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
22,796
8,661
31,457
27.53%
23.88%
2024
21,395
7,948
29,343
27.09%
23.31%
2023
21,401
7,685
29,086
26.42%
22.83%
2022
19,560
6,970
26,530
26.27%
23.10%
2021
20,453
6,958
27,411
25.38%
22.81%
2020
17,516
5,319
22,835
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
390
401
791
50.70%
49.08%
2024
423
449
872
51.49%
47.46%
2023
446
456
902
50.55%
47.29%
2022
429
449
878
51.14%
45.44%
2021
364
355
719
49.37%
44.40%
2020
290
247
537
46.00%
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
4
3
7
42.86%
42.44%
2024
3
1
4
25.00%
41.75%
2023
2
1
3
33.33%
38.64%
2022
1
0
1
0.00%
39.39%
2021
1
0
1
0.00%
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
40
27
67
40.30%
38.98%
2024
46
31
77
40.26%
39.58%
2023
57
25
82
30.49%
36.96%
2022
51
24
75
32.00%
37.07%
2021
45
25
70
35.71%
39.17%
2020
64
29
93
31.18%
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%
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
25
17
42
40.48%
13.25%
2024
38
20
58
34.48%
12.32%
2023
21
16
37
43.24%
16.34%
2022
36
24
60
40.00%
11.13%
2021
21
17
38
44.74%
18.93%
2020
28
20
48
41.67%
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
2025
7,695
5,965
13,660
43.67%
45.21%
2024
6,748
5,471
12,219
44.77%
45.23%
2023
6,561
4,874
11,435
42.62%
44.64%
2022
5,822
4,447
10,269
43.31%
46.15%
2021
6,171
5,084
11,255
45.17%
46.87%
2020
5,593
4,034
9,627
41.90%
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
0
0
0
0.00%
3.84%
2024
0
0
0
0.00%
4.30%