Subject: Legal Notice: Repayment of Unearned Premiums — Missouri [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Defendant's Name] [Defendant's Address] [City, State, ZIP] Re: Repayment of Unearned Premiums from Insurance Policy [Policy Number] Dear [Defendant's Name], I hope this letter finds you well. I am writing to you as the insured party or the authorized representative of the insured regarding the repayment of unearned premiums from the aforementioned insurance policy. This correspondence serves as a notice of our legal entitlement and request for swift reimbursement of the unearned portion of the premium paid. Missouri law clearly defines the rights and protections afforded to insurance policyholders, particularly in cases where the policy is terminated prematurely or rescinded. According to the Missouri Revised Statutes, Section 379.582, in the case of cancellation or non-renewal of an insurance policy, the insured party is entitled to receive a refund of the unearned portion of premiums paid. We have recently become aware that the aforementioned insurance policy has been terminated [or rescinded] prior to its designated end date, resulting in the accrual of unearned premiums. Our calculation shows that we are entitled to receive a refund of [specify the amount]. To facilitate the repayment process, kindly issue a check or initiate an electronic fund transfer for the specified amount to the below account details: Bank Name: Account Holder: Account Number: Routing Number: Please note that under Missouri law, failure to return the unearned premiums within the stipulated timeframe from receiving this notice may result in additional penalties, interest, and potential legal action. Any delays or non-compliance with this request will leave us with no choice but to seek legal remedies to protect our rights as policyholders. To avoid any unnecessary escalation, we kindly request your prompt attention and timely reimbursement of the aforementioned unearned premiums. It is our utmost hope that this issue can be resolved amicably without resorting to any further legal measures. We anticipate your immediate response, confirming the repayment process and offering a specific timeframe within which we can expect to receive the refund. For any queries or further clarification regarding this matter, please do not hesitate to contact me via the details provided above. Thank you for your immediate attention to this urgent matter. Sincerely, [Your Name]