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
3,327
294
3,621
8.12%
23.88%
2024
3,117
291
3,408
8.54%
23.31%
2023
2,496
207
2,703
7.66%
22.83%
2022
1,412
168
1,580
10.63%
23.10%
2021
1,142
133
1,275
10.43%
22.81%
2020
1,204
119
1,323
8.99%
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
82
7
89
7.87%
49.08%
2024
35
5
40
12.50%
47.46%
2023
45
6
51
11.76%
47.29%
2022
42
5
47
10.64%
45.44%
2021
39
2
41
4.88%
44.40%
2020
44
5
49
10.20%
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
157
83
240
34.58%
42.44%
2024
131
59
190
31.05%
41.75%
2023
230
76
306
24.84%
38.64%
2022
153
76
229
33.19%
39.39%
2021
93
65
158
41.14%
40.41%
2020
135
86
221
38.91%
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
999
329
1,328
24.77%
38.98%
2024
1,117
329
1,446
22.75%
39.58%
2023
1,495
348
1,843
18.88%
36.96%
2022
1,171
316
1,487
21.25%
37.07%
2021
777
312
1,089
28.65%
39.17%
2020
852
354
1,206
29.35%
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
5
6
11
54.55%
13.25%
2024
9
8
17
47.06%
12.32%
2023
8
4
12
33.33%
16.34%
2022
9
4
13
30.77%
11.13%
2021
9
8
17
47.06%
18.93%
2020
3
15
18
83.33%
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
695
126
821
15.35%
45.21%
2024
631
106
737
14.38%
45.23%
2023
474
79
553
14.29%
44.64%
2022
451
82
533
15.38%
46.15%
2021
356
53
409
12.96%
46.87%
2020
440
35
475
7.37%
43.90%