NAIC 2012/2013 Auto Insurance Database Report - National ... [PDF]

Auto Insurance Database Report 2012/2013

2012/2013 Auto Insurance Database Report 2015

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2012/2013 AUTO INSURANCE DATABASE TABLE OF CONTENTS

INTRODUCTION

1

Introduction ................................................................................................................................................................. 1 Terms and Calculations ............................................................................................................................................... 3 AVERAGE PREMIUMS AND EXPENDITURES

5

Table

1.

Liability, 2009–2013 ..................................................................................................................... 19

Table

2.

Collision, 2009–2013 .................................................................................................................... 22

Table

3.

Comprehensive, 2009–2013 .......................................................................................................... 25

Table

4.

Average Expenditure, 2009–2013 ................................................................................................. 28

Table

5.

Combined Average Premium, 2009–2013 .................................................................................... 29

AUTO INSURANCE EARNED AND INCURRED DATA GENERAL INFORMATION

31

Technical Notes ......................................................................................................................................................... 33 State-Specific Information ......................................................................................................................................... 35 BODILY INJURY LIABILITY

37

Table

6.

Bodily Injury Liability - Voluntary Business, 2010–2012 ............................................................ 41

Table

7.

Bodily Injury Liability - Residual Business, 2010–2012 .............................................................. 45

Table

8.

Bodily Injury Liability - Total Business, 2010–2012.................................................................... 49

PROPERTY DAMAGE LIABILITY Table

53

9.

Property Damage Liability - Voluntary Business, 2010–2012 ..................................................... 57

Table 10.

Property Damage Liability - Residual Business, 2010–2012 ........................................................ 61

Table 11.

Property Damage Liability - Total Business, 2010–2012 ............................................................. 65

COMBINED SINGLE LIMITS LIABILITY

69

Table 12.

Combined Single Limits Liability - Voluntary Business, 2010–2012 .......................................... 73

Table 13.

Combined Single Limits Liability - Residual Business, 2010–2012............................................. 81

Table 14.

Combined Single Limits Liability - Total Business, 2010–2012 .................................................. 89

© 2016 National Association of Insurance Commissioners


PERSONAL INJURY PROTECTION

97

Table 15.

Personal Injury Protection - Voluntary Business, 2010–2012 .................................................... 101

Table 16.

Personal Injury Protection - Residual Business, 2010–2012....................................................... 105

Table 17.

Personal Injury Protection - Total Business, 2010–2012 ............................................................ 109

MEDICAL PAYMENTS

113

Table 18.

Medical Payments - Voluntary Business, 2010–2012................................................................. 117

Table 19.

Medical Payments - Residual Business, 2010–2012 ................................................................... 121

Table 20.

Medical Payments - Total Business, 2010–2012 ........................................................................ 125

UNINSURED/UNDERINSURED MOTORIST

129

Table 21.

Uninsured/Underinsured Motorist - Voluntary Business, 2010–2012 ........................................ 133

Table 22.

Uninsured/Underinsured Motorist - Residual Business, 2010–2012 .......................................... 141

Table 23.

Uninsured/Underinsured Motorist - Total Business, 2010–2012 ................................................ 149

TOTAL LIABILITY

157

Table 24.

Total Liability - Voluntary Business, 2010–2012 ....................................................................... 161

Table 25.

Total Liability - Residual Business, 2010–2012 ......................................................................... 164

Table 26.

Total Liability - Total Business, 2010–2012 ............................................................................... 167

COLLISION

171

Table 27.

Collision - Voluntary Business, 2010–2012 ............................................................................... 175

Table 28.

Collision - Residual Business, 2010–2012 .................................................................................. 179

Table 29.

Collision - Total Business, 2010–2012 ....................................................................................... 183

COMPREHENSIVE

187

Table 30.

Comprehensive - Voluntary Business, 2010–2012 ..................................................................... 191

Table 31.

Comprehensive - Residual Business, 2010–2012 ....................................................................... 195

Table 32.

Comprehensive - Total Business, 2010–2012 ............................................................................. 199



TRAFFIC CONDITIONS

203

Table 33.

Fatal Accident Rates, 2010–2012 ............................................................................................... 207

Table 34.

Traffic Density, 2010–2012 ........................................................................................................ 208

CRIME Table 35.

209 Vehicle Thefts, 2010–2012 ......................................................................................................... 213

AUTO REPAIR COSTS Table 36.

215

Average Repair Cost per Claim, 2010–2012 .............................................................................. 219

ECONOMIC / DEMOGRAPHIC DATA

221

Table 37.

Population Densities, 2010–2012................................................................................................ 225

Table 38.

Disposable Income, 2010–2012 .................................................................................................. 226

STATE LAWS

227

Table 39.

Rate Filing Laws, 2010–2012 and Current ................................................................................. 235

Table 40.

Form Filing Laws, 2010–2012 and Current ................................................................................ 237

Table 41.

Tort Laws and Thresholds, 2010–2012 ....................................................................................... 239

Table 42.

Liability Insurance Laws, 2010–2012 ......................................................................................... 240

Table 43.

Personal Injury Protection and Uninsured Motorist Laws, 2010–2012 ...................................... 241

Table 44.

Automobile Seat Belt Laws, 2015 .............................................................................................. 242

Table 45.

Drunk Driving Laws and Speed Limits, 2015 ............................................................................. 243

APPENDIX

245

Appendix 1A.

Land Area and Population........................................................................................................... 247

Appendix 1B.

Vehicles and Vehicle Thefts ....................................................................................................... 248

Appendix 1C.

Vehicle and Roadway Miles ....................................................................................................... 249



INTRODUCTION The cost of personal automobile insurance has attracted considerable attention from regulators and policymakers. To help the states assess their particular insurance markets, the NAIC Property and Casualty Insurance (C) Committee has directed the Casualty Actuarial and Statistical (C) Task Force in the development of this report. A database has been compiled to make information about cost factors in each state readily available to insurance regulators monitoring the market, and to the public. The database includes information related to insurance markets, traffic conditions, medical costs, crime rates, automobile repair costs, economic conditions, and state laws related to automobile insurance. The data used for this report include written premiums and exposures for calendar years 2009– 2013 for the combined voluntary and residual market. Earned and incurred data for calendar/accident years 2010–2012 are also reported, separately, for voluntary and residual market business. Trends are derived from earned premiums, earned exposures, incurred losses, and incurred claims. Definitions of these terms can be found on Page 3. For each state, average premium and average expenditure, pure premium, loss ratio, claim frequency, and claim severity are calculated by coverage. Auto insurance coverages included are bodily injury and property damage liability (including no-fault), uninsured and underinsured motorist coverages, medical payments, collision, and comprehensive. Narratives at the beginning of each section provide information about the type of coverage analyzed, and define the calculations used for the tables in that section. Any state-specific issues regarding the coverage or data are also noted in the narratives.

The insurance data were obtained from the following statistical agents:American Association of Insurance Services (AAIS); Insurance Services Office (ISO); National Independent Statistical Service (NISS); Independent Statistical Service, Inc. (ISS), Massachusetts Commonwealth Automobile Reinsurers (M-CAR); and Maryland Auto Insurance Fund (MAIF). Data were also obtained from the California Department of Insurance and the Texas Department of Insurance. The assistance of these organizations in developing this report is greatly appreciated. There may be data from other small statistical agencies that are not included. Data contained in this report may differ from data contained in reports from previous years, as the statistical agents periodically obtain updated information from insurers. The other sections of this report provide statistics for each state on non-insurance characteristics that would be expected to have some influence on the cost of personal automobile insurance. In reviewing these data and making interstate comparisons, it is important to keep in mind that auto insurance premiums ultimately reflect a complex set of statespecific factors related to the insurers’ claims costs, and that the data in this report by no means represent all such factors. The tables in this report were prepared under the direction of the Casualty Actuarial and Statistical (C) Task Force. Suggestions about how this database might be further improved are welcome. Questions may be referred to Sara Robben, Statistical Advisor, (816) 783-8230. Links to this report and other NAIC reports can be found on the NAIC website at: NAIC Publications.

© 2016 National Association of Insurance Commissioners 1


Terms and Calculations Below are definitions of terms and calculations used in this report. Formulas will vary depending on the application, so readers should note the exact methods used in this report. For example, Average Premium may be defined as Written Premiums / Written Exposures instead of Earned Premiums / Earned Exposures.

Terms Premium: The dollar amount paid for an insurance policy. Exposure: A finite unit of risk related to a specific insurance coverage. In this report, exposures are expressed as car-years. One car-year is the risk associated with insuring one car for one year. Loss: The dollar amount associated with a claim. Claim: A formal request for payment related to an event or situation that is covered under an in-force insurance policy. Written Premiums: The total premium amount of all policies issued during a given time period. Written Exposures: The total number of exposures, in car-years, of all policies issued during a given time period. Calendar Year: Earned premiums and loss transactions occurring with the calendar year beginning Jan. 1, irrespective of the contractual dates of the policies to which the transactions relate and regardless of the dates of the accidents. Calendar/Accident Year: The accumulation of loss data on all accidents with the date of occurrence falling within a given calendar year. The earned premium is the same as in calendar year. Earned Premiums: The portion of the total premium amount corresponding to the coverage provided during a given time period.

Earned Exposures: The portion of the total amount of exposure (risk) corresponding to the coverage provided during a given time period. Incurred Claims: The total number of claims associated with insured events/situations occurring during a given time period. Incurred Losses: The total dollar amount of losses associated with insured events/situations occurring during a given time period. A portion of incurred claims and losses represents insurers’ estimates of the final costs of pending claims that are still open during the reporting period, as well as estimates of losses associated with claims that have yet to be reported (termed Incurred But Not Reported, or IBNR). Voluntary Market: Consists of insurance consumers that insurers select to be provided coverage, using underwriting guidelines that are not unfairly discriminatory. The voluntary market is also called the normal or regular market. Residual Market: Consists of insurance consumers unable to obtain coverage in the voluntary market. Example 1: An auto policy insuring two cars for six months is issued on 9/28/2008, effective 10/1/2008. The cost of the policy is $600. The policyholders decide to change insurers in early 2009 and cancel the policy effective 1/31/2009. The written exposure for this policy is 2 cars × 1/2 year = 1 car-year and is included in calendar year 2008 exposures because the policy was issued in 2008. The written premium is $600 (cost of the policy), and is included in calendar year 2008 premiums.


The policy is in force for three months in 2008 and for one month in 2009. For calendar year 2008, the earned exposure is 2 cars × 1/4 year = 1/2 car-year, and the earned premium is: $600 × 1/2 policy length = $300. The calendar year 2009 earned exposure is: 2 cars × 1/12 year = 1/6 car-year, and the earned premium is: $600 × 1/6 policy length = $100. The remaining $200 of the original premium amount is refunded to the policyholder and counted as -$200 of written premium in calendar year 2009. Example 2: A two-vehicle auto accident occurs 11/23/2008. No one is hurt, but there is minor damage to one car. The incident is reported as a property damage liability claim to the appropriate insurance company 11/27/2008. The cost of car

repairs is $537 and is paid by the insurer on 12/14/2008, minus a $250 deductible. Additional damage from the accident is discovered five months later, costing an additional $1,281, which the insurer pays 6/3/2009. There is one claim resulting from this accident, which is included in accident year 2008 incurred claims. Losses are $537 – $250 + $1,281 = $1,568 and are included in accident year 2008 incurred losses. The discovery of additional damage is not a separate claim because it results from the original accident, so there is only one claim. The accident occurs in 2008, so all associated losses are included in accident year 2008 incurred losses, regardless of when the losses are actually discovered, reported, or paid.

Formulas Liability Average Premium:

Tables 1–5

Liability Written Premiums Liability Written Exposures

Average Expenditure: (Liability Written Premium + Collision Written Premium + Comprehensive Written Premium) Liability Written Exposures Combined Average Premium:

Collision Average Premium: Collision Written Premiums Collision Written Exposures Comprehensive Average Premium:

Liability Average Premium + Collision Average Premium + Comprehensive Average Premium

Comprehensive Written Premiums Comprehensive Written Exposures

Tables 6–35 Pure Premium:

Frequency: Incurred Losses Earned Exposures

Loss Ratio:

Incurred Claims × 100 Earned Exposures Severity:

Incurred Losses × 100 Earned Premiums

Incurred Losses Incurred Claims


Average Premiums and Expenditures



2009–2013 State Average Expenditures and Average Premiums for Personal Automobile Insurance Voluntary and Residual Market Business Combined This section provides state average expenditures and state average annual premium per insured vehicle, for private passenger automobile insurance for the years 2009–2013. These statistics measure the relative cost of automobile insurance to consumers in each state. Results are included for bodily injury and property damage liability (including no-fault), collision, and comprehensive coverages—the basic components of a personal auto insurance policy. Average expenditure per insured vehicle is the total written premium for liability, collision, and comprehensive coverages divided by the liability written car-years1 (exposures). This assumes that all insured vehicles carry liability coverage but do not necessarily carry the physical damage coverages (i.e., collision and/or comprehensive). The average expenditure is an estimate of what consumers in the state spent, on average, for auto insurance. In 2013, the countrywide average expenditure was $841, an increase of 3.27% over the previous year. The median state average expenditure was $768. The state combined average premium per insured vehicle, on the other hand, is calculated by summing

the average premiums for the three coverages. The result is the average cost of an auto insurance policy in the state that contains all three coverages- (i.e., liability, comprehensive, and collision). The countrywide combined average premium increased 2.89% in 2013, to $954. The median state combined average premium was $887. Aggregate written premiums and aggregate written exposures are used in calculations with no distinction as to policyholder classifications, vehicle characteristics, or the selection of specific limits or deductibles, all of which significantly impact the cost of coverage. Nor do the results consider differences in state auto and tort laws, rate filing laws, traffic conditions, or other demographics. CAUTION: Because of these differences, direct comparisons between state results should be treated with a high degree of caution. Tables 1A–1C show state 2009–2013 written premiums, written exposures, and average premiums for liability insurance. Tables 2A–2C and 3A–3C show the same for collision and comprehensive insurance, respectively. State average expenditures are provided in Table 4, and state combined average premiums are displayed in Table 5.

