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v3.23.1

Reinsurance (Tables) | 12 Months Ended
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Dec. 31, 2022
Reinsurance Disclosures [Abstract] |
Reinsurance Recoverable | Reinsurance recoverable at the balance sheet dates consists of the following:
| December 31,
| 2022 |  | 2021
Reinsurance recoverable on unpaid losses and LAE | $ | 1,431,000 |  |  | $ | 749,600 |
Reinsurance recoverable on paid losses and LAE | 200,408 |  |  | 247,520 |
Reinsurance recoverable(1) | $ | 1,631,408 |  |  | $ | 997,120 |
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,
| 2022 |  | 2021 |  | 2020
Premium written: |  |  |  |  |
Direct | $ | 1,123,537 |  |  | $ | 1,329,129 |  |  | $ | 1,411,558 |
Assumed | 526 |  |  | 316 |  |  | 45,305 |
Ceded | (542,954) |  |  | (864,725) |  |  | (755,871) |
Net premium written | $ | 581,109 |  |  | $ | 464,720 |  |  | $ | 700,992 |
Change in unearned premiums: |  |  |  |  |
Direct | $ | 98,478 |  |  | $ | 59,547 |  |  | $ | (66,483) |
Assumed | 642 |  |  | 19,451 |  |  | 16,600 |
Ceded | (217,603) |  |  | 46,043 |  |  | 114,554 |
Net decrease (increase) | $ | (118,483) |  |  | $ | 125,041 |  |  | $ | 64,671 |
Premiums earned: |  |  |  |  |
Direct | $ | 1,222,015 |  |  | $ | 1,388,676 |  |  | $ | 1,345,075 |
Assumed | 1,168 |  |  | 19,767 |  |  | 61,905 |
Ceded | (760,557) |  |  | (818,682) |  |  | (641,317) |
Net premiums earned | $ | 462,626 |  |  | $ | 589,761 |  |  | $ | 765,663 |
Losses and LAE incurred: |  |  |  |  |
Direct | $ | 2,389,152 |  |  | $ | 1,319,606 |  |  | $ | 1,186,401 |
Assumed | 6,689 |  |  | 13,969 |  |  | 67,119 |
Ceded | (1,758,194) |  |  | (911,441) |  |  | (645,204) |
Net losses and LAE incurred | $ | 637,647 |  |  | $ | 422,134 |  |  | $ | 608,316 |
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,
| 2022 |  | 2021 |  | 2020
Unpaid losses and LAE: |  |  |  |  |
Direct | $ | 1,942,612 |  |  | $ | 1,062,567 |  |  | $ | 1,042,994 |
Assumed | 4,326 |  |  | 21,883 |  |  | 46,972 |
Gross unpaid losses and LAE | 1,946,938 |  |  | 1,084,450 |  |  | 1,089,966 |
Ceded | (1,431,000) |  |  | (749,600) |  |  | (674,746) |
Net unpaid losses and LAE | $ | 515,938 |  |  | $ | 334,850 |  |  | $ | 415,220 |
Unearned premiums: |  |  |  |  |
Direct | $ | 545,587 |  |  | $ | 644,065 |  |  | $ | 703,612 |
Assumed | 233 |  |  | 875 |  |  | 20,326 |
Gross unearned premiums | 545,820 |  |  | 644,940 |  |  | 723,938 |
Ceded | (213,028) |  |  | (430,631) |  |  | (384,588) |
Net unearned premiums | $ | 332,792 |  |  | $ | 214,309 |  |  | $ | 339,350 |

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