Missouri Appellate Court Examines Requirements for Insurers Regarding Notice for Non-Renewal of Policies

Plaintiffs were injured in a January 30, 2020 motor vehicle accident, but their insurer, Farm Bureau Town and Country, denied coverage, asserting the policy had been non-renewed before the accident. Although Farm Bureau claimed it mailed a timely non-renewal notice, Plaintiffs later received declaration sheets and insurance cards indicating coverage on the accident date. The trial court granted summary judgment for Farm Bureau, but the Missouri Court of Appeals reversed, holding that Farm Bureau failed to comply with the statutory mailing requirements for non-renewal and that conflicting evidence regarding coverage created a genuine issue of material fact for a jury.