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Loss And Loss Adjustment Expense Reserves (Tables) | 12 Months Ended
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Dec. 31, 2017
Insurance [Abstract] |
Activity in Loss and Loss Adjustment Expense Reserves | Activity in the loss and loss adjustment expense reserves is summarized as follows:
(millions) | 2017 | 2016 | 2015
Balance at January 1 | $ | 11,368.0 |  | $ | 10,039.0 |  | $ | 8,857.4 |
Less reinsurance recoverables on unpaid losses | 1,801.0 |  | 1,442.7 |  | 1,185.9 |
Net balance at January 1 | 9,567.0 |  | 8,596.3 |  | 7,671.5 |
Net loss and loss adjustment reserves (disposed) acquired 1 | 0 |  | (2.5 | ) | 222.4 |
Total beginning reserves | 9,567.0 |  | 8,593.8 |  | 7,893.9 |
Incurred related to: |  |  |
Current year | 18,782.1 |  | 16,967.1 |  | 14,657.1 |
Prior years | 25.9 |  | (87.5 | ) | (315.1 | )
Total incurred | 18,808.0 |  | 16,879.6 |  | 14,342.0 |
Paid related to: |  |  |
Current year | 12,201.5 |  | 11,149.0 |  | 9,577.3 |
Prior years | 5,256.7 |  | 4,757.4 |  | 4,062.3 |
Total paid | 17,458.2 |  | 15,906.4 |  | 13,639.6 |
Net balance at December 31 | 10,916.8 |  | 9,567.0 |  | 8,596.3 |
Plus reinsurance recoverables on unpaid losses | 2,170.1 |  | 1,801.0 |  | 1,442.7 |
Balance at December 31 | $ | 13,086.9 |  | $ | 11,368.0 |  | $ | 10,039.0 |
1 During 2016, $2.5 million net reserves were disposed by ARX in an exchange transaction (see Note 16 – Goodwill and Intangible Assets for further discussion). During 2015, $222.4 million net reserves were acquired in the ARX acquisition.
Short-duration Insurance Contracts, Claims Development | The following tables show incurred and paid claims development, net of reinsurance, by accident year. Only 2017 is audited; all prior years are considered required supplementary information and, therefore, are unaudited. Expected development on our case reserves is excluded from the IBNR reserves on our vehicle businesses, as discussed above. For the Property business, the IBNR reserves include expected case development based on the methodology used in establishing the case reserves for that segment. The cumulative number of incurred claims are based on accident coverages (e.g., bodily injury, collision, comprehensive, personal injury protection, property damage) related to opened claims. Coverage counts related to claims closed without payment are excluded from the cumulative number of incurred claims.
Personal Lines - Agency - Liability |  |  |  |  |  |
($ in millions) |  |  |  |  |  |  |  |  |  | As of
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance |  | December 31, 2017
|  | For the years ended December 31, |  | Total of IBNR Liabilities Plus Expected Development on Reported Claims |  |  | Cumulative Number of Incurred Claim Counts |
Accident Year |  | 2013 1 |  |  | 2014 1 |  |  | 2015 1 |  |  | 2016 1 |  |  | 2017 |  |  |
2013 |  | $ | 3,506.0 |  |  | $ | 3,520.9 |  |  | $ | 3,518.2 |  |  | $ | 3,528.0 |  |  | $ | 3,484.2 |  |  | $ | 0 |  |  | 696,624 |
2014 |  |  |  | 3,702.1 |  |  | 3,627.7 |  |  | 3,633.2 |  |  | 3,654.4 |  |  | 50.9 |  |  | 701,787 |
2015 |  |  |  |  |  | 3,774.9 |  |  | 3,773.8 |  |  | 3,798.8 |  |  | 59.2 |  |  | 704,990 |
2016 |  |  |  |  |  |  |  | 4,082.9 |  |  | 4,130.0 |  |  | 158.7 |  |  | 738,563 |
2017 |  |  |  |  |  |  |  |  |  | 4,474.8 |  |  | 679.6 |  |  | 765,553 |
