Mo. Rev. Stat. § 375.1005
Improper claims practice, conditions.
375.1005. Improper claims practice, conditions. — It is an improper claims practice for any domestic, foreign or alien insurer transacting business in this state to commit any of the acts defined in section 375.1007 if:
(1) It is committed in conscious disregard of sections 375.1000 to 375.1018 or any rules promulgated under sections 375.1000 to 375.1018 ; or
(2) It has been committed with such frequency to indicate a general business practice to engage in that type of conduct.
(L. 1991 S.B. 53 § 4)