Products & Services · IBNR
Reserves
Personal automobile physical damage — IBNR Reserves
The Hartford Financial Services Group Personal automobile physical damage — IBNR Reserves decreased by 64.3% to $10.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 64.3%, from $28.00M to $10.00M. 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
An increase suggests higher actuarial estimates of future claim emergence, while a decrease suggests more stable or lower-than-expected claim development.
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 reported by all insurance companies.
Metric ID:
hig_segment_personal_automobile_physical_damage_ibnr_reservesHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | -$6.00M | -$5.00M | $27.00M | $28.00M | $10.00M |
| QoQ Change | — | +16.7% | +640.0% | +3.7% | -64.3% |
| YoY Change | — | +16.7% | +640.0% | +3.7% | -64.3% |
Range-$6.00M – $28.00M
CAGR+66.7%
Avg YoY Growth+149.0%
Median YoY Growth+10.2%
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Frequently Asked Questions
- What is The Hartford Financial Services Group's personal automobile physical damage — ibnr reserves?
- The Hartford Financial Services Group (HIG) reported personal automobile physical damage — ibnr reserves of $10.00M in Q4 2025.
- How has The Hartford Financial Services Group's personal automobile physical damage — ibnr reserves changed year-over-year?
- The Hartford Financial Services Group's personal automobile physical damage — ibnr reserves decreased by 64.3% year-over-year, from $28.00M to $10.00M.
- What does personal automobile physical damage — ibnr reserves mean?
- The estimated amount set aside for claims that have happened but have not yet been reported to the company.