1

A written car-year is equal to 365 days of insurance coverage for a single vehicle and is the standard measure of exposure for automobile insurance.


Factors that Affect State Average Expenditures and Average Premiums Many factors affect the state-to-state differences in average expenditures and premiums for automobile insurance. Some important factors include: • • • • • • • • • • • • • •

Underwriting and loss adjustment expense Types of coverages purchased Relative amounts of coverages purchased Driving locations Accident rates Traffic density Vehicle theft rates Auto repair costs Population density Medical and legal costs Per capita disposable income Rate and form filing laws Liability insurance requirements Auto laws (seat belt, speed limits, etc.)

Insurance rates are developed based primarily on the insurer’s cost of paying claims. Certain broad characteristics of a state contribute to the frequency and severity of auto claims and insurer loss costs in

that state. Many of these cost factors can influence insurance prices, not only between states, but also between communities and neighborhoods—making price comparison between states and within a state extremely complex. It is reasonable to consider that the “general economic conditions” in a state may affect the price of auto insurance, but no direct measure of this characteristic exists. There are measurable variables that can be used as imperfect substitutes for these general conditions to approximate their influence on auto insurance price. Three variables—urban population, miles driven per number of highway miles, and disposable income per capita—are correlated with the state auto insurance premiums. Graphs on the following pages show these variables for each state. The graphs indicate that high-premium states tend to also be highly urban, with higher wage and price levels, and greater traffic density.


Percentage of State Population Living in Metropolitan Areas - 2010 Census AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

67.4% 71.5% 60.3% 92.5% 97.7% 86.3% 91.4% 100.0% 78.0% 94.1% 81.0% 70.1% 56.5% 65.6% 87.0% 78.3% 68.3% 58.2% 74.6% 99.6% 94.6% 58.4% 81.3% 74.9% 74.5% 44.9% 35.2% 70.3% 48.4% 58.7% 62.2% 100.0% 66.6% 90.1% 91.9% 80.6% 64.2% 77.7% 84.1% 100.0% 76.5% 45.3% 73.4% 87.8% 88.6% 86.1% 33.8% 87.7% 72.8% 55.7% 29.7% Source: U.S. Bureau of the Census


Millions of Miles Driven per Mile of Roadway 2012 AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

0.29 0.64 0.33 0.92 1.86 0.53 1.46 2.38 1.44 1.57 0.86 2.28 0.28 0.34 0.72 0.81 0.22 0.60 0.76 1.54 1.74 0.62 0.77 0.41 0.52 0.51 0.16 0.99 0.12 0.21 0.80 1.89 0.37 0.63 1.12 0.91 1.00 0.56 0.83 1.20 0.74 0.11 0.75 0.76 0.58 1.09 0.50 0.68 0.51 0.50 0.33 Source: Federal Highway Administration, 2012 Highway Statistics


2012 Disposable Income Per Capita AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

48,086 32,950 33,074 33,495 41,704 41,153 53,602 59,529 40,069 37,447 33,560 40,417 39,203 31,739 40,557 34,296 39,339 32,438 36,957 49,064 46,554 35,791 34,679 41,571 36,012 30,593 35,157 34,870 49,423 41,111 46,059 48,421 32,685 35,834

Source: U.S. Bureau of Economic Analysis

45,832 36,095 37,749 34,657 40,930 41,415 32,331 41,153 36,276 39,554 32,440 43,705 40,131 43,032 37,968 32,231 46,317

Source: Bureau of Economic Analysis



Annual Rates of Change in Consumer Price Indices, Average Expenditures and Premiums

2009

2010

2011

2012

2013

Cumulative 4-Year Change

Consumer Price Index - All Items*

2.81%

1.44%

3.03%

1.77%

1.53%

7.98%

CPI - Auto Insurance*

4.68%

4.44%

3.42%

4.68%

3.34%

16.84%

CPI - Total Medical Care*

3.35%

3.25%

3.48%

3.20%

2.01%

12.48%

CPI - Auto Maintenance and Repair*

2.53%

1.92%

2.20%

1.25%

1.64%

7.20%

CPI - Legal Service Fees*

3.13%

3.24%

2.69%

1.85%

2.69%

10.89%

CPI - New Vehicles*

5.20%

-0.15%

3.16%

1.55%

0.40%

5.02%

CPI - Used Vehicles*

9.47%

4.52%

4.04%

-1.90%

2.11%

8.92%

Average Expenditure**

-0.51%

0.66%

0.74%

2.12%

3.27%

6.94%

Combined Average Premium**

-0.30%

0.71%

0.42%

1.72%

2.89%

5.83%

Average Liability Premium**

0.66%

1.95%

1.71%

2.22%

2.96%

9.13%

Average Collision Premium**

-1.45%

-1.21%

-1.45%

1.16%

2.50%

0.96%

Average Comprehensive Premium**

-1.14%

0.52%

-0.21%

1.05%

3.45%

4.86%

*U.S. Bureau of Labor Statistics [http//www.bls.gov] ** NAIC

The Consumer Price Index (CPI) for all items measures the cost of a fixed set of consumer goods and services purchased by a set population. Similarly, the CPI for automobile insurance is an index measuring the cost of automobile insurance to consumers over time. The annual rate of change in the average premium and average expenditure will vary from the annual rate of change in the automobile insurance price index. The average premium and average expenditure are affected by changes in insurance prices, as well as the choices

individual consumers make as to the types and amounts of insurance purchased, whereas the insurance price index holds the amount of insurance constant to measure price changes in a uniform product. Between 2009 and 2013, the national average expenditure for automobile insurance increased by 6.94%, while the CPI for all goods increased by 7.98%. Over the same period, the automobile insurance component of the CPI increased by


16.84%. The basic economic law of demand explains the difference between the change in the CPI - Auto Insurance component and that of the measured average expenditure. As the price of insurance (as measured by the CPI) increases, the amount of insurance demanded decreases (i.e., dropping coverage or increasing deductibles), leading to a smaller increase or even a decrease in the average expenditure. The national combined average premium increased by 5.83%, and average liability premiums increased by 9.13% over the 2009–2013 period. Premiums charged for a particular coverage and annual changes in those premiums vary based on the changes in the cost of factors that impact the coverage. Bodily injury liability premiums are affected by medical costs, wage loss costs, litigation costs, etc. Property damage liability and physical damage premiums are affected by the cost of vehicles, auto repairs, auto parts, labor, motor vehicle theft rate, windstorms, hailstorms, etc.

fault” or “add-on” laws.2 Some of the states do not have a compulsory auto insurance law. Minimum required limits for liability vary from state to state, as well as required policy benefits. Some of the states have a much higher uninsured motorist exposure than others. The average vehicle value differs from state to state. It is worth emphasizing that this report reflects how much consumers, on average, are spending for insurance, but it does not provide information on how much insurance the consumers are purchasing for their dollars. Demographics: Automobile premiums tend to be higher in urban areas. Therefore, those states with a higher percentage of population in urban areas will tend to have higher average premiums. In addition, the states that gain population rapidly tend to do so in urban areas. Because the population increase is usually not spread evenly over a state, the increase in average premium from year to year can fluctuate significantly.

Limitations on Comparability of Data Comparisons of average expenditures and average premiums between the states can be misleading. The average expenditure and average premium are imperfect measures of the relative “price” of insurance across the states because the auto insurance product is not homogeneous across states. While these data reflect the average expenditures within a state, it cannot be assumed that the data represent equal exposure and coverage across the states. Policyholder preferences: A state’s average expenditure and average premium will be relatively higher if policyholders in that state tend to purchase higher coverage limits or insure more expensive cars. The type and amount of coverage purchased by an individual is influenced by various factors, both economic and non-economic. Policyholders make choices about coverages, limits, and deductibles that depend on their economic situation, as well as their level of risk aversion, rural or urban driving areas, local weather and traffic conditions, and other factors. Differences in auto insurance requirements, benefit levels, and exposure: Some of the states have tort automobile insurance laws, while others have “no-

2

See State Laws, Page 227.


2009-2013 State Average Expenditures and Average Premiums for Personal Automobile Insurance Technical Notes Average Premium = (Coverage written premiums)/(coverage written exposures)

•

Average Expenditure =

• •

(Total all coverages written premiums)/(liability written exposures)

Combined Average Premium = (Liability average premium + collision average premium + comprehensive average premium)

Coverages Included in Liability Written Premiums The liability written premiums data in these tables are for the combined voluntary and residual market business and include (but are not limited to) the following coverages: • • •

• • • •

• •

•

Bodily Injury Uninsured or Underinsured Motorist Bodily Injury Uninsured/Underinsured Motorist Bodily Injury (Combined – Single Premium) Medical Payments Property Damage Uninsured Motorist or Underinsured Motorist Property Damage Uninsured/Underinsured Motorist Property Damage (Combined – Single Premium) Statutory Uninsured Motorist (New York only) Bodily Injury/Property Damage Liability – Combined Single Limit Single Premium Uninsured or Underinsured Motorist Bodily Injury and Property Damage – Combined Single Limit Single Premium

• • • • •

Uninsured/Underinsured Motorist Bodily Injury and Property Damage – Combined Single Limit/Single Premium Policies Medical Expenses (Virginia only) Package Automobile Policy – Indivisible Liability Premium Voluntary Uninsured/Underinsured Motorist (New York only) All Other Liability Coverages – Voluntary Risks Only Property Protection Insurance (Michigan only) Limited Property Damage Coverage (Michigan only) No Fault or Personal Injury Protection

Data Source Written premium and written exposure data were obtained from AAIS, ISO, ISS, NISS, the California Department of Insurance, the Texas Department of Insurance, MAIF and the MCAR.

Dividends to Policyholders The written premiums for this report do not include adjustments for dividends to policyholders. The actual amount paid by policyholders with participating policies for auto insurance will be affected by dividends paid.

Historical Data Adjustment Written premium and exposure data are for 2013—the most up-to-date information reported as of year-end 2014. Data for prior years were also adjusted to reflect the most current information for each year. Therefore, historical averages in this report might not match those published in prior reports.


Miscellaneous Vehicles Not Included in This Report Written premium data in these tables may differ from a state’s written premium shown in the insurers’ filed financial annual statements. The premium reported in the financial statements Exhibit of Premiums and Losses (Statutory Page 14) include data for the following types of vehicles that are not included in this report: • • • • • • • • • • • • •

Motor Homes Recreational Vehicles Campers Travel Trailers Buggies All-Terrain Vehicles Antique Autos Amphibious Autos Snowmobiles Golf Carts Motorcycles Scooters Mopeds


2009–2013 State Average Expenditures and Combined Average Premiums for Personal Automobile Insurance Additional State Information California The 2012 and 2013 California auto insurance data in these tables is preliminary. The California Department of Insurance performs a rigorous set of tests on the data each year to ensure accuracy. The tests are not completed until after the publication of this report. Any adjustments to California data, based on these tests, will appear in the next edition of this report.

Historically, New Jersey has paid two to four times the national average in dividends to policyholders, and, at times, this has been as high as six times the national average, which would reduce the average expenditure and combined average premium for New Jersey consumers if dividends were included in premium.

District of Columbia

To obtain more geographically specific data, contact the Illinois Department of Insurance.

Minimum limits apply to mandatory financial responsibility, which can be satisfied through means other than insurance. Policies issued or renewed prior to December 22, 2013 at the limits of 12.5/25/7.5, continue to constitute proof of financial responsibility for the remainder of the term of that policy. Financial Limits as of December 22, 2013 are 25/50/25.

Massachusetts

Texas

The District of Columbia is entirely urban. As such, results are not directly comparable to states with rural areas.

Illinois

Data for Massachusetts reflects Safe Driver Plan credits and surcharges for 2009–2013.

Maryland Maryland Automobile Insurance Fund (MAIF) data are included. The statutory purpose of MAIF’s insured program is to provide auto insurance policies to those eligible Maryland residents unable to obtain insurance in the private market. Net premium income and investment income from these policies is available for the payment of claims and MAIF’s administrative expenses. MAIF receives no state general fund appropriations, and the debts or obligations of MAIF are not deemed in any manner to be a department of the state or a pledge of its credit. MAIF is not structured as a residual market mechanism. Instead, it is the insurer of last resort for Maryland residents. See Section 20 of the Insurance Article of the Maryland Ann. Code for more details.

Ohio

The Texas Department of Insurance collects vehicle and policies-in-force information at the end of each calendar quarter for voluntary bodily injury liability, involuntary (residual) bodily injury liability and collision coverages. The average number of vehicles reported for policies in force is used as an approximation for written exposures. Comprehensive exposures are estimated based on the ratio of comprehensive to collision car years for the years of 1991 to 1993. That ratio is approximately 1.073. The estimation of comprehensive car-years affects combined average premium, but the estimate does not affect the calculation of the average expenditure because only liability car-years are used for that calculation.

New Jersey New Jersey is predominately urban. Results are not directly comparable to states with large rural areas.



