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Reinsurance (Tables) | 12 Months Ended
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Dec. 31, 2021
Reinsurance Disclosures [Abstract] |
Reinsurance Recoverable | Reinsurance recoverable at the balance sheet dates consists of the following:
| December 31,
| 2021 |  | 2020
Reinsurance recoverable on unpaid losses and LAE | $ | 749,600 |  |  | $ | 674,746 |
Reinsurance recoverable on paid losses and LAE | 247,520 |  |  | 146,410 |
Reinsurance recoverable | $ | 997,120 |  |  | $ | 821,156 |
Reinsurance, Effect on Operations | The following table depicts written premiums, earned premiums and losses, showing the effects that our reinsurance transactions have on these components of our Consolidated Statements of Comprehensive Loss:
| Year ended December 31,
| 2021 |  | 2020 |  | 2019
Premium written: |  |  |  |  |
Direct | $ | 1,329,129 |  |  | $ | 1,411,558 |  |  | $ | 1,278,504 |
Assumed | 316 |  |  | 45,305 |  |  | 101,764 |
Ceded | (864,725) |  |  | (755,871) |  |  | (633,275) |
Net premium written | $ | 464,720 |  |  | $ | 700,992 |  |  | $ | 746,993 |
Change in unearned premiums: |  |  |  |  |
Direct | $ | 59,547 |  |  | $ | (66,483) |  |  | $ | (59,660) |
Assumed | 19,451 |  |  | 16,600 |  |  | 12,918 |
Ceded | 46,043 |  |  | 114,554 |  |  | 52,149 |
Net decrease (increase) | $ | 125,041 |  |  | $ | 64,671 |  |  | $ | 5,407 |
Premiums earned: |  |  |  |  |
Direct | $ | 1,388,676 |  |  | $ | 1,345,075 |  |  | $ | 1,218,844 |
Assumed | 19,767 |  |  | 61,905 |  |  | 114,682 |
Ceded | (818,682) |  |  | (641,317) |  |  | (581,126) |
Net premiums earned | $ | 589,761 |  |  | $ | 765,663 |  |  | $ | 752,400 |
Losses and LAE incurred: |  |  |  |  |
Direct | $ | 1,319,606 |  |  | $ | 1,186,401 |  |  | $ | 1,003,767 |
Assumed | 13,969 |  |  | 67,119 |  |  | 44,914 |
Ceded | (911,441) |  |  | (645,204) |  |  | (549,188) |
Net losses and LAE incurred | $ | 422,134 |  |  | $ | 608,316 |  |  | $ | 499,493 |
Reinsurance Effects On Unpaid Lossses, LAE and Unearned Premiums | The following table highlights the effects that our reinsurance transactions have on unpaid losses and loss adjustment expenses and unearned premiums in our Consolidated Balance Sheets:
| December 31,
| 2021 |  | 2020 |  | 2019
Unpaid losses and LAE: |  |  |  |  |
Direct | $ | 1,062,567 |  |  | $ | 1,042,994 |  |  | $ | 716,559 |
Assumed | 21,883 |  |  | 46,972 |  |  | 43,798 |
Gross unpaid losses and LAE | 1,084,450 |  |  | 1,089,966 |  |  | 760,357 |
Ceded | (749,600) |  |  | (674,746) |  |  | (482,315) |
Net unpaid losses and LAE | $ | 334,850 |  |  | $ | 415,220 |  |  | $ | 278,042 |
Unearned premiums: |  |  |  |  |
Direct | $ | 644,065 |  |  | $ | 703,612 |  |  | $ | 637,128 |
Assumed | 875 |  |  | 20,326 |  |  | 36,927 |
Gross unearned premiums | 644,940 |  |  | 723,938 |  |  | 674,055 |
Ceded | (430,631) |  |  | (384,588) |  |  | (270,034) |
Net unearned premiums | $ | 214,309 |  |  | $ | 339,350 |  |  | $ | 404,021 |

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