Mo. Rev. Stat. § 375.978: Secured claim, may file as general creditor, may resort to security, deficiency treated, how.

The owner of a secured claim against an insurer for which a receiver has been appointed in this or any other state may surrender his security and file his claim as a general creditor, or the claim may be discharged by resort to the security, in which case the deficiency, if any, shall be treated as a claim against the general assets of the insurer on the same basis as claims of unsecured creditors. The amount of such delinquency shall be ascertained and determined in the delinquency proceeding in the domiciliary state of such insurer.