2012/2013 Auto Insurance Database Report

Table 1A

Average Premiums and Expenditures 2009-2013 Liability Written Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin ` Countrywide

2013

2012

2011

2010

2009

1,330,061,110 1,226,396,160 262,821,952 258,546,568 2,049,099,611 1,944,550,017 782,101,967 759,956,897 11,456,156,914 10,829,857,611 1,807,240,213 1,701,669,942 1,561,297,375 1,527,303,280 490,529,761 470,603,441 149,756,983 147,089,310 10,444,750,115 10,196,031,224 3,408,274,188 3,126,173,452 387,643,144 377,652,896 350,204,743 336,583,138 3,218,302,704 3,169,466,199 1,668,074,029 1,634,375,252 692,534,998 681,778,100 759,145,351 737,738,053 1,631,501,524 1,582,949,067 2,006,573,568 1,895,293,114 322,982,355 320,091,427 2,388,012,956 2,354,810,137 2,461,684,828 2,388,075,018 4,387,646,179 3,816,304,044 1,697,490,480 1,632,319,490 815,747,605 780,312,306 1,631,524,690 1,592,086,097 295,004,906 285,110,969 516,532,369 503,088,997 1,135,615,337 1,064,358,691 352,638,681 344,856,347 4,723,333,943 4,591,739,642 677,098,402 650,280,775 7,319,272,869 7,196,063,115 2,592,790,302 2,571,316,573 172,321,239 161,049,181 3,003,808,659 2,901,616,498 1,161,895,143 1,109,602,626 1,475,784,586 1,387,341,100 4,240,069,562 4,193,681,018 480,758,242 466,921,220 1,723,322,152 1,643,860,833 188,331,720 178,005,934 1,775,762,203 1,692,410,988 8,534,252,126 8,031,453,448 790,271,968 765,236,441 160,033,008 156,657,555 2,554,775,102 2,448,078,676 2,545,125,751 2,419,180,876 662,737,140 650,604,410 1,388,286,168 1,338,664,614 142,535,370 140,245,551 106,773,516,291 102,379,438,318

1,189,805,160 252,083,000 1,856,516,816 751,504,689 10,631,776,439 1,630,464,286 1,487,328,392 454,484,954 144,858,066 9,465,025,510 2,983,440,718 382,134,475 333,311,081 3,170,641,214 1,593,708,335 677,005,331 724,138,082 1,512,896,137 1,845,120,788 315,551,615 2,313,038,206 2,321,070,280 3,411,858,940 1,567,221,598 749,270,008 1,561,880,595 282,681,328 494,262,697 1,029,855,804 339,035,838 4,422,591,840 630,314,781 6,949,599,048 2,549,707,134 149,821,696 2,830,872,267 1,079,662,835 1,326,225,900 4,112,168,342 448,945,424 1,567,541,528 172,442,651 1,622,191,810 7,759,415,192 748,025,524 154,453,785 2,365,432,904 2,357,243,415 644,690,264 1,363,924,114 139,147,249 98,866,388,085

1,179,331,151 250,727,261 1,866,084,931 739,459,811 10,692,635,295 1,626,811,764 1,480,614,231 438,626,287 140,930,338 8,606,338,474 2,928,645,734 381,881,534 333,446,745 3,117,534,817 1,561,568,360 667,489,268 717,033,865 1,440,719,942 1,816,598,184 314,539,196 2,260,254,283 2,191,180,764 3,017,308,076 1,548,840,180 740,443,559 1,562,778,662 286,004,107 487,837,663 1,031,273,309 336,822,021 4,258,686,373 618,904,602 6,693,545,968 2,564,116,790 141,672,788 2,820,791,549 1,040,098,922 1,309,549,674 4,106,306,636 441,552,194 1,520,428,135 169,990,495 1,576,162,299 7,562,499,806 743,950,166 152,369,944 2,332,191,118 2,369,932,608 647,466,977 1,366,662,402 136,878,112 96,337,517,370

1,161,107,727 241,291,865 1,894,632,500 731,959,445 10,531,296,741 1,629,787,032 1,433,000,209 428,641,668 132,600,400 8,193,501,913 2,862,803,573 388,738,820 332,196,202 3,101,779,593 1,524,599,460 652,321,112 704,696,217 1,365,293,446 1,711,889,353 317,588,261 2,186,615,392 2,040,327,600 2,795,585,198 1,518,804,410 741,679,197 1,500,258,627 282,649,244 471,360,316 1,027,225,865 341,767,502 3,921,132,550 616,985,242 6,503,720,365 2,609,485,726 134,779,472 2,769,899,261 989,347,931 1,269,259,294 4,095,689,159 429,870,344 1,500,394,155 168,161,323 1,522,993,140 7,374,122,655 734,781,480 150,535,043 2,295,717,982 2,325,298,154 639,423,173 1,204,927,258 135,541,649 93,638,064,244



Table 1B

Average Premiums and Expenditures 2009-2013 Liability Written Exposures STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide

2013

2012

2011

2010

2009

3,571,246 473,517 4,175,158 2,053,947 24,661,898 3,816,380 2,456,353 626,232 235,951 12,138,958 7,021,594 848,075 1,031,545 7,573,970 4,595,622 2,377,893 2,218,421 3,123,452 2,771,782 967,910 4,005,564 4,176,713 5,910,794 3,842,326 1,875,791 4,088,246 757,806 1,486,125 1,751,990 899,762 5,354,651 1,457,659 9,251,565 7,299,776 606,703 8,020,197 2,617,592 2,621,523 8,526,461 668,154 3,474,726 648,879 4,432,322 16,977,750 1,697,171 465,418 6,143,394 4,469,699 1,308,211 3,915,498 440,824 205,933,194

3,407,747 474,697 4,108,514 2,048,314 24,569,781 3,784,407 2,437,949 620,002 235,593 11,909,149 6,874,323 832,828 1,032,462 7,505,727 4,344,671 2,347,242 2,237,810 3,065,328 2,714,490 963,942 3,962,446 4,126,297 5,774,143 3,808,218 1,837,865 4,081,846 742,933 1,478,244 1,717,507 882,623 5,335,747 1,474,205 9,218,101 7,209,963 590,552 7,994,021 2,592,014 2,629,345 8,468,282 664,654 3,387,334 633,377 4,368,611 16,558,142 1,684,252 460,019 6,097,367 4,421,710 1,293,309 3,860,720 443,078 203,311,901

3,357,715 461,088 4,010,265 2,046,104 24,189,459 3,693,750 2,423,271 609,617 232,389 11,633,579 6,795,677 822,589 1,016,329 7,475,753 4,323,618 2,327,630 2,213,049 3,004,659 2,683,561 961,310 3,920,282 4,101,740 5,685,076 3,755,026 1,791,058 4,052,708 729,110 1,455,511 1,680,466 874,899 5,307,934 1,456,427 9,236,251 7,118,958 574,345 7,922,803 2,594,332 2,614,831 8,449,809 661,579 3,341,432 622,187 4,304,085 16,149,483 1,655,150 459,970 5,992,960 4,353,818 1,288,576 3,825,396 434,199 200,691,813

3,332,443 452,913 3,956,019 2,011,624 24,043,946 3,642,475 2,432,742 603,156 229,542 11,541,245 6,791,365 801,736 1,008,716 7,436,113 4,277,503 2,318,338 2,195,132 3,009,581 2,652,383 961,008 3,904,738 4,052,429 5,427,463 3,745,102 1,764,704 4,038,385 729,076 1,445,536 1,651,346 872,444 5,290,543 1,433,363 9,247,976 7,050,703 565,754 7,883,061 2,541,860 2,623,798 8,436,670 664,217 3,295,200 619,255 4,252,519 15,773,902 1,646,846 457,141 5,949,779 4,352,001 1,283,274 3,766,191 428,843 198,892,099

3,294,983 435,452 3,900,601 1,999,888 23,747,606 3,610,710 2,406,278 596,975 224,493 11,600,227 6,707,528 796,425 1,000,219 7,483,980 4,253,317 2,335,301 2,177,056 2,983,914 2,627,668 949,857 3,884,212 3,861,839 5,498,477 3,710,360 1,774,017 4,003,817 717,847 1,450,008 1,652,114 868,115 5,260,686 1,409,411 9,235,315 7,034,449 562,076 7,842,575 2,522,827 2,603,451 8,390,464 665,122 3,253,441 622,152 4,207,182 15,330,758 1,649,500 445,030 5,904,941 4,238,060 1,274,523 3,649,193 427,283 197,081,723



Table 1C

Average Premiums and Expenditures 2009-2013 Liability Average Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide

2013

2012

2011

2010

2009

372.44 555.04 490.78 380.78 464.53 473.55 635.62 783.30 634.70 860.43 485.40 457.09 339.50 424.92 362.97 291.24 342.20 522.34 723.93 333.69 596.17 589.38 742.31 441.79 434.88 399.08 389.29 347.57 648.19 391.92 882.10 464.51 791.14 355.19 284.03 374.53 443.88 562.95 497.28 719.53 495.96 290.24 400.64 502.67 465.64 343.85 415.86 569.42 506.60 354.56 323.34 518.49

359.88 544.66 473.30 371.02 440.78 449.65 626.47 759.04 624.34 856.15 454.76 453.46 326.00 422.27 376.18 290.46 329.67 516.40 698.21 332.07 594.28 578.75 660.93 428.63 424.58 390.04 383.76 340.33 619.71 390.72 860.56 441.11 780.64 356.63 272.71 362.97 428.09 527.64 495.22 702.50 485.30 281.04 387.40 485.05 454.35 340.55 401.50 547.11 503.05 346.74 316.53 503.56

354.35 546.71 462.94 367.29 439.52 441.41 613.77 745.53 623.34 813.60 439.02 464.55 327.96 424.12 368.61 290.86 327.21 503.52 687.56 328.25 590.02 565.87 600.14 417.37 418.34 385.39 387.71 339.58 612.84 387.51 833.20 432.78 752.43 358.16 260.86 357.31 416.16 507.19 486.66 678.60 469.12 277.16 376.90 480.47 451.94 335.79 394.70 541.42 500.31 356.54 320.47 492.63

353.89 553.59 471.71 367.59 444.71 446.62 608.62 727.22 613.96 745.70 431.23 476.32 330.57 419.24 365.07 287.92 326.65 478.71 684.89 327.30 578.85 540.71 555.93 413.56 419.59 386.98 392.28 337.48 624.50 386.07 804.96 431.78 723.78 363.67 250.41 357.83 409.19 499.10 486.72 664.77 461.41 274.51 370.64 479.43 451.74 333.31 391.98 544.56 504.54 362.88 319.18 484.37

352.39 554.12 485.73 366.00 443.47 451.38 595.53 718.02 590.67 706.32 426.80 488.10 332.12 414.46 358.45 279.33 323.69 457.55 651.49 334.35 562.95 528.33 508.43 409.34 418.08 374.71 393.75 325.07 621.76 393.69 745.37 437.76 704.22 370.96 239.79 353.19 392.16 487.53 488.14 646.30 461.17 270.29 362.00 481.00 445.46 338.26 388.78 548.67 501.70 330.19 317.22 475.12



Table 2A

Average Premiums and Expenditures 2009-2013 Collision Written Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide

2013

2012

2011

2010

2009

704,499,674 108,893,606 762,900,219 404,348,654 6,121,583,844 698,881,755 653,427,583 141,534,975 84,961,862 2,354,698,470 1,467,966,923 176,845,948 139,720,476 1,676,743,463 779,237,573 354,256,796 364,090,427 503,960,063 755,290,171 176,620,432 1,040,602,718 1,260,526,051 1,610,498,131 608,606,381 377,383,956 750,560,718 118,852,281 219,697,706 355,571,754 220,265,314 1,470,579,520 227,962,323 2,444,052,595 1,296,721,426 94,847,242 1,529,550,894 499,028,841 393,664,090 1,993,033,866 172,438,995 599,538,781 85,825,428 895,940,458 4,177,694,650 312,204,285 98,741,633 1,214,494,048 825,455,728 274,892,557 626,363,205 73,121,688 44,299,180,177

675,812,300 107,534,247 714,521,209 390,840,354 5,839,472,581 674,035,990 622,170,477 135,231,050 81,108,304 2,204,543,452 1,431,065,165 170,548,883 137,954,619 1,627,204,099 748,794,535 341,059,063 355,887,078 481,731,261 718,699,131 169,264,544 999,512,643 1,178,720,989 1,566,215,531 582,965,684 358,982,192 733,169,759 111,816,593 213,044,895 349,202,222 205,162,059 1,424,622,068 226,671,081 2,347,371,843 1,205,359,785 85,424,100 1,466,550,841 489,372,954 381,201,059 1,930,838,064 163,300,525 571,146,557 81,204,549 845,191,435 3,890,607,645 302,749,144 94,686,067 1,154,547,129 791,145,463 266,150,303 590,853,420 74,335,955 42,309,600,896

677,755,963 103,637,642 703,273,918 380,936,674 5,586,536,761 653,702,329 613,011,132 131,886,161 77,418,260 2,173,693,063 1,424,136,532 169,015,152 135,052,414 1,583,495,107 725,431,956 328,309,035 351,461,013 466,645,996 731,111,779 167,598,866 977,372,419 1,102,080,643 1,517,115,510 549,679,058 349,175,990 714,404,914 106,102,492 202,418,091 347,124,884 197,196,100 1,386,533,354 228,327,610 2,272,137,507 1,127,377,196 78,387,216 1,401,663,801 474,845,922 380,853,847 1,901,383,199 158,102,147 557,429,630 77,254,762 791,477,806 3,682,328,798 301,704,523 92,998,477 1,121,217,961 780,510,453 256,361,593 572,991,053 74,083,111 40,964,749,820

678,164,620 105,466,827 738,357,791 371,344,613 5,555,365,237 651,315,731 615,875,803 131,561,831 77,011,956 2,297,068,537 1,444,022,972 167,775,167 142,606,923 1,654,366,891 743,580,714 324,856,816 355,125,733 476,314,598 748,548,093 171,963,890 981,643,281 1,006,433,462 1,512,111,216 555,946,259 354,630,992 712,434,877 106,130,222 197,320,687 351,576,344 198,292,740 1,356,104,438 236,409,751 2,250,702,054 1,082,620,330 72,195,953 1,390,362,618 463,618,327 403,158,708 1,904,146,685 156,401,134 548,715,773 73,285,354 771,945,183 3,719,060,976 306,949,795 92,171,762 1,114,241,256 796,262,473 248,698,607 582,968,914 73,064,619 41,070,299,533

684,124,553 102,615,303 792,649,288 369,663,913 5,708,269,911 666,759,243 608,417,628 130,702,804 75,934,428 2,420,548,651 1,487,633,273 171,852,829 144,800,142 1,664,947,811 743,532,757 319,085,219 356,962,661 472,651,952 767,363,304 175,889,997 973,211,464 906,027,122 1,556,121,968 558,808,242 355,419,667 723,625,548 103,784,055 196,648,729 377,742,779 200,361,316 1,334,475,267 241,839,232 2,208,541,303 1,106,369,975 68,258,431 1,402,009,885 457,716,739 423,366,077 1,885,128,774 158,852,454 549,211,531 71,889,990 775,328,458 3,785,521,019 318,442,434 93,638,020 1,100,687,573 798,714,229 241,074,443 586,034,631 74,741,530 41,497,998,552



