--- title: CA P&C market share — United Financial Cas Co (COCODE 11770), Private Passenger Auto Physical Damage, 2025 license: CC0-1.0 source: California DOI P&C Market Share Report 2025 --- # CA P&C market share — United Financial Cas Co (COCODE 11770), Private Passenger Auto Physical Damage, 2025 California P&C market share data for United Financial Cas Co (COCODE 11770) for line 21.1 (Private Passenger Auto Physical Damage) in 2025: direct written premium $919,239,488 (RECORDED, CA DOI), market share 4.10% rank #7 (AGGREGATED, Atlas Commons), loss ratio 57.80% (AGGREGATED, Atlas Commons). Source: CA DOI P&C Market Share Report 2025. CC0. ## Claims ### United Financial Cas Co wrote $919,239,488 in California direct premiums for Private Passenger Auto Physical Damage in 2025 **RECORDED.** The California Department of Insurance P&C Market Share Report records United Financial Cas Co (NAIC COCODE 11770) as writing $919,239,488 in California direct written premiums for line 21.1 (Private Passenger Auto Physical Damage) in 2025. This is a verbatim CA DOI figure; it is not modified or estimated by Atlas Commons. Source: California DOI P&C Market Share Report 2025 — https://www.insurance.ca.gov/01-consumers/120-company/04-mrktshare/ Falsifier: Verify in the CA DOI P&C Market Share Report (https://www.insurance.ca.gov/01-consumers/120-company/04-mrktshare/): find COCODE 11770, line 21.1, year 2025. Falsified if the CA DOI direct written premium differs. ### United Financial Cas Co's California market share for Private Passenger Auto Physical Damage (2025) is 4.10% **DERIVED.** Atlas Commons computes United Financial Cas Co's market share for Private Passenger Auto Physical Damage in California for 2025 as 4.10%. Methodology: company direct written premium divided by the total direct written premium for all companies in the same line and year (both from the CA DOI P&C Market Share Report). This is an Atlas Commons aggregation — the CA DOI does not publish this percentage directly. Source: California DOI P&C Market Share Report 2025 (Atlas Commons aggregation — company DWP / sum(all line DWP for 2025) × 100) — https://www.insurance.ca.gov/01-consumers/120-company/04-mrktshare/ Falsifier: Reproduce: sum all company DWP values for line 21.1 in 2025 from the CA DOI report. Divide United Financial Cas Co's DWP by that total. Falsified if the resulting percentage differs materially. ### United Financial Cas Co ranks #7 by direct written premium in Private Passenger Auto Physical Damage in California (2025) **DERIVED.** Atlas Commons ranks United Financial Cas Co #7 (1 = largest) by direct written premium among all California P&C carriers for line 21.1 (Private Passenger Auto Physical Damage) in 2025. Ranking is over the CA DOI P&C Market Share Report data; ties are broken by COCODE. This is an Atlas Commons aggregation — the CA DOI does not publish this rank. Source: California DOI P&C Market Share Report 2025 (Atlas Commons aggregation — dense rank by DWP desc within line 21.1, year 2025) — https://www.insurance.ca.gov/01-consumers/120-company/04-mrktshare/ Falsifier: Count how many companies have higher DWP than United Financial Cas Co for line 21.1 in 2025 in the CA DOI report. Expected rank = that count + 1. Falsified if it differs. ### United Financial Cas Co's California loss ratio for Private Passenger Auto Physical Damage (2025) is 57.80% **DERIVED.** Atlas Commons computes United Financial Cas Co's California loss ratio for Private Passenger Auto Physical Damage in 2025 as 57.80%. Methodology: direct losses incurred divided by direct premiums earned, both from the CA DOI P&C Market Share Report, multiplied by 100. A ratio below 100% means the carrier paid out less in claims than it earned in premiums for this line; above 100% means it paid more. Neither direction is a verdict — product mix, reinsurance, and reserve differences all affect the figure. This is an Atlas Commons aggregation; the CA DOI does not publish this ratio. Source: California DOI P&C Market Share Report 2025 (Atlas Commons aggregation — direct losses incurred / direct premiums earned × 100) — https://www.insurance.ca.gov/01-consumers/120-company/04-mrktshare/ Falsifier: Reproduce: divide CA direct losses incurred by CA direct premiums earned for COCODE 11770, line 21.1, year 2025 from the CA DOI report. Falsified if the ratio differs materially. ### What this CA market-share profile is — and is NOT — for United Financial Cas Co (Private Passenger Auto Physical Damage, 2025) **INTERPRETATION.** This profile contains one RECORDED direct written premium figure (verbatim CA DOI), AGGREGATED market share percentage and rank (Atlas Commons computations over CA DOI data), and an AGGREGATED loss ratio (Atlas Commons computation). It is NOT a rating, a recommendation, or a safety certification. A higher market share means more California premium volume — not better service or lower risk. The loss ratio, if present, is a single-line single-year figure; it does not account for product mix, cat exposure, or reserves. To verify a carrier's California license, use the CA DOI License Search. For complaint history, use the CA DOI Consumer Complaint Study. Source: Coverage Atlas framing (over the CA DOI sources cited above) — https://coverage-atlas.ryanjhunter.workers.dev/coverage/market-share/ca/11770-ppa-phys-2025 Falsifier: occurred=FALSE (a framing, not a CA DOI event) and adjudged=FALSE — this is an Atlas Commons epistemic boundary note, the lowest-warrant claim in this dataset. --- Every claim above carries a four-status warrant (RECORDED / MODELED / DERIVED / INTERPRETATION) and a named source you can re-fetch — this is a research object, not a flat fact. Structured: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/market-share/ca/11770-ppa-phys-2025.jsonld` ## Data ### United Financial Cas Co — CA P&C market share (Private Passenger Auto Physical Damage, 2025) Direct written premium = RECORDED (CA DOI). Market share % and rank = AGGREGATED (Atlas Commons over CA DOI). Loss ratio = AGGREGATED (direct losses / direct earned premiums; not a CA DOI figure). | Metric | Value | Warrant | | --- | --- | --- | | Direct written premium | $919,239,488 | RECORDED | | Market share (% of line DWP) | 4.10% | AGGREGATED | | Rank by DWP (within line×year) | #7 | AGGREGATED | | Loss ratio | 57.80% | AGGREGATED | | Line of business | Private Passenger Auto Physical Damage (line 21.1) | RECORDED | | Year | 2025 | RECORDED | | Licensed in CA | Yes | RECORDED | | NAIC COCODE | 11770 | RECORDED | | Group | PROGRESSIVE GRP | RECORDED |