Spinnaker Ins Co
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
2024
1,059
570
1,629
34.99%
22.80%
2023
1,025
1,178
2,203
53.47%
22.83%
2022
457
506
963
52.54%
23.10%
2021
63
55
118
46.61%
22.81%
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
2024
408
1,278
1,686
75.80%
47.78%
2023
188
319
507
62.92%
47.29%
2022
46
57
103
55.34%
45.44%
2021
145
147
292
50.34%
44.40%
2020
29
29
58
50.00%
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
2024
408
751
1,159
64.80%
41.49%
2023
47
98
145
67.59%
38.64%
2022
58
73
131
55.73%
39.39%
2021
2
1
3
33.33%
40.41%
2020
8
7
15
46.67%
48.09%
2019
0
0
0
0.00%
43.30%
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
2024
10,969
16,905
27,874
60.65%
39.63%
2023
16,552
16,114
32,666
49.33%
36.96%
2022
15,819
15,279
31,098
49.13%
37.07%
2021
17,824
15,477
33,301
46.48%
39.17%
2020
13,563
8,511
22,074
38.56%
35.42%
2019
6,208
4,703
10,911
43.10%
35.34%
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
2024
16
240
256
93.75%
81.20%
2023
4
161
165
97.58%
74.87%
2022
0
1
1
100.00%
72.69%
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
2024
241
251
492
51.02%
12.77%
2023
229
230
459
50.11%
16.34%
2022
202
207
409
50.61%
11.13%
2021
1
0
1
0.00%
18.93%
2020
29
32
61
52.46%
20.93%
2019
0
0
0
0.00%
16.90%
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
2024
278
372
650
57.23%
45.00%
2023
842
1,327
2,169
61.18%
44.64%
2022
349
477
826
57.75%
46.15%
2021
46
41
87
47.13%
46.87%