|  |  |  |  |  |  |  | Total |  |  | $ | 19,542.2 |  |  |  |  |
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance |  |  |  |
|  | For the years ended December 31, |  |  |  |
Accident Year |  | 2013 1 |  |  | 2014 1 |  |  | 2015 1 |  |  | 2016 1 |  |  | 2017 |  |  |  |  |
2013 |  | $ | 1,684.0 |  |  | $ | 2,794.1 |  |  | $ | 3,173.1 |  |  | $ | 3,362.9 |  |  | $ | 3,437.6 |  |  |  |  |
2014 |  |  |  | 1,809.0 |  |  | 2,868.1 |  |  | 3,284.5 |  |  | 3,482.3 |  |  |  |  |
2015 |  |  |  |  |  | 1,793.1 |  |  | 2,976.0 |  |  | 3,416.5 |  |  |  |  |
2016 |  |  |  |  |  |  |  | 1,941.6 |  |  | 3,231.5 |  |  |  |  |
2017 |  |  |  |  |  |  |  |  |  | 2,074.0 |  |  |  |  |
|  |  |  |  |  |  |  | Total |  |  | $ | 15,641.9 |  |  |  |  |
|  | All outstanding liabilities before 2013, net of reinsurance 1 |  |  | 55.2 |  |  |  |  |
|  | Liabilities for claims and claim adjustment expenses, net of reinsurance |  |  | $ | 3,955.5 |  |  |  |  |
1 Required supplementary information (unaudited)
Personal Lines - Agency - Physical Damage |  |  |  |  |  |
($ in millions) |  |  |  |  |  |  |  |  |  | As of
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance |  | December 31, 2017
|  | For the years ended December 31, |  | Total of IBNR Liabilities Plus Expected Development on Reported Claims |  |  | Cumulative Number of Incurred Claim Counts |
Accident Year |  | 2013 1 |  |  | 2014 1 |  |  | 2015 1 |  |  | 2016 1 |  |  | 2017 |  |  |
2013 |  | $ | 2,014.0 |  |  | $ | 2,001.4 |  |  | $ | 2,000.1 |  |  | $ | 1,999.4 |  |  | $ | 2,001.1 |  |  | $ | 0 |  |  | 1,347,920 |
2014 |  |  |  | 2,107.5 |  |  | 2,090.3 |  |  | 2,089.9 |  |  | 2,088.0 |  |  | (3.3 | ) |  | 1,374,666 |
2015 |  |  |  |  |  | 2,136.8 |  |  | 2,137.2 |  |  | 2,134.4 |  |  | (2.6 | ) |  | 1,336,268 |
2016 |  |  |  |  |  |  |  | 2,423.4 |  |  | 2,398.9 |  |  | (12.1 | ) |  | 1,398,371 |
2017 |  |  |  |  |  |  |  |  |  | 2,635.5 |  |  | (101.8 | ) |  | 1,496,298 |
|  |  |  |  |  |  |  | Total |  |  | $ | 11,257.9 |  |  |  |  |
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance |  |  |  |
|  | For the years ended December 31, |  |  |  |
Accident Year |  | 2013 1 |  |  | 2014 1 |  |  | 2015 1 |  |  | 2016 1 |  |  | 2017 |  |  |  |  |
2013 |  | $ | 1,952.7 |  |  | $ | 2,003.9 |  |  | $ | 2,002.0 |  |  | $ | 2,001.3 |  |  | $ | 2,000.8 |  |  |  |  |
2014 |  |  |  | 2,078.8 |  |  | 2,091.6 |  |  | 2,090.6 |  |  | 2,090.7 |  |  |  |  |
2015 |  |  |  |  |  | 2,106.2 |  |  | 2,138.1 |  |  | 2,134.4 |  |  |  |  |
2016 |  |  |  |  |  |  |  | 2,391.0 |  |  | 2,406.9 |  |  |  |  |
2017 |  |  |  |  |  |  |  |  |  | 2,599.8 |  |  |  |  |
|  |  |  |  |  |  |  | Total |  |  | $ | 11,232.6 |  |  |  |  |
|  | All outstanding liabilities before 2013, net of reinsurance 1 |  |  | 0.9 |  |  |  |  |
|  | Liabilities for claims and claim adjustment expenses, net of reinsurance |  |  | $ | 26.2 |  |  |  |  |
1 Required supplementary information (unaudited)
Personal Lines - Direct - Liability |  |  |  |  |  |
($ in millions) |  |  |  |  |  |  |  |  |  | As of
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance |  | December 31, 2017
|  | For the years ended December 31, |  | Total of IBNR Liabilities Plus Expected Development on Reported Claims |  |  | Cumulative Number of Incurred Claim Counts |
