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Reinsurance (Tables)
 12 Months Ended
Dec. 31, 2013
Reinsurance Disclosures [Abstract]  
Effect of Reinsurance on Premiums Written and Earned
The effect of reinsurance on premiums written and earned for the years ended December 31, was as follows:
  
2013
 
2012
 
2011
(millions)
Written

Earned

 
Written

Earned

 
Written

Earned

Direct premiums
$
17,562.8

$
17,317.9

 
$
16,558.8

$
16,207.6

 
$
15,333.1

$
15,107.5

Ceded
(223.1
)
(214.5
)
 
(186.1
)
(189.6
)
 
(186.5
)
(204.7
)
Net premiums
$
17,339.7

$
17,103.4

 
$
16,372.7

$
16,018.0

 
$
15,146.6

$
14,902.8
Prepaid Reinsurance Premiums and Reinsurance Recoverables
Our prepaid reinsurance premiums and reinsurance recoverables were comprised of the following at December 31:

 
Prepaid Reinsurance Premiums
 
Reinsurance Recoverables
($ in millions)
2013
 
2012
 
2013
 
2012
MCCA
$
29.5

40
%
 
$
25.4

38
%
 
$
875.9

80
%
 
$
739.2

82
%
CAIP
21.1

28

 
15.4

23

 
79.3

7

 
66.3

7

NCRF
20.5

27

 
19.5

30

 
50.1

5

 
50.6

6

State Plans
71.1

95

 
60.3

91

 
1,005.3

92

 
856.1

95

Non-State Plans
3.8

5

 
6.0

9

 
84.9

8

 
44.9

5

Total
$
74.9

100
%
 
$
66.3

100
%
 
$
1,090.2

100
%
 
$
901.0

100
%