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Reinsurance (Tables) | 12 Months Ended
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Dec. 31, 2023
Reinsurance Disclosures [Abstract] |
Reinsurance Recoverable | Reinsurance recoverable at the balance sheet dates consists of the following:
| December 31,
| 2023 |  | 2022
Reinsurance recoverable on unpaid losses and LAE | $ | 271,948 |  |  | $ | 732,341 |
Reinsurance recoverable on paid losses and LAE | 69,154 |  |  | 64,205 |
Reinsurance recoverable(1) | $ | 341,102 |  |  | $ | 796,546 |
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,
| 2023 |  | 2022 |  | 2021
Premium written: |  |  |  |  |
Direct | $ | 669,927 |  |  | $ | 532,818 |  |  | $ | 443,115 |
Assumed | 116 |  |  | 39,525 |  |  | 41,412 |
Ceded | (422,731) |  |  | (244,190) |  |  | (258,371) |
Net premium written | $ | 247,312 |  |  | $ | 328,153 |  |  | $ | 226,156 |
Change in unearned premiums: |  |  |  |  |
Direct | $ | (44,280) |  |  | $ | (47,497) |  |  | $ | (30,309) |
Assumed | 10,201 |  |  | 10,523 |  |  | 11,541 |
Ceded | 68,651 |  |  | (21,833) |  |  | 13,741 |
Net decrease (increase) | $ | 34,572 |  |  | $ | (58,807) |  |  | $ | (5,027) |
Premiums earned: |  |  |  |  |
Direct | $ | 625,647 |  |  | $ | 485,321 |  |  | $ | 412,806 |
Assumed | 10,317 |  |  | 50,048 |  |  | 52,953 |
Ceded | (354,080) |  |  | (266,023) |  |  | (244,630) |
Net premiums earned | $ | 281,884 |  |  | $ | 269,346 |  |  | $ | 221,129 |
Losses and LAE incurred: |  |  |  |  |
Direct | $ | 136,707 |  |  | $ | 756,233 |  |  | $ | 77,515 |
Assumed | 2,997 |  |  | 45,521 |  |  | 38,440 |
Ceded | (76,843) |  |  | (666,949) |  |  | (26,904) |
Net losses and LAE incurred | $ | 62,861 |  |  | $ | 134,805 |  |  | $ | 89,051 |
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,
| 2023 |  | 2022 |  | 2021
Unpaid losses and LAE: |  |  |  |  |
Direct | $ | 344,389 |  |  | $ | 829,862 |  |  | $ | 228,423 |
Assumed | 25,832 |  |  | 13,096 |  |  | 22,219 |
Gross unpaid losses and LAE | 370,221 |  |  | 842,958 |  |  | 250,642 |
Ceded | (271,948) |  |  | (732,341) |  |  | (176,183) |
Net unpaid losses and LAE | $ | 98,273 |  |  | $ | 110,617 |  |  | $ | 74,459 |
Unearned premiums: |  |  |  |  |
Direct | $ | 293,057 |  |  | $ | 248,777 |  |  | $ | 201,280 |
Assumed | — |  |  | 10,201 |  |  | 20,728 |
Gross unearned premiums | 293,057 |  |  | 258,978 |  |  | 222,008 |
Ceded | (159,147) |  |  | (90,496) |  |  | (112,329) |
Net unearned premiums | $ | 133,910 |  |  | $ | 168,482 |  |  | $ | 109,679 |

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