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
110,789
22,293
133,082
16.75%
23.88%
2024
117,145
23,527
140,672
16.72%
23.31%
2023
113,773
16,937
130,710
12.96%
22.83%
2022
109,300
15,103
124,403
12.14%
23.10%
2021
106,391
13,839
120,230
11.51%
22.81%
2020
99,683
19,792
119,475
16.57%
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
116
38
154
24.68%
49.08%
2024
111
29
140
20.71%
47.46%
2023
100
21
121
17.36%
47.29%
2022
109
24
133
18.05%
45.44%
2021
110
23
133
17.29%
44.40%
2020
81
38
119
31.93%
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
380
155
535
28.97%
42.44%
2024
329
132
461
28.63%
41.75%
2023
425
112
537
20.86%
38.64%
2022
332
76
408
18.63%
39.39%
2021
339
93
432
21.53%
40.41%
2020
225
328
553
59.31%
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
17,010
13,904
30,914
44.98%
38.98%
2024
19,358
13,018
32,376
40.21%
39.58%
2023
26,496
12,752
39,248
32.49%
36.96%
2022
19,768
9,164
28,932
31.67%
37.07%
2021
22,867
11,543
34,410
33.55%
39.17%
2020
24,100
12,027
36,127
33.29%
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
2025
1
0
1
0.00%
83.87%
2024
0
3
3
100.00%
81.44%
2023
1
0
1
0.00%
74.87%
2022
0
1
1
100.00%
72.69%
2021
3
1
4
25.00%
79.01%
2020
1
8
9
88.89%
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
505
167
672
24.85%
13.25%
2024
728
230
958
24.01%
12.32%
2023
799
294
1,093
26.90%
16.34%
2022
861
335
1,196
28.01%
11.13%
2021
952
322
1,274
25.27%
18.93%
2020
667
134
801
16.73%
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
12,144
10,701
22,845
46.84%
45.21%
2024
12,447
10,914
23,361
46.72%
45.23%
2023
11,534
10,780
22,314
48.31%
44.64%
2022
11,540
10,426
21,966
47.46%
46.15%
2021
12,727
11,554
24,281
47.58%
46.87%
2020
14,410
13,227
27,637
47.86%
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
101
38
139
27.34%
34.83%
2024
82
26
108
24.07%
35.33%
2023
89
33
122
27.05%
35.67%
2022
104
33
137
24.09%
37.14%
2021
99
28
127
22.05%
35.46%
2020
97
38
135
28.15%
33.86%