New York auto insurers close larger share of liability claims without payment, Weiss Ratings says
A new review points to a tougher claims environment for drivers in New York's auto insurance market. The findings show that nearly half of liability claims were closed without payment in 2025, marking a sharp increase from two decades earlier.
Highlights
- Weiss Ratings reports New York auto insurers close 48.6% of liability claims without payment in 2025, up from 33.6% in 2005.
- Allstate Insurance closes 55.5% of 1,243,516 private auto liability claims in New York State in 2025 without payment, among the weakest performers.
- Contrastingly, NY Central Mutual Fire and A. Central Insurance pay out on nearly 75% of claims, highlighting significant insurer variability in payment rates.
Claims data highlights widening payout gap
As reported by Weiss Ratings, a special report requested by Citizens Action of New York finds that auto insurers in the state close 48.6% of liability claims in 2025 without payment to policyholders, up from 33.6% in 2005.The report says Allstate Insurance, domiciled in Illinois, is among the weakest performers. It opens and closes 1,243,516 private auto liability claims in New York State in 2025, and closes 689,832 of them, or 55.5%, without payment.
Progressive Max Insurance and its sister company Progressive Advanced, based in Ohio, each close 47.4% of claims without payment. Several other insurers also close more than 42% of claims with no payout at all, according to the report.
Consumer impact in New York auto insurance
By contrast, the report says some insurers, including NY Central Mutual Fire and A. Central Insurance, are able to make payments on nearly three-quarters of claims in 2025.Weiss Ratings founder Dr. Martin Weiss says insurers often cite consumer fraud as a main reason for unpaid claims, but he questions why the share of unpaid claims rises from roughly one-third of closed claims in 2005 to nearly one-half in 2025. The figures add to concerns about claim outcomes for New York drivers as liability disputes remain a key pressure point in the state's auto insurance sector.
In our earlier article on federal scrutiny of AI-enabled fraud, we covered how U.S. lawmakers pressed AI voice-cloning companies to disclose safeguards designed to prevent scammers from misusing their tools. We also noted a bipartisan warning about tax-season scams ahead of the April 15 filing deadline, underscoring broader concerns about consumer financial security and fraud prevention.
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