Products & Services · Unpaid losses and loss adjustment expenses
Automobiles — Unpaid losses and loss adjustment expenses
The Hartford Financial Services Group Automobiles — Unpaid losses and loss adjustment expenses increased by 7.5% to $3.67B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 7.5%, from $3.41B to $3.67B. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ4 2016
Last reportedQ1 2026
Rolls up toReserve for insurance claims
How to read this metric
An increase in gross unpaid losses suggests higher claims frequency or severity, which must be managed through pricing and reinsurance strategies.
Detailed definition
This is the gross estimate of all unpaid losses and the associated costs to adjust those losses, before accounting for a...
Peer comparison
Standard 'Gross Reserves' reported in insurance financial disclosures.
Metric ID:
hig_segment_automobiles_unpaid_losses_and_loss_adjustment_expensesHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | $2.68B | $2.75B | $3.05B | $3.41B | $3.67B |
| QoQ Change | — | +2.8% | +10.7% | +11.9% | +7.5% |
| YoY Change | — | +2.8% | +10.7% | +11.9% | +7.5% |
Range$2.68B – $3.67B
CAGR+36.9%
Avg YoY Growth+8.2%
Median YoY Growth+9.1%
Current Streak4+ quarters growth
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Frequently Asked Questions
- What is The Hartford Financial Services Group's automobiles — unpaid losses and loss adjustment expenses?
- The Hartford Financial Services Group (HIG) reported automobiles — unpaid losses and loss adjustment expenses of $3.67B in Q4 2025.
- How has The Hartford Financial Services Group's automobiles — unpaid losses and loss adjustment expenses changed year-over-year?
- The Hartford Financial Services Group's automobiles — unpaid losses and loss adjustment expenses increased by 7.5% year-over-year, from $3.41B to $3.67B.
- What does automobiles — unpaid losses and loss adjustment expenses mean?
- The total estimated cost of all unsettled claims and the expenses to manage them, before reinsurance.