TROY, Mich.--(BUSINESS WIRE)--Oct 28, 2025--
Auto insurance rates have finally started to decline from the near-record highs of 2024, but customers are still feeling the sting of several years of sky-high insurance costs when it comes to their claims experience. According to the J.D. Power 2025 U.S. Auto Claims Satisfaction Study, SM released today, 26% of auto insurance customers now have deductibles of $1,000 or more, and 7% of auto insurance customers say they’ve avoided filing a claim for fear their rates could rise. As a result, overall satisfaction with the auto insurance claims process is largely flat at 700 (on a 1,000-point scale), rising just 3 points year over year.
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“Auto insurance customers have made several adjustments to their policies in an effort to reduce costs—such as opting for higher deductibles, dropping rental coverage, avoiding filing claims and, in some cases, foregoing collision coverage altogether,” said Mark Garrett, director of global insurance intelligence at J.D. Power. “These changes have generally had a negative effect on consumers as they are spending more money when they have a claim. However, fewer claims being reported translates to faster cycle times and better customer support, resulting in a 9-point improvement in satisfaction among repairable vehicles.”
Following are some key findings of the 2025 study:
Study Ranking
Erie Insurance ranks highest in overall customer satisfaction with a score of 743. NJM Insurance Co. (731) ranks second and Liberty Mutual (730) ranks third.
The U.S. Auto Claims Satisfaction Study examines the auto claims experiences of customers from the largest insurance providers throughout the United States across eight dimensions (in order of importance): trust; fairness of settlement; people; time to settle claim; communication; ease of resolving claim; ease of starting claim; and digital channels. It is based on responses from 9,455 auto insurance customers who settled a claim within the past nine months prior to participating in the survey. It was fielded from September 2024 through August 2025. The study excludes claimants whose vehicle incurred only glass/windshield damage or was stolen, or who only filed a roadside assistance claim.
For more information about the U.S. Auto Claims Satisfaction Study, visit
https://www.jdpower.com/business/insurance/auto-claims-satisfaction-study.
To view the online press release, please visit http://www.jdpower.com/pr-id/2025139.
About J.D. Power
J.D. Power is a global leader in consumer insights, advisory services, and data and analytics. A pioneer in the use of big data, artificial intelligence (AI) and algorithmic modeling capabilities to understand consumer behavior, J.D. Power has been delivering incisive industry intelligence on customer interactions with brands and products for more than 55 years. The world's leading businesses across major industries rely on J.D. Power to guide their customer-facing strategies.
J.D. Power has offices in North America, Europe and Asia Pacific. To learn more about the company's business offerings, visit JDPower.com/business. The J.D. Power auto-shopping tool can be found at JDPower.com.
About J.D. Power and Advertising/Promotional Rules:www.jdpower.com/business/about-us/press-release-info
1 J.D. Power defines generational groups as Pre-Boomers (born before 1946); Boomers (1946-1964); Gen X (1965-1976); Gen Y (1977-1994); and Gen Z (1995-2006). Millennials (1982-1994) are a subset of Gen Y.
J.D. Power 2025 U.S. Auto Claims Satisfaction Study
COPENHAGEN, Denmark (AP) — More than 200 years after being sunk by Adm. Horatio Nelson and the British fleet, a Danish warship has been discovered on the seabed of Copenhagen Harbor by marine archaeologists.
Working in thick sediment and almost zero visibility 15 meters (49 feet) beneath the waves, divers are working against the clock to unearth the 19th-century wreck of the Dannebroge before it becomes a construction site in a new housing district being built off the Danish coast.
Denmark’s Viking Ship Museum, which is leading the monthslong underwater excavations, announced its findings on Thursday, 225 years to the day since the Battle of Copenhagen in 1801.
“It’s a big part of the Danish national feeling,” said Morten Johansen, the museum’s head of maritime archaeology.
A great deal has been written about the battle “by very enthusiastic spectators, but we actually don’t know how it was to be onboard a ship being shot to pieces by English warships and some of that story we can probably learn from seeing the wreck, Johansen said.
