The proposed bill amends chapter 379 of the Revised Statutes of Missouri by adding two new sections, 379.965 and 379.967, which establish insurance coverage requirements related to incidents involving firearm discharges. Section 379.965 defines key terms such as "covered policy," "firearm discharge incident," "insured," and "insurer." It mandates that insurers offering homeowners', dwelling-owners', or renters' insurance policies must provide coverage for reasonable increases in living expenses incurred due to a firearm discharge incident that renders the insured property temporarily uninhabitable. The bill outlines the types of expenses covered, the limits on coverage, and the conditions under which coverage applies, including the requirement for insured individuals to notify their insurer promptly and provide documentation of expenses. Section 379.967 addresses coverage requirements for insured motor vehicles involved in firearm discharge incidents. It stipulates that if a homicide occurs inside an insured vehicle due to a firearm discharge, the damage will be treated as a covered loss, and insurers must evaluate the total loss considering various factors. Additionally, any damage to the vehicle from a firearm discharge incident must be eligible for repair coverage under the existing policy. The section clarifies that insurers are not required to provide new coverages beyond what is already included in the policyholder's selected coverage. The bill also grants the director of the department of commerce and insurance the authority to create necessary rules for the administration of these sections.

Statutes affected:
Introduced (6882H.02): 379.965, 379.967