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Reserve for Property and Casualty Insurance Claims and Claims Expense (Tables) | 9 Months Ended
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Sep. 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) |  |
|  | Nine months ended September 30,
|  | Non-catastrophe losses |  | Catastrophe losses |  | Total
($ in millions) |  | 2020 |  | 2019 |  | 2020 |  | 2019 |  | 2020 |  | 2019
Auto |  | $ | (60 | ) |  | $ | (302 | ) |  | $ | (41 | ) |  | $ | (9 | ) |  | $ | (101 | ) |  | $ | (311 | )
Homeowners |  | (19 | ) |  | — |  |  | (421 | ) |  | 59 |  |  | (440 | ) |  | 59 |
Other personal lines |  | (25 | ) |  | 13 |  |  | (41 | ) |  | 4 |  |  | (66 | ) |  | 17 |
Commercial lines |  | 28 |  |  | 18 |  |  | 1 |  |  | (1 | ) |  | 29 |  |  | 17 |
Discontinued Lines and Coverages (2) |  | 139 |  |  | 103 |  |  | — |  |  | — |  |  | 139 |  |  | 103 |
Service Businesses |  | (1 | ) |  | (3 | ) |  | — |  |  | — |  |  | (1 | ) |  | (3 | )
Total prior year reserve reestimates |  | $ | 62 |  |  | $ | (171 | ) |  | $ | (502 | ) |  | $ | 53 |  |  | $ | (440 | ) |  | $ | (118 | )
(1) | Favorable reserve reestimates are shown in parentheses.
(2) The Company’s 2020 annual reserve review, using established industry and actuarial practices, resulted in unfavorable reestimates of $132 million.
Rollforward of the reserve for property and casualty insurance claims and claims expense
|  | Nine months ended September 30,
($ 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 |  | 17,075 |  |  | 18,345 |
Prior years |  | (440 | ) |  | (118 | )
Total incurred |  | 16,635 |  |  | 18,227 |
Claims and claims expense paid related to: |  |  |  |
Current year |  | (9,623 | ) |  | (10,640 | )
Prior years |  | (6,714 | ) |  | (6,872 | )
Total paid |  | (16,337 | ) |  | (17,512 | )
Net balance as of September 30 |  | 21,098 |  |  | 20,983 |
Plus recoverables |  | 6,889 |  |  | 7,093 |
Balance as of September 30 |  | $ | 27,987 |  |  | $ | 28,076 |
(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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