Missouri Revised Statutes Title XXIV. Business and Financial Institutions § 379.121. Definitions

(1)“Adverse underwriting decision”, placement by an insurer or agent of a risk with a residual market mechanism, an unauthorized insurer or an insurer which specializes in substandard risks;

(2)“Insurer”, any insurance company, association or exchange authorized to issue policies of automobile insurance in the state of Missouri;

(3)“Policy”, an automobile policy providing automobile liability coverage, uninsured motorists coverage, automobile medical payments coverage or automobile physical damage coverage insuring a private passenger automobile owned by an individual or partnership.