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
159,574
60,626
220,200
27.53%
23.88%
2024
149,762
55,636
205,398
27.09%
23.31%
2023
149,808
53,793
203,601
26.42%
22.83%
2022
136,922
48,793
185,715
26.27%
23.10%
2021
143,170
48,707
191,877
25.38%
22.81%
2020
122,612
37,236
159,848
23.29%
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
2,728
2,805
5,533
50.70%
49.08%
2024
2,962
3,142
6,104
51.47%
47.46%
2023
3,124
3,191
6,315
50.53%
47.29%
2022
3,006
3,145
6,151
51.13%
45.44%
2021
2,548
2,487
5,035
49.39%
44.40%
2020
2,031
1,732
3,763
46.03%
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
27
18
45
40.00%
42.44%
2024
22
10
32
31.25%
41.75%
2023
11
4
15
26.67%
38.64%
2022
8
2
10
20.00%
39.39%
2021
4
1
5
20.00%
40.41%
2020
0
0
0
0.00%
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
280
189
469
40.30%
38.98%
2024
322
219
541
40.48%
39.58%
2023
399
175
574
30.49%
36.96%
2022
358
170
528
32.20%
37.07%
2021
312
173
485
35.67%
39.17%
2020
450
200
650
30.77%
35.42%
Medical Professional 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%
95.15%
2024
0
0
0
0.00%
96.08%
2023
0
0
0
0.00%
95.22%
2022
0
0
0
0.00%
96.00%
2021
0
0
0
0.00%
93.58%
2020
0
0
0
0.00%
94.02%
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%
2021
0
0
0
0.00%
79.01%
2020
0
0
0
0.00%
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
174
117
291
40.21%
13.25%
2024
264
139
403
34.49%
12.32%
2023
148
115
263
43.73%
16.34%
2022
250
168
418
40.19%
11.13%
2021
144
116
260
44.62%
18.93%
2020
193
141
334
42.22%
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
53,866
41,753
95,619
43.67%
45.21%
2024
47,237
38,300
85,537
44.78%
45.23%
2023
45,925
34,121
80,046
42.63%
44.64%
2022
40,751
31,127
71,878
43.31%
46.15%
2021
43,196
35,590
78,786
45.17%
46.87%
2020
39,149
28,241
67,390
41.91%
43.90%
Warranty
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
1
2
50.00%
3.84%
2024
0
0
0
0.00%
4.30%