Products & Services · Net outstanding liabilities
Auto Insurance Physical Damage Coverage — Net outstanding liabilities
Allstate Auto Insurance Physical Damage Coverage — Net outstanding liabilities decreased by 17.2% to $597.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 17.2%, from $721.00M to $597.00M. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
An increase in net outstanding liabilities relative to premiums earned may suggest rising claim costs or a shift toward longer-tail claim types.
Detailed definition
This represents the total net liability for unpaid claims and claim adjustment expenses for the physical damage segment...
Peer comparison
Standard balance sheet liability item for all insurers; peers report this as 'Net Loss Reserves'.
Metric ID:
all_segment_auto_insurance_physical_damage_coverage_net_outstanding_liabilitiesHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | $435.00M | $1.04B | $844.00M | $721.00M | $597.00M |
| QoQ Change | — | +139.1% | -18.8% | -14.6% | -17.2% |
| YoY Change | — | +139.1% | -18.8% | -14.6% | -17.2% |
Range$435.00M – $1.04B
CAGR+37.2%
Avg YoY Growth+22.1%
Median YoY Growth-15.9%
Current Streak3 quarters decline
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Frequently Asked Questions
- What is Allstate's auto insurance physical damage coverage — net outstanding liabilities?
- Allstate (ALL) reported auto insurance physical damage coverage — net outstanding liabilities of $597.00M in Q4 2025.
- How has Allstate's auto insurance physical damage coverage — net outstanding liabilities changed year-over-year?
- Allstate's auto insurance physical damage coverage — net outstanding liabilities decreased by 17.2% year-over-year, from $721.00M to $597.00M.
- What does auto insurance physical damage coverage — net outstanding liabilities mean?
- The total amount of money the company expects to pay for claims that have not yet been settled.