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
86,613
30,681
117,294
26.16%
23.88%
2024
76,618
27,724
104,342
26.57%
23.31%
2023
75,216
27,816
103,032
27.00%
22.83%
2022
77,070
27,255
104,325
26.13%
23.10%
2021
70,995
23,045
94,040
24.51%
22.81%
2020
49,155
14,248
63,403
22.47%
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
6,205
7,217
13,422
53.77%
49.08%
2024
6,167
7,175
13,342
53.78%
47.46%
2023
6,172
6,836
13,008
52.55%
47.29%
2022
5,488
6,144
11,632
52.82%
45.44%
2021
4,969
5,145
10,114
50.87%
44.40%
2020
3,911
3,705
7,616
48.65%
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
89
75
164
45.73%
42.44%
2024
79
38
117
32.48%
41.75%
2023
51
26
77
33.77%
38.64%
2022
38
11
49
22.45%
39.39%
2021
29
5
34
14.71%
40.41%
2020
7
6
13
46.15%
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
461
216
677
31.91%
38.98%
2024
428
271
699
38.77%
39.58%
2023
664
271
935
28.98%
36.96%
2022
727
297
1,024
29.00%
37.07%
2021
497
217
714
30.39%
39.17%
2020
491
201
692
29.05%
35.42%
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
66
76
142
53.52%
13.25%
2024
50
51
101
50.50%
12.32%
2023
51
69
120
57.50%
16.34%
2022
66
79
145
54.48%
11.13%
2021
59
76
135
56.30%
18.93%
2020
63
78
141
55.32%
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
21,612
15,736
37,348
42.13%
45.21%
2024
19,599
15,234
34,833
43.73%
45.23%
2023
17,891
12,834
30,725
41.77%
44.64%
2022
17,297
12,463
29,760
41.88%
46.15%
2021
15,859
12,667
28,526
44.41%
46.87%
2020
10,317
7,304
17,621
41.45%
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
0
0
0
0.00%
3.84%
2024
0
0
0
0.00%
4.30%