Bill > SB312

This bill modifies Missouri law regarding settlement demands in personal injury, bodily injury, or wrongful death cases by establishing new requirements for how such demands must be made to liability insurers. The bill redefines key terms, including replacing "time-limited demand" with "settlement demand" and clarifying what constitutes extracontractual damages. Now, a settlement demand must be in writing, sent by certified mail, and remain open for at least 90 days, and must include specific material terms such as the settlement amount, loss details, description of injuries, and claims to be released. The demand must also be accompanied by healthcare provider and employer information, along with appropriate authorizations to obtain medical and employment records. The bill stipulates that if an insurer receives a compliant settlement demand, they must have at least 90 days to accept it, and the claimant can require payment within at least 10 days of receiving a fully executed release. Notably, the bill excludes demands made within 90 days of a trial and specifies that non-compliant demands cannot be used as evidence in lawsuits alleging extracontractual damages against the liability insurer.

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https://www.senate.mo.gov/25info/BTS_Web/Bill.aspx?SessionType=R&BillID=160