Hagerty HGTY Auto — Incurred losses and loss adjustment expense

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HMNAutomobile Liability — Incurred Claims and Allocated Claim Adjustment Expense, Net of Reinsurance

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$1.13B+765%

ALLAuto Insurance Liability Coverage — Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims

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MCYProperty insurance product line, automobile — Incurred Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance

$20.03B+728%

Questions, answered.

What is Hagerty's auto — incurred losses and loss adjustment expense?

Hagerty (HGTY) reported auto — incurred losses and loss adjustment expense of -$1.12B in Q4 2025.

How has Hagerty's auto — incurred losses and loss adjustment expense changed year-over-year?

Hagerty's auto — incurred losses and loss adjustment expense decreased by 473.7% year-over-year, from $299.77M to -$1.12B.

What does auto — incurred losses and loss adjustment expense mean?

This metric captures the total cost of claims and associated adjustment expenses recognized during a specific period, regardless of when the cash payment occurs. It is a fundamental component of the loss ratio, reflecting the underwriting profitability of the automotive insurance segment. Consistent monitoring helps evaluate the accuracy of initial pricing and the impact of claims inflation.