Missouri Revised Statutes

Mo. Rev. Stat. § 380.511 (2026)

Company exempt from insurance laws, exception

✓ current as of May 2026

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380.511. Company exempt from insurance laws, exception. — 1. Any company operating under sections 380.201 to 380.591 shall be exempt from all provisions of other insurance laws of this state except as otherwise specifically designated in this chapter. No law hereafter passed shall apply to any company operating under the provisions of sections 380.201 to 380.591 unless such law shall expressly declare that it is applicable to such company.

2. Any company operating under the provisions of sections 380.201 to 380.591^* writing automobile insurance, however, shall be subject to the provisions of sections 375.445, 375.936 to 375.948, 379.110 to 379.120, 379.203, 303.170, 303.180, 303.200 and 303.210 with respect to said business.

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(L. 1984 H.B. 1498)

Effective 1-01-85

*Section number "380.590" appears in original rolls.

Notes of Decisions

Cited in 5 cases (3 in the last 5 years), 1987–2025 · leading case: Overcast v. Billings Mut. Ins. Co., 11 S.W.3d 62 (Mo. 2000).

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Overcast v. Billings Mut. Ins. Co., 11 S.W.3d 62 (Mo. 2000). · cites it 4× “420, because section 380.511 provides that mutual insm’ance companies are not covered by section 375.”

Farmers' & Laborers' Co-Operative Ins. Ass'n v. Dir. of Revenue, 742 S.W.2d 141 (Mo. 1987). · cites it 2× “Section 380.511 provides: 1. Any company operating under sections 380.”

Lee v. State Farm Fire & Cas. Co. (E.D. Mo. 2023). · cites it 5× “§ 380.511 explicitly exempt Missouri Mutual Insurance companies from all other insurance laws of the state.”

Donald W. Ingrum, as Pers. Rep. of the Est. of Ralph M. Orthwein v. Cfm Ins., Inc. (Mo. Ct. App. 2024). · cites it 5× “1 See § 380.511. There is no dispute that Insurance Company is organized as a Chapter 380 mutual insurance company and received a Certificate of Authority from the Department of Insurance, Financial Institutions and Professional Registration ("the Department") to operate as a…”

Martin v. State Farm Ins. Co. (E.D. Mo. 2025). · cites it 3× “Section 380.511 of the Revised Statutes of Missouri provides: 1.”

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