Personal automobile physical damage — 3rd Year
The Hartford Financial Services Group Personal automobile physical damage — 3rd Year increased by 50.0% to -0.2% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 50.0%, from -0.4% to -0.2%. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
How to read this metric
An increase signals unexpected long-term claims inflation or settlement delays, while a decrease suggests high-quality reserve estimation and efficient claims resolution.
Detailed definition
This metric measures the loss experience for personal automobile physical damage coverage in the third year after policy...
Peer comparison
Comparable to 'Ultimate loss ratio development' or 'Third-year accident year maturity' metrics used in actuarial reporting across the insurance industry.
hig_segment_personal_automobile_physical_damage_3rd_yearHistorical Data
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | -0.1% | -0.1% | 0.1% | -0.4% | -0.2% |
| QoQ Change | — | +0.0% | +200.0% | -500.0% | +50.0% |
| YoY Change | — | +0.0% | +200.0% | -500.0% | +50.0% |
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Frequently Asked Questions
- What is The Hartford Financial Services Group's personal automobile physical damage — 3rd year?
- The Hartford Financial Services Group (HIG) reported personal automobile physical damage — 3rd year of -0.2% in Q4 2025.
- How has The Hartford Financial Services Group's personal automobile physical damage — 3rd year changed year-over-year?
- The Hartford Financial Services Group's personal automobile physical damage — 3rd year increased by 50.0% year-over-year, from -0.4% to -0.2%.
- What does personal automobile physical damage — 3rd year mean?
- The total claims costs incurred for personal auto physical damage coverage during the third year of a policy's lifecycle.