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Kemper KMPR Preferred Personal Automobile Insurance—Physical Damage — Year 3
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Where this comes from
Reported directly by Kemper in its filing.
Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.
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 3?
- Kemper (KMPR) reported preferred personal automobile insurance—physical damage — year 3 of 100% in Q4 2025.
- How has Kemper's preferred personal automobile insurance—physical damage — year 3 changed year-over-year?
- Kemper's preferred personal automobile insurance—physical damage — year 3 decreased by 0.0% year-over-year, from 100% to 100%.
- What does preferred personal automobile insurance—physical damage — year 3 mean?
- This metric measures the cumulative incurred losses for the preferred personal automobile physical damage segment at the end of the third year following the accident year. It is used to evaluate the long-term accuracy of loss reserves and the consistency of the underwriting results. By this stage, a significant portion of claims are typically settled, providing a clearer picture of ultimate profitability.
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