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Property and Casualty Insurance Reserves (Tables)
 12 Months Ended
Dec. 31, 2017
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 ended December 31, 2017, 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, 2013 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, 2017
 
 
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
 
2013
(Unaudited)
 
2014
(Unaudited)
 
2015
(Unaudited)
 
2016
(Unaudited)
 
2017
 
 
2013
 
$
265.4

 
$
251.1

 
$
250.1

 
$
251.6

 
$
251.8

 
$
—

 
51,112

2014
 
202.1

 
198.3

 
200.2

 
202.8

 
0.1

 
39,903

2015
 
168.3

 
171.8

 
176.5

 
1.3

 
32,752

2016
 
162.1

 
174.5

 
9.0

 
30,472

2017
 
164.4

 
39.2

 
28,086

Total
 
970.0

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cumulative Paid Losses and Allocated LAE, Net of Reinsurance
 
 
 
 
 
 
For the Years Ended December 31,
 
 
 
 
Accident Year
 
2013
(Unaudited)
 
2014
(Unaudited)
 
2015
(Unaudited)
 
2016
(Unaudited)
 
2017
 
 
 
 
2013
 
$
107.2

 
$
182.2

 
$
216.3

 
$
234.1

 
$
241.9

 
 
 
 
2014
 
85.8

 
143.3

 
168.8

 
188.3

 
 
 
 
2015
 
73.1

 
122.4

 
147.5

 
 
 
 
2016
 
61.2

 
114.6

 
 
 
 
2017
 
59.2

 
 
 
 
Total
 
751.5

 
 
 
 
Outstanding Loss and Allocated LAE Reserves on Accident Years before 2013, Net of Reinsurance
 
11.4

 
 
 
 
Loss and Allocated LAE Reserves, Net of Reinsurance
 
$
229.9

 
 
 
 
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, 2017
 
 
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
 
2013
(Unaudited)
 
2014
(Unaudited)
 
2015
(Unaudited)
 
2016
(Unaudited)
 
2017
 
 
2013
 
$
139.7

 
$
138.5

 
$
138.5

 
$
138.4

 
$
138.4

 
$
(0.1
)
 
78,778

2014
 
122.0

 
121.6

 
121.4

 
121.4

 
(0.1
)
 
67,219

2015
 
101.2

 
100.7

 
100.6

 
(0.1
)
 
53,464

2016
 
106.6

 
106.6

 
(0.5
)
 
49,870

2017
 
109.2

 
(1.2
)
 
47,440

Total
 
576.2

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cumulative Paid Losses and Allocated LAE, Net of Reinsurance
 
 
 
 
 
 
For the Years Ended December 31,
 
 
 
 
Accident Year
 
2013
(Unaudited)
 
2014
(Unaudited)
 
2015
(Unaudited)
 
2016
(Unaudited)
 
2017
 
 
 
 
2013
 
$
137.0

 
$
138.9

 
$
138.6

 
$
138.5

 
$
138.5

 
 
 
 
2014
 
121.0

 
121.8

 
121.5

 
121.5

 
 
 
 
2015
 
100.1

 
101.0

 
100.7

 
 
 
 
2016
 
105.2

 
106.9

 
 
 
 
2017
 
104.4

 
 
 
 
Total
 
572.0

 
 
 
 
Outstanding Loss and Allocated LAE Reserves on Accident Years before 2013, Net of Reinsurance
 
(0.1
)
 
 
 
 
Loss and Allocated LAE Reserves, Net of Reinsurance
 
$
4.1

 
 
 
 
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, 2017
 
 
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
 
2013
(Unaudited)
 
2014
(Unaudited)
 
2015
(Unaudited)
 
2016
(Unaudited)
 
2017
 
 
2013
 
$
250.5

 
$
247.1

 
$
248.3

 
$
249.5

 
$
248.8

 
$
0.2

 
66,918

2014
 
255.0

 
262.9

 
267.1

 
266.1

 
3.4

 
76,771

2015
 
379.4

 
379.8

 
381.1

 
0.2

 
91,674

2016
 
435.7

 
437.1

 
16.6

 
105,405

2017
 
444.6

 
102.8

 
103,965

Total
 
1,777.7

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cumulative Paid Losses and Allocated LAE, Net of Reinsurance and Indemnification
 
