Section 3 treats it as an improper claims practice when any insurer doing business in the State, whether domestic, foreign or alien, to do any of the things section 4 lists where it does so flagrantly, consciously disregarding the Act or its regulations, or so often that the conduct amounts to a general business practice. Insurers therefore track claim-handling exceptions in aggregate: a single late acknowledgement is a defect, a pattern is a violation, and market conduct examiners test for the pattern.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.