Kemper KMPR Preferred Personal Automobile Insurance—Physical Damage — Year 3

Other product segments

Similar metrics at other companies

HIGPersonal automobile physical damage — 3rd Year

-0.2%-0.1pp

HMNAuto physical damage — Year Three

-0.3%-0.1pp

HIGCommercial automobile physical damage — 3rd Year

0.4%+0.3pp

HIGPersonal automobile physical damage — 2nd Year

4.4%-1.9pp

HIGPersonal automobile physical damage — 1st Year

93.3%+1.4pp

HMNAuto physical damage — Year Four

0%—

Questions, answered.

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.