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
2,193
1,988
4,181
47.55%
23.88%
2024
2,452
2,005
4,457
44.99%
23.31%
2023
2,383
1,593
3,976
40.07%
22.83%
2022
2,160
1,725
3,885
44.40%
23.10%
2021
2,091
1,625
3,716
43.73%
22.81%
2020
1,320
1,458
2,778
52.48%
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
16
2
18
11.11%
49.08%
2024
13
1
14
7.14%
47.46%
2023
12
1
13
7.69%
47.29%
2022
12
1
13
7.69%
45.44%
2021
12
0
12
0.00%
44.40%
2020
5
0
5
0.00%
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
34
6
40
15.00%
42.44%
2024
37
6
43
13.95%
41.75%
2023
44
2
46
4.35%
38.64%
2022
35
1
36
2.78%
39.39%
2021
35
1
36
2.78%
40.41%
2020
42
2
44
4.55%
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
814
125
939
13.31%
38.98%
2024
748
113
861
13.12%
39.58%
2023
882
22
904
2.43%
36.96%
2022
624
16
640
2.50%
37.07%
2021
639
11
650
1.69%
39.17%
2020
773
17
790
2.15%
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
1
0
1
0.00%
83.87%
2024
0
0
0
0.00%
81.44%
2023
1
0
1
0.00%
74.87%
2022
1
0
1
0.00%
72.69%
2021
2
0
2
0.00%
79.01%
2020
2
0
2
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
0
0
0
0.00%
13.25%
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%
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
1,020
426
1,446
29.46%
45.21%
2024
1,122
449
1,571
28.58%
45.23%
2023
991
337
1,328
25.38%
44.64%
2022
878
277
1,155
23.98%
46.15%
2021
908
262
1,170
22.39%
46.87%
2020
668
215
883
24.35%
43.90%