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
151,279
52,972
204,251
25.93%
23.88%
2024
208,732
69,754
278,486
25.05%
23.31%
2023
281,517
93,463
374,980
24.92%
22.83%
2022
313,027
105,959
418,986
25.29%
23.10%
2021
259,686
94,691
354,377
26.72%
22.81%
2020
246,674
69,620
316,294
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
5,312
14,078
19,390
72.60%
49.08%
2024
5,559
13,816
19,375
71.31%
47.46%
2023
6,305
12,688
18,993
66.80%
47.29%
2022
6,648
10,858
17,506
62.02%
45.44%
2021
4,952
8,159
13,111
62.23%
44.40%
2020
5,403
6,164
11,567
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
1,197
1,106
2,303
48.02%
42.44%
2024
1,891
1,520
3,411
44.56%
41.75%
2023
2,621
1,908
4,529
42.13%
38.64%
2022
2,927
1,970
4,897
40.23%
39.39%
2021
2,808
1,810
4,618
39.19%
40.41%
2020
3,318
2,147
5,465
39.29%
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
21,978
15,524
37,502
41.40%
38.98%
2024
35,873
24,648
60,521
40.73%
39.58%
2023
54,962
28,025
82,987
33.77%
36.96%
2022
44,340
27,450
71,790
38.24%
37.07%
2021
44,282
30,553
74,835
40.83%
39.17%
2020
40,927
28,611
69,538
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
59
265
324
81.79%
95.15%
2024
72
118
190
62.11%
96.08%
2023
51
97
148
65.54%
95.22%
2022
15
346
361
95.84%
96.00%
2021
5
382
387
98.71%
93.58%
2020
2
32
34
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
25
52
77
67.53%
94.16%
2024
38
71
109
65.14%
92.29%
2023
40
71
111
63.96%
92.52%
2022
30
90
120
75.00%
92.14%
2021
26
82
108
75.93%
91.74%
2020
9
26
35
74.29%
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
66
1,542
1,608
95.90%
83.87%
2024
89
2,630
2,719
96.73%
81.44%
2023
70
1,264
1,334
94.75%
74.87%
2022
69
1,250
1,319
94.77%
72.69%
2021
42
1,339
1,381
96.96%
79.01%
2020
28
1,040
1,068
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
767
2,171
2,938
73.89%
13.25%
2024
881
2,428
3,309
73.38%
12.32%
2023
961
2,803
3,764
74.47%
16.34%
2022
1,113
2,858
3,971
71.97%
11.13%
2021
993
2,546
3,539
71.94%
18.93%
2020
930
2,970
3,900
76.15%
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
29,055
34,246
63,301
54.10%
45.21%
2024
38,036
45,059
83,095
54.23%
45.23%
2023
48,513
61,823
110,336
56.03%
44.64%
2022
53,727
74,451
128,178
58.08%
46.15%
2021
46,600
66,795
113,395
58.90%
46.87%
2020
41,816
48,196
90,012
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
11
11
100.00%
84.76%
2024
0
30
30
100.00%
84.35%
2023
0
17
17
100.00%
68.07%
2022
1
44
45
97.78%
77.84%
2021
0
12
12
100.00%
84.45%
2020
0
7
7
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
76
124
200
62.00%
63.59%
2024
66
151
217
69.59%
63.97%
2023
70
161
231
69.70%
62.55%
2022
82
171
253
67.59%
56.52%
2021
67
196
263
74.52%
62.74%
2020
81
187
268
69.78%
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
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
14,336
12,113
26,449
45.80%
34.83%
2024
15,237
12,321
27,558
44.71%
35.33%
2023
16,071
12,757
28,828
44.25%
35.67%
2022
16,262
16,290
32,552
50.04%
37.14%
2021
14,439
17,172
31,611
54.32%
35.46%
2020
14,376
14,221
28,597
49.73%
33.86%