Mo. Rev. Stat. § 375.934
Unfair trade practices — conditions.
375.934. Unfair trade practices — conditions. — It is an unfair trade practice for any insurer to commit any practice defined in section 375.936 if:
(1) It is committed in conscious disregard of sections 375.930 to 375.948 or of any rules promulgated under sections 375.930 to 375.948 ; or
(2) It has been committed with such frequency to indicate a general business practice to engage in that type of conduct.
(L. 1959 H.B. 251 § 3, A.L. 1978 H.B. 1447, A.L. 1991 S.B. 53)