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Property and Casualty Insurance Reserves (Tables)
 12 Months Ended
Dec. 31, 2016
Liability for Future Policy Benefits and Unpaid Claims and Claims Adjustment Expense [Abstract]  
Short-duration Insurance Contracts, Claims Development [Table Text Block]
The following tables contain information about incurred and paid claims development as of and for the year December 31, 2016, net of reinsurance and indemnification, as well as cumulative claim frequency and the total of IBNR liabilities, including expected development on reported claims included within the net incurred losses and allocated LAE amounts. The tables are grouped by major product line and, if relevant, coverage. The information about incurred and paid claims development for the years ended December 31, 2012 through 2015 is presented as supplementary information and is unaudited.
Preferred Personal Automobile Insurance—Liability
DOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMS
 
As of December 31, 2016
 
 
Incurred Losses and Allocated LAE, Net of Reinsurance
For the Years Ended December 31,
 
Total of IBNR Liabilities Plus Expected Development on Reported Claims
 
Cumulative Number of Incurred Claims
Accident Year
 
2012
(Unaudited)
 
2013
(Unaudited)
 
2014
(Unaudited)
 
2015
(Unaudited)
 
2016
 
 
2012
 
$
305.0

 
$
290.9

 
$
284.4

 
$
282.2

 
$
282.1

 
$
0.8

 
56,772

2013
 
265.4

 
251.1

 
250.1

 
251.6

 
—

 
51,126

2014
 
202.1

 
198.3

 
200.2

 
0.9

 
39,865

2015
 
168.3

 
171.8

 
6.3

 
32,484

2016
 
162.1

 
26.9

 
30,278

Total
 
1,067.8

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cumulative Paid Losses and Allocated LAE, Net of Reinsurance
 
 
 
 
 
 
For the Years Ended December 31,
 
 
 
 
Accident Year
 
2012
(Unaudited)
 
2013
(Unaudited)
 
2014
(Unaudited)
 
2015
(Unaudited)
 
2016
 
 
 
 
2012
 
$
117.8

 
$
207.6

 
$
245.5

 
$
264.3

 
$
272.9

 
 
 
 
2013
 
107.2

 
182.2

 
216.3

 
234.1

 
 
 
 
2014
 
85.8

 
143.3

 
168.8

 
 
 
 
2015
 
73.1

 
122.4

 
 
 
 
2016
 
61.2

 
 
 
 
Total
 
859.4

 
 
 
 
Outstanding Loss and Allocated LAE Reserves on Accident Years before 2012, Net of Reinsurance
 
10.9

 
 
 
 
Loss and Allocated LAE Reserves, Net of Reinsurance
 
$
219.3

 
 
 
 
NOTE 6. PROPERTY AND CASUALTY INSURANCE RESERVES (Continued)
Preferred Personal Automobile Insurance—Physical Damage
DOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMS
 
As of December 31, 2016
 
 
Incurred Losses and Allocated LAE, Net of Reinsurance
For the Years Ended December 31,
 
Total of IBNR Liabilities Plus Expected Development on Reported Claims
 
Cumulative Number of Incurred Claims
Accident Year
 
2012
(Unaudited)
 
2013
(Unaudited)
 
2014
(Unaudited)
 
2015
(Unaudited)
 
2016
 
 
2012
 
$
163.9

 
$
163.9

 
$
164.1

 
$
164.2

 
$
164.3

 
$
(0.1
)
 
89,703

2013
 
139.7

 
138.5

 
138.5

 
138.4

 
(0.1
)
 
78,779

2014
 
122.0

 
121.6

 
121.4

 
(0.1
)
 
67,205

2015
 
101.2

 
100.7

 
(0.4
)
 
53,419

2016
 
106.6

 
(4.2
)
 
49,267

Total
 
631.4

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cumulative Paid Losses and Allocated LAE, Net of Reinsurance
 
 
 
 
 
 
For the Years Ended December 31,
 
 
 
 
Accident Year
 
2012
(Unaudited)
 
2013
(Unaudited)
 
2014
(Unaudited)
 
2015
(Unaudited)
 
2016
 
 
 
 
2012
 
$
160.5

 
$
164.4

 
$
164.2

 
$
164.2

 
$
164.3

 
 
 
 
2013
 
137.0

 
138.9

 
138.6

 
138.5

 
 
 
 
2014
 
121.0

 
121.8

 
121.5

 
 
 
 
2015
 
100.1

 
101.0

 
 
 
 
2016
 
105.2

 
 
 
 
Total
 
630.5

 
 
 
 
Outstanding Loss and Allocated LAE Reserves on Accident Years before 2012, Net of Reinsurance
 
(0.1
)
 
 
 
 
Loss and Allocated LAE Reserves, Net of Reinsurance
 
$
0.8

 
 
 
 
NOTE 6. PROPERTY AND CASUALTY INSURANCE RESERVES (Continued)
Non-standard Personal Automobile Insurance—Liability1 
DOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMS
 
As of December 31, 2016
 
 
Incurred Losses and Allocated LAE, Net of Reinsurance and Indemnification
For the Years Ended December 31,
 
