Products & Services · IBNR
Reserves
Commercial automobile physical damage — IBNR Reserves
The Hartford Financial Services Group Commercial automobile physical damage — IBNR Reserves decreased by 12.5% to $7.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 12.5%, from $8.00M to $7.00M. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
Significant changes in IBNR reserves often reflect shifts in actuarial assumptions or emerging trends in claim reporting delays.
Detailed definition
IBNR (Incurred But Not Reported) reserves represent the estimated liability for claims that have occurred but have not y...
Peer comparison
Standard actuarial reserve component for all insurance carriers.
Metric ID:
hig_segment_commercial_automobile_physical_damage_ibnr_reservesHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | $2.00M | $4.00M | $10.00M | $8.00M | $7.00M |
| QoQ Change | — | +100.0% | +150.0% | -20.0% | -12.5% |
| YoY Change | — | +100.0% | +150.0% | -20.0% | -12.5% |
Range$2.00M – $10.00M
CAGR+250.0%
Avg YoY Growth+54.4%
Median YoY Growth+43.8%
Current Streak2 quarters decline
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Frequently Asked Questions
- What is The Hartford Financial Services Group's commercial automobile physical damage — ibnr reserves?
- The Hartford Financial Services Group (HIG) reported commercial automobile physical damage — ibnr reserves of $7.00M in Q4 2025.
- How has The Hartford Financial Services Group's commercial automobile physical damage — ibnr reserves changed year-over-year?
- The Hartford Financial Services Group's commercial automobile physical damage — ibnr reserves decreased by 12.5% year-over-year, from $8.00M to $7.00M.
- What does commercial automobile physical damage — ibnr reserves mean?
- The estimated cost for claims that have happened but have not yet been reported to the company.