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Reserve for Property and Casualty Insurance Claims and Claims Expense (Tables) | 6 Months Ended
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Jun. 30, 2020
Reserve for Property-Liability Insurance Claims and Claims Expense [Abstract] |
Schedule of liability for unpaid claims and claims adjustment expense |
Prior year reserve reestimates included in claims and claims expense (1) |  |
|  | Six months ended June 30,
|  | Non-catastrophes losses |  | Catastrophes losses |  | Total
($ in millions) |  | 2020 |  | 2019 |  | 2020 |  | 2019 |  | 2020 |  | 2019
Auto |  | $ | (26 | ) |  | $ | (151 | ) |  | $ | (15 | ) |  | $ | (7 | ) |  | $ | (41 | ) |  | $ | (158 | )
Homeowners |  | (3 | ) |  | — |  |  | 19 |  |  | 57 |  |  | 16 |  |  | 57 |
Other personal lines |  | (6 | ) |  | 2 |  |  | (2 | ) |  | 6 |  |  | (8 | ) |  | 8 |
Commercial lines |  | 24 |  |  | 17 |  |  | 3 |  |  | — |  |  | 27 |  |  | 17 |
Discontinued Lines and Coverages |  | 4 |  |  | 5 |  |  | — |  |  | — |  |  | 4 |  |  | 5 |
Service Businesses |  | (1 | ) |  | (3 | ) |  | — |  |  | — |  |  | (1 | ) |  | (3 | )
Total prior year reserve reestimates |  | $ | (8 | ) |  | $ | (130 | ) |  | $ | 5 |  |  | $ | 56 |  |  | $ | (3 | ) |  | $ | (74 | )
(1) | Favorable reserve reestimates are shown in parentheses.
California wildfire subrogation subsequent event On June 20, 2020, the United States Bankruptcy Court for the Northern District of California confirmed PG&E Corporation’s and Pacific Gas and Electric Company’s (together, "PG&E") Chapter 11 Plan of Reorganization. The Plan of Reorganization included an agreement to resolve insurance subrogation claims arising from the 2017 Northern California wildfires and the 2018 Camp Fire for $11 billion. Allstate is one of the insurance companies that is party to the agreement with subrogating insurers. On July 1, 2020, PG&E emerged from Chapter 11 and funded the subrogation trust from which distributions will be made to the insurers. Insurers have five years from the effective date of the Plan of Reorganization to submit proof of paid losses to the trust prior to the final distribution. The Company expects to recognize a favorable impact of approximately $400 million to $450 million, pre-tax, net of expenses and adjustments to reinsurance, in the third quarter 2020, which will be reflected as prior year catastrophe reserve reestimates in the Condensed Consolidated Statement of Operations. On July 24, 2020, the Company received an initial distribution from the trust representing approximately 80% of the expected recovery.
Rollforward of the reserve for property and casualty insurance claims and claims expense
|  | Six months ended June 30,
($ in millions) |  | 2020 |  | 2019
Balance as of January 1 |  | $ | 27,712 |  |  | $ | 27,423 |
Less recoverables (1) |  | (6,912 | ) |  | (7,155 | )
Net balance as of January 1 |  | 20,800 |  |  | 20,268 |
Incurred claims and claims expense related to: |  |  |  |
Current year |  | 10,566 |  |  | 12,250 |
Prior years |  | (3 | ) |  | (74 | )
Total incurred |  | 10,563 |  |  | 12,176 |
Claims and claims expense paid related to: |  |  |  |
Current year |  | (5,777 | ) |  | (6,125 | )
Prior years |  | (5,173 | ) |  | (5,237 | )
Total paid |  | (10,950 | ) |  | (11,362 | )
Net balance as of June 30 |  | 20,413 |  |  | 21,082 |
Plus recoverables |  | 7,013 |  |  | 7,023 |
Balance as of June 30 |  | $ | 27,426 |  |  | $ | 28,105 |
(1) Recoverables comprises reinsurance and indemnification recoverables.

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- Definition Reserve for Property-Liability Insurance Claims and Claims Expense [Abstract] + References No definition available. + Details
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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://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 40 -Section 50 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=116884095&loc=d3e14764-158437 + Details
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