Products & Services · Net Undiscounted Claims and Claim Adjustment Expense Reserves
Automobile — Net Undiscounted Claims and Claim Adjustment Expense Reserves
The Travelers Companies Automobile — Net Undiscounted Claims and Claim Adjustment Expense Reserves increased by 7.0% to 973200000000.0% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 7.0%, from 909300000000.0% to 973200000000.0%. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
An increase may suggest rising claim severity or frequency, while a decrease may indicate improved loss experience or more conservative reserving practices.
Detailed definition
This represents the total estimated liability for automobile insurance claims and associated adjustment expenses, calcul...
Peer comparison
Commonly reported by P&C insurers as 'Net Loss Reserves' or 'Unpaid Claims Liability' in actuarial disclosures.
Metric ID:
trv_segment_automobile_net_undiscounted_claims_and_claim_adjustment_expense_reservesHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 689,500,000,000% | 751,000,000,000% | 835,800,000,000% | 909,300,000,000% | 973,200,000,000% |
| QoQ Change | — | +8.9% | +11.3% | +8.8% | +7.0% |
| YoY Change | — | +8.9% | +11.3% | +8.8% | +7.0% |
Range689,500,000,000% – 973,200,000,000%
CAGR+41.1%
Avg YoY Growth+9.0%
Median YoY Growth+8.9%
Current Streak4+ quarters growth
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Frequently Asked Questions
- What is The Travelers Companies's automobile — net undiscounted claims and claim adjustment expense reserves?
- The Travelers Companies (TRV) reported automobile — net undiscounted claims and claim adjustment expense reserves of 973200000000.0% in Q4 2025.
- How has The Travelers Companies's automobile — net undiscounted claims and claim adjustment expense reserves changed year-over-year?
- The Travelers Companies's automobile — net undiscounted claims and claim adjustment expense reserves increased by 7.0% year-over-year, from 909300000000.0% to 973200000000.0%.
- What does automobile — net undiscounted claims and claim adjustment expense reserves mean?
- The total estimated cost to settle all automobile insurance claims before adjusting for interest rate impacts.