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
68,389
25,983
94,372
27.53%
23.88%
2024
64,184
23,844
88,028
27.09%
23.31%
2023
64,204
23,054
87,258
26.42%
22.83%
2022
58,681
20,911
79,592
26.27%
23.10%
2021
61,359
20,874
82,233
25.38%
22.81%
2020
52,548
15,958
68,506
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
1,169
1,202
2,371
50.70%
49.08%
2024
1,270
1,346
2,616
51.45%
47.46%
2023
1,339
1,368
2,707
50.54%
47.29%
2022
1,288
1,348
2,636
51.14%
45.44%
2021
1,092
1,066
2,158
49.40%
44.40%
2020
871
742
1,613
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
11
8
19
42.11%
42.44%
2024
9
4
13
30.77%
41.75%
2023
5
2
7
28.57%
38.64%
2022
3
1
4
25.00%
39.39%
2021
2
0
2
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
120
81
201
40.30%
38.98%
2024
138
94
232
40.52%
39.58%
2023
171
75
246
30.49%
36.96%
2022
153
73
226
32.30%
37.07%
2021
134
74
208
35.58%
39.17%
2020
193
86
279
30.82%
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
75
50
125
40.00%
13.25%
2024
113
59
172
34.30%
12.32%
2023
63
49
112
43.75%
16.34%
2022
107
72
179
40.22%
11.13%
2021
62
50
112
44.64%
18.93%
2020
83
61
144
42.36%
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
23,085
17,894
40,979
43.67%
45.21%
2024
20,244
16,414
36,658
44.78%
45.23%
2023
19,682
14,623
34,305
42.63%
44.64%
2022
17,465
13,340
30,805
43.30%
46.15%
2021
18,513
15,253
33,766
45.17%
46.87%
2020
16,778
12,103
28,881
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
0
1
0.00%
3.84%
2024
0
0
0
0.00%
4.30%