Table 2B

Average Premiums and Expenditures 2009-2013 Collision Written Exposures STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide

2013

2012

2011

2010

2009

2,409,374 301,290 2,993,511 1,339,333 16,945,860 2,736,849 1,882,709 485,264 188,140 9,710,975 4,685,761 605,862 688,221 6,031,224 3,400,322 1,726,823 1,472,197 1,980,557 1,986,232 718,416 3,173,670 3,490,586 4,266,751 2,897,952 1,261,003 2,919,448 463,125 995,307 1,248,544 788,475 4,042,263 870,301 6,890,597 4,929,403 415,296 6,090,617 1,720,306 1,903,811 6,610,606 463,360 2,468,714 427,351 3,068,206 11,690,061 1,256,914 362,658 4,608,313 3,389,920 860,421 3,015,539 281,071 149,159,509

2,349,952 293,874 2,908,859 1,322,428 16,732,753 2,670,494 1,861,485 472,731 185,526 9,399,742 4,526,757 589,604 670,843 5,947,397 3,188,119 1,689,580 1,457,946 1,942,870 1,930,938 702,343 3,130,311 3,432,162 4,250,140 2,842,134 1,230,268 2,896,509 452,158 975,940 1,204,463 771,854 3,997,642 864,975 6,784,787 4,845,110 394,352 6,015,828 1,688,650 1,873,054 6,515,760 457,275 2,386,728 414,650 3,009,706 11,267,666 1,221,764 351,245 4,545,136 3,278,407 849,160 2,948,829 278,218 146,019,122

2,306,568 285,177 2,824,328 1,310,223 16,367,710 2,602,956 1,831,868 466,652 181,124 9,184,232 4,444,333 576,610 654,592 5,888,414 3,131,973 1,654,209 1,436,560 1,901,011 1,892,563 689,480 3,073,906 3,400,095 4,138,111 2,779,723 1,193,545 2,860,609 440,532 956,491 1,168,206 751,130 3,936,520 850,957 6,678,553 4,734,555 376,415 5,936,833 1,662,027 1,838,267 6,418,548 448,949 2,328,297 404,823 2,943,428 10,873,017 1,189,100 344,933 4,454,259 3,213,956 837,953 2,888,295 271,707 143,024,323

2,282,193 284,743 2,801,627 1,285,010 16,271,741 2,561,818 1,833,787 461,085 177,677 9,012,291 4,396,098 561,768 653,311 5,840,036 3,072,623 1,639,241 1,435,454 1,901,332 1,878,121 685,116 3,057,453 3,331,303 3,961,395 2,753,147 1,176,588 2,850,334 442,018 944,260 1,145,215 741,202 3,902,232 842,027 6,611,325 4,660,334 364,287 5,870,280 1,632,964 1,860,993 6,360,525 444,992 2,283,495 398,688 2,905,213 10,620,393 1,175,890 341,169 4,398,563 3,238,977 831,470 2,862,355 272,678 141,316,837

2,267,704 276,766 2,801,814 1,289,527 16,300,592 2,551,763 1,827,097 461,120 176,774 9,033,866 4,392,967 563,229 653,492 5,887,957 3,089,610 1,726,322 1,441,456 1,878,234 1,882,779 690,146 3,057,125 3,182,647 4,049,514 2,733,481 1,188,247 2,841,467 431,404 941,541 1,171,294 739,708 3,898,988 841,751 6,596,274 4,631,374 356,068 5,870,358 1,634,158 1,859,011 6,348,015 446,292 2,261,038 392,754 2,872,647 10,492,707 1,191,424 339,649 4,368,168 3,175,745 826,568 2,856,675 274,187 141,063,494



Table 2C

Average Premiums and Expenditures 2009-2013 Collision Average Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide

2013

2012

2011

2010

2009

292.40 361.42 254.85 301.90 361.24 255.36 347.07 291.67 451.59 242.48 313.28 291.89 203.02 278.01 229.17 205.15 247.31 254.45 380.26 245.85 327.89 361.12 377.45 210.01 299.27 257.09 256.63 220.73 284.79 279.36 363.80 261.94 354.69 263.06 228.38 251.13 290.08 206.78 301.49 372.15 242.85 200.83 292.01 357.37 248.39 272.27 263.54 243.50 319.49 207.71 260.15 296.99

287.59 365.92 245.64 295.55 348.98 252.40 334.23 286.06 437.18 234.53 316.13 289.26 205.64 273.60 234.87 201.86 244.10 247.95 372.20 241.00 319.30 343.43 368.51 205.12 291.79 253.12 247.30 218.30 289.92 265.80 356.37 262.06 345.98 248.78 216.62 243.78 289.80 203.52 296.33 357.12 239.30 195.84 280.82 345.29 247.80 269.57 254.02 241.32 313.43 200.37 267.19 289.75

293.84 363.42 249.01 290.74 341.31 251.14 334.64 282.62 427.43 236.68 320.44 293.12 206.32 268.92 231.62 198.47 244.65 245.47 386.31 243.08 317.96 324.13 366.62 197.75 292.55 249.74 240.85 211.63 297.14 262.53 352.22 268.32 340.21 238.12 208.25 236.10 285.70 207.18 296.23 352.16 239.42 190.84 268.90 338.67 253.73 269.61 251.72 242.85 305.94 198.38 272.66 286.42

297.15 370.39 263.55 288.98 341.41 254.24 335.85 285.33 433.44 254.88 328.48 298.66 218.28 283.28 242.00 198.18 247.40 250.52 398.56 251.00 321.07 302.11 381.71 201.93 301.41 249.95 240.10 208.97 307.00 267.53 347.52 280.76 340.43 232.31 198.18 236.85 283.91 216.64 299.37 351.47 240.30 183.82 265.71 350.18 261.04 270.16 253.32 245.84 299.11 203.67 267.95 290.63

301.68 370.77 282.91 286.67 350.19 261.29 333.00 283.45 429.56 267.94 338.64 305.12 221.58 282.77 240.66 184.84 247.64 251.65 407.57 254.86 318.34 284.68 384.27 204.43 299.11 254.67 240.57 208.86 322.50 270.87 342.26 287.30 334.82 238.89 191.70 238.83 280.09 227.74 296.96 355.94 242.90 183.04 269.90 360.78 267.28 275.69 251.98 251.50 291.66 205.15 272.59 294.18



Table 3A

Average Premiums and Expenditures 2009-2013 Comprehensive Written Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide

2013

2012

2011

2010

2009

370,702,308 49,374,470 575,944,275 257,565,382 1,723,326,929 462,021,825 269,316,415 57,494,758 45,470,802 1,085,471,188 745,140,775 62,461,512 80,906,354 745,659,026 409,850,840 313,697,168 360,740,849 278,355,496 415,390,141 74,197,325 493,956,573 487,824,954 689,310,695 554,555,805 247,854,570 496,937,918 100,375,815 213,020,252 148,503,123 86,637,707 521,332,380 148,328,676 1,170,761,804 671,071,086 99,633,499 754,939,441 350,028,465 184,408,750 941,223,772 59,220,397 437,465,551 102,834,739 449,537,924 2,490,612,852 142,480,846 46,379,749 646,130,088 376,380,641 185,923,988 417,072,898 66,343,519 22,164,176,315

343,699,070 48,402,061 552,579,623 240,943,549 1,704,508,561 416,988,248 256,135,507 54,694,585 43,891,245 1,036,601,104 724,565,499 64,076,286 77,377,841 694,326,955 386,001,499 294,582,631 320,824,789 264,058,309 405,971,334 72,339,701 474,538,615 463,159,667 673,824,014 521,321,222 236,237,378 465,976,881 92,235,232 195,611,325 142,190,412 82,954,503 493,063,670 147,749,360 1,089,287,820 629,920,880 93,731,756 707,332,213 319,403,245 181,137,755 885,125,568 57,371,572 400,504,916 93,268,773 406,414,113 2,293,794,906 133,229,000 44,666,114 615,559,857 369,297,984 178,341,704 382,428,082 61,765,600 20,934,012,534

326,280,639 46,857,619 554,403,396 229,210,472 1,694,070,482 388,679,684 248,803,351 52,524,364 42,514,169 1,048,604,864 716,788,330 64,515,911 75,479,269 683,226,700 367,473,637 278,890,309 309,584,181 257,520,115 404,199,089 71,894,059 457,918,658 441,177,640 662,998,990 496,580,794 227,182,996 457,691,060 88,461,706 180,102,687 143,690,759 81,345,413 487,338,243 148,825,504 1,042,242,141 594,606,361 87,525,660 677,442,179 303,577,616 185,338,235 854,349,445 57,255,639 375,296,403 85,343,205 383,915,192 2,165,422,191 129,966,018 43,942,516 586,190,788 371,531,157 173,673,400 359,207,487 55,920,762 20,267,581,485

312,650,919 47,056,836 580,037,637 221,773,332 1,692,472,111 382,411,592 251,651,822 51,653,045 42,327,706 1,069,004,904 713,292,862 64,336,279 76,753,188 682,127,641 365,149,497 274,826,341 300,166,362 257,995,158 409,349,857 73,079,830 458,759,989 412,423,731 652,449,972 490,878,117 219,925,670 462,930,491 87,171,909 171,412,406 153,612,320 81,039,837 507,962,280 153,262,447 1,033,243,015 582,965,121 85,305,097 672,038,709 283,293,342 188,166,646 841,365,874 56,266,198 361,946,651 81,934,558 378,491,170 2,096,515,218 129,835,304 43,508,786 562,071,267 381,940,022 169,084,561 360,595,671 56,431,684 20,084,944,982

303,320,710 46,582,015 597,824,090 212,559,911 1,717,433,647 380,005,136 250,226,616 50,420,248 44,631,053 1,058,154,594 711,120,110 65,664,024 77,927,329 680,255,757 370,247,022 268,551,520 292,825,331 247,353,576 411,408,284 74,415,964 448,284,438 376,710,710 669,934,188 490,258,894 211,723,049 451,819,942 84,193,136 166,127,454 154,888,146 80,799,059 534,615,664 153,072,684 1,057,062,754 573,783,970 83,465,745 661,681,027 262,671,831 189,290,784 825,084,580 55,796,161 350,590,511 78,782,043 370,054,236 2,031,198,433 129,932,574 43,222,456 545,176,078 379,131,330 158,240,059 364,024,564 56,385,193 19,898,928,630



Table 3B

Average Premiums and Expenditures 2009-2013 Comprehensive Written Exposures STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide

2013

2012

2011

2010

2009

2,523,263 348,484 3,184,065 1,388,870 17,644,534 2,916,864 2,131,617 512,379 197,534 10,160,290 4,946,237 656,243 748,727 6,409,165 3,648,023 1,826,942 1,510,961 2,171,299 2,040,979 777,731 3,353,585 3,753,242 4,772,048 3,227,859 1,297,830 3,037,081 504,872 1,037,197 1,293,953 849,202 4,260,139 913,425 7,521,706 5,558,696 440,750 6,679,781 1,772,746 2,131,177 7,146,156 498,223 2,644,736 452,022 3,287,681 12,543,435 1,332,681 390,732 4,970,300 3,722,261 952,073 3,271,457 300,251 159,661,504

2,444,552 338,560 3,053,384 1,365,076 17,362,365 2,823,491 2,106,845 504,135 192,530 9,811,334 4,793,405 631,838 719,470 6,279,983 3,406,760 1,790,573 1,513,728 2,127,643 1,983,374 764,718 3,312,976 3,679,322 4,728,505 3,131,252 1,266,126 2,987,479 483,866 1,015,857 1,242,371 835,913 4,191,430 906,300 7,393,724 5,474,658 415,812 6,592,162 1,726,370 2,084,015 7,122,102 492,840 2,563,726 435,686 3,217,613 12,090,206 1,291,232 383,561 4,890,500 3,599,074 942,617 3,195,285 290,760 155,997,104

2,395,807 326,862 2,958,688 1,339,648 16,956,686 2,718,981 2,077,252 493,414 187,934 9,547,473 4,683,901 618,705 700,883 6,211,353 3,336,668 1,746,687 1,484,383 2,085,374 1,946,236 790,500 3,250,355 3,642,149 4,608,002 3,064,159 1,229,387 2,950,271 471,425 995,031 1,198,545 842,772 4,126,649 881,946 7,231,213 5,317,189 398,506 6,500,688 1,689,989 2,054,508 7,027,377 484,363 2,516,045 424,159 3,146,167 11,666,747 1,253,450 396,809 4,784,126 3,519,876 932,120 3,121,739 282,414 152,615,611

2,366,069 322,323 2,927,237 1,340,719 16,864,775 2,671,086 2,071,961 486,996 184,162 9,356,615 4,623,083 605,842 697,324 6,148,442 3,347,214 1,733,555 1,473,338 2,088,598 1,936,045 791,572 3,233,444 3,584,085 4,420,368 3,040,101 1,216,059 2,937,600 469,820 982,046 1,192,906 842,017 4,097,837 872,035 7,200,968 5,247,504 386,174 6,433,507 1,657,251 2,057,484 6,983,074 481,182 2,446,220 419,000 3,105,141 11,395,682 1,235,766 397,241 4,719,260 3,522,447 926,302 3,097,006 282,691 150,919,174

2,341,827 315,036 2,921,714 1,344,005 16,861,286 2,655,597 2,062,485 484,071 182,393 9,318,158 4,617,542 607,025 694,329 6,179,553 3,320,511 1,722,585 1,478,125 2,067,486 1,938,884 794,027 3,207,171 3,421,614 4,466,686 3,017,705 1,225,771 2,933,727 458,760 978,874 1,200,040 841,053 4,101,814 870,769 7,209,979 5,263,348 381,352 6,423,742 1,649,648 2,050,782 6,952,212 483,601 2,422,446 415,523 3,075,307 11,258,675 1,242,373 395,781 4,709,238 3,440,564 922,786 3,091,271 283,650 150,302,901



