Products & Services · 4th Year
Automobiles — 4th Year
The Hartford Financial Services Group Automobiles — 4th Year increased by 1.2% to 25.3% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 1.2%, from 25.0% to 25.3%. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryProfitability
SignalLower is better
VolatilityStable
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
Unexpected increases in development at this stage may indicate complex, litigious, or long-tail claims that were previously underestimated.
Detailed definition
The cumulative loss development or claims experience for automobile insurance policies in their fourth year of coverage....
Peer comparison
Standard component of loss development triangles used by P&C insurers to assess reserve adequacy.
Metric ID:
hig_segment_automobiles_4th_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 25.3% | 25% | 24.9% | 25% | 25.3% |
| QoQ Change | — | -1.2% | -0.4% | +0.4% | +1.2% |
| YoY Change | — | -1.2% | -0.4% | +0.4% | +1.2% |
Range24.9% – 25.3%
CAGR+0.0%
Avg YoY Growth+0.0%
Median YoY Growth+0.0%
Current Streak2 quarters growth
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Frequently Asked Questions
- What is The Hartford Financial Services Group's automobiles — 4th year?
- The Hartford Financial Services Group (HIG) reported automobiles — 4th year of 25.3% in Q4 2025.
- How has The Hartford Financial Services Group's automobiles — 4th year changed year-over-year?
- The Hartford Financial Services Group's automobiles — 4th year increased by 1.2% year-over-year, from 25.0% to 25.3%.
- What does automobiles — 4th year mean?
- The claims performance of automobile insurance policies during their fourth year of coverage.