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
378,198
132,431
510,629
25.93%
23.88%
2024
521,830
174,386
696,216
25.05%
23.31%
2023
703,792
233,659
937,451
24.92%
22.83%
2022
782,567
264,897
1,047,464
25.29%
23.10%
2021
649,215
236,727
885,942
26.72%
22.81%
2020
616,686
174,049
790,735
22.01%
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
13,281
35,196
48,477
72.60%
49.08%
2024
13,897
34,541
48,438
71.31%
47.46%
2023
15,764
31,720
47,484
66.80%
47.29%
2022
16,619
27,146
43,765
62.03%
45.44%
2021
12,381
20,397
32,778
62.23%
44.40%
2020
13,508
15,411
28,919
53.29%
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
2,993
2,765
5,758
48.02%
42.44%
2024
4,727
3,801
8,528
44.57%
41.75%
2023
6,552
4,771
11,323
42.14%
38.64%
2022
7,318
4,924
12,242
40.22%
39.39%
2021
7,019
4,524
11,543
39.19%
40.41%
2020
8,295
5,367
13,662
39.28%
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
54,945
38,811
93,756
41.40%
38.98%
2024
89,682
61,619
151,301
40.73%
39.58%
2023
137,405
70,063
207,468
33.77%
36.96%
2022
110,851
68,625
179,476
38.24%
37.07%
2021
110,706
76,382
187,088
40.83%
39.17%
2020
102,319
71,527
173,846
41.14%
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
147
664
811
81.87%
95.15%
2024
180
294
474
62.03%
96.08%
2023
128
242
370
65.41%
95.22%
2022
39
866
905
95.69%
96.00%
2021
12
955
967
98.76%
93.58%
2020
5
80
85
94.12%
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
64
130
194
67.01%
94.16%
2024
95
177
272
65.07%
92.29%
2023
101
178
279
63.80%
92.52%
2022
75
225
300
75.00%
92.14%
2021
64
205
269
76.21%
91.74%
2020
23
65
88
73.86%
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
164
3,855
4,019
95.92%
83.87%
2024
222
6,574
6,796
96.73%
81.44%
2023
176
3,160
3,336
94.72%
74.87%
2022
172
3,124
3,296
94.78%
72.69%
2021
106
3,347
3,453
96.93%
79.01%
2020
70
2,601
2,671
97.38%
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
1,918
5,428
7,346
73.89%
13.25%
2024
2,203
6,071
8,274
73.37%
12.32%
2023
2,403
7,007
9,410
74.46%
16.34%
2022
2,782
7,144
9,926
71.97%
11.13%
2021
2,482
6,365
8,847
71.95%
18.93%
2020
2,324
7,426
9,750
76.16%
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
72,637
85,615
158,252
54.10%
45.21%
2024
95,090
112,648
207,738
54.23%
45.23%
2023
121,284
154,558
275,842
56.03%
44.64%
2022
134,319
186,128
320,447
58.08%
46.15%
2021
116,500
166,988
283,488
58.90%
46.87%
2020
104,541
120,491
225,032
53.54%
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
29
29
100.00%
84.76%
2024
0
76
76
100.00%
84.35%
2023
1
43
44
97.73%
68.07%
2022
2
111
113
98.23%
77.84%
2021
0
29
29
100.00%
84.45%
2020
0
19
19
100.00%
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
190
310
500
62.00%
63.59%
2024
165
377
542
69.56%
63.97%
2023
176
402
578
69.55%
62.55%
2022
204
427
631
67.67%
56.52%
2021
169
489
658
74.32%
62.74%
2020
202
468
670
69.85%
61.51%
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
2023
0
0
0
0.00%
4.57%
2022
0
0
0
0.00%
4.29%
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
35,840
30,282
66,122
45.80%
34.83%
2024
38,093
30,803
68,896
44.71%
35.33%
2023
40,178
31,893
72,071
44.25%
35.67%
2022
40,655
40,726
81,381
50.04%
37.14%
2021
36,098
42,931
79,029
54.32%
35.46%
2020
35,941
35,553
71,494
49.73%
33.86%