Table 3C

Average Premiums and Expenditures 2009-2013 Comprehensive Average Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide

2013

2012

2011

2010

2009

146.91 141.68 180.88 185.45 97.67 158.40 126.34 112.21 230.19 106.83 150.65 95.18 108.06 116.34 112.35 171.71 238.75 128.20 203.52 95.40 147.29 129.97 144.45 171.80 190.98 163.62 198.81 205.38 114.77 102.02 122.37 162.39 155.65 120.72 226.05 113.02 197.45 86.53 131.71 118.86 165.41 227.50 136.73 198.56 106.91 118.70 130.00 101.12 195.28 127.49 220.96 138.82

140.60 142.96 180.97 176.51 98.17 147.69 121.57 108.49 227.97 105.65 151.16 101.41 107.55 110.56 113.30 164.52 211.94 124.11 204.69 94.60 143.24 125.88 142.50 166.49 186.58 155.98 190.62 192.56 114.45 99.24 117.64 163.02 147.33 115.06 225.42 107.30 185.01 86.92 124.28 116.41 156.22 214.07 126.31 189.72 103.18 116.45 125.87 102.61 189.20 119.69 212.43 134.19

136.19 143.36 187.38 171.10 99.91 142.95 119.78 106.45 226.22 109.83 153.03 104.28 107.69 110.00 110.13 159.67 208.56 123.49 207.68 90.95 140.88 121.13 143.88 162.06 184.79 155.14 187.65 181.00 119.89 96.52 118.10 168.75 144.13 111.83 219.63 104.21 179.63 90.21 121.57 118.21 149.16 201.21 122.03 185.61 103.69 110.74 122.53 105.55 186.32 115.07 198.01 132.80

132.14 145.99 198.15 165.41 100.36 143.17 121.46 106.06 229.84 114.25 154.29 106.19 110.07 110.94 109.09 158.53 203.73 123.53 211.44 92.32 141.88 115.07 147.60 161.47 180.85 157.59 185.54 174.55 128.77 96.24 123.96 175.75 143.49 111.09 220.90 104.46 170.94 91.45 120.49 116.93 147.96 195.55 121.89 183.97 105.06 109.53 119.10 108.43 182.54 116.43 199.62 133.08

129.52 147.86 204.61 158.15 101.86 143.10 121.32 104.16 244.70 113.56 154.00 108.17 112.23 110.08 111.50 155.90 198.11 119.64 212.19 93.72 139.78 110.10 149.98 162.46 172.73 154.01 183.52 169.71 129.07 96.07 130.34 175.79 146.61 109.02 218.87 103.01 159.23 92.30 118.68 115.38 144.73 189.60 120.33 180.41 104.58 109.21 115.77 110.19 171.48 117.76 198.78 132.39



Table 4

Average Premiums and Expenditures 2009-2013 Average Expenditure STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide

2013

2012

2011

2010

2009

673.51 889.28 811.45 703.04 782.63 777.74 1,011.27 1,101.12 1,187.49 1,143.83 800.58 739.26 553.38 744.75 621.71 572.14 668.93 772.80 1,146.29 592.82 979.28 1,007.98 1,131.40 744.51 768.20 704.22 678.58 638.74 935.90 733.02 1,254.10 722.66 1,181.86 624.76 604.58 659.37 768.25 783.46 841.42 1,066.25 794.40 580.99 704.20 895.44 733.55 655.66 718.72 838.30 858.85 621.05 639.71 841.23

659.06 873.15 781.71 679.46 747.82 737.95 986.73 1,065.37 1,154.91 1,128.31 768.34 735.18 534.56 731.57 637.37 561.26 632.07 759.70 1,112.53 582.71 966.29 976.65 1,048.87 718.61 748.44 683.82 658.42 616.78 905.82 717.15 1,219.97 695.09 1,153.46 611.18 576.08 634.91 740.11 741.51 827.75 1,034.51 772.14 556.51 673.90 858.54 713.20 643.47 691.80 809.56 846.74 598.84 623.70 814.63

653.37 873.11 776.56 665.49 740.50 723.61 969.41 1,048.03 1,139.43 1,090.58 754.06 748.45 535.11 727.33 621.38 551.72 625.92 744.53 1,110.63 577.38 956.14 942.12 983.62 696.00 740.14 674.60 654.56 602.39 904.91 705.88 1,186.24 691.74 1,111.27 600.04 549.73 619.73 716.21 723.72 812.79 1,004.12 748.26 538.49 649.98 842.58 712.74 633.51 679.60 806.02 834.04 600.23 619.88 797.73

651.22 890.35 804.97 662.44 746.15 730.42 965.22 1,030.98 1,133.87 1,037.36 748.89 765.83 548.03 733.45 624.27 546.59 625.17 722.70 1,121.44 582.29 947.74 890.83 954.75 693.08 745.17 678.03 657.42 592.56 930.43 706.24 1,157.30 703.64 1,078.88 599.90 528.81 619.45 703.03 724.47 812.15 984.95 737.77 525.16 641.17 848.11 716.97 630.11 673.72 815.29 830.10 613.41 621.15 791.85

652.07 896.74 842.21 657.13 756.16 741.28 952.36 1,021.42 1,127.72 1,006.20 754.61 786.33 554.80 727.82 620.31 530.96 622.16 698.85 1,100.09 597.87 928.92 860.49 913.28 692.08 737.77 668.29 655.61 575.26 944.16 717.56 1,100.66 717.96 1,057.82 609.80 509.72 616.33 677.71 722.85 811.15 969.02 737.74 512.47 634.24 860.42 717.28 645.79 667.51 826.59 815.00 590.54 624.10 786.65



Table 5

Average Premiums and Expenditures 2009-2013 Combined Average Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide

2013

2012

2011

2010

2009

811.75 1,058.15 926.52 868.13 923.44 887.31 1,109.03 1,187.18 1,316.48 1,209.74 949.33 844.16 650.57 819.27 704.48 668.09 828.26 904.99 1,307.72 674.94 1,071.35 1,080.48 1,264.21 823.60 925.13 819.79 844.73 773.68 1,047.74 773.30 1,368.27 888.83 1,301.48 738.97 738.47 738.68 931.41 856.26 930.48 1,210.54 904.22 718.57 829.38 1,058.60 820.94 734.82 809.40 914.04 1,021.37 689.76 804.45 954.30

788.07 1,053.54 899.91 843.07 887.94 849.74 1,082.28 1,153.59 1,289.49 1,196.34 922.05 844.13 639.19 806.43 724.35 656.84 785.71 888.46 1,275.10 667.66 1,056.82 1,048.06 1,171.94 800.24 902.95 799.14 821.68 751.18 1,024.09 755.76 1,334.56 866.19 1,273.95 720.47 714.75 714.05 902.90 818.07 915.83 1,176.03 880.82 690.95 794.53 1,020.06 805.32 726.57 781.38 891.04 1,005.68 666.79 796.14 927.51

784.38 1,053.48 899.33 829.13 880.74 835.50 1,068.18 1,134.60 1,276.99 1,160.10 912.49 861.95 641.96 803.04 710.36 648.99 780.43 872.48 1,281.55 662.28 1,048.86 1,011.14 1,110.64 777.17 895.69 790.27 816.21 732.21 1,029.87 746.57 1,303.52 869.85 1,236.77 708.10 688.74 697.61 881.50 804.59 904.47 1,148.97 857.70 669.20 767.82 1,004.75 809.35 716.14 768.95 889.82 992.57 669.99 791.14 911.85

783.19 1,069.97 933.41 821.99 886.48 844.03 1,065.92 1,118.61 1,277.24 1,114.84 914.00 881.17 658.92 813.47 716.16 644.63 777.78 852.75 1,294.89 670.62 1,041.79 957.89 1,085.25 776.96 901.84 794.52 817.93 720.99 1,060.27 749.84 1,276.44 888.30 1,207.70 707.07 669.50 699.14 864.04 807.20 906.58 1,133.17 849.67 653.87 758.24 1,013.59 817.84 713.00 764.40 898.83 986.19 682.98 786.76 908.08

783.59 1,072.75 973.25 810.82 895.51 855.77 1,049.85 1,105.63 1,264.92 1,087.82 919.45 901.40 665.94 807.31 710.61 620.07 769.44 828.84 1,271.24 682.93 1,021.07 923.11 1,042.69 776.23 889.92 783.38 817.84 703.65 1,073.33 760.62 1,217.96 900.86 1,185.65 718.86 650.36 695.02 831.48 807.57 903.78 1,117.62 848.80 642.93 752.23 1,022.19 817.32 723.16 756.53 910.37 964.83 653.09 788.60 901.69



Auto Insurance Earned and Incurred Data General Information



2010–2012 Auto Insurance Earned and Incurred Data Technical Notes (General) Voluntary Market Business and Residual Market Business Data Sources For voluntary and residual market tables, earned premiums, earned exposures, incurred losses, and incurred claims, data were obtained from AAIS, ISO, NISS, ISS, the California Department of Insurance, the Texas Department of Insurance, MAIF, and M-CAR. Data Tables Data and results are shown for voluntary market, residual market and for the combined (total) business. Except: North Carolina—Voluntary market and residual market data are combined in the voluntary market tables. Texas—Earned exposures and incurred claims are not available. Calculations—Loss Results Pure Premium=(Incurred Losses/Earned Exposures) Loss Ratio=[(Incurred Losses/Earned Premiums) × 100] Frequency=[(Incurred Claims/Earned Exposures) × 100] Severity=(Incurred Losses/Incurred Claims) Claim Counting (This comment only applies to results derived from claim counts; i.e., frequency and severity.) When reporting loss data to statistical agents or the states, some insurers count claims on a “per-accident” basis, while others count claims on a “per-claimant” basis. The percentage of claims filed each way has not been determined for this report. Unless there are changes with the way an insurer reports claims over the reporting period, or the relative market shares of individual companies shift significantly, the difference

in claim reporting should not bias the data within a state, but direct comparisons between state results could be misleading. Countrywide Totals Texas earned exposures and incurred claims are not available. Therefore, Texas pure premium, frequency and severity could not be calculated. For each table, two “Countrywide Total” lines are shown: 1) The total of all states including Texas, where available; and 2) The total of all states except Texas. Data Reporting Basis Liability data are reported on a calendar/ accident year basis, where earned premiums reported are for the calendar year, and incurred losses are reported for accidents that occurred within that calendar year regardless of when losses are paid or when the policy was effective/issued. Physical damage data are reported on a calendar year basis, where all earned premium and incurred losses reported are for the calendar year. Except: California—Physical damage losses are reported on an accident year basis. Limits Losses are reported at total limits. Loss Adjustment Expenses Incurred losses include loss, and allocated and unallocated loss adjustment expenses (ALAE and ULAE). Except: AAIS—Collision and comprehensive loss data exclude ALAE. California, Massachusetts, and Texas—Incurred losses exclude ULAE.


Loss Development Incurred loss data are developed to 63 months for: • Bodily injury liability • Personal injury protection (PIP) • Combined single limit—bodily injury component • Uninsured/underinsured motorist— bodily injury component Except: ISO—Bodily injury liability incurred losses are developed to 87 months. California—Bodily injury liability and uninsured/underinsured motorist incurred losses are developed to 39 months. Incurred loss data have been developed to 39 months for: • Property damage liability • Medical payments • Combined single limit—property damage liability component • Uninsured/underinsured motorist— property damage component • Other liability (not shown separately)

Physical damage (collision and comprehensive) coverage incurred losses are not developed. Except: Texas—Other liability incurred losses are developed to 63 months, and collision and comprehensive incurred losses are developed to 27 months. California—collision and comprehensive incurred losses are developed to 27 months. Data Not Available – n/a The lack of availability of data for Texas is denoted by “n/a” (i.e., Texas exposures). When data for Texas is not available, any calculations involving this data will also be denoted by “n/a” (i.e., Texas frequency; countrywide claims including Texas). Dash (-) Calculations in which the denominator is zero are denoted by a dash (-).


2010–2012 Auto Insurance Earned and Incurred Data State-Specific Information (General) Voluntary Market Business and Residual Market Business California The 2012 California auto insurance data in these tables is preliminary. The California Department of Insurance performs a rigorous set of tests on the data each year to ensure accuracy. The tests are not completed until after the publication of this report. Any adjustments to California data, based on these tests, will appear in the next edition of this report. District of Columbia The District of Columbia is entirely urban. Loss results are not directly comparable to states with rural areas. Illinois To obtain more geographically specific data, contact the Illinois Department of Insurance. Maryland Maryland Automobile Insurance Fund (MAIF) data are included. The statutory purpose of MAIF’s insured program is to provide auto insurance policies to those eligible Maryland residents unable to obtain insurance in the private market. Net premium income and investment income from these policies is available for the payment of claims and MAIF’s administrative expenses. MAIF receives no state general fund appropriations, and the debts or obligations of MAIF are not deemed in any manner to be a department of the state or a pledge of its credit. MAIF is not structured as a residual market mechanism. Instead, it is the insurer of last resort for Maryland residents. See Section 20 of the Insurance Article of the Maryland Ann. Code for more details.

Massachusetts Data for Massachusetts reflect Safe Driver Plan credits and surcharges for 2010–2012. New Jersey New Jersey is predominately urban. Results are not directly comparable to states with large rural areas. Historically, New Jersey has paid two to four times the national average in dividends to policyholders and, at times, this has been as high as six times the national average, which would reduce the average expenditure and combined average premium for New Jersey consumers if dividends were included in premium. North Carolina North Carolina voluntary market data contain the residual market data, including all business written by designated agents. Texas The Texas Department of Insurance collects vehicle and policies-in-force information at the end of each calendar quarter for voluntary bodily injury liability, involuntary (residual) bodily injury liability and collision coverages. The average number of vehicles reported for policies in force is used as an approximation for written exposures.