 
 
 
 
 
For the Years Ended December 31,
 
 
 
 
Accident Year
 
2013
(Unaudited)
 
2014
(Unaudited)
 
2015
(Unaudited)
 
2016
(Unaudited)
 
2017
 
 
 
 
2013
 
$
117.8

 
$
208.2

 
$
233.8

 
$
244.2

 
$
247.4

 
 
 
 
2014
 
117.4

 
210.8

 
245.5

 
258.4

 
 
 
 
2015
 
167.7

 
304.7

 
359.2

 
 
 
 
2016
 
168.9

 
346.2

 
 
 
 
2017
 
175.4

 
 
 
 
Total
 
1,386.6

 
 
 
 
Outstanding Loss and Allocated LAE Reserves on Accident Years before 2013, Net of Reinsurance
 
1.2

 
 
 
 
Loss and Allocated LAE Reserves, Net of Reinsurance
 
$
392.3

 
 
 
 
 
 
 
 
 
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)
Non-standard Personal Automobile Insurance—Physical Damage1 
DOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMS
 
As of December 31, 2017
 
 
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
 
2013
(Unaudited)
 
2014
(Unaudited)
 
2015
(Unaudited)
 
2016
(Unaudited)
 
2017
 
 
2013
 
$
100.1

 
$
100.3

 
$
100.0

 
$
99.8

 
$
99.7

 
$
(0.1
)
 
36,174

2014
 
105.8

 
104.7

 
104.3

 
104.3

 
(0.5
)
 
38,048

2015
 
143.2

 
143.3

 
143.5

 
(0.4
)
 
42,897

2016
 
177.9

 
181.6

 
(2.3
)
 
50,533

2017
 
203.6

 
6.3

 
55,303

Total
 
732.7

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cumulative Paid Losses and Allocated LAE, Net of Reinsurance and Indemnification
 
 
 
 
 
 
For the Years Ended December 31,
 
 
 
 
Accident Year
 
2013
(Unaudited)
 
2014
(Unaudited)
 
2015
(Unaudited)
 
2016
(Unaudited)
 
2017
 
 
 
 
2013
 
$
93.4

 
$
100.2

 
$
99.9

 
$
99.7

 
$
99.8

 
 
 
 
2014
 
97.1

 
105.9

 
105.1

 
105.1

 
 
 
 
2015
 
130.0

 
143.8

 
143.2

 
 
 
 
2016
 
167.4

 
183.3

 
 
 
 
2017
 
185.2

 
 
 
 
Total
 
716.6

 
 
 
 
Outstanding Loss and Allocated LAE Reserves on Accident Years before 2013, Net of Reinsurance
 
(0.1
)
 
 
 
 
Loss and Allocated LAE Reserves, Net of Reinsurance
 
$
16.0

 
 
 
 
 
 
 
 
 
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, 2017
 
 
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
 
2013
(Unaudited)
 
2014
(Unaudited)
 
2015
(Unaudited)
 
2016
(Unaudited)
 
2017
 
 
2013
 
$
180.8

 
$
172.8

 
$
169.4

 
$
167.5

 
$
167.8

 
$
(0.1
)
 
21,974

2014
 
211.1

 
208.5

 
205.0

 
204.8

 
—

 
22,442

2015
 
178.9

 
164.9

 
163.2

 
(1.2
)
 
17,444

2016
 
200.3

 
201.7

 
(0.7
)
 
17,896

2017
 
261.2

 
17.3

 
17,011

Total
 
998.7

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cumulative Paid Losses and Allocated LAE, Net of Reinsurance
 
 
 
 
 
 
For the Years Ended December 31,
 
 
 
 
Accident Year
 
2013
(Unaudited)
 
2014
(Unaudited)
 
2015
(Unaudited)
 
2016
(Unaudited)
 
2017
 
 
 
