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
									
									
										1,288
									
									
										2,157
									
									
										3,445
									
									
										62.61%
									
									
										23.31%
									
								
										2023
									
									
										1,169
									
									
										1,925
									
									
										3,094
									
									
										62.22%
									
									
										22.83%
									
								
										2022
									
									
										1,201
									
									
										2,239
									
									
										3,440
									
									
										65.09%
									
									
										23.10%
									
								
										2021
									
									
										961
									
									
										1,706
									
									
										2,667
									
									
										63.97%
									
									
										22.81%
									
								
										2020
									
									
										1,033
									
									
										1,450
									
									
										2,483
									
									
										58.40%
									
									
										21.51%
									
								
										2019
									
									
										1,087
									
									
										1,606
									
									
										2,693
									
									
										59.64%
									
									
										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
									
									
										5,292
									
									
										16,690
									
									
										21,982
									
									
										75.93%
									
									
										47.45%
									
								
										2023
									
									
										3,626
									
									
										11,206
									
									
										14,832
									
									
										75.55%
									
									
										47.29%
									
								
										2022
									
									
										3,655
									
									
										10,841
									
									
										14,496
									
									
										74.79%
									
									
										45.44%
									
								
										2021
									
									
										3,229
									
									
										9,732
									
									
										12,961
									
									
										75.09%
									
									
										44.40%
									
								
										2020
									
									
										2,869
									
									
										7,099
									
									
										9,968
									
									
										71.22%
									
									
										42.45%
									
								
										2019
									
									
										4,549
									
									
										11,281
									
									
										15,830
									
									
										71.26%
									
									
										44.33%
									
								
										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
										2024
									
									
										32
									
									
										31
									
									
										63
									
									
										49.21%
									
									
										41.74%
									
								
										2023
									
									
										10
									
									
										20
									
									
										30
									
									
										66.67%
									
									
										38.64%
									
								
										2022
									
									
										12
									
									
										12
									
									
										24
									
									
										50.00%
									
									
										39.39%
									
								
										2021
									
									
										17
									
									
										18
									
									
										35
									
									
										51.43%
									
									
										40.41%
									
								
										2020
									
									
										13
									
									
										20
									
									
										33
									
									
										60.61%
									
									
										48.09%
									
								
										2019
									
									
										19
									
									
										31
									
									
										50
									
									
										62.00%
									
									
										43.30%
									
								
										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
									
									
										0
									
									
										4
									
									
										4
									
									
										100.00%
									
									
										81.44%
									
								
										2023
									
									
										0
									
									
										3
									
									
										3
									
									
										100.00%
									
									
										74.87%
									
								
										2022
									
									
										0
									
									
										1
									
									
										1
									
									
										100.00%
									
									
										72.69%
									
								
										2021
									
									
										0
									
									
										3
									
									
										3
									
									
										100.00%
									
									
										79.01%
									
								
										2020
									
									
										0
									
									
										4
									
									
										4
									
									
										100.00%
									
									
										80.13%
									
								
										2019
									
									
										0
									
									
										5
									
									
										5
									
									
										100.00%
									
									
										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
									
									
										227
									
									
										289
									
									
										516
									
									
										56.01%
									
									
										12.32%
									
								
										2023
									
									
										172
									
									
										124
									
									
										296
									
									
										41.89%
									
									
										16.34%
									
								
										2022
									
									
										293
									
									
										188
									
									
										481
									
									
										39.09%
									
									
										11.13%
									
								
										2021
									
									
										292
									
									
										204
									
									
										496
									
									
										41.13%
									
									
										18.93%
									
								
										2020
									
									
										222
									
									
										148
									
									
										370
									
									
										40.00%
									
									
										20.93%
									
								
										2019
									
									
										228
									
									
										186
									
									
										414
									
									
										44.93%
									
									
										16.90%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										45.22%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										43.90%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										42.09%
									
								
										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
										2024
									
									
										1,771
									
									
										1,881
									
									
										3,652
									
									
										51.51%
									
									
										35.33%
									
								
										2023
									
									
										1,246
									
									
										1,270
									
									
										2,516
									
									
										50.48%
									
									
										35.67%
									
								
										2022
									
									
										1,365
									
									
										1,406
									
									
										2,771
									
									
										50.74%
									
									
										37.14%
									
								
										2021
									
									
										1,530
									
									
										1,403
									
									
										2,933
									
									
										47.83%
									
									
										35.46%
									
								
										2020
									
									
										1,359
									
									
										1,337
									
									
										2,696
									
									
										49.59%
									
									
										33.86%
									
								
										2019
									
									
										1,758
									
									
										1,601
									
									
										3,359
									
									
										47.66%
									
									
										34.01%