Products & Services · 1st Year
Personal automobile physical damage — 1st Year
The Hartford Financial Services Group Personal automobile physical damage — 1st Year increased by 1.5% to 93.3% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 1.5%, from 91.9% to 93.3%. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryProfitability
SignalLower is better
VolatilityModerate
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
An increase may indicate aggressive initial pricing or poor risk selection, while a decrease suggests effective underwriting and favorable initial loss experience.
Detailed definition
This metric represents the incurred losses and allocated loss adjustment expenses for personal automobile physical damag...
Peer comparison
Comparable to 'First-year loss ratio' or 'Initial accident year loss development' metrics used by major personal lines insurers.
Metric ID:
hig_segment_personal_automobile_physical_damage_1st_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 95.7% | 94.9% | 91.3% | 91.9% | 93.3% |
| QoQ Change | — | -0.8% | -3.8% | +0.7% | +1.5% |
| YoY Change | — | -0.8% | -3.8% | +0.7% | +1.5% |
Range91.3% – 95.7%
CAGR-2.5%
Avg YoY Growth-0.6%
Median YoY Growth-0.1%
Current Streak2 quarters growth
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Frequently Asked Questions
- What is The Hartford Financial Services Group's personal automobile physical damage — 1st year?
- The Hartford Financial Services Group (HIG) reported personal automobile physical damage — 1st year of 93.3% in Q4 2025.
- How has The Hartford Financial Services Group's personal automobile physical damage — 1st year changed year-over-year?
- The Hartford Financial Services Group's personal automobile physical damage — 1st year increased by 1.5% year-over-year, from 91.9% to 93.3%.
- What does personal automobile physical damage — 1st year mean?
- The total claims costs incurred for personal auto physical damage coverage during the first year of a policy.