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Commitments and Contingencies | 12 Months Ended
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Dec. 31, 2025
Commitments and Contingencies Disclosure [Abstract] |
Commitments and Contingencies | Commitments and Contingencies Litigation The Company is occasionally a party to routine claims or litigation incidental to its business. The Company records accruals for loss contingencies with these legal matters when it is probable that a liability will be incurred, and the amount of loss can be reasonably estimated. The Company finalized settlements with the state of New York in connection with a previously disclosed data security matter related to Metromile’s online insurance application process. A liability was recorded in the third quarter of 2023 in accordance with ASC 450, and the settlements were completed in September 2025. The Company has a potential liability exposure related to its car insurance quote flow that likely led to the exposure of certain data received by a third party data provider. In accordance with ASC 450, the Company has determined that a liability is probable for this matter, however, the amount of liability cannot currently be estimated. The Company will continue to monitor all legal issues and assess whether to accrue liability in accordance with ASC 450 based on new information and as further developments arise. Charges and guarantees The Company provided guarantees in an aggregate amount of $2.7 million for each of the years as of December 31, 2025, 2024 and 2023, with respect to certain office leases. Assessments The Company is a member of the California FAIR Plan ("FAIR Plan") which is an insurance pool that provides coverage to California homeowners who are unable to obtain insurance in the voluntary market. To the extent the FAIR Plan is unable to pay losses during a catastrophe event, it may seek regulatory approval to assess member companies based on their relevant market share. Members are also allowed to request prior approval for temporary supplemental fees to recoup up to 50% of the assessed amount. The Company in February 2025 received an assessment charge of $6.9 million from the FAIR Plan related to the January 2025 California Wildfires which was paid and expensed in the first quarter of 2025. This expense is presented under “Other Insurance Expense” in the condensed consolidated statements of operations and comprehensive income (loss). During the third quarter of 2025, the Company received regulatory approval for recoupment of up to 50% of the assessment over a period of 2 years and will be implemented in 2026.

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