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
4,456
1,094
5,550
19.71%
23.88%
2024
6,322
2,118
8,440
25.09%
23.31%
2023
7,256
2,175
9,431
23.06%
22.83%
2022
7,948
2,484
10,432
23.81%
23.10%
2021
8,266
2,685
10,951
24.52%
22.81%
2020
7,389
2,417
9,806
24.65%
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
2
18
11.11%
49.08%
2024
16
1
17
5.88%
47.46%
2023
18
1
19
5.26%
47.29%
2022
23
1
24
4.17%
45.44%
2021
17
2
19
10.53%
44.40%
2020
13
2
15
13.33%
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
55
38
93
40.86%
42.44%
2024
48
28
76
36.84%
41.75%
2023
96
115
211
54.50%
38.64%
2022
145
116
261
44.44%
39.39%
2021
152
147
299
49.16%
40.41%
2020
119
114
233
48.93%
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
1,837
626
2,463
25.42%
38.98%
2024
1,878
699
2,577
27.12%
39.58%
2023
1,678
717
2,395
29.94%
36.96%
2022
3,615
985
4,600
21.41%
37.07%
2021
2,180
737
2,917
25.27%
39.17%
2020
1,681
637
2,318
27.48%
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
1
1
100.00%
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
1
1
100.00%
18.93%
2020
0
0
0
0.00%
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
1,813
733
2,546
28.79%
45.21%
2024
2,256
1,369
3,625
37.77%
45.23%
2023
1,888
626
2,514
24.90%
44.64%
2022
1,637
607
2,244
27.05%
46.15%
2021
2,315
1,344
3,659
36.73%
46.87%
2020
2,138
1,798
3,936
45.68%
43.90%