Accident Year |  | 2013 1 |  |  | 2014 1 |  |  | 2015 1 |  |  | 2016 1 |  |  | 2017 |  |  |
2013 |  | $ | 2,619.4 |  |  | $ | 2,621.8 |  |  | $ | 2,615.8 |  |  | $ | 2,649.8 |  |  | $ | 2,612.9 |  |  | $ | 0 |  |  | 550,166 |
2014 |  |  |  | 2,946.8 |  |  | 2,887.4 |  |  | 2,898.1 |  |  | 2,913.6 |  |  | 38.2 |  |  | 592,185 |
2015 |  |  |  |  |  | 3,330.5 |  |  | 3,328.3 |  |  | 3,354.2 |  |  | 48.6 |  |  | 659,102 |
2016 |  |  |  |  |  |  |  | 3,819.0 |  |  | 3,843.9 |  |  | 143.0 |  |  | 733,195 |
2017 |  |  |  |  |  |  |  |  |  | 4,209.5 |  |  | 598.6 |  |  | 761,280 |
|  |  |  |  |  |  |  | Total |  |  | $ | 16,934.1 |  |  |  |  |
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance |  |  |  |
|  | For the years ended December 31, |  |  |  |
Accident Year |  | 2013 1 |  |  | 2014 1 |  |  | 2015 1 |  |  | 2016 1 |  |  | 2017 |  |  |  |  |
2013 |  | $ | 1,252.0 |  |  | $ | 2,085.1 |  |  | $ | 2,375.5 |  |  | $ | 2,521.3 |  |  | $ | 2,577.8 |  |  |  |  |
2014 |  |  |  | 1,413.0 |  |  | 2,278.0 |  |  | 2,624.2 |  |  | 2,780.0 |  |  |  |  |
2015 |  |  |  |  |  | 1,545.2 |  |  | 2,615.0 |  |  | 3,021.0 |  |  |  |  |
2016 |  |  |  |  |  |  |  | 1,780.6 |  |  | 2,991.1 |  |  |  |  |
2017 |  |  |  |  |  |  |  |  |  | 1,912.6 |  |  |  |  |
|  |  |  |  |  |  |  | Total |  |  | $ | 13,282.5 |  |  |  |  |
|  | All outstanding liabilities before 2013, net of reinsurance 1 |  |  | 33.5 |  |  |  |  |
|  | Liabilities for claims and claim adjustment expenses, net of reinsurance |  |  | $ | 3,685.1 |  |  |  |  |
1 Required supplementary information (unaudited)
Personal Lines - Direct - Physical Damage |  |  |  |  |  |
($ in millions) |  |  |  |  |  |  |  |  |  | As of
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance |  | December 31, 2017
|  | For the years ended December 31, |  | Total of IBNR Liabilities Plus Expected Development on Reported Claims |  |  | Cumulative Number of Incurred Claim Counts |
Accident Year |  | 2013 1 |  |  | 2014 1 |  |  | 2015 1 |  |  | 2016 1 |  |  | 2017 |  |  |
2013 |  | $ | 1,653.7 |  |  | $ | 1,635.6 |  |  | $ | 1,634.6 |  |  | $ | 1,633.4 |  |  | $ | 1,635.0 |  |  | $ | 0 |  |  | 1,367,341 |
2014 |  |  |  | 1,889.3 |  |  | 1,862.2 |  |  | 1,861.7 |  |  | 1,859.2 |  |  | (3.2 | ) |  | 1,471,016 |
2015 |  |  |  |  |  | 2,110.7 |  |  | 2,097.7 |  |  | 2,093.5 |  |  | (3.0 | ) |  | 1,539,790 |
2016 |  |  |  |  |  |  |  | 2,521.0 |  |  | 2,475.4 |  |  | (14.3 | ) |  | 1,675,405 |
2017 |  |  |  |  |  |  |  |  |  | 2,750.6 |  |  | (145.3 | ) |  | 1,779,665 |
|  |  |  |  |  |  |  | Total |  |  | $ | 10,813.7 |  |  |  |  |
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance |  |  |  |
|  | For the years ended December 31, |  |  |  |
Accident Year |  | 2013 1 |  |  | 2014 1 |  |  | 2015 1 |  |  | 2016 1 |  |  | 2017 |  |  |  |  |
2013 |  | $ | 1,612.9 |  |  | $ | 1,638.2 |  |  | $ | 1,636.2 |  |  | $ | 1,635.3 |  |  | $ | 1,635.0 |  |  |  |  |
2014 |  |  |  | 1,874.6 |  |  | 1,864.1 |  |  | 1,862.7 |  |  | 1,861.8 |  |  |  |  |
2015 |  |  |  |  |  | 2,094.7 |  |  | 2,100.1 |  |  | 2,094.7 |  |  |  |  |
2016 |  |  |  |  |  |  |  | 2,505.0 |  |  | 2,485.8 |  |  |  |  |
2017 |  |  |  |  |  |  |  |  |  | 2,742.1 |  |  |  |  |
|  |  |  |  |  |  |  | Total |  |  | $ | 10,819.4 |  |  |  |  |
|  | All outstanding liabilities before 2013, net of reinsurance 1 |  |  | 0.1 |  |  |  |  |
