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
38,897
8,305
47,202
17.59%
23.88%
2024
37,037
7,627
44,664
17.08%
23.31%
2023
33,569
7,906
41,475
19.06%
22.83%
2022
29,644
7,963
37,607
21.17%
23.10%
2021
24,919
7,045
31,964
22.04%
22.81%
2020
19,129
6,342
25,471
24.90%
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
1,893
537
2,430
22.10%
49.08%
2024
1,811
487
2,298
21.19%
47.46%
2023
1,745
423
2,168
19.51%
47.29%
2022
1,531
407
1,938
21.00%
45.44%
2021
1,422
386
1,808
21.35%
44.40%
2020
1,261
334
1,595
20.94%
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
665
380
1,045
36.36%
42.44%
2024
673
352
1,025
34.34%
41.75%
2023
683
399
1,082
36.88%
38.64%
2022
1,031
570
1,601
35.60%
39.39%
2021
606
362
968
37.40%
40.41%
2020
833
549
1,382
39.73%
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
4,402
718
5,120
14.02%
38.98%
2024
4,301
681
4,982
13.67%
39.58%
2023
4,065
736
4,801
15.33%
36.96%
2022
4,715
882
5,597
15.76%
37.07%
2021
3,333
691
4,024
17.17%
39.17%
2020
3,214
857
4,071
21.05%
35.42%
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%
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
89
66
155
42.58%
13.25%
2024
105
80
185
43.24%
12.32%
2023
90
93
183
50.82%
16.34%
2022
110
99
209
47.37%
11.13%
2021
140
107
247
43.32%
18.93%
2020
126
119
245
48.57%
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
16,878
1,112
17,990
6.18%
45.21%
2024
13,108
2,398
15,506
15.46%
45.23%
2023
11,623
2,226
13,849
16.07%
44.64%
2022
9,520
1,721
11,241
15.31%
46.15%
2021
8,615
1,517
10,132
14.97%
46.87%
2020
6,411
1,446
7,857
18.40%
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
0
0
0
0.00%
63.59%
2024
0
0
0
0.00%
63.97%
2023
0
0
0
0.00%
62.55%
2022
0
0
0
0.00%
56.52%
2021
1
0
1
0.00%
62.74%
2020
0
0
0
0.00%
61.51%