 
2013
 
$
122.4

 
$
156.5

 
$
162.5

 
$
164.7

 
$
165.6

 
 
 
 
2014
 
149.2

 
194.4

 
200.1

 
202.8

 
 
 
 
2015
 
116.9

 
154.4

 
158.0

 
 
 
 
2016
 
141.2

 
190.1

 
 
 
 
2017
 
165.8

 
 
 
 
Total
 
882.3

 
 
 
 
Outstanding Loss and Allocated LAE Reserves on Accident Years before 2013, Net of Reinsurance
 
3.7

 
 
 
 
Loss and Allocated LAE Reserves, Net of Reinsurance
 
$
120.1

 
 
 
 
Liability for Unpaid Claims Adjustment Expense by Expense Type
Property and Casualty Insurance Reserve activity for the years ended December 31, 2017, 2016 and 2015 was:
DOLLARS IN MILLIONS
 
2017
 
2016
 
2015
Beginning Property and Casualty Insurance Reserves:
 
 
 
 
 
 
Gross of Reinsurance and Indemnification at Beginning of Year
 
$
931.4

 
$
862.8

 
$
733.9

Less Reinsurance Recoverables and Indemnification at Beginning of Year
 
50.2

 
52.0

 
54.9

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

 
810.8

 
679.0

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

 
—

 
125.4

Incurred Losses and LAE related to:
 
 
 
 
 
 
Current Year:
 
 
 
 
 
 
Continuing Operations
 
1,454.1

 
1,358.6

 
1,123.3

Prior Years:
 
 
 
 
 
 
Continuing Operations
 
20.4

 
(14.4
)
 
(11.5
)
Discontinued Operations
 
(1.5
)
 
(6.3
)
 
(8.6
)
Total Incurred Losses and LAE related to Prior Years
 
18.9

 
(20.7
)
 
(20.1
)
Total Incurred Losses and LAE
 
1,473.0

 
1,337.9

 
1,103.2

Paid Losses and LAE related to:
 
 
 
 
 
 
Current Year:
 
 
 
 
 
 
Continuing Operations
 
868.1

 
831.0

 
723.2

Prior Years:
 
 
 
 
 
 
Continuing Operations
 
518.5

 
431.9

 
366.2

Discontinued Operations
 
3.9

 
4.6

 
7.4

Total Paid Losses and LAE related to Prior Years
 
522.4

 
436.5

 
373.6

Total Paid Losses and LAE
 
1,390.5

 
1,267.5

 
1,096.8

Property and Casualty Insurance Reserves, Net of Reinsurance and Indemnification at End of Year
 
963.7

 
881.2

 
810.8

Plus Reinsurance and Indemnification Recoverables at End of Year
 
53.1

 
50.2

 
52.0

Property and Casualty Insurance Reserves, Gross of Reinsurance and Indemnification at End of Year
 
$
1,016.8

 
$
931.4

 
$
862.8
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, 2017.
DOLLARS IN MILLIONS
 
2017
Property and Casualty Insurance Reserves, Net of Reinsurance:
 
 
Preferred Personal Automobile Insurance—Liability
 
$
229.9

Preferred Personal Automobile Insurance—Physical Damage
 
4.1

Non-standard Personal Automobile Insurance—Liability
 
392.3

Non-standard Personal Automobile Insurance—Physical Damage
 
16.0

Homeowners Insurance
 
120.1

Other
 
120.9

Total
 
883.3

Reinsurance Recoverables on Unpaid Losses and Allocated LAE:
 
 
Preferred Personal Automobile Insurance—Liability
 
32.5

Preferred Personal Automobile Insurance—Physical Damage
 
0.1

Non-standard Personal Automobile Insurance—Liability
 
0.4

Non-standard Personal Automobile Insurance—Physical Damage
 
—

Homeowners Insurance
 
11.3

Other
 
8.8

Total
 
53.1

Insurance Lines other than Short-duration
 
—

Unallocated LAE
 
80.4

Property and Casualty Insurance Reserves, Gross of Reinsurance and Indemnification
 
$
1,016.8