Total of IBNR Liabilities Plus Expected Development on Reported Claims
 
Cumulative Number of Incurred Claims
Accident Year
 
2012
(Unaudited)
 
2013
(Unaudited)
 
2014
(Unaudited)
 
2015
(Unaudited)
 
2016
 
 
2012
 
$
243.0

 
$
242.1

 
$
242.0

 
$
243.0

 
$
244.0

 
$
0.2

 
63,019

2013
 
250.5

 
247.1

 
248.3

 
249.5

 
0.5

 
67,058

2014
 
255.0

 
262.9

 
267.1

 
5.4

 
76,846

2015
 
379.4

 
379.8

 
10.4

 
91,832

2016
 
435.7

 
72.2

 
108,062

Total
 
1,576.1

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cumulative Paid Losses and Allocated LAE, Net of Reinsurance and Indemnification
 
 
 
 
 
 
For the Years Ended December 31,
 
 
 
 
Accident Year
 
2012
(Unaudited)
 
2013
(Unaudited)
 
2014
(Unaudited)
 
2015
(Unaudited)
 
2016
 
 
 
 
2012
 
$
112.8

 
$
202.6

 
$
228.9

 
$
238.9

 
$
242.6

 
 
 
 
2013
 
117.8

 
208.2

 
233.8

 
244.2

 
 
 
 
2014
 
117.4

 
210.8

 
245.5

 
 
 
 
2015
 
167.7

 
304.7

 
 
 
 
2016
 
168.9

 
 
 
 
Total
 
1,205.9

 
 
 
 
Outstanding Loss and Allocated LAE Reserves on Accident Years before 2012, Net of Reinsurance and Indemnification
 
1.5

 
 
 
 
Loss and Allocated LAE Reserves, Net of Reinsurance and Indemnification
 
$
371.7

 
 
 
 
 
 
 
 
 
1 Table retrospectively includes Alliance United’s historical incurred and paid accident year claim information for all periods presented.
NOTE 6. PROPERTY AND CASUALTY INSURANCE RESERVES (Continued)
Non-standard Personal Automobile Insurance—Physical Damage1 
DOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMS
 
As of December 31, 2016
 
 
Incurred Losses and Allocated LAE, Net of Reinsurance and Indemnification
For the Years Ended December 31,
 
Total of IBNR Liabilities Plus Expected Development on Reported Claims
 
Cumulative Number of Incurred Claims
Accident Year
 
2012
(Unaudited)
 
2013
(Unaudited)
 
2014
(Unaudited)
 
2015
(Unaudited)
 
2016
 
 
2012
 
$
96.4

 
$
98.1

 
$
98.4

 
$
98.3

 
$
98.2

 
$
—

 
35,840

2013
 
100.1

 
100.3

 
100.0

 
99.8

 
(0.1
)
 
36,179

2014
 
105.8

 
104.7

 
104.3

 
(0.7
)
 
38,042

2015
 
143.2

 
143.3

 
(1.6
)
 
42,863

2016
 
177.9

 
(4.0
)
 
52,039

Total
 
623.5

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cumulative Paid Losses and Allocated LAE, Net of Reinsurance and Indemnification
 
 
 
 
 
 
For the Years Ended December 31,
 
 
 
 
Accident Year
 
2012
(Unaudited)
 
2013
(Unaudited)
 
2014
(Unaudited)
 
2015
(Unaudited)
 
2016
 
 
 
 
2012
 
$
91.2

 
$
98.3

 
$
98.2

 
$
98.2

 
$
98.2

 
 
 
 
2013
 
93.4

 
100.2

 
99.9

 
99.7

 
 
 
 
2014
 
97.1

 
105.9

 
105.1

 
 
 
 
2015
 
130.0

 
143.8

 
 
 
 
2016
 
167.4

 
 
 
 
Total
 
614.2

 
 
 
 
Outstanding Loss and Allocated LAE Reserves on Accident Years before 2012, Net of Reinsurance and Indemnification
 
—

 
 
 
 
Loss and Allocated LAE Reserves, Net of Reinsurance and Indemnification
 
$
9.3

 
 
 
 
 
 
 
 
 
1 Table retrospectively includes Alliance United’s historical incurred and paid accident year claim information for all periods presented.

NOTE 6. PROPERTY AND CASUALTY INSURANCE RESERVES (Continued)
Homeowners Insurance
DOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMS
 
As of December 31, 2016
 
 
Incurred Losses and Allocated LAE, Net of Reinsurance
For the Years Ended December 31,
 
Total of IBNR Liabilities Plus Expected Development on Reported Claims
 
Cumulative Number of Incurred Claims
Accident Year
 
2012
(Unaudited)
 
2013
(Unaudited)
 
2014
(Unaudited)
 
2015
(Unaudited)
 
2016
 
 
2012
 
$
250.2

 
$
235.9

 
$
231.0

 
$
227.5

 
$
226.7

 
$
0.1

 
27,833

2013
 
180.8

 
172.8

 
169.4

 
167.5

 
(0.1
)
 
