North Star Mutual Ins Co
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
23,602
1,186
24,788
4.78%
23.88%
2024
25,885
1,398
27,283
5.12%
23.31%
2023
26,180
1,444
27,624
5.23%
22.83%
2022
25,872
1,500
27,372
5.48%
23.10%
2021
20,723
1,212
21,935
5.53%
22.81%
2020
17,713
1,025
18,738
5.47%
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
85
24
109
22.02%
49.08%
2024
94
19
113
16.81%
47.46%
2023
83
25
108
23.15%
47.29%
2022
80
36
116
31.03%
45.44%
2021
87
11
98
11.22%
44.40%
2020
66
20
86
23.26%
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
287
91
378
24.07%
42.44%
2024
380
104
484
21.49%
41.75%
2023
404
129
533
24.20%
38.64%
2022
652
103
755
13.64%
39.39%
2021
329
90
419
21.48%
40.41%
2020
284
104
388
26.80%
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
7,416
1,761
9,177
19.19%
38.98%
2024
8,832
1,809
10,641
17.00%
39.58%
2023
8,908
1,810
10,718
16.89%
36.96%
2022
15,327
2,062
17,389
11.86%
37.07%
2021
7,609
1,585
9,194
17.24%
39.17%
2020
7,534
1,661
9,195
18.06%
35.42%
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
428
31
459
6.75%
13.25%
2024
428
24
452
5.31%
12.32%
2023
477
38
515
7.38%
16.34%
2022
512
40
552
7.25%
11.13%
2021
560
65
625
10.40%
18.93%
2020
501
86
587
14.65%
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
3,502
589
4,091
14.40%
45.21%
2024
3,592
661
4,253
15.54%
45.23%
2023
3,501
592
4,093
14.46%
44.64%
2022
3,417
621
4,038
15.38%
46.15%
2021
3,307
535
3,842
13.93%
46.87%
2020
2,772
516
3,288
15.69%
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
7
1
8
12.50%
63.97%
2023
5
0
5
0.00%
62.55%
2022
3
0
3
0.00%
56.52%
2021
3
0
3
0.00%
62.74%
2020
2
2
4
50.00%
61.51%