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
12,083
3,619
15,702
23.05%
23.88%
2024
15,964
4,665
20,629
22.61%
23.31%
2023
21,691
6,093
27,784
21.93%
22.83%
2022
22,515
7,340
29,855
24.59%
23.10%
2021
22,198
5,955
28,153
21.15%
22.81%
2020
20,573
4,646
25,219
18.42%
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
307
159
466
34.12%
49.08%
2024
428
191
619
30.86%
47.46%
2023
537
306
843
36.30%
47.29%
2022
728
423
1,151
36.75%
45.44%
2021
801
370
1,171
31.60%
44.40%
2020
726
301
1,027
29.31%
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
99
85
184
46.20%
42.44%
2024
239
124
363
34.16%
41.75%
2023
444
235
679
34.61%
38.64%
2022
779
304
1,083
28.07%
39.39%
2021
993
481
1,474
32.63%
40.41%
2020
873
834
1,707
48.86%
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
2,338
599
2,937
20.39%
38.98%
2024
3,483
990
4,473
22.13%
39.58%
2023
3,658
1,152
4,810
23.95%
36.96%
2022
5,105
1,230
6,335
19.42%
37.07%
2021
5,455
1,551
7,006
22.14%
39.17%
2020
5,607
1,467
7,074
20.74%
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%
2022
0
0
0
0.00%
72.69%
2021
0
0
0
0.00%
79.01%
2020
0
0
0
0.00%
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
8
8
16
50.00%
13.25%
2024
13
5
18
27.78%
12.32%
2023
11
3
14
21.43%
16.34%
2022
13
15
28
53.57%
11.13%
2021
14
12
26
46.15%
18.93%
2020
17
11
28
39.29%
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
3,022
1,538
4,560
33.73%
45.21%
2024
3,792
1,974
5,766
34.24%
45.23%
2023
4,719
2,584
7,303
35.38%
44.64%
2022
4,570
2,691
7,261
37.06%
46.15%
2021
4,239
2,442
6,681
36.55%
46.87%
2020
3,964
1,752
5,716
30.65%
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
1
1
100.00%
63.97%
2023
0
0
0
0.00%
62.55%
2022
1
0
1
0.00%
56.52%
2021
0
0
0
0.00%
62.74%
2020
1
2
3
66.67%
61.51%