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
2,695,158
659,244
3,354,402
19.65%
23.88%
2024
2,986,616
684,042
3,670,658
18.64%
23.31%
2023
2,648,524
553,393
3,201,917
17.28%
22.83%
2022
2,933,833
728,355
3,662,188
19.89%
23.10%
2021
2,914,878
684,345
3,599,223
19.01%
22.81%
2020
3,263,523
700,152
3,963,675
17.66%
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
5,052
5,754
10,806
53.25%
49.08%
2024
5,215
2,615
7,830
33.40%
47.46%
2023
4,271
3,231
7,502
43.07%
47.29%
2022
3,476
3,881
7,357
52.75%
45.44%
2021
2,748
3,209
5,957
53.87%
44.40%
2020
4,568
5,283
9,851
53.63%
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
1,836
2,187
4,023
54.36%
42.44%
2024
1,549
919
2,468
37.24%
41.75%
2023
1,780
1,331
3,111
42.78%
38.64%
2022
2,249
2,200
4,449
49.45%
39.39%
2021
2,736
2,218
4,954
44.77%
40.41%
2020
2,316
3,304
5,620
58.79%
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
1,725
235
1,960
11.99%
38.98%
2024
5,493
652
6,145
10.61%
39.58%
2023
5,839
920
6,759
13.61%
36.96%
2022
4,277
845
5,122
16.50%
37.07%
2021
4,782
900
5,682
15.84%
39.17%
2020
1,621
1,019
2,640
38.60%
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
532
1,031
1,563
65.96%
95.15%
2024
145
910
1,055
86.26%
96.08%
2023
49
777
826
94.07%
95.22%
2022
42
809
851
95.06%
96.00%
2021
496
528
1,024
51.56%
93.58%
2020
33
645
678
95.13%
94.02%
Medical Professional 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
11
241
252
95.63%
94.16%
2024
11
226
237
95.36%
92.29%
2023
11
216
227
95.15%
92.52%
2022
7
211
218
96.79%
92.14%
2021
121
110
231
47.62%
91.74%
2020
39
229
268
85.45%
93.85%
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
661
5,643
6,304
89.51%
83.87%
2024
1,378
5,377
6,755
79.60%
81.44%
2023
603
4,575
5,178
88.35%
74.87%
2022
412
2,282
2,694
84.71%
72.69%
2021
368
1,592
1,960
81.22%
79.01%
2020
259
1,220
1,479
82.49%
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
1,175
1,590
2,765
57.50%
13.25%
2024
1,351
2,167
3,518
61.60%
12.32%
2023
1,347
2,180
3,527
61.81%
16.34%
2022
1,189
1,918
3,107
61.73%
11.13%
2021
963
1,611
2,574
62.59%
18.93%
2020
511
1,143
1,654
69.11%
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
273,089
149,586
422,675
35.39%
45.21%
2024
275,157
148,442
423,599
35.04%
45.23%
2023
476,533
242,270
718,803
33.70%
44.64%
2022
560,329
370,706
931,035
39.82%
46.15%
2021
538,294
375,870
914,164
41.12%
46.87%
2020
503,050
328,494
831,544
39.50%
43.90%
Product 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
0
0
0.00%
84.76%
2024
0
0
0
0.00%
84.35%
2023
0
0
0
0.00%
68.07%
2022
0
0
0
0.00%
77.84%
2021
0
0
0
0.00%
84.45%
2020
0
0
0
0.00%
83.02%
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
7
20
27
74.07%
63.59%
2024
5
20
25
80.00%
63.97%
2023
11
18
29
62.07%
62.55%
2022
23
5
28
17.86%
56.52%
2021
3
0
3
0.00%
62.74%
2020
0
1
1
100.00%
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
2,984
1,873
4,857
38.56%
34.83%
2024
2,449
1,741
4,190
41.55%
35.33%
2023
2,508
1,594
4,102
38.86%
35.67%
2022
2,614
1,815
4,429
40.98%
37.14%
2021
3,416
1,714
5,130
33.41%
35.46%
2020
2,975
572
3,547
16.13%
33.86%