|  | Liabilities for claims and claim adjustment expenses, net of reinsurance |  |  | $ | (5.6 | ) |  |  |  |
1 Required supplementary information (unaudited)
Commercial Lines - Liability |  |  |  |  |  |
($ in millions) |  |  |  |  |  |  |  |  |  | As of
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance |  | December 31, 2017
|  | For the years ended December 31, |  | Total of IBNR Liabilities Plus Expected Development on Reported Claims |  |  | Cumulative Number of Incurred Claim Counts |
Accident Year |  | 2013 1 |  |  | 2014 1 |  |  | 2015 1 |  |  | 2016 1 |  |  | 2017 |  |  |
2013 |  | $ | 864.2 |  |  | $ | 864.6 |  |  | $ | 865.4 |  |  | $ | 865.0 |  |  | $ | 840.8 |  |  | $ | 0 |  |  | 78,075 |
2014 |  |  |  | 822.5 |  |  | 795.4 |  |  | 820.3 |  |  | 823.0 |  |  | 15.9 |  |  | 74,724 |
2015 |  |  |  |  |  | 897.6 |  |  | 911.1 |  |  | 914.8 |  |  | 23.7 |  |  | 77,807 |
2016 |  |  |  |  |  |  |  | 1,185.8 |  |  | 1,204.8 |  |  | 63.1 |  |  | 92,196 |
2017 |  |  |  |  |  |  |  |  |  | 1,374.1 |  |  | 219.2 |  |  | 94,992 |
|  |  |  |  |  |  |  | Total |  |  | $ | 5,157.5 |  |  |  |  |
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance |  |  |  |
|  | For the years ended December 31, |  |  |  |
Accident Year |  | 2013 1 |  |  | 2014 1 |  |  | 2015 1 |  |  | 2016 1 |  |  | 2017 |  |  |  |  |
2013 |  | $ | 233.3 |  |  | $ | 509.4 |  |  | $ | 659.1 |  |  | $ | 752.5 |  |  | $ | 802.6 |  |  |  |  |
2014 |  |  |  | 234.0 |  |  | 438.7 |  |  | 610.0 |  |  | 715.3 |  |  |  |  |
2015 |  |  |  |  |  | 238.4 |  |  | 501.5 |  |  | 675.0 |  |  |  |  |
2016 |  |  |  |  |  |  |  | 298.6 |  |  | 639.9 |  |  |  |  |
2017 |  |  |  |  |  |  |  |  |  | 325.8 |  |  |  |  |
|  |  |  |  |  |  |  | Total |  |  | $ | 3,158.6 |  |  |  |  |
|  | All outstanding liabilities before 2013, net of reinsurance 1 |  |  | 28.5 |  |  |  |  |
|  | Liabilities for claims and claim adjustment expenses, net of reinsurance |  |  | $ | 2,027.4 |  |  |  |  |
1 Required supplementary information (unaudited)
Commercial Lines - Physical Damage |  |  |  |  |  |
($ in millions) |  |  |  |  |  |  |  |  |  | As of
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance |  | December 31, 2017
|  | For the years ended December 31, |  | Total of IBNR Liabilities Plus Expected Development on Reported Claims |  |  | Cumulative Number of Incurred Claim Counts |
Accident Year |  | 2013 1 |  |  | 2014 1 |  |  | 2015 1 |  |  | 2016 1 |  |  | 2017 |  |  |
2013 |  | $ | 256.2 |  |  | $ | 254.2 |  |  | $ | 254.5 |  |  | $ | 253.7 |  |  | $ | 254.2 |  |  | $ | 0 |  |  | 62,673 |
2014 |  |  |  | 240.3 |  |  | 239.7 |  |  | 238.6 |  |  | 238.0 |  |  | (0.5 | ) |  | 59,622 |
2015 |  |  |  |  |  | 274.4 |  |  | 274.1 |  |  | 273.5 |  |  | (0.1 | ) |  | 62,593 |
2016 |  |  |  |  |  |  |  | 379.6 |  |  | 379.8 |  |  | (0.9 | ) |  | 74,217 |
2017 |  |  |  |  |  |  |  |  |  | 415.4 |  |  | (5.7 | ) |  | 77,767 |
|  |  |  |  |  |  |  | Total |  |  | $ | 1,560.9 |  |  |  |  |
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance |  |  |  |
|  | For the years ended December 31, |  |  |  |
Accident Year |  | 2013 1 |  |  | 2014 1 |  |  | 2015 1 |  |  | 2016 1 |  |  | 2017 |  |  |  |  |
2013 |  | $ | 239.4 |  |  | $ | 253.1 |  |  | $ | 253.9 |  |  | $ | 253.7 |  |  | $ | 253.8 |  |  |  |  |
2014 |  |  |  | 224.6 |  |  | 238.3 |  |  | 237.7 |  |  | 237.9 |  |  |  |  |
