# Mo. Rev. Stat. § 375.003: 375.003 Notice of cancellation, how given — reinstatement, when

> Missouri · Statutes · In force

URL: https://www.frixlaw.com/law-library/statutes/STATE_MO_C375_S375.003

## Section

- **Citation:** Mo. Rev. Stat. § 375.003
- **Heading:** 375.003 Notice of cancellation, how given — reinstatement, when
- **Jurisdiction:** Missouri
- **Kind:** Statutes
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** MO Code / Chapter 375 / Section 375.003

## Text

375.003. Notice of cancellation, how given — reinstatement, when. — 1. Except as provided in subsection 2 of this section, no notice of cancellation of a policy to which section 375.002 applies shall be effective unless mailed or delivered by the insurer to the named insured at least thirty days prior to the effective date of cancellation.

2. Where cancellation is for nonpayment of premium at least ten days' notice of cancellation shall be given and such notice shall contain the following notice or notice substantially similar in bold conspicuous type: "THIS POLICY IS CANCELLED EFFECTIVE AT THE DATE AND TIME INDICATED IN THIS NOTICE. THIS IS THE FINAL NOTICE OF CANCELLATION WE WILL SEND PRIOR TO THE EFFECTIVE DATE AND TIME OF CANCELLATION INDICATED IN THIS NOTICE.".

3. The notice shall state the insurer's actual reason for proposing the action, the statement of reason to be sufficiently clear and specific so that a person of average intelligence can identify the basis for the insurer's decision without further inquiry. Generalized terms such as "personal habits", "living conditions", or "poor morals" shall not suffice to meet the requirements of this subsection. The notice shall also state that the insured may be eligible for insurance through the Missouri basic property insurance inspection and placement program.

4. Issuance of a notice of cancellation under subsection 1 or 2 of this section constitutes a present and unequivocal act of cancellation of the policy.

5. An insurer may reinstate a policy cancelled under subsection 1 or 2 of this section at any time after the notice of cancellation is issued if the reason for the cancellation is remedied. An insurer may send communications to the insured, including but not limited to billing notices for past due premium, offers to reinstate the policy if past due premium is paid, notices confirming cancellation of the policy, or billing notices for payment of earned but unpaid premium. The fact that a policy may be so reinstated or any such communication may be made does not invalidate or void any cancellation effectuated under subsection 1 or 2 of this section or defeat the present and unequivocal nature of acts of cancellation as described under subsection 4 of this section.

6. This section shall not apply to nonrenewal.

(L. 1977 S.B. 300 § 3, A.L. 2014 S.B. 691)

## Nearby sections

- [Mo. Rev. Stat. § 375.001 375.001 Definitions.](https://www.frixlaw.com/law-library/statutes/STATE_MO_C375_S375.001.md)
- [Mo. Rev. Stat. § 375.002 375.002 Grounds for cancellation.](https://www.frixlaw.com/law-library/statutes/STATE_MO_C375_S375.002.md)
- [Mo. Rev. Stat. § 375.003 375.003 Notice of cancellation, how given — reinstatement, when.](https://www.frixlaw.com/law-library/statutes/STATE_MO_C375_S375.003.md)
- [Mo. Rev. Stat. § 375.004 375.004 Refusal to renew, when authorized — exemption, when.](https://www.frixlaw.com/law-library/statutes/STATE_MO_C375_S375.004.md)
- [Mo. Rev. Stat. § 375.005 375.005 Proof of notice, how made.](https://www.frixlaw.com/law-library/statutes/STATE_MO_C375_S375.005.md)
- [Mo. Rev. Stat. § 375.006 375.006 Immunity from liability granted, when, to whom.](https://www.frixlaw.com/law-library/statutes/STATE_MO_C375_S375.006.md)
- [Mo. Rev. Stat. § 375.007 375.007 Cancellation or refusal to issue policy on certain grounds prohibited, ...](https://www.frixlaw.com/law-library/statutes/STATE_MO_C375_S375.007.md)
- [Mo. Rev. Stat. § 375.008 375.008 Certain insurers exempt.](https://www.frixlaw.com/law-library/statutes/STATE_MO_C375_S375.008.md)
- [Mo. Rev. Stat. § 375.011 375.011 Notice of cancellation, nonrenewal, renewal, or refusal to write, may be ...](https://www.frixlaw.com/law-library/statutes/STATE_MO_C375_S375.011.md)
- [Mo. Rev. Stat. § 375.012 375.012 Definitions.](https://www.frixlaw.com/law-library/statutes/STATE_MO_C375_S375.012.md)
- [Mo. Rev. Stat. § 375.013 375.013 Promulgation of rules, generally, this chapter.](https://www.frixlaw.com/law-library/statutes/STATE_MO_C375_S375.013.md)
- [Mo. Rev. Stat. § 375.014 375.014 Insurance producers, license required — insurance producer license not ...](https://www.frixlaw.com/law-library/statutes/STATE_MO_C375_S375.014.md)
- [Mo. Rev. Stat. § 375.015 375.015 Application for licensure, insurance producers.](https://www.frixlaw.com/law-library/statutes/STATE_MO_C375_S375.015.md)
- [Mo. Rev. Stat. § 375.016 375.016 Examination required for insurance producer's license.](https://www.frixlaw.com/law-library/statutes/STATE_MO_C375_S375.016.md)

---

Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_MO_C375_S375.003. Check the current official text before relying on it. Not legal advice.