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
474,808
105,594
580,402
18.19%
23.88%
2024
631,955
160,465
792,420
20.25%
23.31%
2023
717,560
179,298
896,858
19.99%
22.83%
2022
705,332
182,663
887,995
20.57%
23.10%
2021
679,020
177,250
856,270
20.70%
22.81%
2020
617,525
138,370
755,895
18.31%
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
3,639
1,247
4,886
25.52%
49.08%
2024
3,180
1,138
4,318
26.35%
47.46%
2023
7,792
2,281
10,073
22.64%
47.29%
2022
5,547
1,640
7,187
22.82%
45.44%
2021
4,668
4,441
9,109
48.75%
44.40%
2020
4,563
4,316
8,879
48.61%
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
6,585
4,036
10,621
38.00%
42.44%
2024
10,961
5,601
16,562
33.82%
41.75%
2023
19,373
11,161
30,534
36.55%
38.64%
2022
14,568
9,677
24,245
39.91%
39.39%
2021
12,624
13,203
25,827
51.12%
40.41%
2020
16,222
15,051
31,273
48.13%
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
166,160
103,762
269,922
38.44%
38.98%
2024
213,337
123,116
336,453
36.59%
39.58%
2023
215,563
144,019
359,582
40.05%
36.96%
2022
179,904
98,851
278,755
35.46%
37.07%
2021
156,750
96,343
253,093
38.07%
39.17%
2020
168,753
95,198
263,951
36.07%
35.42%
Medical Professional 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
0
4,960
4,960
100.00%
95.15%
2024
3
12,476
12,479
99.98%
96.08%
2023
0
5,235
5,235
100.00%
95.22%
2022
0
0
0
0.00%
96.00%
2021
1
0
1
0.00%
93.58%
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
67
1,185
1,252
94.65%
83.87%
2024
44
1,852
1,896
97.68%
81.44%
2023
61
832
893
93.17%
74.87%
2022
61
0
61
0.00%
72.69%
2021
74
1
75
1.33%
79.01%
2020
63
4
67
5.97%
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
1,025
1,002
2,027
49.43%
13.25%
2024
733
876
1,609
54.44%
12.32%
2023
3,202
1,680
4,882
34.41%
16.34%
2022
1,623
1,097
2,720
40.33%
11.13%
2021
690
537
1,227
43.77%
18.93%
2020
922
831
1,753
47.40%
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
101,621
38,376
139,997
27.41%
45.21%
2024
178,329
76,119
254,448
29.92%
45.23%
2023
174,192
72,560
246,752
29.41%
44.64%
2022
165,963
71,716
237,679
30.17%
46.15%
2021
164,476
82,235
246,711
33.33%
46.87%
2020
113,639
55,216
168,855
32.70%
43.90%
Product 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%
63.59%
2024
0
0
0
0.00%
63.97%
2023
0
1
1
100.00%
62.55%
2022
1
1
2
50.00%
56.52%
2021
5
4
9
44.44%
62.74%
2020
0
0
0
0.00%
61.51%
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
378
95
473
20.08%
34.83%
2024
444
166
610
27.21%
35.33%
2023
1,020
4,990
6,010
83.03%
35.67%
2022
961
3,046
4,007
76.02%
37.14%
2021
1,030
431
1,461
29.50%
35.46%
2020
1,019
253
1,272
19.89%
33.86%