Encompass Indemnity 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
5,246
1,266
6,512
19.44%
23.88%
2024
12,563
3,072
15,635
19.65%
23.31%
2023
14,746
3,646
18,392
19.82%
22.83%
2022
14,593
3,684
18,277
20.16%
23.10%
2021
16,146
3,325
19,471
17.08%
22.81%
2020
16,603
2,770
19,373
14.30%
21.51%
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
3,785
1,856
5,641
32.90%
38.98%
2024
8,015
2,328
10,343
22.51%
39.58%
2023
5,724
2,018
7,742
26.07%
36.96%
2022
5,421
1,811
7,232
25.04%
37.07%
2021
4,813
2,393
7,206
33.21%
39.17%
2020
5,894
2,923
8,817
33.15%
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
2024
1
4
5
80.00%
12.32%
2023
0
8
8
100.00%
16.34%
2022
1
1
2
50.00%
11.13%
2021
1
2
3
66.67%
18.93%
2020
1
6
7
85.71%
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
1,872
1,160
3,032
38.26%
45.21%
2024
3,902
2,071
5,973
34.67%
45.23%
2023
3,940
2,368
6,308
37.54%
44.64%
2022
3,429
2,129
5,558
38.31%
46.15%
2021
3,036
1,860
4,896
37.99%
46.87%
2020
2,769
1,976
4,745
41.64%
43.90%