Bodily Injury Liability



Bodily Injury Liability All of the states require drivers operating a motor vehicle to be financially responsible for accidents up to a fixed dollar amount. Most of the states require this to be in the form of liability insurance purchased from an insurer. Insurance is the most popular means of meeting the requirements, even in those states allowing other options. Bodily Injury Liability (BI) coverage pays damages for injury to another person(s), for which the insured driver is legally liable, through the ownership, maintenance, or use of a covered vehicle, up to the specified limits of the auto policy. The insurer also agrees to defend the insured and pay all legal defense costs. Defense costs are in addition to the policy limits. The minimum required limits of coverage vary by state and are represented in the form ## / ## / ##, where the first number refers to the dollar limit (in thousands) of bodily injury liability coverage for each injured person, the second number refers to the total limit of BI coverage for all persons injured, and the third number refers to the property damage liability (PD) limit per accident. For example, 10/20/5 means $10,000 of bodily injury liability coverage for each injured person, subject to a limit of $20,000 bodily injury coverage for all persons injured in an accident, $5,000 in liability coverage for property damage. In most states, a policy can be purchased that contains a single limit of coverage for both bodily injury and property damage liability.1 Auto tort insurance laws determine how liability is assigned in an accident. There are three types of auto insurance systems: 1) traditional tort; 2) no-fault; and 3) add-on. In a traditional tort auto insurance system, an accident victim can sue the at-fault driver to recover economic or monetary damages (medical, wage loss, rehabilitation, funeral expenses, etc.) and general or “non-economic” damages (pain and suffering). Under tort systems, an insured can purchase medical

payments coverage2 that provides compensation for their own medical and funeral benefits without regard to fault. In a no-fault auto insurance system, losses must surpass a specified threshold before an injured person may sue for damages resulting from an accident. The threshold can be monetary—where tort restriction does not apply until damages are above a certain dollar amount—or it can be verbal—where tort restriction applies, except for injuries of the type and severity verbally stated in the law. A few no-fault states have a choice system where the policyholder can retain unrestricted tort rights, or choose to limit his or her right to compensation for noneconomic damages in exchange for a lower liability premium. In those states where limitations on recovery for non-economic or other damages are required, or offered as a choice, insurers will likely pay fewer BI claims at lower settlement amounts. The cost of liability coverage might be lower in these states. Whether no-fault coverage is required or optional, a policyholder can purchase personal injury protection (PIP)3 coverage that provides the policyholder with a broader range of benefits for economic damages that cannot be recovered through a lawsuit. Depending on state law, PIP may be required or optional.4 Some of the states have laws that require auto insurers to offer PIP benefits but do not restrict the right of the policyholder to pursue a liability claim or lawsuit, as well. In these states, PIP is “added on” to the existing tort liability system, sometimes in the form of separate packages of PIP coverages similar to those sold in no-fault states, and sometimes by simply offering to add some wage replacement benefits to the medical and funeral benefits in medical payments coverage.

2

See Medical Payments, Page 113. See Personal Injury Protection, Page 97. 4 See State Laws, Page 227. 3

1

See Combined Single Limit Liability, Page 69.


Bodily Injury Liability State-Specific Information and Technical Notes Voluntary Market Business and Residual Market Business Bodily Injury Liability Data

Bodily Injury Liability Calculations—Loss Experience Results

Texas—Bodily injury liability data include data for the bodily injury component of a combined single limits policy. Bodily Injury Liability—Required Limits California—The minimum basic limit for bodily injury is 15/30. Eligible residents from all California counties that meet certain criteria may purchase a low-cost auto policy with a bodily injury limit of 10/20. New Jersey—The minimum bodily injury limits for New Jersey are 15/30 with a standard $250,000 PIP benefit. This is the coverage most insureds purchase. However, a “basic” policy also exists, whereby an insured can purchase $15,000 of PIP benefits and no bodily injury liability or bodily injury limits of 10/10. Bodily Injury—Earned Premiums

Texas—Earned exposure and incurred claims data are not available, as indicated by “n/a.” Because the results for pure premium, frequency, and severity are calculated using earned exposures and incurred claims, there is no data in these columns for Texas. Bodily Injury Liability—Loss Development BI incurred losses have been developed to 63 months. Except: California—BI incurred developed to 39 months.

losses

are

Massachusetts—All BI losses include paid and outstanding losses with no adjustment for losses incurred but not reported. ISO develops BI losses to 87 months.

Massachusetts—Massachusetts Commonwealth Automobile Reinsurers (M-CAR) collects bodily injury liability, uninsured motorists, and medical payments data as a total premium. Some of the previous reports have included a calculated value for both uninsured motorists and medical payments premiums; however, due to the competitive nature of the rates in Massachusetts, it is not possible to project these values. Therefore, the bodily injury liability portion of this report includes both uninsured motorist and medical payments premiums.



Table 6A

Bodily Injury Liability 2010-2012 Voluntary Business Earned Premiums STATE

2012

2011

Earned Exposures 2010

2012

2011

2010

Alabama 440,706,788 436,005,316 428,047,662 Alaska 103,210,831 100,559,788 98,903,465 Arizona 813,213,582 783,985,516 794,143,896 Arkansas 265,811,961 265,096,395 269,045,466 California 4,775,651,898 4,841,377,078 4,857,964,614 Colorado 622,394,240 609,482,878 617,227,774 Connecticut 659,514,482 631,389,035 616,349,255 Delaware 166,936,542 157,124,469 149,904,821 District of Columbia 56,626,108 55,531,400 53,200,248 Florida 3,317,791,292 3,106,928,988 2,776,788,360 Georgia 1,173,724,565 1,096,235,795 1,048,947,800 Hawaii 105,193,091 107,558,811 105,251,450 Idaho 141,989,074 142,978,106 145,261,885 Illinois 1,268,602,650 1,263,824,068 1,215,845,870 Indiana 641,797,740 640,827,923 620,207,926 Iowa 251,711,005 252,554,405 249,043,712 Kansas 227,313,767 225,144,682 227,946,101 Kentucky 600,963,942 581,051,410 551,430,690 Louisiana 886,613,389 865,572,257 861,792,730 Maine 104,509,252 103,504,441 104,300,976 Maryland 894,830,567 864,944,472 835,314,752 Massachusetts 1,140,805,360 1,093,842,105 1,022,366,061 Michigan 465,124,342 435,216,285 420,473,858 Minnesota 405,049,873 404,291,782 409,012,895 Mississippi 293,328,332 281,245,101 275,798,800 Missouri 639,946,127 635,356,281 623,930,882 Montana 119,359,156 118,926,936 119,408,982 Nebraska 202,262,576 200,555,865 197,391,347 Nevada 520,305,004 505,510,315 500,843,070 New Hampshire 125,646,306 126,715,436 129,518,799 New Jersey 1,036,866,394 1,010,329,710 992,475,931 New Mexico 244,012,411 242,204,861 243,775,759 New York 2,120,866,754 2,085,870,941 2,052,218,854 North Carolina 1,195,559,770 1,195,085,551 1,206,980,537 North Dakota 43,998,589 42,660,878 41,733,254 Ohio 1,120,133,278 1,114,595,645 1,112,208,018 Oklahoma 433,577,195 414,264,874 397,639,506 Oregon 539,931,204 518,876,540 508,287,823 Pennsylvania 1,218,288,211 1,205,850,510 1,197,902,991 Rhode Island 178,438,161 175,476,894 173,040,744 South Carolina 693,472,814 654,262,788 628,450,893 South Dakota 73,912,755 72,558,442 74,144,436 Tennessee 637,937,600 615,279,089 601,369,086 Texas 2,944,596,766 2,858,336,169 2,711,411,075 Utah 293,130,339 284,716,879 280,916,121 Vermont 47,288,938 46,513,339 45,936,132 Virginia 995,612,171 973,883,776 963,595,601 Washington 916,323,202 910,589,239 901,767,309 West Virginia 290,920,454 289,616,480 292,349,812 Wisconsin 579,009,198 584,817,301 578,956,033 Wyoming 54,872,547 55,553,175 55,455,999 Countrywide 37,089,682,593 36,284,680,420 35,386,280,061 CW w/o Texas 34,145,085,827 33,426,344,251 32,674,868,986

3,203,935 446,218 3,716,355 1,744,662 24,088,563 3,499,697 1,872,152 544,991 219,712 10,608,890 5,990,424 757,931 967,743 6,523,109 4,021,846 2,209,995 1,976,908 2,800,079 2,547,520 656,370 3,676,772 3,984,196 5,133,689 3,547,732 1,709,916 3,592,787 690,485 1,391,231 1,578,950 728,168 3,803,357 1,334,376 7,811,647 6,995,888 545,979 7,212,336 2,356,877 2,488,947 7,628,880 527,657 3,214,415 611,123 3,953,843 n/a 1,612,269 323,234 5,739,703 3,908,020 1,226,327 3,531,424 425,000 n/a 169,682,328

3,161,790 438,742 3,708,173 1,721,987 23,743,748 3,447,101 1,863,658 539,212 216,848 10,499,993 5,915,354 744,703 960,963 6,486,728 4,047,216 2,187,575 1,960,055 2,769,104 2,511,190 658,016 3,626,778 4,004,604 5,009,314 3,517,913 1,675,522 3,575,052 674,767 1,369,980 1,545,719 730,281 3,777,606 1,320,275 7,777,733 6,931,252 527,046 7,207,347 2,339,814 2,505,908 7,640,775 528,942 3,170,010 600,198 3,903,984 n/a 1,585,959 319,773 5,706,510 3,894,421 1,217,881 3,475,402 417,469 n/a 168,160,391

3,124,933 426,688 3,651,935 1,710,844 23,559,006 3,398,567 1,844,414 528,062 213,991 10,491,972 5,836,336 705,809 950,247 6,457,326 4,012,597 2,148,436 1,960,520 2,776,538 2,491,428 657,018 3,578,328 3,973,076 4,961,965 3,475,790 1,652,665 3,554,737 662,502 1,348,343 1,531,995 725,357 3,714,771 1,307,263 7,715,547 6,894,649 514,986 7,149,847 2,333,674 2,489,211 7,586,640 525,716 3,125,729 593,110 3,872,199 n/a 1,574,426 318,170 5,628,385 3,861,169 1,199,464 3,399,822 410,812 n/a 166,627,015



Table 6B

Bodily Injury Liability 2010-2012 Voluntary Business Incurred Losses STATE

2012

2011

Incurred Claims 2010

2012

2011

2010

Alabama 379,704,768 342,613,051 327,535,626 Alaska 75,650,085 74,653,930 69,865,246 Arizona 670,392,647 657,601,742 618,909,199 Arkansas 207,697,270 191,308,857 188,895,781 California 3,271,830,167 3,136,390,044 3,034,999,571 Colorado 548,185,052 496,949,554 478,807,275 Connecticut 501,910,698 523,668,159 523,865,987 Delaware 133,634,271 130,942,231 130,633,895 District of Columbia 46,584,484 45,783,764 44,583,342 Florida 2,383,557,039 2,438,856,886 2,459,899,440 Georgia 1,182,757,005 1,066,755,286 1,009,694,676 Hawaii 54,958,735 52,146,681 56,950,046 Idaho 103,672,721 98,895,252 100,131,338 Illinois 966,642,988 933,838,936 911,699,963 Indiana 504,591,254 450,409,207 478,576,043 Iowa 182,898,873 161,586,248 156,004,011 Kansas 185,221,738 166,214,295 169,240,315 Kentucky 500,549,570 455,205,324 473,549,362 Louisiana 781,612,995 735,831,837 701,666,271 Maine 72,567,975 68,604,673 75,789,881 Maryland 714,127,739 706,551,783 676,917,756 Massachusetts 627,143,734 642,241,662 619,109,008 Michigan 399,805,364 398,910,978 361,346,661 Minnesota 269,218,826 265,994,076 273,858,210 Mississippi 240,647,555 246,792,117 233,852,331 Missouri 463,674,879 450,555,762 439,802,619 Montana 75,659,556 73,670,689 77,212,932 Nebraska 139,994,555 133,601,901 136,719,216 Nevada 462,506,129 437,682,834 419,456,455 New Hampshire 100,106,862 96,613,895 90,233,283 New Jersey 756,976,242 801,257,541 833,858,055 New Mexico 199,144,127 180,240,958 187,314,181 New York 1,654,682,370 1,697,157,869 1,688,795,735 North Carolina 919,894,497 882,525,073 898,555,433 North Dakota 33,089,012 29,064,092 25,200,613 Ohio 890,128,580 843,880,224 815,461,501 Oklahoma 303,919,803 291,902,108 289,959,989 Oregon 474,184,741 433,274,796 440,952,091 Pennsylvania 909,524,498 903,583,881 885,685,648 Rhode Island 146,671,526 152,555,751 148,282,873 South Carolina 598,790,806 560,896,391 541,601,463 South Dakota 55,930,199 51,653,863 54,023,289 Tennessee 519,393,327 483,942,850 468,394,425 Texas 2,227,595,131 1,935,164,240 1,860,165,102 Utah 241,586,948 220,619,313 213,777,065 Vermont 32,068,146 34,088,215 34,238,284 Virginia 813,750,730 768,971,402 736,533,116 Washington 768,408,578 710,930,542 721,766,952 West Virginia 177,743,276 185,469,913 191,881,052 Wisconsin 478,757,712 439,443,660 437,977,201 Wyoming 36,640,314 32,138,764 36,196,314 Countrywide 28,486,386,097 27,319,633,100 26,850,426,121 CW w/o Texas 26,258,790,966 25,384,468,860 24,990,261,019

25,942 4,489 50,326 19,576 230,777 28,101 26,818 8,700 4,378 130,342 93,020 2,285 8,081 56,416 29,984 12,307 8,127 30,419 57,537 4,350 65,944 51,785 8,186 12,189 16,693 32,049 4,428 9,169 27,133 5,287 25,995 14,766 52,429 91,886 1,091 78,350 25,525 33,847 47,997 10,524 55,115 2,869 32,060 n/a 16,796 1,931 62,003 50,678 12,641 22,491 2,089 n/a 1,705,921

