Mo. Rev. Stat. » Chapter 364
Missouri Revised Statutes

Mo. Rev. Stat. § 364.135 (2026)

Return of unearned premiums on cancellation of financed contract

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  364.135.  Return of unearned premiums on cancellation of financed contract — time allowed. — Whenever a financed insurance contract is cancelled, the insurer shall return whatever gross unearned premiums are due under the insurance contract directly to the premium finance company for the account of the insured or insureds as soon as reasonably possible, but in no event later than sixty days after the effective date of cancellation.  In the event that the crediting of return premiums to the account of the insured results in a surplus over the amount due from the insured, the premium finance company shall refund such excess to the insured, provided that no such refund shall be required if it amounts to less than one dollar.

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(L. 1984 S.B. 686 § 8)

Notes of Decisions
Cited in 2 cases, 1993–1993 · leading case: Imperial Premium Fin., Inc. v. Northland Ins. Co., 861 S.W.2d 596 (Mo. Ct. App. 1993).
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Imperial Premium Fin., Inc. v. Northland Ins. Co., 861 S.W.2d 596 (Mo. Ct. App. 1993). · cites it 14× “Count I of the petition pleads the theory of recovery that the failure of the defendants to return the unearned premium was a violation of § 364.135, RSMo 1986, and constituted negligence per se.”
Atlanta Cas. Co. v. Hershberger, 849 S.W.2d 597 (Mo. Ct. App. 1993). · cites it 2× “§ 364.135, RSMo 1986. From the point of cancellation, Atlanta Casualty was no longer “fully paid,” and the trial court erred in finding otherwise.”
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