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
3,597
196
3,793
5.17%
23.88%
2024
4,577
262
4,839
5.41%
23.31%
2023
4,989
367
5,356
6.85%
22.83%
2022
4,606
227
4,833
4.70%
23.10%
2021
4,336
287
4,623
6.21%
22.81%
2020
4,040
249
4,289
5.81%
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
95
12
107
11.21%
49.08%
2024
88
8
96
8.33%
47.46%
2023
83
13
96
13.54%
47.29%
2022
105
11
116
9.48%
45.44%
2021
112
8
120
6.67%
44.40%
2020
101
6
107
5.61%
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
133
24
157
15.29%
42.44%
2024
166
30
196
15.31%
41.75%
2023
169
45
214
21.03%
38.64%
2022
130
35
165
21.21%
39.39%
2021
140
47
187
25.13%
40.41%
2020
105
48
153
31.37%
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
1,814
249
2,063
12.07%
38.98%
2024
2,241
342
2,583
13.24%
39.58%
2023
2,391
358
2,749
13.02%
36.96%
2022
2,776
403
3,179
12.68%
37.07%
2021
2,412
572
2,984
19.17%
39.17%
2020
2,440
535
2,975
17.98%
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
0
0
0
0.00%
13.25%
2024
1
0
1
0.00%
12.32%
2023
0
1
1
100.00%
16.34%
2022
3
0
3
0.00%
11.13%
2021
6
3
9
33.33%
18.93%
2020
4
0
4
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
424
46
470
9.79%
45.21%
2024
629
61
690
8.84%
45.23%
2023
581
72
653
11.03%
44.64%
2022
693
67
760
8.82%
46.15%
2021
743
84
827
10.16%
46.87%
2020
645
74
719
10.29%
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
2024
0
0
0
0.00%
63.97%
2023
0
0
0
0.00%
62.55%
2022
0
0
0
0.00%
56.52%
2021
0
0
0
0.00%
62.74%
2020
0
1
1
100.00%
61.51%