The Missouri Automobile Insurance Plan (the Plan) was created pursuant to Sections 303.200 and 379.460 R.S. MO., to provide automobile insurance coverages to those eligible applicants who are unable to obtain coverage in the voluntary market.
Effective September 1, 2008, the Missouri Plan replaced the Missouri Joint Underwriting Association as the state's automobile insurance residual market mechanism.
All insurers writing automobile insurance in Missouri are required to participate in the MOAIP by subscribing to the Plan. All agent and brokers holding a valid license to transact automobile insurance in the state of Missouri are eligible to submit applications to the Plan.
Applicants must declare and certify that they have tried and failed to obtain automobile insurance in Missouri within the preceding 60 days and have been unable to obtain such insurance at rates not exceeding those applicable under the Plan. Applicants must also have a valid drivers license or be eligible to obtain one through a filing. For further information, consumers should consult their agent or broker.
AIPSO's home office in Johnston, Rhode Island will close at 12 noon (Eastern time) on Wednesday, June 28. Regional offices and Plan operations offices headquartered in Johnston will also close at that time. While the Rhode Island Service Center will close at noon, walk-in payments will continue to be accepted at the Johnston office during the afternoon of June 28.
AIPSO's home office will resume regular business hours on Thursday, June 29.
AIPSO's offices will observe the Independence Day holiday as follows:
AIPSO's New York Region office (New York City) and Western Region office (San Francisco) will be closed on Monday, July 3 and Tuesday, July 4.
AIPSO's home office and all of its remaining regional/remote offices will be closed on Tuesday, July 4.
All AIPSO offices will resume regular business hours on Wednesday, July 5.
On or about April 11, 2017, the Plan will be upgrading to EASi 2.0 for commercial submissions. Please see this document which highlights the benefits of this technical upgrade and provides helpful screenshots.