Products & Services · IBNR
Reserves
Automobiles — IBNR Reserves
The Hartford Financial Services Group Automobiles — IBNR Reserves increased by 11.0% to 124700000000.0% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 11.0%, from 112300000000.0% to 124700000000.0%.
Analysis
StatementSegment
CategoryRisk
SignalContext dependent
VolatilityStable
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
An increase in IBNR reserves relative to earned premiums may signal rising loss cost trends or a more conservative actuarial outlook on future claim severity.
Detailed definition
The estimated liability for claims that have occurred but have not yet been reported to the insurer by the end of the re...
Peer comparison
Common across all P&C insurers; peers refer to this as 'Incurred But Not Reported' reserves.
Metric ID:
hig_segment_automobiles_ibnr_reservesHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 78,400,000,000% | 76,400,000,000% | 98,900,000,000% | 112,300,000,000% | 124,700,000,000% |
| QoQ Change | — | -2.6% | +29.5% | +13.5% | +11.0% |
| YoY Change | — | -2.6% | +29.5% | +13.5% | +11.0% |
Range76,400,000,000% – 124,700,000,000%
CAGR+59.1%
Avg YoY Growth+12.9%
Median YoY Growth+12.3%
Current Streak3 quarters growth
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Frequently Asked Questions
- What is The Hartford Financial Services Group's automobiles — ibnr reserves?
- The Hartford Financial Services Group (HIG) reported automobiles — ibnr reserves of 124700000000.0% in Q4 2025.
- How has The Hartford Financial Services Group's automobiles — ibnr reserves changed year-over-year?
- The Hartford Financial Services Group's automobiles — ibnr reserves increased by 11.0% year-over-year, from 112300000000.0% to 124700000000.0%.
- What does automobiles — ibnr reserves mean?
- The amount of money set aside for insurance claims that have happened but haven't been reported yet.