25,015 3,999 49,678 19,316 225,510 27,924 27,455 8,607 4,516 137,862 88,892 2,098 7,923 56,245 29,154 11,413 7,839 28,959 55,027 4,243 66,010 53,280 8,145 11,806 16,979 32,681 4,383 8,985 25,469 5,251 26,917 14,711 55,795 92,257 950 80,304 24,676 33,601 49,256 11,027 55,035 2,908 30,904 n/a 15,702 2,079 62,117 49,079 13,129 20,833 2,142 n/a 1,698,086

24,596 4,010 46,634 19,425 221,969 26,535 27,340 8,525 4,480 142,238 86,524 2,185 8,588 56,992 30,774 12,849 7,759 29,683 53,948 4,467 63,846 53,403 7,393 12,027 17,082 32,426 4,549 9,378 24,532 5,495 27,825 14,806 58,788 95,882 955 77,849 25,652 34,753 48,534 10,959 55,651 3,068 31,098 n/a 15,598 2,012 60,000 51,609 13,141 21,055 2,199 n/a 1,701,086



Table 6C

Bodily Injury Liability 2010-2012 Voluntary Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

118.51 169.54 180.39 119.05 135.83 156.64 268.09 245.20 212.03 224.68 197.44 72.51 107.13 148.19 125.46 82.76 93.69 178.76 306.81 110.56 194.23 157.41 77.88 75.88 140.74 129.06 109.57 100.63 292.92 137.48 199.03 149.24 211.82 131.49 60.60 123.42 128.95 190.52 119.22 277.97 186.28 91.52 131.36 n/a 149.84 99.21 141.78 196.62 144.94 135.57 86.21 n/a 154.75

108.36 170.15 177.34 111.10 132.09 144.16 280.99 242.84 211.13 232.27 180.34 70.02 102.91 143.96 111.29 73.87 84.80 164.39 293.02 104.26 194.82 160.38 79.63 75.61 147.29 126.03 109.18 97.52 283.16 132.30 212.11 136.52 218.21 127.33 55.15 117.09 124.75 172.90 118.26 288.42 176.94 86.06 123.96 n/a 139.11 106.60 134.75 182.55 152.29 126.44 76.98 n/a 150.95

104.81 163.74 169.47 110.41 128.83 140.89 284.03 247.38 208.34 234.46 173.00 80.69 105.37 141.19 119.27 72.61 86.32 170.55 281.63 115.35 189.17 155.83 72.82 78.79 141.50 123.72 116.55 101.40 273.80 124.40 224.47 143.29 218.88 130.33 48.93 114.05 124.25 177.15 116.74 282.06 173.27 91.08 120.96 n/a 135.78 107.61 130.86 186.93 159.97 128.82 88.11 n/a 149.98

86.16 73.30 82.44 78.14 68.51 88.08 76.10 80.05 82.27 71.84 100.77 52.25 73.01 76.20 78.62 72.66 81.48 83.29 88.16 69.44 79.81 54.97 85.96 66.47 82.04 72.46 63.39 69.21 88.89 79.67 73.01 81.61 78.02 76.94 75.20 79.47 70.10 87.82 74.66 82.20 86.35 75.67 81.42 75.65 82.42 67.81 81.73 83.86 61.10 82.69 66.77 76.80 76.90

78.58 74.24 83.88 72.17 64.78 81.54 82.94 83.34 82.45 78.50 97.31 48.48 69.17 73.89 70.29 63.98 73.83 78.34 85.01 66.28 81.69 58.71 91.66 65.79 87.75 70.91 61.95 66.62 86.58 76.24 79.31 74.42 81.36 73.85 68.13 75.71 70.46 83.50 74.93 86.94 85.73 71.19 78.65 67.70 77.49 73.29 78.96 78.07 64.04 75.14 57.85 75.29 75.94

76.52 70.64 77.93 70.21 62.47 77.57 84.99 87.14 83.80 88.59 96.26 54.11 68.93 74.98 77.16 62.64 74.25 85.88 81.42 72.66 81.04 60.56 85.94 66.96 84.79 70.49 64.66 69.26 83.75 69.67 84.02 76.84 82.29 74.45 60.38 73.32 72.92 86.75 73.94 85.69 86.18 72.86 77.89 68.61 76.10 74.53 76.44 80.04 65.63 75.65 65.27 75.88 76.48



Table 6D

Bodily Injury Liability 2010-2012 Voluntary Business Frequency STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Severity

2012

2011

2010

2012

2011

2010

0.81 1.01 1.35 1.12 0.96 0.80 1.43 1.60 1.99 1.23 1.55 0.30 0.84 0.86 0.75 0.56 0.41 1.09 2.26 0.66 1.79 1.30 0.16 0.34 0.98 0.89 0.64 0.66 1.72 0.73 0.68 1.11 0.67 1.31 0.20 1.09 1.08 1.36 0.63 1.99 1.71 0.47 0.81 n/a 1.04 0.60 1.08 1.30 1.03 0.64 0.49 n/a 1.01

0.79 0.91 1.34 1.12 0.95 0.81 1.47 1.60 2.08 1.31 1.50 0.28 0.82 0.87 0.72 0.52 0.40 1.05 2.19 0.64 1.82 1.33 0.16 0.34 1.01 0.91 0.65 0.66 1.65 0.72 0.71 1.11 0.72 1.33 0.18 1.11 1.05 1.34 0.64 2.08 1.74 0.48 0.79 n/a 0.99 0.65 1.09 1.26 1.08 0.60 0.51 n/a 1.01

0.79 0.94 1.28 1.14 0.94 0.78 1.48 1.61 2.09 1.36 1.48 0.31 0.90 0.88 0.77 0.60 0.40 1.07 2.17 0.68 1.78 1.34 0.15 0.35 1.03 0.91 0.69 0.70 1.60 0.76 0.75 1.13 0.76 1.39 0.19 1.09 1.10 1.40 0.64 2.08 1.78 0.52 0.80 n/a 0.99 0.63 1.07 1.34 1.10 0.62 0.54 n/a 1.02

14,636.68 16,852.32 13,321.00 10,609.79 14,177.45 19,507.67 18,715.44 15,360.26 10,640.59 18,286.95 12,715.08 24,051.96 12,829.19 17,134.20 16,828.68 14,861.37 22,790.91 16,455.16 13,584.53 16,682.29 10,829.31 12,110.53 48,840.14 22,087.03 14,416.08 14,467.69 17,086.62 15,268.25 17,045.89 18,934.53 29,120.07 13,486.67 31,560.44 10,011.26 30,329.07 11,360.93 11,906.75 14,009.65 18,949.61 13,936.86 10,864.39 19,494.67 16,200.67 n/a 14,383.60 16,607.02 13,124.38 15,162.57 14,060.86 21,286.64 17,539.64 n/a 15,392.74

13,696.30 18,668.15 13,237.28 9,904.17 13,907.99 17,796.50 19,073.69 15,213.46 10,138.12 17,690.57 12,000.58 24,855.42 12,482.05 16,603.06 15,449.31 14,158.09 21,203.51 15,718.96 13,372.20 16,168.91 10,703.71 12,054.09 48,976.18 22,530.41 14,535.14 13,786.47 16,808.28 14,869.44 17,184.92 18,399.14 29,767.71 12,252.12 30,417.74 9,565.94 30,593.78 10,508.57 11,829.39 12,894.70 18,344.65 13,834.75 10,191.63 17,762.68 15,659.55 n/a 14,050.40 16,396.45 12,379.40 14,485.43 14,126.74 21,093.63 15,004.09 n/a 14,948.87

13,316.62 17,422.75 13,271.63 9,724.36 13,673.08 18,044.37 19,161.16 15,323.62 9,951.64 17,294.25 11,669.53 26,064.09 11,659.45 15,996.98 15,551.31 12,141.33 21,812.13 15,953.55 13,006.34 16,966.62 10,602.35 11,593.15 48,876.86 22,770.28 13,689.99 13,563.27 16,973.61 14,578.72 17,098.34 16,420.98 29,967.94 12,651.23 28,726.88 9,371.47 26,388.08 10,474.91 11,303.60 12,688.17 18,248.77 13,530.69 9,732.11 17,608.63 15,061.88 n/a 13,705.42 17,017.04 12,275.55 13,985.29 14,601.71 20,801.58 16,460.35 n/a 14,690.77



Table 7A

Bodily Injury Liability 2010-2012 Residual Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

439 7,039 250 921 512,388 0 133,362 1,706 128,242 287,641 0 1,381,805 2,520 226,988 809 3,667 408,151 27,128 180 6,187 23,662,003 53,250,200 218,255 4,399 13,056 7,657 21,660 663 1,059 31,585 13,221,380 766 33,020,217 0 917 0 6,406 1,427 1,945,478 6,350,591 0 0 7,630 1,271,484 283 48,757 366,832 0 11,931 0 0 136,594,059 135,322,575

730 16,562 1,330 2,866 625,334 0 178,819 1,695 125,975 87,605 0 1,674,169 6,494 269,167 209 5,465 401,099 12,436 1,264 7,233 27,184,852 50,487,172 103,645 1,734 20,920 9,563 31,711 102 8,651 71,910 18,929,805 3,178 40,450,588 0 1,175 0 7,932 2,303 2,465,742 5,805,475 55 261 6,184 1,361,615 553 73,214 432,514 0 12,455 0 0 150,891,761 149,530,146

1,562 39,850 4,179 3,208 857,183 0 258,567 1,898 144,948 5,608 0 1,932,403 14,228 289,018 1,535 3,381 357,793 18,053 1,153 9,252 28,159,199 45,942,023 157,910 3,498 32,344 9,358 41,937 467 10,116 130,611 19,942,464 12,156 43,967,170 0 887 55 11,450 4,648 3,471,060 5,958,683 130 335 6,440 1,631,826 434 116,640 506,833 86 12,776 0 19 154,075,374 152,443,548

0 8 1 2 640 0 162 2 145 383 0 1,671 7 670 2 15 1,689 39 0 16 45,164 103,624 733 10 18 20 59 1 2 48 13,931 1 69,493 0 1 0 15 2 8,122 9,126 0 0 12 n/a 0 85 659 0 11 0 0 n/a 256,589

1 17 5 2 872 0 226 2 145 113 0 2,101 15 818 2 27 1,664 17 1 13 59,346 102,507 313 4 33 21 86 0 12 107 22,032 8 90,411 0 2 0 26 3 10,356 8,395 0 0 11 n/a 1 136 796 0 10 0 0 n/a 300,657

1 42 9 3 1,246 0 319 3 169 7 0 2,398 35 853 3 16 1,521 26 1 16 70,605 97,004 561 8 49 19 122 1 13 165 22,107 16 93,270 0 1 0 33 7 13,674 8,565 0 0 16 n/a 0 207 940 0 9 0 0 n/a 314,060



Table 7B

Bodily Injury Liability 2010-2012 Residual Business Incurred Losses STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Incurred Claims

2012

2011

2010

2012

2011

2010

0 0 0 0 226,846 0 42,946 0 216,865 462,360 0 438,288 0 361,667 0 0 542,799 14,108 0 0 22,094,401 49,106,078 108,534 29,547 0 21,786 3,606 0 0 0 5,512,393 0 37,292,643 0 0 0 971 0 1,877,101 6,807,657 0 0 2,010 1,453,160 0 0 216,336 0 21,911 0 0 126,854,013 125,400,853

0 0 0 0 249,262 0 238,137 0 180,581 47,487 0 714,280 0 351,131 0 0 85,502 0 0 0 25,284,361 45,592,760 0 0 0 0 58,473 0 0 0 10,001,867 0 50,645,905 0 0 0 0 0 2,110,204 6,239,952 0 0 0 1,318,847 0 4,985 176,418 0 5,244 0 0 143,305,396 141,986,549

0 0 0 0 505,977 0 191,018 0 224,026 0 0 636,717 0 277,992 0 0 201,283 0 0 0 33,353,449 46,929,917 193,158 0 0 62,615 1,241 0 3,224 29,367 9,435,554 0 54,966,844 0 0 0 7,556 0 3,440,157 5,934,287 0 0 0 1,303,083 0 140,313 336,078 0 0 0 0 158,173,856 156,870,773

0 0 0 0 20 0 3 0 20 35 0 62 0 22 0 0 11 1 0 0 3,047 4,872 8 1 0 2 1 0 0 0 313 0 1,947 0 0 0 1 0 129 628 0 0 1 n/a 0 0 23 0 3 0 0 n/a 11,150

0 0 0 0 28 0 12 0 14 5 0 114 0 19 0 0 11 0 0 0 3,726 5,011 0 0 0 0 1 0 0 0 624 0 2,676 0 0 0 0 0 182 648 0 0 0 n/a 0 2 20 0 1 0 0 n/a 13,094

0 0 0 0 54 0 15 0 22 0 0 116 0 14 0 0 11 0 0 0 4,469 5,318 5 0 0 1 2 0 1 1 590 0 3,061 0 0 0 1 0 249 521 0 0 0 n/a 0 3 29 0 0 0 0 n/a 14,483



Table 7C

Bodily Injury Liability 2010-2012 Residual Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

0.00 0.00 0.00 354.45 265.10 0.00 1,495.62 1,207.21 262.29 0.00 539.80 0.00 0.00 321.37 361.74 0.00 489.20 473.89 148.07 2,954.70 0.00 1,089.30 61.12 0.00 0.00 0.00 395.69 0.00 536.64 0.00 64.73 0.00 231.11 745.96 167.50 n/a 0.00 328.28 1,991.91 n/a 488.72

0.00 0.00 0.00 0.00 285.85 1,053.70 0.00 1,245.39 420.24 339.97 0.00 429.26 0.00 0.00 51.38 0.00 0.00 0.00 426.05 444.78 0.00 0.00 0.00 0.00 679.92 0.00 0.00 453.97 0.00 560.17 0.00 0.00 0.00 203.77 743.29 0.00 n/a 0.00 36.65 221.63 524.40 n/a 472.25

