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
1,739
940
2,679
35.09%
23.88%
2024
1,466
900
2,366
38.04%
23.31%
2023
572
354
926
38.23%
22.83%
2022
507
186
693
26.84%
23.10%
2021
573
176
749
23.50%
22.81%
2020
433
133
566
23.50%
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
25
17
42
40.48%
49.08%
2024
45
14
59
23.73%
47.46%
2023
53
30
83
36.14%
47.29%
2022
51
22
73
30.14%
45.44%
2021
25
16
41
39.02%
44.40%
2020
31
15
46
32.61%
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
20
43
63
68.25%
42.44%
2024
51
51
102
50.00%
41.75%
2023
55
72
127
56.69%
38.64%
2022
24
53
77
68.83%
39.39%
2021
45
79
124
63.71%
40.41%
2020
34
116
150
77.33%
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
6
6
12
50.00%
38.98%
2024
2
2
4
50.00%
39.58%
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
0
1
1
100.00%
13.25%
2024
0
1
1
100.00%
12.32%
2023
1
2
3
66.67%
16.34%
2022
0
2
2
100.00%
11.13%
2021
1
0
1
0.00%
18.93%
2020
2
0
2
0.00%
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
404
245
649
37.75%
45.21%
2024
340
269
609
44.17%
45.23%
2023
106
98
204
48.04%
44.64%
2022
125
84
209
40.19%
46.15%
2021
120
84
204
41.18%
46.87%
2020
103
54
157
34.39%
43.90%
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
29
3
32
9.38%
34.83%
2024
74
22
96
22.92%
35.33%
2023
73
23
96
23.96%
35.67%
2022
45
10
55
18.18%
37.14%
2021
29
8
37
21.62%
35.46%
2020
35
6
41
14.63%
33.86%