Kemper KMPR Preferred Personal Automobile Insurance—Physical Damage — Year 4

Other product segments

Similar metrics at other companies

HMNAuto physical damage — Year Four

0%—

SAFTPrivate Passenger Automobile Physical Damage — Negative Short Duration Insurance Contracts Historical Claims Duration Year Four

-7.5%—

HIGPersonal automobile physical damage — 3rd Year

-0.2%-0.1pp

SIGIPersonal automobile — Short-duration insurance contracts, historical claims duration, year four

6.1%0.0pp

HIGPersonal automobile physical damage — 2nd Year

4.4%-1.9pp

HIGPersonal automobile physical damage — 1st Year

93.3%+1.4pp

Questions, answered.

What is Kemper's preferred personal automobile insurance—physical damage — year 4?

Kemper (KMPR) reported preferred personal automobile insurance—physical damage — year 4 of 100% in Q4 2025.

How has Kemper's preferred personal automobile insurance—physical damage — year 4 changed year-over-year?

Kemper's preferred personal automobile insurance—physical damage — year 4 decreased by 0.0% year-over-year, from 100% to 100%.

What does preferred personal automobile insurance—physical damage — year 4 mean?

This metric captures the cumulative incurred losses for the preferred personal automobile physical damage segment at the end of the fourth year following the accident year. It serves as a mature indicator of the ultimate loss experience for a given cohort of policies. Investors use this to assess the long-term underwriting performance and the historical accuracy of the company's actuarial reserving models.