21,976

2014
 
211.1

 
208.5

 
205.0

 
(0.1
)
 
22,432

2015
 
178.9

 
164.9

 
(1.8
)
 
17,432

2016
 
200.3

 
9.7

 
16,769

Total
 
964.4

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cumulative Paid Losses and Allocated LAE, Net of Reinsurance
 
 
 
 
 
 
For the Years Ended December 31,
 
 
 
 
Accident Year
 
2012
(Unaudited)
 
2013
(Unaudited)
 
2014
(Unaudited)
 
2015
(Unaudited)
 
2016
 
 
 
 
2012
 
$
165.9

 
$
216.0

 
$
222.3

 
$
225.2

 
$
225.8

 
 
 
 
2013
 
122.4

 
156.5

 
162.5

 
164.7

 
 
 
 
2014
 
149.2

 
194.4

 
200.1

 
 
 
 
2015
 
116.9

 
154.4

 
 
 
 
2016
 
141.2

 
 
 
 
Total
 
886.2

 
 
 
 
Outstanding Loss and Allocated LAE Reserves on Accident Years before 2012, Net of Reinsurance
 
3.5

 
 
 
 
Loss and Allocated LAE Reserves, Net of Reinsurance
 
$
81.7

 
 
 
 
Liability for Unpaid Claims Adjustment Expense by Expense Type
Property and Casualty Insurance Reserve activity for the years ended December 31, 2016, 2015 and 2014 was:
DOLLARS IN MILLIONS
 
2016
 
2015
 
2014
Beginning Property and Casualty Insurance Reserves:
 
 
 
 
 
 
Gross of Reinsurance and Indemnification at Beginning of Year
 
$
862.8

 
$
733.9

 
$
843.5

Less Reinsurance Recoverables and Indemnification at Beginning of Year
 
52.0

 
54.9

 
63.4

Property and Casualty Insurance Reserves, Net of Reinsurance and Indemnification at Beginning of Year
 
810.8

 
679.0

 
780.1

Property and Casualty Insurance Reserves Acquired, Net of Reinsurance and Indemnification
 
—

 
125.4

 
—

Incurred Losses and LAE related to:
 
 
 
 
 
 
Current Year:
 
 
 
 
 
 
Continuing Operations
 
1,358.6

 
1,123.3

 
965.4

Prior Years:
 
 
 
 
 
 
Continuing Operations
 
(14.4
)
 
(11.5
)
 
(53.5
)
Discontinued Operations
 
(6.3
)
 
(8.6
)
 
(3.6
)
Total Incurred Losses and LAE related to Prior Years
 
(20.7
)
 
(20.1
)
 
(57.1
)
Total Incurred Losses and LAE
 
1,337.9

 
1,103.2

 
908.3

Paid Losses and LAE related to:
 
 
 
 
 
 
Current Year:
 
 
 
 
 
 
Continuing Operations
 
831.0

 
723.2

 
639.8

Prior Years:
 
 
 
 
 
 
Continuing Operations
 
431.9

 
366.2

 
360.4

Discontinued Operations
 
4.6

 
7.4

 
9.2

Total Paid Losses and LAE related to Prior Years
 
436.5

 
373.6

 
369.6

Total Paid Losses and LAE
 
1,267.5

 
1,096.8

 
1,009.4

Property and Casualty Insurance Reserves, Net of Reinsurance and Indemnification at End of Year
 
881.2

 
810.8

 
679.0

Plus Reinsurance and Indemnification Recoverables at End of Year
 
50.2

 
52.0

 
54.9

Property and Casualty Insurance Reserves, Gross of Reinsurance and Indemnification at End of Year
 
$
931.4

 
$
862.8

 
$
733.9
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability [Table Text Block]
The following table reconciles the net incurred and paid claims development tables presented above to the Company's liability for Property and Casualty Insurance Reserves included in the Consolidated Balance Sheet at December 31, 2016.
DOLLARS IN MILLIONS
 
2016
Property and Casualty Insurance Reserves, Net of Reinsurance and Indemnification:
 
 
Preferred Personal Automobile Insurance—Liability
 
$
219.3

Preferred Personal Automobile Insurance—Physical Damage
 
0.8

Non-standard Personal Automobile Insurance—Liability
 
371.7

Non-standard Personal Automobile Insurance—Physical Damage
 
9.3

Homeowners Insurance
 
81.7

Other
 
124.7

Total
 
807.5

Reinsurance and Indemnification Recoverables on Unpaid Losses and Allocated LAE:
 
 
Preferred Personal Automobile Insurance—Liability
 
28.3

Preferred Personal Automobile Insurance—Physical Damage
 
—

Non-standard Personal Automobile Insurance—Liability
 
10.6

Non-standard Personal Automobile Insurance—Physical Damage
 
(0.6
)
Homeowners Insurance
 
—

Other
 
8.7

Total
 
47.0

Insurance Lines other than Short-duration
 
—

Unallocated LAE
 
76.9

Property and Casualty Insurance Reserves, Gross of Reinsurance and Indemnification
 
$
931.4