SECONDREGULARSESSION
HOUSECOMMITTEESUBSTITUTEFOR
HOUSEBILLNO.2168
101STGENERALASSEMBLY
4926H.02C DANARADEMANMILLER,ChiefClerk
ANACT
Torepealsection379.011,RSMo,andtoenactinlieuthereofonenewsectionrelatingtothe
deliveryofdocumentsrequiredforinsurancetransactions.
BeitenactedbytheGeneralAssemblyofthestateofMissouri,asfollows:
SectionA.Section379.011,RSMo,isrepealedandonenewsectionenactedinlieu
2thereof,tobeknownassection379.011,toreadasfollows:
379.011.1.Asusedinthissection,thefollowingtermsmean:
2 (1)"Deliveredbyelectronicmeans",includesdeliverytoanelectronicmailaddressat
3whichapartyhasconsentedtoreceivenoticesordocuments,orpostingonanelectronic
4networkorsiteaccessibleviatheinternet,mobileapplication,computer,mobiledevice,
5tablet,oranyotherelectronicdevice,togetherwithaseparatenoticetoapartydirectedtothe
6electronicmailaddressatwhichthepartyhasconsentedtoreceivenoticeoftheposting;
7 (2)"Party",anyrecipientofanynoticeordocumentrequiredaspartofaninsurance
8transaction,includingbutnotlimitedtoanapplicant,aninsuredorapolicyholder.
9 2.Subjecttosubsection3ofthissection,anynoticetoapartyoranyotherdocument
10requiredunderapplicablelawinaninsurancetransactionorthatistoserveasevidenceof
11insurancecoveragemaybedelivered,stored,andpresentedbyelectronicmeanssolongasit
12meetstherequirementsofsections432.200to432.295.Deliveryofanoticeordocumentin
13accordancewiththissubsectionshallbeconsideredequivalenttoanydeliverymethod
14requiredunderapplicablelaw,includingdeliverybyfirstclassmail,firstclassmailpostage
15prepaid,certifiedmail,orcertificateofmailing.
16 3.Anoticeordocumentmaybedeliveredbyelectronicmeansbyaninsurertoa
17partyunderthis[subsection] sectionif:
EXPLANATION—Matterenclosedinbold-facedbrackets[thus] intheabovebillisnotenactedandis
intendedtobeomittedfromthelaw.Matterinbold-facetypeintheabovebillisproposedlanguage. 18 (1)Thepartyhasaffirmativelyconsentedtothatmethodofdeliveryandhasnot
19withdrawntheconsent;
20 (2)Theparty,beforegivingconsent,isprovidedwithaclearandconspicuous
21statementinformingthepartyof:
22 (a)Anyrightoroptiontohavethenoticeordocumentprovidedinpaperoranother
23nonelectronicformatnoadditionalcost;
24 (b)Therightofthepartytowithdrawconsenttohaveanoticeordocumentdelivered
25byelectronicmeans;
26 (c)Whethertheparty'sconsentappliesonlytotheparticulartransactionastowhich
27thenoticeordocumentmustbegivenortoidentifiedcategoriesofnoticesordocumentsthat
28maybedeliveredbyelectronicmeansduringthecourseoftheparties'relationship;
29 (d)Themeans,afterconsentisgiven,bywhichapartymayobtainapapercopyofa
30noticeordocumentdeliveredbyelectronicmeansatnoadditionalcost;and
31 (e)Theprocedureapartymustfollowtowithdrawconsenttohaveanoticeor
32documentdeliveredbyelectronicmeansandtoupdateinformationneededtocontactthe
33partyelectronically;
34 (3)Theparty,beforegivingconsent,isprovidedwithastatementofthehardwareand
35softwarerequirementsforaccesstoandretentionofanoticeordocumentdeliveredby
36electronicmeansandconsentselectronically,andconfirmsconsentelectronically,inamanner
37thatreasonablydemonstratesthatthepartycanaccessinformationintheelectronicformthat
38willbeusedfornoticesordocumentsdeliveredbyelectronicmeansastowhichthepartyhas
39givenconsent;and
40 (4)Afterconsentofthepartyisgiven,theinsurer,intheeventachangeinthe
41hardwareorsoftwarerequirementsneededtoaccessorretainanoticeordocumentdelivered
42inelectronicmeanscreatesamaterialriskthatthepartywillnotbeabletoaccessorretaina
43subsequentnoticeordocumenttowhichtheconsentapplies:
44 (a)Providesthepartywithastatementoftherevisedhardwareandsoftware
45requirementsforaccesstoandretentionofanoticeordocumentdeliveredbyelectronic
46meansandoftherightofthepartytowithdrawconsentpursuanttoparagraph(b)of
47subdivision(2)ofthissubsection;and
48 (b)Complieswithsubdivision(2)ofthissubsection.
