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
5,732
1,193
6,925
17.23%
23.88%
2024
5,900
1,259
7,159
17.59%
23.31%
2023
5,138
1,072
6,210
17.26%
22.83%
2022
5,166
1,154
6,320
18.26%
23.10%
2021
7,870
878
8,748
10.04%
22.81%
2020
7,314
522
7,836
6.66%
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
3
7
42.86%
49.08%
2024
5
1
6
16.67%
47.46%
2023
12
2
14
14.29%
47.29%
2022
9
4
13
30.77%
45.44%
2021
16
7
23
30.43%
44.40%
2020
10
1
11
9.09%
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
91
40
131
30.53%
42.44%
2024
63
41
104
39.42%
41.75%
2023
93
35
128
27.34%
38.64%
2022
111
38
149
25.50%
39.39%
2021
72
48
120
40.00%
40.41%
2020
87
50
137
36.50%
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
1,535
488
2,023
24.12%
38.98%
2024
1,123
503
1,626
30.93%
39.58%
2023
1,237
522
1,759
29.68%
36.96%
2022
1,496
447
1,943
23.01%
37.07%
2021
1,150
524
1,674
31.30%
39.17%
2020
1,046
477
1,523
31.32%
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
0
0
0
0.00%
13.25%
2024
0
0
0
0.00%
12.32%
2023
0
1
1
100.00%
16.34%
2022
0
1
1
100.00%
11.13%
2021
0
0
0
0.00%
18.93%
2020
1
3
4
75.00%
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
961
222
1,183
18.77%
45.21%
2024
1,113
297
1,410
21.06%
45.23%
2023
868
307
1,175
26.13%
44.64%
2022
782
294
1,076
27.32%
46.15%
2021
934
324
1,258
25.76%
46.87%
2020
941
281
1,222
23.00%
43.90%