375.1005. It is an improper claims practice for anydomestic, foreign or alien insurer transacting business in thisstate to commit any of the acts defined in section 375.1007 if:
(1) It is committed in conscious disregard of sections375.1000 to 375.1018 or any rules promulgated under sections375.1000 to 375.1018; or
(2) It has been committed with such frequency to indicatea general business practice to engage in that type of conduct.
(L. 1991 S.B. 53 ยง 4)