2015 |  |  |  |  |  | 248.5 |  |  | 271.9 |  |  | 272.0 |  |  |  |  |
2016 |  |  |  |  |  |  |  | 336.7 |  |  | 376.9 |  |  |  |  |
2017 |  |  |  |  |  |  |  |  |  | 369.0 |  |  |  |  |
|  |  |  |  |  |  |  | Total |  |  | $ | 1,509.6 |  |  |  |  |
|  | All outstanding liabilities before 2013, net of reinsurance 1 |  |  | 0.4 |  |  |  |  |
|  | Liabilities for claims and claim adjustment expenses, net of reinsurance |  |  | $ | 51.7 |  |  |  |  |
1 Required supplementary information (unaudited)
Property Business |  |  |  |  |  |
($ in millions) |  |  |  |  |  |  |  |  |  | As of
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance |  | December 31, 2017
|  | For the years ended December 31, |  | Total of IBNR Liabilities Plus Expected Development on Reported Claims |  |  | Cumulative Number of Incurred Claim Counts |
Accident Year |  | 2013 1 |  |  | 2014 1 |  |  | 2015 1 |  |  | 2016 1 |  |  | 2017 |  |  |
2013 |  | $ | 307.3 |  |  | $ | 283.3 |  |  | $ | 254.3 |  |  | $ | 254.1 |  |  | $ | 253.9 |  |  | $ | 2.5 |  |  | 30,600 |
2014 |  |  |  | 415.5 |  |  | 389.1 |  |  | 379.7 |  |  | 376.3 |  |  | 3.6 |  |  | 40,984 |
2015 |  |  |  |  |  | 460.0 |  |  | 416.5 |  |  | 403.6 |  |  | 11.5 |  |  | 41,957 |
2016 |  |  |  |  |  |  |  | 568.6 |  |  | 541.2 |  |  | 24.8 |  |  | 53,323 |
2017 |  |  |  |  |  |  |  |  |  | 672.8 |  |  | 99.7 |  |  | 64,487 |
|  |  |  |  |  |  |  | Total |  |  | $ | 2,247.8 |  |  |  |  |
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance |  |  |  |
|  | For the years ended December 31, |  |  |  |
Accident Year |  | 2013 1 |  |  | 2014 1 |  |  | 2015 1 |  |  | 2016 1 |  |  | 2017 |  |  |  |  |
2013 |  | $ | 185.1 |  |  | $ | 234.2 |  |  | $ | 244.9 |  |  | $ | 249.5 |  |  | $ | 250.5 |  |  |  |  |
2014 |  |  |  | 269.2 |  |  | 351.5 |  |  | 365.9 |  |  | 370.3 |  |  |  |  |
2015 |  |  |  |  |  | 280.3 |  |  | 372.8 |  |  | 383.5 |  |  |  |  |
2016 |  |  |  |  |  |  |  | 415.2 |  |  | 498.2 |  |  |  |  |
2017 |  |  |  |  |  |  |  |  |  | 506.7 |  |  |  |  |
|  |  |  |  |  |  |  | Total |  |  | $ | 2,009.2 |  |  |  |  |
|  | All outstanding liabilities before 2013, net of reinsurance 1 |  |  | 7.2 |  |  |  |  |
|  | Liabilities for claims and claim adjustment expenses, net of reinsurance |  |  | $ | 245.8 |  |  |  |  |
1 Required supplementary information (unaudited)
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability | The following table reconciles the net incurred and paid claims development tables to the liability for claims and claim adjustment expenses:
(millions) | 2017 |  |  | 2016 |
Net outstanding liabilities |  |  |
Personal Lines |  |  |
Agency, Liability | $ | 3,955.5 |  |  | $ | 3,555.9 |
Agency, Physical Damage | 26.2 |  |  | 30.1 |
Direct, Liability | 3,685.1 |  |  | 3,219.1 |
Direct, Physical Damage | (5.6 | ) |  | 11.2 |
Commercial Lines |  |  |
Liability | 2,027.4 |  |  | 1,675.3 |
Physical Damage | 51.7 |  |  | 46.6 |
Property | 245.8 |  |  | 224.7 |
Other business | 43.7 |  |  | 37.1 |
Liabilities for unpaid claims and claim adjustment expenses, net of reinsurance | 10,029.8 |  |  | 8,800.0 |
Reinsurance recoverable on unpaid claims |  |  |
Personal Lines |  |  |
Agency, Liability | 769.8 |  |  | 724.5 |
Agency, Physical Damage | 0 |  |  | 0 |
Direct, Liability | 838.1 |  |  | 724.3 |
Direct, Physical Damage | 0 |  |  | 0 |
