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
									
									
										110
									
									
										137
									
									
										247
									
									
										55.47%
									
									
										23.31%
									
								
										2023
									
									
										164
									
									
										125
									
									
										289
									
									
										43.25%
									
									
										22.83%
									
								
										2022
									
									
										211
									
									
										106
									
									
										317
									
									
										33.44%
									
									
										23.10%
									
								
										2021
									
									
										155
									
									
										92
									
									
										247
									
									
										37.25%
									
									
										22.81%
									
								
										2020
									
									
										130
									
									
										86
									
									
										216
									
									
										39.81%
									
									
										21.51%
									
								
										2019
									
									
										114
									
									
										92
									
									
										206
									
									
										44.66%
									
									
										22.66%
									
								
										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
									
									
										105
									
									
										102
									
									
										207
									
									
										49.28%
									
									
										41.74%
									
								
										2023
									
									
										232
									
									
										17
									
									
										249
									
									
										6.83%
									
									
										38.64%
									
								
										2022
									
									
										173
									
									
										6
									
									
										179
									
									
										3.35%
									
									
										39.39%
									
								
										2021
									
									
										199
									
									
										9
									
									
										208
									
									
										4.33%
									
									
										40.41%
									
								
										2020
									
									
										190
									
									
										17
									
									
										207
									
									
										8.21%
									
									
										48.09%
									
								
										2019
									
									
										266
									
									
										5
									
									
										271
									
									
										1.85%
									
									
										43.30%
									
								
										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%