Personal Lines
| Six Months Ended June 30, | ||||||
| > 2013 | 2012 | Change | ||||
|---|---|---|---|---|---|---|
| Net premiums written (in billions) | $ | 7.89 | $ | 7.39 | 7% | |
| Net premiums earned (in billions) | $ | 7.59 | $ | 7.06 | 7% | |
| Loss and loss adjustment expense ratio | 72.1 | 74.2 | (2.1) pts. | |||
| Underwriting expense ratio | 20.5 | 21.9 | (1.4) pts. | |||
| Combined ratio | 92.6 | 96.1 | (3.5) pts. | |||
| Policies in force (in thousands) | 13,007.8 | 12,892.7 | 1% | |||
Commercial Auto
| Six Months Ended June 30, | ||||||
| > 2013 | 2012 | Change | ||||
|---|---|---|---|---|---|---|
| Net premiums written (in billions) | $ | .94 | $ | .90 | 5% | |
| Net premiums earned (in billions) | $ | .87 | $ | .79 | 10% | |
| Loss and loss adjustment expense ratio | 72.4 | 70.5 | 1.9 pts. | |||
| Underwriting expense ratio | 22.2 | 22.8 | (.6) pts. | |||
| Combined ratio | 94.6 | 93.3 | 1.3 pts. | |||
| Policies in force (in thousands) | 526.6 | 525.0 | 0% | |||