Missouri § 379.1925 - Exclusions in motor vehicle liability insurance policies.

§ 379.1925. Exclusions in motor vehicle liability insurance policies.

1.  An authorized insurer that writes motor vehicle liability insurance in this state may exclude any and all coverage and the duty to defend or indemnify for any claim afforded under a shared vehicle owner's motor vehicle liability insurance policy including, but not limited to:

(1)  Liability coverage for bodily injury and property damage;

(2)  Personal injury protection coverage;

(3)  Uninsured and underinsured motorist coverage;

(4)  Medical payments coverage;

(5)  Comprehensive physical damage coverage; and

(6)  Collision physical damage coverage.

2.  Nothing in sections 379.1900 to 379.1970 invalidates or limits an exclusion contained in a motor vehicle liability insurance policy, including any insurance policy in use or approved for use that excludes coverage for motor vehicles made available for rent, sharing, or hire or for any business use.

3.  Nothing in sections 379.1900 to 379.1970 invalidates, limits, or restricts an insurer's ability under existing law to underwrite any insurance policy.  Nothing in sections 379.1900 to 379.1970 invalidates, limits, or restricts an insurer's ability under existing law to cancel and nonrenew policies.

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(L. 2025 H.B. 974, et al.)

Effective 1-01-26

---- end of effective  01 Jan 2026 ----

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