Auto Physical Damage
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
91,185
34,644
125,829
27.53%
23.88%
2024
85,578
31,792
117,370
27.09%
23.31%
2023
85,605
30,739
116,344
26.42%
22.83%
2022
78,241
27,882
106,123
26.27%
23.10%
2021
81,812
27,833
109,645
25.38%
22.81%
2020
70,064
21,278
91,342
23.29%
21.51%
Commercial Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
1,559
1,603
3,162
50.70%
49.08%
2024
1,693
1,795
3,488
51.46%
47.46%
2023
1,785
1,824
3,609
50.54%
47.29%
2022
1,718
1,797
3,515
51.12%
45.44%
2021
1,456
1,421
2,877
49.39%
44.40%
2020
1,161
990
2,151
46.03%
42.45%
Commercial Multiple Peril
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
15
10
25
40.00%
42.44%
2024
13
6
19
31.58%
41.75%
2023
6
2
8
25.00%
38.64%
2022
5
1
6
16.67%
39.39%
2021
2
0
2
0.00%
40.41%
2020
0
0
0
0.00%
48.09%
Homeowners & Farmowners
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
160
108
268
40.30%
38.98%
2024
184
125
309
40.45%
39.58%
2023
228
100
328
30.49%
36.96%
2022
204
97
301
32.23%
37.07%
2021
178
99
277
35.74%
39.17%
2020
257
114
371
30.73%
35.42%
Medical Professional Liability (Claims Made)
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
0
0
0
0.00%
95.15%
2024
0
0
0
0.00%
96.08%
2023
0
0
0
0.00%
95.22%
2022
0
0
0
0.00%
96.00%
2021
0
0
0
0.00%
93.58%
2020
0
0
0
0.00%
94.02%
Other Liability: Claims Made
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
0
0
0
0.00%
83.87%
2024
0
0
0
0.00%
81.44%
2023
0
0
0
0.00%
74.87%
2022
0
0
0
0.00%
72.69%
2021
0
0
0
0.00%
79.01%
2020
0
0
0
0.00%
80.13%
Other Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
99
67
166
40.36%
13.25%
2024
151
79
230
34.35%
12.32%
2023
84
66
150
44.00%
16.34%
2022
143
96
239
40.17%
11.13%
2021
82
66
148
44.59%
18.93%
2020
110
81
191
42.41%
20.93%
Private Passenger Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
30,780
23,859
54,639
43.67%
45.21%
2024
26,993
21,885
48,878
44.77%
45.23%
2023
26,243
19,498
45,741
42.63%
44.64%
2022
23,286
17,787
41,073
43.31%
46.15%
2021
24,684
20,337
45,021
45.17%
46.87%
2020
22,371
16,138
38,509
41.91%
43.90%
Warranty
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
1
1
2
50.00%
3.84%
2024
0
0
0
0.00%
4.30%