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
										2024
									
									
										1,462
									
									
										230
									
									
										1,692
									
									
										13.59%
									
									
										23.31%
									
								
										2023
									
									
										1,511
									
									
										216
									
									
										1,727
									
									
										12.51%
									
									
										22.83%
									
								
										2022
									
									
										1,560
									
									
										190
									
									
										1,750
									
									
										10.86%
									
									
										23.10%
									
								
										2021
									
									
										1,411
									
									
										177
									
									
										1,588
									
									
										11.15%
									
									
										22.81%
									
								
										2020
									
									
										1,244
									
									
										164
									
									
										1,408
									
									
										11.65%
									
									
										21.51%
									
								
										2019
									
									
										1,670
									
									
										232
									
									
										1,902
									
									
										12.20%
									
									
										22.66%
									
								
										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
										2024
									
									
										62
									
									
										14
									
									
										76
									
									
										18.42%
									
									
										47.45%
									
								
										2023
									
									
										52
									
									
										13
									
									
										65
									
									
										20.00%
									
									
										47.29%
									
								
										2022
									
									
										56
									
									
										16
									
									
										72
									
									
										22.22%
									
									
										45.44%
									
								
										2021
									
									
										50
									
									
										11
									
									
										61
									
									
										18.03%
									
									
										44.40%
									
								
										2020
									
									
										46
									
									
										13
									
									
										59
									
									
										22.03%
									
									
										42.45%
									
								
										2019
									
									
										76
									
									
										20
									
									
										96
									
									
										20.83%
									
									
										44.33%
									
								
										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
										2024
									
									
										10
									
									
										9
									
									
										19
									
									
										47.37%
									
									
										41.74%
									
								
										2023
									
									
										15
									
									
										14
									
									
										29
									
									
										48.28%
									
									
										38.64%
									
								
										2022
									
									
										13
									
									
										12
									
									
										25
									
									
										48.00%
									
									
										39.39%
									
								
										2021
									
									
										17
									
									
										12
									
									
										29
									
									
										41.38%
									
									
										40.41%
									
								
										2020
									
									
										16
									
									
										28
									
									
										44
									
									
										63.64%
									
									
										48.09%
									
								
										2019
									
									
										15
									
									
										14
									
									
										29
									
									
										48.28%
									
									
										43.30%
									
								
										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
										2024
									
									
										54
									
									
										11
									
									
										65
									
									
										16.92%
									
									
										39.58%
									
								
										2023
									
									
										69
									
									
										15
									
									
										84
									
									
										17.86%
									
									
										36.96%
									
								
										2022
									
									
										55
									
									
										11
									
									
										66
									
									
										16.67%
									
									
										37.07%
									
								
										2021
									
									
										97
									
									
										16
									
									
										113
									
									
										14.16%
									
									
										39.17%
									
								
										2020
									
									
										91
									
									
										15
									
									
										106
									
									
										14.15%
									
									
										35.42%
									
								
										2019
									
									
										72
									
									
										14
									
									
										86
									
									
										16.28%
									
									
										35.34%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										12.32%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										16.34%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										11.13%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										18.93%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										20.93%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										16.90%
									
								
										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
									
									
										340
									
									
										84
									
									
										424
									
									
										19.81%
									
									
										45.22%
									
								
										2023
									
									
										324
									
									
										80
									
									
										404
									
									
										19.80%
									
									
										44.64%
									
								
										2022
									
									
										321
									
									
										90
									
									
										411
									
									
										21.90%
									
									
										46.15%
									
								
										2021
									
									
										283
									
									
										73
									
									
										356
									
									
										20.51%
									
									
										46.87%
									
								
										2020
									
									
										268
									
									
										65
									
									
										333
									
									
										19.52%
									
									
										43.90%
									
								
										2019
									
									
										414
									
									
										99
									
									
										513
									
									
										19.30%
									
									
										42.09%
									
								
										Workers' Compensation
									
									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
									
									
										4
									
									
										1
									
									
										5
									
									
										20.00%
									
									
										35.33%
									
								
										2023
									
									
										5
									
									
										0
									
									
										5
									
									
										0.00%
									
									
										35.67%
									
								
										2022
									
									
										3
									
									
										1
									
									
										4
									
									
										25.00%
									
									
										37.14%
									
								
										2021
									
									
										3
									
									
										1
									
									
										4
									
									
										25.00%
									
									
										35.46%
									
								
										2020
									
									
										3
									
									
										1
									
									
										4
									
									
										25.00%
									
									
										33.86%
									
								
										2019
									
									
										5
									
									
										1
									
									
										6
									
									
										16.67%
									
									
										34.01%