American Freedom Ins Co
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
339
44
383
11.49%
23.88%
2024
383
59
442
13.35%
23.31%
2023
400
55
455
12.09%
22.83%
2022
393
61
454
13.44%
23.10%
2021
387
75
462
16.23%
22.81%
2020
403
81
484
16.74%
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
57
14
71
19.72%
49.08%
2024
56
14
70
20.00%
47.46%
2023
51
11
62
17.74%
47.29%
2022
46
9
55
16.36%
45.44%
2021
40
6
46
13.04%
44.40%
2020
39
4
43
9.30%
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
0
0
0
0.00%
42.44%
2024
1
0
1
0.00%
41.75%
2023
2
1
3
33.33%
38.64%
2022
5
0
5
0.00%
39.39%
2021
6
1
7
14.29%
40.41%
2020
7
2
9
22.22%
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
58
5
63
7.94%
38.98%
2024
81
6
87
6.90%
39.58%
2023
98
5
103
4.85%
36.96%
2022
162
6
168
3.57%
37.07%
2021
72
4
76
5.26%
39.17%
2020
133
4
137
2.92%
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
10
7
17
41.18%
13.25%
2024
9
7
16
43.75%
12.32%
2023
7
7
14
50.00%
16.34%
2022
7
4
11
36.36%
11.13%
2021
7
4
11
36.36%
18.93%
2020
7
3
10
30.00%
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
70
36
106
33.96%
45.21%
2024
72
35
107
32.71%
45.23%
2023
58
29
87
33.33%
44.64%
2022
63
38
101
37.62%
46.15%
2021
126
141
267
52.81%
46.87%
2020
148
163
311
52.41%
43.90%
Product 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
2
2
4
50.00%
63.59%
2024
2
2
4
50.00%
63.97%
2023
1
1
2
50.00%
62.55%
2022
2
2
4
50.00%
56.52%
2021
2
1
3
33.33%
62.74%
2020
2
1
3
33.33%
61.51%
Workers' Compensation
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
36
11
47
23.40%
34.83%
2024
36
10
46
21.74%
35.33%
2023
40
10
50
20.00%
35.67%
2022
37
8
45
17.78%
37.14%
2021
36
10
46
21.74%
35.46%
2020
35
9
44
20.45%
33.86%