Modifies provisions relating to settlement demands to liability insurers

This bill modifies how liability insurers in Missouri must respond to settlement offers made by injured parties. It establishes specific requirements for a settlement demand to be considered a "reasonable opportunity to settle," such as being sent via certified mail, remaining open for at least 90 days, and including detailed information about injuries, payments, and released parties. To support these demands, claimants must also provide lists of healthcare providers and employers along with authorizations for the insurer to access relevant records. If a settlement offer does not meet these new standards, it cannot be used by an insurer to argue that they reasonably tried to resolve the claim before facing extracontractual damages. Additionally, the bill prevents these rules from applying to settlement demands made within 90 days of a jury trial.