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Kemper KMPR Preferred Personal Automobile Insurance—Physical Damage — Year 1
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Where this comes from
Reported directly by Kemper in its filing.
Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.
The source filing: Kemper’s 10-K, filed February 11, 2026.
- Filed
- Feb 10, 2026, 7:00 PM EST
- Fiscal year
- FY2025
- Accession
- 0000860748-26-000014
| Years | 1 | 2 | 3 | 4 | 5 |
| Specialty Personal Automobile Insurance—Liability | 37.2% | 77.0% | 89.6% | 94.3% | 96.8% |
| Specialty Personal Automobile Insurance—Physical Damage | 94.7 | 100.0 | 100.0 | 99.8 | 99.8 |
| Commercial Automobile Insurance—Liability | 19.1 | 46.6 | 65.6 | 79.2 | 91.6 |
| Commercial Automobile Insurance—Physical Damage | 87.2 | 100.0 | 100.0 | 100.0 | 100.0 |
| Non-Core Preferred Personal Automobile Insurance—Liability | 30.8 | 62.0 | 80.1 | 89.9 | 94.8 |
| Non-Core Preferred Personal Automobile Insurance—Physical Damage | 97.3 | 100.0 | 100.0 | 100.0 | 100.0 |
| Non-Core Homeowners Insurance | 67.5 | 93.0 | 97.1 | 98.4 | 98.8 |
Item 8. Financial Statements and Supplementary Data.
FAQ
- What is Kemper's preferred personal automobile insurance—physical damage — year 1?
- Kemper (KMPR) reported preferred personal automobile insurance—physical damage — year 1 of 97.3% in Q4 2025.
- How has Kemper's preferred personal automobile insurance—physical damage — year 1 changed year-over-year?
- Kemper's preferred personal automobile insurance—physical damage — year 1 decreased by 0.1% year-over-year, from 97.4% to 97.3%.
- What does preferred personal automobile insurance—physical damage — year 1 mean?
- This represents the development of incurred losses for the preferred personal automobile physical damage segment at the end of the first year following the accident year. It serves as a key benchmark for early-stage claims estimation accuracy and loss ratio performance. Analyzing this data helps investors understand how quickly claims are reported and settled relative to the initial underwriting expectations.
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