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
145,594
12,691
158,285
8.02%
23.88%
2024
161,037
12,910
173,947
7.42%
23.31%
2023
172,789
13,917
186,706
7.45%
22.83%
2022
171,009
14,052
185,061
7.59%
23.10%
2021
152,916
12,036
164,952
7.30%
22.81%
2020
134,294
10,770
145,064
7.42%
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
4,907
8,943
13,850
64.57%
49.08%
2024
4,871
7,995
12,866
62.14%
47.46%
2023
4,905
7,542
12,447
60.59%
47.29%
2022
4,699
6,821
11,520
59.21%
45.44%
2021
4,776
5,941
10,717
55.44%
44.40%
2020
5,231
6,062
11,293
53.68%
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
3,038
3,718
6,756
55.03%
42.44%
2024
3,681
4,084
7,765
52.59%
41.75%
2023
3,986
4,034
8,020
50.30%
38.64%
2022
3,960
3,847
7,807
49.28%
39.39%
2021
4,391
4,583
8,974
51.07%
40.41%
2020
4,634
7,368
12,002
61.39%
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
33,478
1,780
35,258
5.05%
38.98%
2024
46,884
2,673
49,557
5.39%
39.58%
2023
50,959
3,459
54,418
6.36%
36.96%
2022
41,772
2,753
44,525
6.18%
37.07%
2021
44,236
3,232
47,468
6.81%
39.17%
2020
43,030
2,216
45,246
4.90%
35.42%
Medical Professional 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%
94.16%
2024
0
0
0
0.00%
92.29%
2023
0
0
0
0.00%
92.52%
2022
0
0
0
0.00%
92.14%
2021
0
0
0
0.00%
91.74%
2020
0
0
0
0.00%
93.85%
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
98
54
152
35.53%
83.87%
2024
92
45
137
32.85%
81.44%
2023
66
45
111
40.54%
74.87%
2022
71
49
120
40.83%
72.69%
2021
71
37
108
34.26%
79.01%
2020
72
38
110
34.55%
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
416
1,868
2,284
81.79%
13.25%
2024
405
1,818
2,223
81.78%
12.32%
2023
389
1,697
2,086
81.35%
16.34%
2022
416
1,526
1,942
78.58%
11.13%
2021
456
927
1,383
67.03%
18.93%
2020
488
890
1,378
64.59%
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
22,880
5,592
28,472
19.64%
45.21%
2024
24,460
6,441
30,901
20.84%
45.23%
2023
26,213
6,462
32,675
19.78%
44.64%
2022
24,474
6,989
31,463
22.21%
46.15%
2021
22,826
5,330
28,156
18.93%
46.87%
2020
21,447
3,987
25,434
15.68%
43.90%
Product 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%
84.76%
2024
0
0
0
0.00%
84.35%
2023
0
0
0
0.00%
68.07%
2022
0
1
1
100.00%
77.84%
2021
0
0
0
0.00%
84.45%
2020
0
0
0
0.00%
83.02%
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
24
110
134
82.09%
63.59%
2024
23
108
131
82.44%
63.97%
2023
27
89
116
76.72%
62.55%
2022
25
84
109
77.06%
56.52%
2021
42
65
107
60.75%
62.74%
2020
39
69
108
63.89%
61.51%
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
11,495
4,385
15,880
27.61%
34.83%
2024
11,597
4,348
15,945
27.27%
35.33%
2023
11,784
4,347
16,131
26.95%
35.67%
2022
12,184
5,130
17,314
29.63%
37.14%
2021
12,128
2,567
14,695
17.47%
35.46%
2020
11,603
4,158
15,761
26.38%
33.86%