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
45,593
17,322
62,915
27.53%
23.88%
2024
42,789
15,896
58,685
27.09%
23.31%
2023
42,802
15,369
58,171
26.42%
22.83%
2022
39,120
13,941
53,061
26.27%
23.10%
2021
40,906
13,916
54,822
25.38%
22.81%
2020
35,032
10,639
45,671
23.29%
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
780
802
1,582
50.70%
49.08%
2024
846
898
1,744
51.49%
47.46%
2023
893
912
1,805
50.53%
47.29%
2022
859
899
1,758
51.14%
45.44%
2021
728
711
1,439
49.41%
44.40%
2020
580
495
1,075
46.05%
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
8
5
13
38.46%
42.44%
2024
6
3
9
33.33%
41.75%
2023
3
1
4
25.00%
38.64%
2022
2
1
3
33.33%
39.39%
2021
1
0
1
0.00%
40.41%
2020
0
0
0
0.00%
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
80
54
134
40.30%
38.98%
2024
92
62
154
40.26%
39.58%
2023
114
50
164
30.49%
36.96%
2022
102
49
151
32.45%
37.07%
2021
89
49
138
35.51%
39.17%
2020
129
57
186
30.65%
35.42%
Medical Professional 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
0
0
0
0.00%
95.15%
2024
0
0
0
0.00%
96.08%
2023
0
0
0
0.00%
95.22%
2022
0
0
0
0.00%
96.00%
2021
0
0
0
0.00%
93.58%
2020
0
0
0
0.00%
94.02%
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
0
0
0
0.00%
83.87%
2024
0
0
0
0.00%
81.44%
2023
0
0
0
0.00%
74.87%
2022
0
0
0
0.00%
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
50
33
83
39.76%
13.25%
2024
76
40
116
34.48%
12.32%
2023
42
33
75
44.00%
16.34%
2022
71
48
119
40.34%
11.13%
2021
41
33
74
44.59%
18.93%
2020
55
40
95
42.11%
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
15,390
11,930
27,320
43.67%
45.21%
2024
13,496
10,943
24,439
44.78%
45.23%
2023
13,121
9,749
22,870
42.63%
44.64%
2022
11,643
8,894
20,537
43.31%
46.15%
2021
12,342
10,169
22,511
45.17%
46.87%
2020
11,185
8,069
19,254
41.91%
43.90%
Warranty
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%
3.84%
2024
0
0
0
0.00%
4.30%