Personal Lines
| Three Months Ended March 31, | ||||||
| > 2013 | 2012 | Change | ||||
|---|---|---|---|---|---|---|
| Net premiums written (in billions) | $ | 3.99 | $ | 3.73 | 7% | |
| Net premiums earned (in billions) | $ | 3.75 | $ | 3.47 | 8% | |
| Loss and loss adjustment expense ratio | 71.1 | 71.8 | (.7) pts. | |||
| Underwriting expense ratio | 20.8 | 22.4 | (1.6) pts. | |||
| Combined ratio | 91.9 | 94.2 | (2.3) pts. | |||
| Policies in force (in thousands) | 12,869.9 | 12,656.4 | 2% | |||
Commercial Auto
| Three Months Ended March 31, | ||||||
| > 2013 | 2012 | Change | ||||
|---|---|---|---|---|---|---|
| Net premiums written (in billions) | $ | .46 | $ | .43 | 7% | |
| Net premiums earned (in billions) | $ | .43 | $ | .39 | 11% | |
| Loss and loss adjustment expense ratio | 73.9 | 69.1 | 4.8 pts. | |||
| Underwriting expense ratio | 22.6 | 23.3 | (.7) pts. | |||
| Combined ratio | 96.5 | 92.4 | 4.1 pts. | |||
| Policies in force (in thousands) | 519.6 | 513.8 | 1% | |||