Hagerty HGTY Auto — Incurred losses and loss adjustment expense

Similar metrics at other companies

WRBAuto — Loss and loss expenses incurred, net of reinsurance

$6.87B+546%

CNACommercial Auto — Incurred claims and allocated claim adjustment expense, net

451,500,000,000%+378,900,000,000pp

SPNTOther — Loss and allocated loss adjustment expenses incurred, net

820,000,000%+10,000,000pp

SPNTCasualty — Loss and allocated loss adjustment expenses incurred, net

318,310,000,000%+119,380,000,000pp

BOWUnderwriting Division — Net Losses and Loss Adjustment Expenses Incurred

$546.97M+250%

SPNTOther Specialties — Loss and allocated loss adjustment expenses incurred, net

125,410,000,000%+21,040,000,000pp

FAQ

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.