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
									
									
										43,988
									
									
										17,089
									
									
										61,077
									
									
										27.98%
									
									
										23.31%
									
								
										2023
									
									
										37,105
									
									
										13,791
									
									
										50,896
									
									
										27.10%
									
									
										22.83%
									
								
										2022
									
									
										41,502
									
									
										16,933
									
									
										58,435
									
									
										28.98%
									
									
										23.10%
									
								
										2021
									
									
										43,831
									
									
										17,546
									
									
										61,377
									
									
										28.59%
									
									
										22.81%
									
								
										2020
									
									
										37,039
									
									
										11,404
									
									
										48,443
									
									
										23.54%
									
									
										21.51%
									
								
										2019
									
									
										38,618
									
									
										11,842
									
									
										50,460
									
									
										23.47%
									
									
										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
									
									
										6
									
									
										0
									
									
										6
									
									
										0.00%
									
									
										47.45%
									
								
										2023
									
									
										192
									
									
										405
									
									
										597
									
									
										67.84%
									
									
										47.29%
									
								
										2022
									
									
										287
									
									
										1,078
									
									
										1,365
									
									
										78.97%
									
									
										45.44%
									
								
										2021
									
									
										365
									
									
										881
									
									
										1,246
									
									
										70.71%
									
									
										44.40%
									
								
										2020
									
									
										85
									
									
										23
									
									
										108
									
									
										21.30%
									
									
										42.45%
									
								
										2019
									
									
										152
									
									
										16
									
									
										168
									
									
										9.52%
									
									
										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
										2021
									
									
										31
									
									
										10
									
									
										41
									
									
										24.39%
									
									
										40.41%
									
								
										2020
									
									
										131
									
									
										34
									
									
										165
									
									
										20.61%
									
									
										48.09%
									
								
										2019
									
									
										512
									
									
										208
									
									
										720
									
									
										28.89%
									
									
										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
									
									
										89,363
									
									
										57,394
									
									
										146,757
									
									
										39.11%
									
									
										39.58%
									
								
										2023
									
									
										89,680
									
									
										52,998
									
									
										142,678
									
									
										37.15%
									
									
										36.96%
									
								
										2022
									
									
										83,986
									
									
										48,381
									
									
										132,367
									
									
										36.55%
									
									
										37.07%
									
								
										2021
									
									
										80,173
									
									
										55,124
									
									
										135,297
									
									
										40.74%
									
									
										39.17%
									
								
										2020
									
									
										75,960
									
									
										41,287
									
									
										117,247
									
									
										35.21%
									
									
										35.42%
									
								
										2019
									
									
										67,232
									
									
										45,675
									
									
										112,907
									
									
										40.45%
									
									
										35.34%
									
								
										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
										2021
									
									
										1
									
									
										0
									
									
										1
									
									
										0.00%
									
									
										79.01%
									
								
										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
									
									
										464
									
									
										1,586
									
									
										2,050
									
									
										77.37%
									
									
										12.32%
									
								
										2023
									
									
										534
									
									
										1,693
									
									
										2,227
									
									
										76.02%
									
									
										16.34%
									
								
										2022
									
									
										522
									
									
										1,591
									
									
										2,113
									
									
										75.30%
									
									
										11.13%
									
								
										2021
									
									
										441
									
									
										1,694
									
									
										2,135
									
									
										79.34%
									
									
										18.93%
									
								
										2020
									
									
										467
									
									
										1,834
									
									
										2,301
									
									
										79.70%
									
									
										20.93%
									
								
										2019
									
									
										483
									
									
										2,111
									
									
										2,594
									
									
										81.38%
									
									
										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
									
									
										27,477
									
									
										20,924
									
									
										48,401
									
									
										43.23%
									
									
										45.22%
									
								
										2023
									
									
										18,187
									
									
										17,344
									
									
										35,531
									
									
										48.81%
									
									
										44.64%
									
								
										2022
									
									
										21,224
									
									
										18,458
									
									
										39,682
									
									
										46.51%
									
									
										46.15%
									
								
										2021
									
									
										22,089
									
									
										16,929
									
									
										39,018
									
									
										43.39%
									
									
										46.87%
									
								
										2020
									
									
										18,115
									
									
										13,286
									
									
										31,401
									
									
										42.31%
									
									
										43.90%
									
								
										2019
									
									
										20,346
									
									
										13,837
									
									
										34,183
									
									
										40.48%
									
									
										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
										2020
									
									
										9
									
									
										3
									
									
										12
									
									
										25.00%
									
									
										33.86%
									
								
										2019
									
									
										48
									
									
										16
									
									
										64
									
									
										25.00%
									
									
										34.01%