice by electronic means shall notconstitute notice of cancellation of a policy even if such notice isincluded with the renewal notice.
