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
									
									
										757
									
									
										695
									
									
										1,452
									
									
										47.87%
									
									
										23.31%
									
								
										2023
									
									
										842
									
									
										841
									
									
										1,683
									
									
										49.97%
									
									
										22.83%
									
								
										2022
									
									
										782
									
									
										723
									
									
										1,505
									
									
										48.04%
									
									
										23.10%
									
								
										2021
									
									
										542
									
									
										425
									
									
										967
									
									
										43.95%
									
									
										22.81%
									
								
										2020
									
									
										482
									
									
										422
									
									
										904
									
									
										46.68%
									
									
										21.51%
									
								
										2019
									
									
										394
									
									
										289
									
									
										683
									
									
										42.31%
									
									
										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
									
									
										863
									
									
										1,295
									
									
										2,158
									
									
										60.01%
									
									
										47.45%
									
								
										2023
									
									
										855
									
									
										1,349
									
									
										2,204
									
									
										61.21%
									
									
										47.29%
									
								
										2022
									
									
										872
									
									
										1,148
									
									
										2,020
									
									
										56.83%
									
									
										45.44%
									
								
										2021
									
									
										877
									
									
										914
									
									
										1,791
									
									
										51.03%
									
									
										44.40%
									
								
										2020
									
									
										818
									
									
										900
									
									
										1,718
									
									
										52.39%
									
									
										42.45%
									
								
										2019
									
									
										890
									
									
										883
									
									
										1,773
									
									
										49.80%
									
									
										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
									
									
										457
									
									
										523
									
									
										980
									
									
										53.37%
									
									
										41.74%
									
								
										2023
									
									
										501
									
									
										501
									
									
										1,002
									
									
										50.00%
									
									
										38.64%
									
								
										2022
									
									
										379
									
									
										405
									
									
										784
									
									
										51.66%
									
									
										39.39%
									
								
										2021
									
									
										554
									
									
										590
									
									
										1,144
									
									
										51.57%
									
									
										40.41%
									
								
										2020
									
									
										246
									
									
										392
									
									
										638
									
									
										61.44%
									
									
										48.09%
									
								
										2019
									
									
										145
									
									
										217
									
									
										362
									
									
										59.94%
									
									
										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
										2023
									
									
										0
									
									
										4
									
									
										4
									
									
										100.00%
									
									
										74.87%
									
								
										2022
									
									
										0
									
									
										1
									
									
										1
									
									
										100.00%
									
									
										72.69%
									
								
										2021
									
									
										1
									
									
										14
									
									
										15
									
									
										93.33%
									
									
										79.01%
									
								
										2020
									
									
										0
									
									
										10
									
									
										10
									
									
										100.00%
									
									
										80.13%
									
								
										2019
									
									
										1
									
									
										16
									
									
										17
									
									
										94.12%
									
									
										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
									
									
										336
									
									
										707
									
									
										1,043
									
									
										67.79%
									
									
										12.32%
									
								
										2023
									
									
										406
									
									
										673
									
									
										1,079
									
									
										62.37%
									
									
										16.34%
									
								
										2022
									
									
										314
									
									
										660
									
									
										974
									
									
										67.76%
									
									
										11.13%
									
								
										2021
									
									
										308
									
									
										484
									
									
										792
									
									
										61.11%
									
									
										18.93%
									
								
										2020
									
									
										233
									
									
										355
									
									
										588
									
									
										60.37%
									
									
										20.93%
									
								
										2019
									
									
										218
									
									
										401
									
									
										619
									
									
										64.78%
									
									
										16.90%