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
89,035
33,676
122,711
27.44%
23.88%
2024
98,203
35,700
133,903
26.66%
23.31%
2023
100,556
34,240
134,796
25.40%
22.83%
2022
91,976
33,176
125,152
26.51%
23.10%
2021
87,258
32,319
119,577
27.03%
22.81%
2020
82,933
27,925
110,858
25.19%
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
9
2
11
18.18%
49.08%
2024
10
5
15
33.33%
47.46%
2023
19
4
23
17.39%
47.29%
2022
16
4
20
20.00%
45.44%
2021
7
4
11
36.36%
44.40%
2020
18
9
27
33.33%
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
3,087
1,267
4,354
29.10%
42.44%
2024
3,776
1,415
5,191
27.26%
41.75%
2023
3,914
1,486
5,400
27.52%
38.64%
2022
2,995
1,230
4,225
29.11%
39.39%
2021
2,234
1,113
3,347
33.25%
40.41%
2020
3,684
1,889
5,573
33.90%
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
49,350
19,946
69,296
28.78%
38.98%
2024
51,722
18,957
70,679
26.82%
39.58%
2023
64,920
22,214
87,134
25.49%
36.96%
2022
37,841
20,501
58,342
35.14%
37.07%
2021
36,995
20,110
57,105
35.22%
39.17%
2020
66,083
32,272
98,355
32.81%
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
650
289
939
30.78%
13.25%
2024
568
183
751
24.37%
12.32%
2023
539
168
707
23.76%
16.34%
2022
524
175
699
25.04%
11.13%
2021
561
183
744
24.60%
18.93%
2020
592
174
766
22.72%
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
89,433
11,514
100,947
11.41%
45.21%
2024
38,718
11,692
50,410
23.19%
45.23%
2023
34,623
11,181
45,804
24.41%
44.64%
2022
34,096
11,132
45,228
24.61%
46.15%
2021
35,829
11,447
47,276
24.21%
46.87%
2020
32,761
10,216
42,977
23.77%
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
12
7
19
36.84%
63.59%
2024
16
7
23
30.43%
63.97%
2023
18
18
36
50.00%
62.55%
2022
16
12
28
42.86%
56.52%
2021
0
0
0
0.00%
62.74%
2020
0
0
0
0.00%
61.51%