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
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										23.31%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										22.83%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										23.10%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										22.81%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										21.51%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										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
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										47.45%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										47.29%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										45.44%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										44.40%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										41.74%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										38.64%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										81.44%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										74.87%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										72.69%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										79.01%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										80.13%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										77.47%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										12.32%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										16.34%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										11.13%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										18.93%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										20.93%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										16.90%