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
61,768
3,693
65,461
5.64%
23.88%
2024
70,104
5,076
75,180
6.75%
23.31%
2023
88,025
7,920
95,945
8.25%
22.83%
2022
95,876
8,374
104,250
8.03%
23.10%
2021
83,393
5,958
89,351
6.67%
22.81%
2020
81,263
5,558
86,821
6.40%
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
51
21
72
29.17%
49.08%
2024
61
19
80
23.75%
47.46%
2023
92
46
138
33.33%
47.29%
2022
84
35
119
29.41%
45.44%
2021
89
23
112
20.54%
44.40%
2020
78
32
110
29.09%
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
1,206
1,265
2,471
51.19%
42.44%
2024
1,704
1,527
3,231
47.26%
41.75%
2023
2,281
1,887
4,168
45.27%
38.64%
2022
2,386
1,994
4,380
45.53%
39.39%
2021
2,689
2,410
5,099
47.26%
40.41%
2020
2,890
5,413
8,303
65.19%
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
7,923
4,312
12,235
35.24%
38.98%
2024
11,772
4,685
16,457
28.47%
39.58%
2023
22,609
7,242
29,851
24.26%
36.96%
2022
13,810
5,383
19,193
28.05%
37.07%
2021
18,334
6,558
24,892
26.35%
39.17%
2020
14,597
5,342
19,939
26.79%
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
0
7
7
100.00%
83.87%
2024
0
11
11
100.00%
81.44%
2023
0
10
10
100.00%
74.87%
2022
0
1
1
100.00%
72.69%
2021
2
4
6
66.67%
79.01%
2020
2
2
4
50.00%
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
25
114
139
82.01%
13.25%
2024
30
68
98
69.39%
12.32%
2023
18
56
74
75.68%
16.34%
2022
21
64
85
75.29%
11.13%
2021
23
53
76
69.74%
18.93%
2020
6
47
53
88.68%
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
3,307
2,044
5,351
38.20%
45.21%
2024
3,898
2,682
6,580
40.76%
45.23%
2023
5,309
3,607
8,916
40.46%
44.64%
2022
5,946
3,068
9,014
34.04%
46.15%
2021
6,310
2,719
9,029
30.11%
46.87%
2020
6,922
2,395
9,317
25.71%
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
1
1
100.00%
63.59%
2024
0
4
4
100.00%
63.97%
2023
2
5
7
71.43%
62.55%
2022
1
17
18
94.44%
56.52%
2021
5
11
16
68.75%
62.74%
2020
2
9
11
81.82%
61.51%
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
1,052
911
1,963
46.41%
34.83%
2024
1,174
948
2,122
44.67%
35.33%
2023
1,142
1,119
2,261
49.49%
35.67%
2022
1,243
939
2,182
43.03%
37.14%
2021
1,129
813
1,942
41.86%
35.46%
2020
1,102
654
1,756
37.24%
33.86%