Motorcycle Policy

PURPOSE: This regulation requires certain coverages on motorcycle insurance policies, pursuant to the provisions of sections 374.040, 374.045, 375.936, 379.110— 379.120, 379.203, 379.470, 379.475 and 379.480, RSMo. (1) Documents to be Filed with the Director of Insurance. All insurance companies licensed to write motorcycle insurance in Missouri shall file with the director of insurance copies of all motorcycle insurance policies, endorsements and renewal or other extension of coverage certificates which the company uses in Missouri. (2) Motorcycle Passengers’ Bodily Injuries Covered. Any policy of insurance providing bodily injury liability coverage for operators of motorcycles, motor scooters or other two (2)-wheeled motor vehicles licensed for highway use must offer medical payment coverage for operators and passenger liability coverage. If the insured declines this coverage, the declination must be written, either as a part of the application or as a separate document. AUTHORITY: sections 374.040, 374.045, 375.936, 379.110–379.120, 379.203, 379.470, 379.475 and 379.480, RSMo 1986.* This rule was previously filed as 4 CSR 190-17.020. Original rule filed April 7, 1975, effective April 17, 1975. *Original authority: 374.040, RSMo 1939, amended 1967; 374.045, RSMo 1967; 375.936, RSMo 1959, amended 1967, 1969, 1971, 1976, 1978; 379.110– 379.120, see Revised Statutes of Missouri; 379.203, RSMo 1967, amended 1971, 1972; 379.470, RSMo 1947; 379.475, RSMo 1947; and 379.480, RSMo 1947. Op. Atty. Gen. No. 159, Shear, 12-21-76. The requirements of section 379.120, RSMo (Supp. 1975) apply to insurers cancelling automobile insurance policies which have been in effect for less than sixty days.