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
										2024
									
									
										4,988
									
									
										738
									
									
										5,726
									
									
										12.89%
									
									
										23.31%
									
								
										2023
									
									
										4,302
									
									
										619
									
									
										4,921
									
									
										12.58%
									
									
										22.83%
									
								
										2022
									
									
										4,783
									
									
										750
									
									
										5,533
									
									
										13.56%
									
									
										23.10%
									
								
										2021
									
									
										4,368
									
									
										666
									
									
										5,034
									
									
										13.23%
									
									
										22.81%
									
								
										2020
									
									
										3,920
									
									
										606
									
									
										4,526
									
									
										13.39%
									
									
										21.51%
									
								
										2019
									
									
										4,504
									
									
										727
									
									
										5,231
									
									
										13.90%
									
									
										22.66%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										47.45%
									
								
										2023
									
									
										135
									
									
										87
									
									
										222
									
									
										39.19%
									
									
										47.29%
									
								
										2022
									
									
										161
									
									
										78
									
									
										239
									
									
										32.64%
									
									
										45.44%
									
								
										2021
									
									
										146
									
									
										61
									
									
										207
									
									
										29.47%
									
									
										44.40%
									
								
										2020
									
									
										165
									
									
										52
									
									
										217
									
									
										23.96%
									
									
										42.45%
									
								
										2019
									
									
										201
									
									
										98
									
									
										299
									
									
										32.78%
									
									
										44.33%
									
								
										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
										2024
									
									
										503
									
									
										334
									
									
										837
									
									
										39.90%
									
									
										41.74%
									
								
										2023
									
									
										598
									
									
										364
									
									
										962
									
									
										37.84%
									
									
										38.64%
									
								
										2022
									
									
										635
									
									
										338
									
									
										973
									
									
										34.74%
									
									
										39.39%
									
								
										2021
									
									
										484
									
									
										301
									
									
										785
									
									
										38.34%
									
									
										40.41%
									
								
										2020
									
									
										482
									
									
										298
									
									
										780
									
									
										38.21%
									
									
										48.09%
									
								
										2019
									
									
										811
									
									
										363
									
									
										1,174
									
									
										30.92%
									
									
										43.30%
									
								
										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
										2024
									
									
										2,267
									
									
										696
									
									
										2,963
									
									
										23.49%
									
									
										39.58%
									
								
										2023
									
									
										2,119
									
									
										722
									
									
										2,841
									
									
										25.41%
									
									
										36.96%
									
								
										2022
									
									
										2,419
									
									
										643
									
									
										3,062
									
									
										21.00%
									
									
										37.07%
									
								
										2021
									
									
										1,921
									
									
										699
									
									
										2,620
									
									
										26.68%
									
									
										39.17%
									
								
										2020
									
									
										1,803
									
									
										578
									
									
										2,381
									
									
										24.28%
									
									
										35.42%
									
								
										2019
									
									
										2,517
									
									
										976
									
									
										3,493
									
									
										27.94%
									
									
										35.34%
									
								
										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
										2024
									
									
										645
									
									
										303
									
									
										948
									
									
										31.96%
									
									
										45.22%
									
								
										2023
									
									
										645
									
									
										324
									
									
										969
									
									
										33.44%
									
									
										44.64%
									
								
										2022
									
									
										632
									
									
										306
									
									
										938
									
									
										32.62%
									
									
										46.15%
									
								
										2021
									
									
										642
									
									
										303
									
									
										945
									
									
										32.06%
									
									
										46.87%
									
								
										2020
									
									
										597
									
									
										287
									
									
										884
									
									
										32.47%
									
									
										43.90%
									
								
										2019
									
									
										851
									
									
										348
									
									
										1,199
									
									
										29.02%
									
									
										42.09%
									
								
										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
										2024
									
									
										515
									
									
										108
									
									
										623
									
									
										17.34%
									
									
										35.33%
									
								
										2023
									
									
										542
									
									
										121
									
									
										663
									
									
										18.25%
									
									
										35.67%
									
								
										2022
									
									
										523
									
									
										99
									
									
										622
									
									
										15.92%
									
									
										37.14%
									
								
										2021
									
									
										496
									
									
										121
									
									
										617
									
									
										19.61%
									
									
										35.46%
									
								
										2020
									
									
										480
									
									
										98
									
									
										578
									
									
										16.96%
									
									
										33.86%
									
								
										2019
									
									
										643
									
									
										108
									
									
										751
									
									
										14.38%
									
									
										34.01%