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
2
147
1.36%
23.88%
2024
143
3
146
2.05%
23.31%
2023
84
15
99
15.15%
22.83%
2022
164
4
168
2.38%
23.10%
2021
123
4
127
3.15%
22.81%
2020
130
5
135
3.70%
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
16
5
21
23.81%
49.08%
2024
20
6
26
23.08%
47.46%
2023
17
95
112
84.82%
47.29%
2022
26
10
36
27.78%
45.44%
2021
16
6
22
27.27%
44.40%
2020
22
14
36
38.89%
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
105
60
165
36.36%
42.44%
2024
49
34
83
40.96%
41.75%
2023
84
68
152
44.74%
38.64%
2022
90
74
164
45.12%
39.39%
2021
110
50
160
31.25%
40.41%
2020
85
63
148
42.57%
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
1,614
750
2,364
31.73%
38.98%
2024
1,758
922
2,680
34.40%
39.58%
2023
2,841
982
3,823
25.69%
36.96%
2022
3,169
1,244
4,413
28.19%
37.07%
2021
2,450
1,205
3,655
32.97%
39.17%
2020
2,183
932
3,115
29.92%
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%
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
2
2
4
50.00%
13.25%
2024
1
1
2
50.00%
12.32%
2023
4
5
9
55.56%
16.34%
2022
2
6
8
75.00%
11.13%
2021
5
7
12
58.33%
18.93%
2020
1
2
3
66.67%
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
2024
0
0
0
0.00%
45.23%
2023
0
0
0
0.00%
44.64%
2022
0
0
0
0.00%
46.15%
2021
0
0
0
0.00%
46.87%
2020
0
0
0
0.00%
43.90%