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
									
									
										2,684
									
									
										50
									
									
										2,734
									
									
										1.83%
									
									
										23.31%
									
								
										2023
									
									
										3,078
									
									
										91
									
									
										3,169
									
									
										2.87%
									
									
										22.83%
									
								
										2022
									
									
										2,352
									
									
										243
									
									
										2,595
									
									
										9.36%
									
									
										23.10%
									
								
										2021
									
									
										2,341
									
									
										544
									
									
										2,885
									
									
										18.86%
									
									
										22.81%
									
								
										2020
									
									
										2,334
									
									
										548
									
									
										2,882
									
									
										19.01%
									
									
										21.51%
									
								
										2019
									
									
										3,377
									
									
										719
									
									
										4,096
									
									
										17.55%
									
									
										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
									
									
										3
									
									
										9
									
									
										33.33%
									
									
										47.45%
									
								
										2023
									
									
										20
									
									
										16
									
									
										36
									
									
										44.44%
									
									
										47.29%
									
								
										2022
									
									
										4
									
									
										1
									
									
										5
									
									
										20.00%
									
									
										45.44%
									
								
										2021
									
									
										15
									
									
										5
									
									
										20
									
									
										25.00%
									
									
										44.40%
									
								
										2020
									
									
										16
									
									
										10
									
									
										26
									
									
										38.46%
									
									
										42.45%
									
								
										2019
									
									
										11
									
									
										9
									
									
										20
									
									
										45.00%
									
									
										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
									
									
										106
									
									
										51
									
									
										157
									
									
										32.48%
									
									
										41.74%
									
								
										2023
									
									
										137
									
									
										65
									
									
										202
									
									
										32.18%
									
									
										38.64%
									
								
										2022
									
									
										51
									
									
										38
									
									
										89
									
									
										42.70%
									
									
										39.39%
									
								
										2021
									
									
										64
									
									
										60
									
									
										124
									
									
										48.39%
									
									
										40.41%
									
								
										2020
									
									
										66
									
									
										75
									
									
										141
									
									
										53.19%
									
									
										48.09%
									
								
										2019
									
									
										92
									
									
										77
									
									
										169
									
									
										45.56%
									
									
										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
									
									
										644
									
									
										480
									
									
										1,124
									
									
										42.70%
									
									
										39.58%
									
								
										2023
									
									
										1,443
									
									
										680
									
									
										2,123
									
									
										32.03%
									
									
										36.96%
									
								
										2022
									
									
										1,006
									
									
										473
									
									
										1,479
									
									
										31.98%
									
									
										37.07%
									
								
										2021
									
									
										932
									
									
										477
									
									
										1,409
									
									
										33.85%
									
									
										39.17%
									
								
										2020
									
									
										1,140
									
									
										554
									
									
										1,694
									
									
										32.70%
									
									
										35.42%
									
								
										2019
									
									
										1,789
									
									
										675
									
									
										2,464
									
									
										27.39%
									
									
										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
										2023
									
									
										0
									
									
										1
									
									
										1
									
									
										100.00%
									
									
										16.34%
									
								
										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
									
									
										519
									
									
										80
									
									
										599
									
									
										13.36%
									
									
										45.22%
									
								
										2023
									
									
										505
									
									
										31
									
									
										536
									
									
										5.78%
									
									
										44.64%
									
								
										2022
									
									
										504
									
									
										82
									
									
										586
									
									
										13.99%
									
									
										46.15%
									
								
										2021
									
									
										545
									
									
										210
									
									
										755
									
									
										27.81%
									
									
										46.87%
									
								
										2020
									
									
										600
									
									
										190
									
									
										790
									
									
										24.05%
									
									
										43.90%
									
								
										2019
									
									
										795
									
									
										247
									
									
										1,042
									
									
										23.70%
									
									
										42.09%