49 4.Ifapolicyofinsuranceispurchasedthroughtheinternet,amobile
50application,acomputer,amobiledevice,atablet,oranyotherelectronicdeviceor
51platformorifapolicyofinsuranceisinitiallydeliveredbyelectronicmeans,aparty
52shallbeconsideredtohaveaffirmativelyconsentedtohaveallfuturenoticesand
53documentsrelatedtothepolicyorclaimsthereunderdeliveredbyelectronicmeans.
HCSHB2168 2 54Nothinginthissubsectionshallaffecttherightofapartyunderthissectiontowithdraw
55theparty'sconsenttohaveanoticeordocumentdeliveredbyelectronicmeans.
56 5.Thissectiondoesnotaffectrequirementsrelatingtocontentortimingofanynotice
57ordocumentrequiredunderapplicablelaw.Ifanyprovisionofapplicablelawrequiringa
58noticeordocumenttobeprovidedtoapartyexpresslyrequiresverificationor
59acknowledgmentofreceiptofthenoticeordocument,thenoticeordocumentmaybe
60deliveredbyelectronicmeansonlyifthemethodusedprovidesforverificationor
61acknowledgmentofreceipt.Absentverificationoracknowledgmentofreceiptoftheinitial
62noticeordocumentonthepartoftheparty,theinsurershallsendtwosubsequentnoticesor
63documentsatintervalsoffivebusinessdays.Thelegaleffectiveness,validity,or
64enforceabilityofanycontractorpolicyofinsuranceexecutedbyapartymaynotbemade
65contingentuponobtainingelectronicconsentorconfirmationofconsentofthepartyin
66accordancewithsubdivision(3)ofsubsection3ofthissection.
67 [5.]6.Awithdrawalofconsentbyapartydoesnotaffectthelegaleffectiveness,
68validity,orenforceabilityofanoticeordocumentdeliveredbyelectronicmeanstotheparty
69beforethewithdrawalofconsentiseffective.Awithdrawalofconsentbyapartyiseffective
70withinthirtydaysafterreceiptofthewithdrawalbytheinsurer.Failurebyaninsurerto
71complywithsubdivision(4)ofsubsection3ofthissectionmaybetreated,attheelectionof
72theparty,asawithdrawalofconsentforpurposesofthissection.
73 [6.]7.Thissectiondoesnotapplytoanoticeordocumentdeliveredbyaninsurerin
74anelectronicformbeforeAugust28,2013,toapartywho,beforethatdate,hasconsentedto
75receivenoticesordocumentsinanelectronicformotherwiseallowedbylaw.Iftheconsent
76ofapartytoreceivecertainnoticesordocumentsinanelectronicformisonfilewithan
77insurerbeforeAugust28,2013,andpursuanttothissection,aninsurerintendstodeliver
78additionalnoticesordocumentstosuchpartyinanelectronicform,thenpriortodelivering
79suchadditionalnoticesordocumentselectronically,theinsurershallnotifythepartyof:
80 (1)Thenoticesordocumentsthatmaybedeliveredbyelectronicmeansunderthis
81sectionthatwerenotpreviouslydeliveredelectronically;and
82 (2)Theparty'srighttowithdrawconsenttohavenoticesordocumentsdeliveredby
83electronicmeans.
84 [7.]8.Apartywhodoesnotconsenttodeliveryofnoticesordocumentsunder
85subsection3ofthissection,orwhowithdrawstheirconsent,shallnotbesubjecttoany
86additionalfeesorcostsforhavingnoticesordocumentsprovidedormadeavailabletothem
87inpaperoranothernonelectronicform.
88 [8.]9.Ifanyprovisionofapplicablelawrequiresasignatureornoticeordocumentto
89benotarized,acknowledged,verified,ormadeunderoath,therequirementissatisfiedifthe
90electronicsignatureofthepersonauthorizedtoperformthoseacts,togetherwithallother
HCSHB2168 3 91informationrequiredtobeincludedbytheprovision,isattachedtoorlogicallyassociated
92withthesignature,notice,ordocument.
93 [9.]10.Thissectionmaynotbeconstruedtomodify,limit,orsupercedethe
94provisionsofsections354.442,376.1450,or432.200to432.295.Theprovisionsofthis
95sectionshallapplytonoticesanddocumentsissuedbyinsurersorganizedunderthischapter
96orchapter380andtonoticesanddocumentsrelatingtolifeinsuranceproductsissuedby
97insurersorganizedunderchapter376.
98 [10.]11.Nothinginthissectionshallpreventaninsurerfromofferingadiscounttoan
99insuredwhoelectstoreceivenoticesanddocumentselectronicallyinaccordancewiththis
100section.
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HCSHB2168 4