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
123,912
30,252
154,164
19.62%
23.88%
2024
119,564
29,299
148,863
19.68%
23.31%
2023
116,823
6,159
122,982
5.01%
22.83%
2022
111,441
27,398
138,839
19.73%
23.10%
2021
106,026
24,824
130,850
18.97%
22.81%
2020
94,638
21,295
115,933
18.37%
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
1,530
533
2,063
25.84%
49.08%
2024
1,496
554
2,050
27.02%
47.46%
2023
1,458
490
1,948
25.15%
47.29%
2022
1,376
455
1,831
24.85%
45.44%
2021
1,508
460
1,968
23.37%
44.40%
2020
1,299
399
1,698
23.50%
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
947
305
1,252
24.36%
42.44%
2024
1,567
551
2,118
26.02%
41.75%
2023
1,073
359
1,432
25.07%
38.64%
2022
1,120
359
1,479
24.27%
39.39%
2021
900
305
1,205
25.31%
40.41%
2020
1,254
411
1,665
24.68%
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
26,741
10,209
36,950
27.63%
38.98%
2024
42,074
14,165
56,239
25.19%
39.58%
2023
29,868
10,514
40,382
26.04%
36.96%
2022
32,065
10,706
42,771
25.03%
37.07%
2021
24,448
8,555
33,003
25.92%
39.17%
2020
34,958
11,699
46,657
25.07%
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
22
0
22
0.00%
83.87%
2024
36
0
36
0.00%
81.44%
2023
29
0
29
0.00%
74.87%
2022
36
0
36
0.00%
72.69%
2021
29
0
29
0.00%
79.01%
2020
34
0
34
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
512
160
672
23.81%
13.25%
2024
576
207
783
26.44%
12.32%
2023
575
179
754
23.74%
16.34%
2022
536
164
700
23.43%
11.13%
2021
572
183
755
24.24%
18.93%
2020
605
172
777
22.14%
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
32,531
10,726
43,257
24.80%
45.21%
2024
32,606
10,434
43,040
24.24%
45.23%
2023
32,574
9,912
42,486
23.33%
44.64%
2022
30,948
10,228
41,176
24.84%
46.15%
2021
30,699
9,579
40,278
23.78%
46.87%
2020
29,059
8,309
37,368
22.24%
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
256
68
324
20.99%
34.83%
2024
235
45
280
16.07%
35.33%
2023
211
67
278
24.10%
35.67%
2022
212
59
271
21.77%
37.14%
2021
214
65
279
23.30%
35.46%
2020
279
123
402
30.60%
33.86%