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.