NGM Ins Co
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
19,533
2,898
22,431
12.92%
23.88%
2024
57,833
6,813
64,646
10.54%
23.31%
2023
65,319
7,797
73,116
10.66%
22.83%
2022
58,932
18,860
77,792
24.24%
23.10%
2021
57,679
17,815
75,494
23.60%
22.81%
2020
59,567
14,515
74,082
19.59%
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
1,076
354
1,430
24.76%
49.08%
2024
1,501
524
2,025
25.88%
47.46%
2023
2,375
758
3,133
24.19%
47.29%
2022
3,453
1,960
5,413
36.21%
45.44%
2021
3,804
3,608
7,412
48.68%
44.40%
2020
3,454
4,097
7,551
54.26%
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
511
332
843
39.38%
42.44%
2024
3,898
2,288
6,186
36.99%
41.75%
2023
4,826
3,392
8,218
41.28%
38.64%
2022
6,148
6,009
12,157
49.43%
39.39%
2021
5,090
5,079
10,169
49.95%
40.41%
2020
5,604
8,349
13,953
59.84%
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
2,036
370
2,406
15.38%
38.98%
2024
4,913
1,068
5,981
17.86%
39.58%
2023
4,921
984
5,905
16.66%
36.96%
2022
5,446
2,665
8,111
32.86%
37.07%
2021
4,894
2,165
7,059
30.67%
39.17%
2020
5,982
1,875
7,857
23.86%
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
2021
31
0
31
0.00%
79.01%
2020
31
0
31
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
26
33
59
55.93%
13.25%
2024
4
3
7
42.86%
12.32%
2023
31
38
69
55.07%
16.34%
2022
3
3
6
50.00%
11.13%
2021
6
11
17
64.71%
18.93%
2020
0
5
5
100.00%
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
3,896
1,171
5,067
23.11%
45.21%
2024
11,689
3,329
15,018
22.17%
45.23%
2023
12,101
3,478
15,579
22.32%
44.64%
2022
13,315
6,727
20,042
33.56%
46.15%
2021
11,848
10,740
22,588
47.55%
46.87%
2020
11,104
14,332
25,436
56.35%
43.90%
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
2025
102
22
124
17.74%
34.83%
2024
265
104
369
28.18%
35.33%
2023
257
176
433
40.65%
35.67%
2022
220
258
478
53.97%
37.14%
2021
481
232
713
32.54%
35.46%
2020
489
188
677
27.77%
33.86%