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
72,832
17,083
89,915
19.00%
23.88%
2024
80,187
18,841
99,028
19.03%
23.31%
2023
95,014
22,225
117,239
18.96%
22.83%
2022
95,677
22,140
117,817
18.79%
23.10%
2021
89,630
20,191
109,821
18.39%
22.81%
2020
92,280
25,651
117,931
21.75%
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
2,737
1,087
3,824
28.43%
49.08%
2024
2,798
1,076
3,874
27.77%
47.46%
2023
3,033
1,443
4,476
32.24%
47.29%
2022
2,944
1,630
4,574
35.64%
45.44%
2021
3,085
1,388
4,473
31.03%
44.40%
2020
3,299
1,832
5,131
35.70%
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
1,783
844
2,627
32.13%
42.44%
2024
2,495
1,157
3,652
31.68%
41.75%
2023
3,462
1,425
4,887
29.16%
38.64%
2022
3,188
1,406
4,594
30.61%
39.39%
2021
2,793
1,535
4,328
35.47%
40.41%
2020
5,670
3,942
9,612
41.01%
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
16,855
9,991
26,846
37.22%
38.98%
2024
21,950
10,556
32,506
32.47%
39.58%
2023
35,046
11,826
46,872
25.23%
36.96%
2022
26,105
10,078
36,183
27.85%
37.07%
2021
18,747
9,023
27,770
32.49%
39.17%
2020
28,247
10,374
38,621
26.86%
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
3
0
3
0.00%
83.87%
2024
1
0
1
0.00%
81.44%
2023
3
1
4
25.00%
74.87%
2022
3
0
3
0.00%
72.69%
2021
10
1
11
9.09%
79.01%
2020
4
2
6
33.33%
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
6
5
11
45.45%
13.25%
2024
4
8
12
66.67%
12.32%
2023
5
13
18
72.22%
16.34%
2022
17
17
34
50.00%
11.13%
2021
13
8
21
38.10%
18.93%
2020
13
8
21
38.10%
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
14,663
6,635
21,298
31.15%
45.21%
2024
16,793
6,871
23,664
29.04%
45.23%
2023
18,934
7,676
26,610
28.85%
44.64%
2022
19,024
8,192
27,216
30.10%
46.15%
2021
19,842
6,845
26,687
25.65%
46.87%
2020
24,194
12,035
36,229
33.22%
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
0
0
0
0.00%
63.59%
2024
0
0
0
0.00%
63.97%
2023
0
0
0
0.00%
62.55%
2022
0
0
0
0.00%
56.52%
2021
0
0
0
0.00%
62.74%
2020
0
0
0
0.00%
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
557
293
850
34.47%
34.83%
2024
566
368
934
39.40%
35.33%
2023
775
486
1,261
38.54%
35.67%
2022
890
487
1,377
35.37%
37.14%
2021
1,212
530
1,742
30.42%
35.46%
2020
1,346
330
1,676
19.69%
33.86%