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
									
									
										78
									
									
										4
									
									
										82
									
									
										4.88%
									
									
										23.31%
									
								
										2023
									
									
										148
									
									
										6
									
									
										154
									
									
										3.90%
									
									
										22.83%
									
								
										2022
									
									
										227
									
									
										5
									
									
										232
									
									
										2.16%
									
									
										23.10%
									
								
										2021
									
									
										187
									
									
										4
									
									
										191
									
									
										2.09%
									
									
										22.81%
									
								
										2020
									
									
										167
									
									
										5
									
									
										172
									
									
										2.91%
									
									
										21.51%
									
								
										2019
									
									
										113
									
									
										4
									
									
										117
									
									
										3.42%
									
									
										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
									
									
										76
									
									
										18
									
									
										94
									
									
										19.15%
									
									
										47.45%
									
								
										2023
									
									
										86
									
									
										10
									
									
										96
									
									
										10.42%
									
									
										47.29%
									
								
										2022
									
									
										117
									
									
										2
									
									
										119
									
									
										1.68%
									
									
										45.44%
									
								
										2021
									
									
										92
									
									
										1
									
									
										93
									
									
										1.08%
									
									
										44.40%
									
								
										2020
									
									
										58
									
									
										7
									
									
										65
									
									
										10.77%
									
									
										42.45%
									
								
										2019
									
									
										60
									
									
										7
									
									
										67
									
									
										10.45%
									
									
										44.33%
									
								
										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
									
									
										1
									
									
										9
									
									
										10
									
									
										90.00%
									
									
										81.44%
									
								
										2023
									
									
										0
									
									
										2
									
									
										2
									
									
										100.00%
									
									
										74.87%
									
								
										2022
									
									
										0
									
									
										2
									
									
										2
									
									
										100.00%
									
									
										72.69%
									
								
										2021
									
									
										1
									
									
										0
									
									
										1
									
									
										0.00%
									
									
										79.01%
									
								
										2020
									
									
										1
									
									
										3
									
									
										4
									
									
										75.00%
									
									
										80.13%
									
								
										2019
									
									
										1
									
									
										8
									
									
										9
									
									
										88.89%
									
									
										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
									
									
										43
									
									
										4
									
									
										47
									
									
										8.51%
									
									
										12.32%
									
								
										2023
									
									
										39
									
									
										7
									
									
										46
									
									
										15.22%
									
									
										16.34%
									
								
										2022
									
									
										37
									
									
										5
									
									
										42
									
									
										11.90%
									
									
										11.13%
									
								
										2021
									
									
										44
									
									
										4
									
									
										48
									
									
										8.33%
									
									
										18.93%
									
								
										2020
									
									
										47
									
									
										8
									
									
										55
									
									
										14.55%
									
									
										20.93%
									
								
										2019
									
									
										56
									
									
										8
									
									
										64
									
									
										12.50%
									
									
										16.90%
									
								
										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
										2024
									
									
										14
									
									
										2
									
									
										16
									
									
										12.50%
									
									
										63.97%
									
								
										2023
									
									
										16
									
									
										10
									
									
										26
									
									
										38.46%
									
									
										62.55%
									
								
										2022
									
									
										15
									
									
										8
									
									
										23
									
									
										34.78%
									
									
										56.52%
									
								
										2021
									
									
										24
									
									
										2
									
									
										26
									
									
										7.69%
									
									
										62.74%
									
								
										2020
									
									
										21
									
									
										2
									
									
										23
									
									
										8.70%
									
									
										61.51%
									
								
										2019
									
									
										27
									
									
										2
									
									
										29
									
									
										6.90%
									
									
										70.02%