HB 1151 -- Motor Vehicle Liability Insurance Policies

Sponsor:  Kander

This bill requires all motor vehicle liability insurance policies
delivered or issued after January 1, 2010, to include uninsured
and underinsured motorist coverage equal to the coverage provided
under the insured individual's primary policy for bodily injury
or sickness or disease including death.  The insured individual
has the right to reject, in writing, the uninsured and
underinsured motorist coverage that is in excess of the minimum
liability coverage for bodily injury or death required for motor
vehicles.  An underinsured motorist coverage insurer will have
subrogation rights.

Any insurer can provide for the exclusion or limitation of
coverage:

(1)  When the insured is occupying or struck by an uninsured
motor vehicle or trailer or provided for the insured's regular
use;

(2)  When the uninsured automobile is owned by a self-insurer or
any governmental entity;

(3)  When there is no evidence of physical contact with the
uninsured motor vehicle and the facts of the accident cannot be
proven by a disinterested witness not making a claim;

(4)  To the extent that workers' compensation benefits apply;

(5)  When a suit is filed against the uninsured motorist without
notice to the insurance carrier; and

(6)  To the extent that personal injury protection benefits
apply.

Missouri House of Representatives
95th General Assembly, 1st Regular Session
Last Updated November 17, 2009 at 9:26 am