In the Battle of Copenhagen, Nelson and the British fleet attacked and defeated Denmark’s navy as it formed a protective blockade outside the harbor.
Thousands were killed and wounded during the brutal hourslong naval clash, considered one of Nelson’s “great battles.” The intention was to force Denmark out of an alliance of Northern European powers, including Russia, Prussia and Sweden.
At the center of the fighting was the Danish flagship, the Dannebroge, commanded by Commodore Olfert Fischer.
The 48-meter (157-foot) Dannebroge was Nelson’s main target. Cannon fire tore through its upper deck before incendiary shells sparked a fire aboard.
“(It was) a nightmare to be on board one of these ships,” Johansen said. “When a cannonball hits a ship, it’s not the cannonball that does the most damage to the crew, it’s wooden splinters flying everywhere, very much like grenade debris.”
The battle also is believed to have inspired the phrase “to turn a blind eye.” After deciding to ignore a superior’s signal, Nelson, who had lost sight in his right eye, reportedly remarked: “I have only one eye, I have a right to be blind sometimes.”
Nelson eventually offered a truce and a ceasefire was later agreed with Denmark’s Crown Prince Frederik.
The stricken Dannebroge slowly drifted northward and exploded. Records say the sound created a deafening roar across Copenhagen.
Marine archaeologists have discovered two cannons, uniforms, insignia, shoes, bottles and even part of a sailor’s lower jaw, perhaps one of the 19 unaccounted-for crew members who likely lost their lives that day.
The dig site will soon be enveloped by construction work for Lynetteholm, a megaproject to build a new housing district in the middle of Copenhagen Harbor that is expected to be completed by 2070.
Marine archaeologists began surveying the area late last year, targeting a spot thought to match the flagship’s final position.
Experts say the sizes of the wooden parts found match old drawings. Dendrochronological dating, the method of using tree rings to establish the age of wood, match the year the ship was built. They also say the darkened dig site is full of cannonballs, a hazard for divers navigating waters darkened by clouds of silt stirred up from the seabed.
“Sometimes you can’t see anything, and then you really have to just feel your way, look with your fingers instead of with your eyes,” diver and maritime archaeologist Marie Jonsson said.
Chronicled in books and painted on canvases, the 1801 battle is deeply embedded in Denmark’s national story.
Archaeologists hope their discoveries may help reexamine the event that shaped the Scandinavian country and perhaps uncover personal stories of those who went into battle on that day 225 years ago.
“There are bottles, there are ceramics, and even pieces of basketry,” Jonsson said. “You get closer to the people onboard.”
Morten Johansen, head of maritime archaeology at Denmark's Viking Ship Museum, shows part of a human lower jawbone recovered from the wreck of Danish flagship "Dannebroge" that sank during the Battle of Copenhagen in 1801, in Copenhagen, Denmark, Tuesday, March 31, 2026. (AP Photo/James Brooks)
Archaeologists sail with boat through the harbor in Copenhagen, Denmark, Tuesday, March 31, 2026. (AP Photo/James Brooks)
An archaeologist points to a computer screen, showing a map of the wreck of Danish flagship "Dannebroge" that sank during the Battle of Copenhagen in 1801. in Copenhagen, Denmark, Tuesday, March 31, 2026. (AP Photo/James Brooks)
Morten Johansen, head of maritime archaeology at Denmark's Viking Ship Museum, shows a metal insignia recovered from the wreck of Danish flagship "Dannebroge" that sank during the Battle of Copenhagen in 1801, in Copenhagen, Denmark, Tuesday, March 31, 2026. (AP Photo/James Brooks)
Morten Johansen, head of maritime archaeology at Denmark's Viking Ship Museum, shows a metal insignia recovered from the wreck of Danish flagship "Dannebroge" that sank during the Battle of Copenhagen in 1801, in Copenhagen, Denmark, Tuesday, March 31, 2026. (AP Photo/James Brooks)
