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
2,788
2,055
4,843
42.43%
23.88%
2024
2,527
2,747
5,274
52.09%
23.31%
2023
390
158
548
28.83%
22.83%
2022
4,837
1,065
5,902
18.04%
23.10%
2021
2,084
355
2,439
14.56%
22.81%
2020
3,755
521
4,276
12.18%
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
36
14
50
28.00%
49.08%
2024
40
17
57
29.82%
47.46%
2023
0
0
0
0.00%
47.29%
2022
50
19
69
27.54%
45.44%
2021
41
17
58
29.31%
44.40%
2020
42
18
60
30.00%
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
2025
4
2
6
33.33%
42.44%
2024
6
2
8
25.00%
41.75%
2023
8
3
11
27.27%
38.64%
2022
6
3
9
33.33%
39.39%
2021
6
2
8
25.00%
40.41%
2020
6
5
11
45.45%
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
89
148
237
62.45%
38.98%
2024
69
226
295
76.61%
39.58%
2023
53
24
77
31.17%
36.96%
2022
117
230
347
66.28%
37.07%
2021
119
78
197
39.59%
39.17%
2020
260
100
360
27.78%
35.42%
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
0
0
0
0.00%
13.25%
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%
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
555
970
1,525
63.61%
45.21%
2024
356
1,278
1,634
78.21%
45.23%
2023
135
85
220
38.64%
44.64%
2022
881
781
1,662
46.99%
46.15%
2021
467
242
709
34.13%
46.87%
2020
920
365
1,285
28.40%
43.90%
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
2025
0
0
0
0.00%
63.59%
2024
0
0
0
0.00%
63.97%
2023
0
0
0
0.00%
62.55%
2022
0
0
0
0.00%
56.52%
2021
0
0
0
0.00%
62.74%
2020
0
0
0
0.00%
61.51%