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

Other product segments

Similar metrics at other companies

HMNAuto physical damage — Year Four

0%—

ACGLSpecialty — Year Four

6.7%+0.3pp

ALLAuto insurance - physical damage coverage — 4 years

-0.2%0.0pp

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

Questions, answered.

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

Kemper (KMPR) reported specialty personal automobile insurance—physical damage — year 4 of 99.8% in Q4 2025.

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

Kemper's specialty personal automobile insurance—physical damage — year 4 decreased by 0.2% year-over-year, from 100% to 99.8%.

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

This metric captures the loss development or claims experience for the fourth year following the accident year in the specialty personal auto physical damage segment. It serves as a late-stage indicator of claims resolution and reserve adequacy. Analyzing this data helps assess the company's ability to accurately forecast and settle claims over an extended time horizon.