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
1,004
298
1,302
22.89%
23.88%
2024
960
312
1,272
24.53%
23.31%
2023
1,027
378
1,405
26.90%
22.83%
2022
796
310
1,106
28.03%
23.10%
2021
859
322
1,181
27.27%
22.81%
2020
883
303
1,186
25.55%
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
23
13
36
36.11%
49.08%
2024
24
8
32
25.00%
47.46%
2023
25
14
39
35.90%
47.29%
2022
28
26
54
48.15%
45.44%
2021
33
30
63
47.62%
44.40%
2020
36
28
64
43.75%
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
68
70
138
50.72%
42.44%
2024
110
104
214
48.60%
41.75%
2023
127
135
262
51.53%
38.64%
2022
129
110
239
46.03%
39.39%
2021
147
128
275
46.55%
40.41%
2020
153
276
429
64.34%
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
134
65
199
32.66%
38.98%
2024
204
100
304
32.89%
39.58%
2023
288
145
433
33.49%
36.96%
2022
200
119
319
37.30%
37.07%
2021
310
149
459
32.46%
39.17%
2020
312
160
472
33.90%
35.42%
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%
2020
0
1
1
100.00%
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
1
2
3
66.67%
13.25%
2024
2
6
8
75.00%
12.32%
2023
1
6
7
85.71%
16.34%
2022
2
3
5
60.00%
11.13%
2021
2
3
5
60.00%
18.93%
2020
2
4
6
66.67%
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
203
189
392
48.21%
45.21%
2024
195
207
402
51.49%
45.23%
2023
202
218
420
51.90%
44.64%
2022
184
217
401
54.11%
46.15%
2021
215
237
452
52.43%
46.87%
2020
261
262
523
50.10%
43.90%