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
1,967,842
801,919
2,769,761
28.95%
23.88%
2024
1,763,724
686,373
2,450,097
28.01%
23.31%
2023
1,695,858
632,502
2,328,360
27.17%
22.83%
2022
1,565,707
573,143
2,138,850
26.80%
23.10%
2021
1,572,768
554,648
2,127,416
26.07%
22.81%
2020
1,311,613
413,933
1,725,546
23.99%
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
561
534
1,095
48.77%
49.08%
2024
636
519
1,155
44.94%
47.46%
2023
596
531
1,127
47.12%
47.29%
2022
605
538
1,143
47.07%
45.44%
2021
496
377
873
43.18%
44.40%
2020
523
345
868
39.75%
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
23
7
30
23.33%
42.44%
2024
9
5
14
35.71%
41.75%
2023
4
1
5
20.00%
38.64%
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
0
1
1
100.00%
38.98%
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
1
2
50.00%
83.87%
2024
1
0
1
0.00%
81.44%
2023
0
0
0
0.00%
74.87%
2022
0
0
0
0.00%
72.69%
2021
1
1
2
50.00%
79.01%
2020
0
0
0
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
1,148
631
1,779
35.47%
13.25%
2024
1,588
862
2,450
35.18%
12.32%
2023
1,144
652
1,796
36.30%
16.34%
2022
1,511
927
2,438
38.02%
11.13%
2021
982
698
1,680
41.55%
18.93%
2020
1,237
850
2,087
40.73%
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
620,850
558,906
1,179,756
47.37%
45.21%
2024
503,734
475,958
979,692
48.58%
45.23%
2023
456,003
384,790
840,793
45.77%
44.64%
2022
394,967
337,568
732,535
46.08%
46.15%
2021
409,493
401,773
811,266
49.52%
46.87%
2020
351,475
310,785
662,260
46.93%
43.90%
Warranty
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
18
79
97
81.44%
3.84%
2024
0
0
0
0.00%
4.30%