No insurer shall, without just cause, refuse to pay or settle claims arising under coverages provided by its policies in this state and with such frequency as to indicate a general business practice in this state, which general business practice is evidenced by: (1) A substantial increase in the number of complaints against the insurer received by the Insurance Department; (2) A substantial increase in the number of lawsuits against the insurer or its insureds by claimants; and (3) Other relevant evidence.
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