Products & Services · 2nd Year
Personal automobile physical damage — 2nd Year
The Hartford Financial Services Group Personal automobile physical damage — 2nd Year decreased by 30.2% to 4.4% in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 30.2%, from 6.3% to 4.4%. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryProfitability
SignalLower is better
VolatilityStable
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
An increase suggests adverse development of prior-year claims, while a decrease indicates favorable reserve releases and stable long-term claims management.
Detailed definition
This metric tracks the cumulative loss development and claims experience for personal automobile physical damage coverag...
Peer comparison
Comparable to 'Second-year loss development' or 'Prior-year reserve development' metrics reported by property and casualty peers.
Metric ID:
hig_segment_personal_automobile_physical_damage_2nd_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 2.7% | 4% | 6.5% | 6.3% | 4.4% |
| QoQ Change | — | +48.1% | +62.5% | -3.1% | -30.2% |
| YoY Change | — | +48.1% | +62.5% | -3.1% | -30.2% |
Range2.7% – 6.5%
CAGR+63.0%
Avg YoY Growth+19.4%
Median YoY Growth+22.5%
Current Streak2 quarters decline
Similar Metrics at Other Companies
Frequently Asked Questions
- What is The Hartford Financial Services Group's personal automobile physical damage — 2nd year?
- The Hartford Financial Services Group (HIG) reported personal automobile physical damage — 2nd year of 4.4% in Q4 2025.
- How has The Hartford Financial Services Group's personal automobile physical damage — 2nd year changed year-over-year?
- The Hartford Financial Services Group's personal automobile physical damage — 2nd year decreased by 30.2% year-over-year, from 6.3% to 4.4%.
- What does personal automobile physical damage — 2nd year mean?
- The total claims costs incurred for personal auto physical damage coverage during the second year of a policy's lifecycle.