Mo. Rev. Stat. § 387.419

A TNC shall, prior to providing a TNC driver with access to the TNC's digital network, notify such driver that he or she may have a contractual obligation to include the TNC as a loss payee on the driver's motor vehicle insurance policy required to be carried under chapter 303. The TNC driver, once notified, shall take any steps necessary to satisfy the requirements of such driver's insurance contract.