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
33,748
11,059
44,807
24.68%
23.88%
2024
34,112
11,576
45,688
25.34%
23.31%
2023
33,032
11,060
44,092
25.08%
22.83%
2022
29,669
10,699
40,368
26.50%
23.10%
2021
26,290
8,646
34,936
24.75%
22.81%
2020
22,658
7,321
29,979
24.42%
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
1,681
755
2,436
30.99%
49.08%
2024
1,591
664
2,255
29.45%
47.46%
2023
1,365
645
2,010
32.09%
47.29%
2022
1,247
533
1,780
29.94%
45.44%
2021
1,036
409
1,445
28.30%
44.40%
2020
942
352
1,294
27.20%
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
463
676
1,139
59.35%
42.44%
2024
544
666
1,210
55.04%
41.75%
2023
355
456
811
56.23%
38.64%
2022
490
550
1,040
52.88%
39.39%
2021
281
361
642
56.23%
40.41%
2020
258
381
639
59.62%
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
7
14
50.00%
38.98%
2024
13
11
24
45.83%
39.58%
2023
7
11
18
61.11%
36.96%
2022
20
29
49
59.18%
37.07%
2021
5
6
11
54.55%
39.17%
2020
18
23
41
56.10%
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
2
0
2
0.00%
83.87%
2024
0
4
4
100.00%
81.44%
2023
0
33
33
100.00%
74.87%
2022
0
8
8
100.00%
72.69%
2021
0
0
0
0.00%
79.01%
2020
0
0
0
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
129
186
315
59.05%
13.25%
2024
167
0
167
0.00%
12.32%
2023
111
101
212
47.64%
16.34%
2022
94
153
247
61.94%
11.13%
2021
93
103
196
52.55%
18.93%
2020
0
0
0
0.00%
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
25,135
11,663
36,798
31.69%
45.21%
2024
25,311
11,985
37,296
32.13%
45.23%
2023
24,366
11,034
35,400
31.17%
44.64%
2022
21,540
9,557
31,097
30.73%
46.15%
2021
20,996
7,727
28,723
26.90%
46.87%
2020
17,150
5,987
23,137
25.88%
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
0
0
0
0.00%
63.97%
2023
0
0
0
0.00%
62.55%
2021
0
0
0
0.00%
62.74%
2020
0
0
0
0.00%
61.51%