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
14,473
7,011
21,484
32.63%
23.88%
2024
16,547
7,815
24,362
32.08%
23.31%
2023
18,824
8,911
27,735
32.13%
22.83%
2022
21,414
9,275
30,689
30.22%
23.10%
2021
22,438
7,157
29,595
24.18%
22.81%
2020
21,222
6,776
27,998
24.20%
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
2,376
1,491
3,867
38.56%
49.08%
2024
7,793
1,170
8,963
13.05%
47.46%
2023
2,110
1,181
3,291
35.89%
47.29%
2022
2,339
1,275
3,614
35.28%
45.44%
2021
2,622
1,139
3,761
30.28%
44.40%
2020
2,282
912
3,194
28.55%
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
1,453
622
2,075
29.98%
42.44%
2024
1,719
769
2,488
30.91%
41.75%
2023
1,860
833
2,693
30.93%
38.64%
2022
2,200
933
3,133
29.78%
39.39%
2021
2,062
1,351
3,413
39.58%
40.41%
2020
2,114
2,115
4,229
50.01%
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
4,720
826
5,546
14.89%
38.98%
2024
5,067
823
5,890
13.97%
39.58%
2023
5,945
883
6,828
12.93%
36.96%
2022
5,484
957
6,441
14.86%
37.07%
2021
5,698
1,901
7,599
25.02%
39.17%
2020
7,010
2,264
9,274
24.41%
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
6
10
16
62.50%
13.25%
2024
15
15
30
50.00%
12.32%
2023
9
6
15
40.00%
16.34%
2022
19
5
24
20.83%
11.13%
2021
31
50
81
61.73%
18.93%
2020
19
45
64
70.31%
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
3,122
1,150
4,272
26.92%
45.21%
2024
3,826
1,265
5,091
24.85%
45.23%
2023
4,482
1,494
5,976
25.00%
44.64%
2022
4,832
1,921
6,753
28.45%
46.15%
2021
5,307
2,302
7,609
30.25%
46.87%
2020
5,239
1,902
7,141
26.63%
43.90%
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
2025
1,216
307
1,523
20.16%
34.83%
2024
1,407
360
1,767
20.37%
35.33%
2023
1,632
448
2,080
21.54%
35.67%
2022
1,902
487
2,389
20.39%
37.14%
2021
1,923
712
2,635
27.02%
35.46%
2020
1,628
705
2,333
30.22%
33.86%