Welcome to the Missouri Joint Underwriting Association homepage.

• Effective September 1, 2008, the Missouri Automobile Insurance Plan replaced the Missouri Joint Underwriting Association as the state’s automobile insurance residual market mechanism.



• A New Missouri Plan website is now available and can be accessed at www.aipso.com/mx Electronic and PDF versions of the new mechanism’s Plan of Operation and Manual of Rules and Rates are available for downloading from this site.



• Companies licensed to write auto insurance in Missouri are eligible to receive private passenger auto applications for insurance from the Plan on or about September 1, 2008. Assignments to each company are based on the proportion of private passenger auto business it wrote voluntarily in Missouri during the second prior year. Statistical agent data for calendar year 2006 is being used to establish each company’s quota of Plan business for risk assignment purposes in 2008.



• A subscriber questionnaire has been mailed to all companies licensed to write automobile insurance in Missouri. This questionnaire must be completed and returned promptly to AIPSO in order to (1) calculate assignment quotas and compile assignment information for each subscriber to the Missouri Plan, and (2) position the Plan for the selection of its Governing Committee. Upon receipt of a completed questionnaire, AIPSO will forward to each subscriber company the Missouri AIP’s Plan of Operation, and its Manual of Rules and Rates.



• Expected Plan volume, based on the Missouri Joint Underwriting Association volume of the past few years, is estimated at 75-100 assignments per year. The Missouri AIP’s Plan of Operation provides companies with the option to “buy out” from their statutory obligations to write and service Plan private passenger policyholders through a Limited Assignment Distribution (LAD). A solicitation for companies interested in serving as a LAD servicing company was previously issued, and in March 2008 the Plan Governing Committee at its March 7, 2008 meeting approved the appointment of State Farm Mutual Insurance Company as the Plan’s LAD servicing company.
  
  Detailed information concerning the LAD Program and 2008 quota distribution was previously distributed to subscribers. For additional information on the LAD Program, please refer to circular CIR (MX) 08-04 dated March 19, 2008, which can be accessed by clicking on the “Online Circulars” link at left. While the circular indicates an expired response date, companies still have the opportunity to submit LAD buyout agreements.



• The Plan’s Commercial Automobile Insurance Procedure (CAIP) will serve as the mechanism for the pooling of premiums, losses, and expenses for Plan commercial auto business. Member companies will participate in operating results for a period of 11 years, or until the policy year is closed. Commercial applications received by the Plan will be forwarded to National Continental Insurance Company, the CAIP servicing carrier appointed by the Plan’s Governing Committee.



• All producers holding a valid license to transact automobile insurance in the state of Missouri are eligible to be registered to submit applications to the AIP. Plan staff hosted a series of seminars designed to provide detailed instruction on the submission of applications to the Plan, use of the EASi system, and other Plan policies and procedures. The material presented at the seminars can be found under the “MO AIP Home” link to the left.



• A Private Passenger Policy Forms and Endorsements Portfolio, a Commercial Policy Forms and Endorsements Portfolio, Symbol and Identification Manual, and the Accounting and Statistical Manual for the new Missouri Plan are now available under the “Policy Forms and Endorsements” link. Access to the Forms and Endorsement Portfolios and the Symbol and Identification Manual is available to registered users. AIPSO provides the Online Policy Forms & Endorsements only to licensed producers, subscriber companies, and state insurance regulators who participate in the automobile insurance residual market and who are registered to access the website. Customers who are registered to use the AIPSO ISO Symbols & dentification Manuals may access the Online Policy Forms & Endorsements using their Symbols registration information. First-time users may register by clicking here.
  
  Questions about the new mechanism may be directed tom MOAip@aipso.com or (888) 706-6100.