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v3.22.2

Reserve for Property and Casualty Insurance Claims and Claims Expense (Tables) | 6 Months Ended
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Jun. 30, 2022
Reserve for Property-Liability Insurance Claims and Claims Expense [Abstract] |
Schedule of liability for unpaid claims and claims adjustment expense |
Rollforward of the reserve for property and casualty insurance claims and claims expense
|  | Six months ended June 30,
($ in millions) |  | 2022 |  | 2021
Balance as of January 1 |  | $ | 33,060 |  |  | $ | 27,610 |
Less recoverables (1) |  | (9,479) |  |  | (7,033) |
Net balance as of January 1 |  | 23,581 |  |  | 20,577 |
National General acquisition as of January 4, 2021 |  | — |  |  | 1,797 |
Incurred claims and claims expense related to: |  |  |  |
Current year |  | 16,585 |  |  | 13,476 |
Prior years |  | 604 |  |  | (226) |
Total incurred |  | 17,189 |  |  | 13,250 |
Claims and claims expense paid related to: |  |  |  |
Current year |  | (7,753) |  |  | (6,919) |
Prior years |  | (7,691) |  |  | (6,134) |
Total paid |  | (15,444) |  |  | (13,053) |
Net balance as of June 30 |  | 25,326 |  |  | 22,571 |
Plus recoverables |  | 8,950 |  |  | 9,066 |
Balance as of June 30 |  | $ | 34,276 |  |  | $ | 31,637 |
(1)Recoverables comprises reinsurance and indemnification recoverables.
Prior year reserve reestimates included in claims and claims expense (1)
|  | Non-catastrophe losses |  | Catastrophe losses |  | Total
($ in millions) |  | 2022 (2) |  | 2021 |  | 2022 |  | 2021 (3) (4) |  | 2022 |  | 2021
Three months ended June 30, |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | $ | 275 |  |  | $ | (29) |  |  | $ | (38) |  |  | $ | (4) |  |  | $ | 237 |  |  | $ | (33) |
Homeowners |  | 47 |  |  | (7) |  |  | 85 |  |  | 37 |  |  | 132 |  |  | 30 |
Other personal lines |  | (5) |  |  | (3) |  |  | 3 |  |  | 4 |  |  | (2) |  |  | 1 |
Commercial lines |  | 91 |  |  | 18 |  |  | 1 |  |  | — |  |  | 92 |  |  | 18 |
Run-off Property-Liability |  | 3 |  |  | 1 |  |  | — |  |  | — |  |  | 3 |  |  | 1 |
Protection Services |  | (3) |  |  | (2) |  |  | — |  |  | — |  |  | (3) |  |  | (2) |
Total prior year reserve reestimates |  | $ | 408 |  |  | $ | (22) |  |  | $ | 51 |  |  | $ | 37 |  |  | $ | 459 |  |  | $ | 15 |
Six months ended June 30, |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | $ | 426 |  |  | $ | (46) |  |  | $ | (47) |  |  | $ | (23) |  |  | $ | 379 |  |  | $ | (69) |
Homeowners |  | 44 |  |  | (2) |  |  | 78 |  |  | (171) |  |  | 122 |  |  | (173) |
Other personal lines |  | (16) |  |  | (3) |  |  | 7 |  |  | (14) |  |  | (9) |  |  | (17) |
Commercial lines |  | 111 |  |  | 31 |  |  | — |  |  | 2 |  |  | 111 |  |  | 33 |
Run-off Property-Liability |  | 4 |  |  | 2 |  |  | — |  |  | — |  |  | 4 |  |  | 2 |
Protection Services |  | (3) |  |  | (2) |  |  | — |  |  | — |  |  | (3) |  |  | (2) |
Total prior year reserve reestimates |  | $ | 566 |  |  | $ | (20) |  |  | $ | 38 |  |  | $ | (206) |  |  | $ | 604 |  |  | $ | (226) |
(1)Favorable reserve reestimates are shown in parentheses. (2)Unfavorable reserve reestimates for personal auto are primarily from physical damage and bodily injury coverages. Increases in physical damage reflect the ongoing inflationary factors and supply chain shortages impacting used vehicle and parts prices, labor rates and length of claim resolution, which contributed to the adverse development of claims reported in prior years but settled in 2022. Increases in injury coverages reflect the ongoing impacts of more severe auto accidents, increased medical inflation, higher consumption of medical treatment and the increased prevalence and severity of claims with attorney representation. Unfavorable reserve reestimates for commercial auto during the second quarter are primarily from shared economy business written in states which Allstate has exited. (3)Included approximately $50 million and $200 million of estimated recoveries related to Nationwide Aggregate Reinsurance Program cover for aggregate catastrophe losses occurring between April 1, 2020 and December 31, 2020, for the three and six months ended 2021, respectively, which primarily impacted homeowners reestimates. (4)Included approximately $110 million favorable subrogation settlements arising from the Woolsey wildfire, which primarily impacted homeowners reestimates, for the six months ended 2021.

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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 https://asc.fasb.org/extlink&oid=116884095&loc=d3e14764-158437 + Details
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