Whenever the director shall have reason to believe that any person or insurer has been engaged or is engaging in this state in any unfair method of competition or any unfair or deceptive act or practice in violation of sections 375.930 to 375.948 , and that a proceeding by the director in respect thereto would be to the interest of the public, the director shall issue and serve upon such person or insurer a statement of the charges under the procedures set forth in section 374.046 .
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