What must the director do if they find it necessary for legal counsel?

The director has the authority and responsibility to ensure that legal matters are handled appropriately and effectively. When it is deemed necessary to involve legal counsel, the correct course of action is to employ counsel or request assistance from the attorney general. This ensures that the director has access to qualified legal expertise, which is essential for navigating complex legal issues that may arise in the regulation of insurance practices.

Involving legal counsel can help ensure that the director's decisions align with legal standards and protect the interests of consumers and the integrity of the insurance system. The attorney general’s office can provide valuable resources and guidance, especially in matters involving state regulations and legal frameworks specific to insurance.

The other options do not provide the comprehensive legal support needed in such situations. Consulting only private attorneys could limit available resources and may not guarantee adherence to state regulations. Waiting for an insurance policyholder to file a complaint is reactive rather than proactive, and thus may delay addressing important issues. Conducting examinations without legal counsel lacks the necessary legal oversight, which could lead to increased risks and potential violations.