Commercial Lines |  |  |
Liability | 105.1 |  |  | 59.5 |
Physical Damage | 0.1 |  |  | 0 |
Property | 243.8 |  |  | 132.7 |
Other business | 200.9 |  |  | 154.9 |
Total reinsurance recoverable on unpaid claims | $ | 2,157.8 |  |  | $ | 1,795.9 |
Unallocated claims adjustment expense related to: |  |  |
Liabilities for unpaid claims and claim adjustment expenses, net of reinsurance | 887.0 |  |  | 767.0 |
Reinsurance recoverable on unpaid claims | 12.3 |  |  | 5.1 |
Total gross liability for unpaid claims and claim adjustment expense | $ | 13,086.9 |  |  | $ | 11,368.0 |
Short-duration Insurance Contracts, Schedule of Historical Claims Duration | The following table shows the average historical claims duration as of December 31, 2017:
(Required Supplementary Information - Unaudited) |  |  |  |  |
Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance | Years
1 | 2 | 3 | 4 | 5
Personal Lines |  |  |  |  |
Agency, Liability | 47.6% | 30.8% | 11.3% | 5.4% | 2.1%
Agency, Physical Damage | 98.9% | 1.3% | (0.1)% | 0% | 0%
Direct, Liability | 46.7% | 31.3% | 11.7% | 5.5% | 2.2%
Direct, Physical Damage | 100.1% | 0% | (0.2)% | (0.1)% | 0%
Commercial Lines |  |  |  |  |
Liability | 25.8% | 28.7% | 19.2% | 11.9% | 6.0%
Physical Damage | 90.9% | 7.9% | 0% | 0% | 0%
Property | 73.7% | 19.5% | 3.5% | 1.4% | 0.4%

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- Definition Tabular disclosure of the activity in the reserve for settling insured claims and expenses incurred in the claims settlement process for the period. The estimated liability includes the amount of money that will be required for future payments of (a) claims that have been reported to the insurer, (b) claims related to insured events that have occurred but that have not been reported to the insurer as of the date the liability is estimated, and (c) claim adjustment expenses. Claim adjustment expenses include costs incurred in the claim settlement process such as legal fees; outside adjuster fees; and costs to record, process, and adjust claims. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 40 -Section 50 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=65670824&loc=d3e14764-158437 + Details
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- Definition Tabular disclosure of undiscounted information about claims development by accident year for short-duration insurance contracts. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 40 -Section 50 -Paragraph 4B -URI http://asc.fasb.org/extlink&oid=65670685&loc=SL65671311-158438 + Details
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- Definition Tabular disclosure for the reconciliation of claims development to the liability for unpaid claims and claim adjustment expense for short-duration insurance contracts. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 40 -Section 50 -Paragraph 4C -URI http://asc.fasb.org/extlink&oid=65670685&loc=SL65671315-158438 + Details
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- Definition Tabular disclosure of average annual percentage payout of incurred claims by age, after reinsurance, for short-duration insurance contracts. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 40 -Section 50 -Paragraph 4G -URI http://asc.fasb.org/extlink&oid=65670685&loc=SL65671329-158438 + Details
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