0.00 0.00 0.00 0.00 406.08 598.80 0.00 1,325.60 0.00 265.52 0.00 325.90 0.00 0.00 132.34 0.00 0.00 0.00 472.40 483.79 344.31 0.00 0.00 3,295.53 10.17 0.00 248.00 177.98 426.81 0.00 589.33 0.00 228.97 0.00 251.58 692.85 0.00 n/a 677.84 357.53 0.00 n/a 499.49

0.00 0.00 0.00 0.00 44.27 32.20 0.00 169.11 160.74 31.72 0.00 159.33 0.00 0.00 132.99 52.01 0.00 0.00 93.38 92.22 49.73 671.68 0.00 284.52 16.65 0.00 0.00 0.00 41.69 0.00 112.94 0.00 15.16 0.00 96.49 107.20 26.34 114.29 0.00 0.00 58.97 183.65 92.87 92.67

0.00 0.00 0.00 0.00 39.86 133.17 0.00 143.35 54.21 42.66 0.00 130.45 0.00 0.00 21.32 0.00 0.00 0.00 93.01 90.31 0.00 0.00 0.00 0.00 184.39 0.00 0.00 0.00 52.84 0.00 125.20 0.00 0.00 0.00 85.58 107.48 0.00 0.00 0.00 96.86 0.00 6.81 40.79 42.10 94.97 94.96

0.00 0.00 0.00 0.00 59.03 73.88 0.00 154.56 0.00 32.95 0.00 96.19 0.00 0.00 56.26 0.00 0.00 0.00 118.45 102.15 122.32 0.00 0.00 669.11 2.96 0.00 31.87 22.48 47.31 0.00 125.02 0.00 0.00 65.99 0.00 99.11 99.59 0.00 0.00 0.00 79.85 0.00 120.30 66.31 0.00 0.00 0.00 102.66 102.90



Table 7D

Bodily Injury Liability 2010-2012 Residual Business Frequency

Severity

STATE

2012

2011

2010

2012

2011

2010

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

0.00 0.00 0.00 3.13 1.85 0.00 13.79 9.14 3.71 0.00 3.28 0.00 0.00 0.65 2.56 0.00 6.75 4.70 1.09 10.00 0.00 10.00 1.69 0.00 0.00 0.00 2.25 0.00 2.80 0.00 6.67 0.00 1.59 6.88 8.33 n/a 0.00 3.49 27.27 n/a 4.35

0.00 0.00 0.00 0.00 3.21 5.31 0.00 9.66 4.42 5.43 0.00 2.32 0.00 0.00 0.66 0.00 0.00 0.00 6.28 4.89 0.00 0.00 0.00 0.00 1.16 0.00 0.00 2.83 0.00 2.96 0.00 0.00 0.00 1.76 7.72 0.00 n/a 0.00 1.47 2.51 10.00 n/a 4.36

0.00 0.00 0.00 0.00 4.33 4.70 0.00 13.02 0.00 4.84 0.00 1.64 0.00 0.00 0.72 0.00 0.00 0.00 6.33 5.48 0.89 0.00 0.00 5.26 1.64 0.00 7.69 0.61 2.67 0.00 3.28 0.00 3.03 0.00 1.82 6.08 0.00 n/a 1.45 3.09 0.00 n/a 4.61

11,342.30 14,315.33 10,843.25 13,210.29 7,069.16 16,439.41 49,345.36 14,108.00 7,251.20 10,079.24 13,566.75 29,547.00 10,893.00 3,606.00 17,611.48 19,153.90 971.00 14,551.17 10,840.22 2,010.00 n/a 9,405.91 7,303.67 n/a 11,246.71

8,902.21 19,844.75 12,898.64 9,497.40 6,265.61 18,480.58 7,772.91 6,785.93 9,098.54 58,473.00 16,028.63 18,925.97 11,594.53 9,629.56 n/a 2,492.50 8,820.90 5,244.00 n/a 10,843.63

9,369.94 12,734.53 10,183.00 5,488.94 19,856.57 18,298.45 7,463.29 8,824.73 38,631.60 62,615.00 620.50 3,224.00 29,367.00 15,992.46 17,957.15 7,556.00 13,815.89 11,390.19 n/a 46,771.00 11,588.90 n/a 10,831.37



Table 8A

Bodily Injury Liability 2010-2012 Total Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

440,707,227 103,217,870 813,213,832 265,812,882 4,776,164,286 622,394,240 659,647,844 166,938,248 56,754,350 3,318,078,933 1,173,724,565 106,574,896 141,991,594 1,268,829,638 641,798,549 251,714,672 227,721,918 600,991,070 886,613,569 104,515,439 918,492,570 1,194,055,560 465,342,597 405,054,272 293,341,388 639,953,784 119,380,816 202,263,239 520,306,063 125,677,891 1,050,087,774 244,013,177 2,153,886,971 1,195,559,770 43,999,506 1,120,133,278 433,583,601 539,932,631 1,220,233,689 184,788,752 693,472,814 73,912,755 637,945,230 2,945,868,250 293,130,622 47,337,695 995,979,003 916,323,202 290,932,385 579,009,198 54,872,547 37,226,276,652 34,280,408,402

436,006,046 100,576,350 783,986,846 265,099,261 4,842,002,412 609,482,878 631,567,854 157,126,164 55,657,375 3,107,016,593 1,096,235,795 109,232,980 142,984,600 1,264,093,235 640,828,132 252,559,870 225,545,781 581,063,846 865,573,521 103,511,674 892,129,324 1,144,329,277 435,319,930 404,293,516 281,266,021 635,365,844 118,958,647 200,555,967 505,518,966 126,787,346 1,029,259,515 242,208,039 2,126,321,529 1,195,085,551 42,662,053 1,114,595,645 414,272,806 518,878,843 1,208,316,252 181,282,369 654,262,843 72,558,703 615,285,273 2,859,697,784 284,717,432 46,586,553 974,316,290 910,589,239 289,628,935 584,817,301 55,553,175 36,435,572,181 33,575,874,397

428,049,224 98,943,315 794,148,075 269,048,674 4,858,821,797 617,227,774 616,607,822 149,906,719 53,345,196 2,776,793,968 1,048,947,800 107,183,853 145,276,113 1,216,134,888 620,209,461 249,047,093 228,303,894 551,448,743 861,793,883 104,310,228 863,473,951 1,068,308,084 420,631,768 409,016,393 275,831,144 623,940,240 119,450,919 197,391,814 500,853,186 129,649,410 1,012,418,395 243,787,915 2,096,186,024 1,206,980,537 41,734,141 1,112,208,073 397,650,956 508,292,471 1,201,374,051 178,999,427 628,451,023 74,144,771 601,375,526 2,713,042,901 280,916,555 46,052,772 964,102,434 901,767,395 292,362,588 578,956,033 55,456,018 35,540,355,435 32,827,312,534

3,203,935 446,226 3,716,356 1,744,664 24,089,203 3,499,697 1,872,314 544,993 219,857 10,609,273 5,990,424 759,602 967,750 6,523,779 4,021,848 2,210,010 1,978,597 2,800,118 2,547,520 656,386 3,721,936 4,087,820 5,134,422 3,547,742 1,709,934 3,592,807 690,544 1,391,232 1,578,952 728,216 3,817,288 1,334,377 7,881,140 6,995,888 545,980 7,212,336 2,356,892 2,488,949 7,637,002 536,783 3,214,415 611,123 3,953,855 n/a 1,612,269 323,319 5,740,362 3,908,020 1,226,338 3,531,424 425,000 n/a 169,938,917

3,161,791 438,759 3,708,178 1,721,989 23,744,620 3,447,101 1,863,884 539,214 216,993 10,500,106 5,915,354 746,804 960,978 6,487,546 4,047,218 2,187,602 1,961,719 2,769,121 2,511,191 658,029 3,686,124 4,107,111 5,009,627 3,517,917 1,675,555 3,575,073 674,853 1,369,980 1,545,731 730,388 3,799,638 1,320,283 7,868,144 6,931,252 527,048 7,207,347 2,339,840 2,505,911 7,651,131 537,337 3,170,010 600,198 3,903,995 n/a 1,585,960 319,909 5,707,306 3,894,421 1,217,891 3,475,402 417,469 n/a 168,461,048

3,124,934 426,730 3,651,944 1,710,847 23,560,252 3,398,567 1,844,733 528,065 214,160 10,491,979 5,836,336 708,207 950,282 6,458,179 4,012,600 2,148,452 1,962,041 2,776,564 2,491,429 657,034 3,648,933 4,070,080 4,962,526 3,475,798 1,652,714 3,554,756 662,624 1,348,344 1,532,008 725,522 3,736,878 1,307,279 7,808,817 6,894,649 514,987 7,149,847 2,333,707 2,489,218 7,600,314 534,281 3,125,729 593,110 3,872,215 n/a 1,574,426 318,377 5,629,325 3,861,169 1,199,473 3,399,822 410,812 n/a 166,941,075



Table 8B

Bodily Injury Liability 2010-2012 Total Business Incurred Losses STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Incurred Claims

2012

2011

2010

2012

2011

2010

379,704,768 75,650,085 670,392,647 207,697,270 3,272,057,013 548,185,052 501,953,644 133,634,271 46,801,349 2,384,019,399 1,182,757,005 55,397,023 103,672,721 967,004,655 504,591,254 182,898,873 185,764,537 500,563,678 781,612,995 72,567,975 736,222,140 676,249,812 399,913,898 269,248,373 240,647,555 463,696,665 75,663,162 139,994,555 462,506,129 100,106,862 762,488,635 199,144,127 1,691,975,013 919,894,497 33,089,012 890,128,580 303,920,774 474,184,741 911,401,599 153,479,183 598,790,806 55,930,199 519,395,337 2,229,048,291 241,586,948 32,068,146 813,967,066 768,408,578 177,765,187 478,757,712 36,640,314 28,613,240,110 26,384,191,819

342,613,051 74,653,930 657,601,742 191,308,857 3,136,639,306 496,949,554 523,906,296 130,942,231 45,964,345 2,438,904,373 1,066,755,286 52,860,961 98,895,252 934,190,067 450,409,207 161,586,248 166,299,797 455,205,324 735,831,837 68,604,673 731,836,144 687,834,422 398,910,978 265,994,076 246,792,117 450,555,762 73,729,162 133,601,901 437,682,834 96,613,895 811,259,408 180,240,958 1,747,803,774 882,525,073 29,064,092 843,880,224 291,902,108 433,274,796 905,694,085 158,795,703 560,896,391 51,653,863 483,942,850 1,936,483,087 220,619,313 34,093,200 769,147,820 710,930,542 185,475,157 439,443,660 32,138,764 27,462,938,496 25,526,455,409

327,535,626 69,865,246 618,909,199 188,895,781 3,035,505,548 478,807,275 524,057,005 130,633,895 44,807,368 2,459,899,440 1,009,694,676 57,586,763 100,131,338 911,977,955 478,576,043 156,004,011 169,441,598 473,549,362 701,666,271 75,789,881 710,271,205 666,038,925 361,539,819 273,858,210 233,852,331 439,865,234 77,214,173 136,719,216 419,459,679 90,262,650 843,293,609 187,314,181 1,743,762,579 898,555,433 25,200,613 815,461,501 289,967,545 440,952,091 889,125,805 154,217,160 541,601,463 54,023,289 468,394,425 1,861,468,185 213,777,065 34,378,597 736,869,194 721,766,952 191,881,052 437,977,201 36,196,314 27,008,599,977 25,147,131,792

25,942 4,489 50,326 19,576 230,797 28,101 26,821 8,700 4,398 130,377 93,020 2,347 8,081 56,438 29,984 12,307 8,138 30,420 57,537 4,350 68,991 56,657 8,194 12,190 16,693 32,051 4,429 9,169 27,133 5,287 26,308 14,766 54,376 91,886 1,091 78,350 25,526 33,847 48,126 11,152 55,115 2,869 32,061 n/a 16,796 1,931 62,026 50,678 12,644 22,491 2,089 n/a 1,717,071

25,015 3,999 49,678 19,316 225,538 27,924 27,467 8,607 4,530 137,867 88,892 2,212 7,923 56,264 29,154 11,413 7,850 28,959 55,027 4,243 69,736 58,291 8,145 11,806 16,979 32,681 4,384 8,985 25,469 5,251 27,541 14,711 58,471 92,257 950 80,304 24,676 33,601 49,438 11,675 55,035 2,908 30,904 n/a 15,702 2,081 62,137 49,079 13,130 20,833 2,142 n/a 1,711,180

24,596 4,010 46,634 19,425 222,023 26,535 27,355 8,525 4,502 142,238 86,524 2,301 8,588 57,006 30,774 12,849 7,770 29,683 53,948 4,467 68,315 58,721 7,398 12,027 17,082 32,427 4,551 9,378 24,533 5,496 28,415 14,806 61,849 95,882 955 77,849 25,653 34,753 48,783 11,480 55,651 3,068 31,098 n/a 15,598 2,015 60,029 51,609 13,141 21,055 2,199 n/a 1,715,569



Table 8C

Bodily Injury Liability 2010-2012 Total Business Pure Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

118.51 169.53 180.39 119.05 135.83 156.64 268.09 245.20 212.87 224.71 197.44 72.93 107.13 148.23 125.46 82.76 93.89 178.77 306.81 110.56 197.81 165.43 77.89 75.89 140.73 129.06 109.57 100.63 292.92 137.47 199.75 149.24 214.69 131.49 60.60 123.42 128.95 190.52 119.34 285.92 186.28 91.52 131.36 n/a 149.84 99.18 141.80 196.62 144.96 135.57 86.21 n/a 155.26

108.36 170.15 177.34 111.10 132.10 144.16 281.08 242.84 211.82 232.27 180.34 70.78 102.91 144.00 111.29 73.86 84.77 164.39 293.02 104.26 198.54 167.47 79.63 75.61 147.29 126.03 109.25 97.52 283.16 132.28 213.51 136.52 222.14 127.33 55.15 117.09 124.75 172.90 118.37 295.52 176.94 86.06 123.96 n/a 139.11 106.57 134.77 182.55 152.29 126.44 76.98 n/a 151.53

104.81 163.72 169.47 110.41 128.84 140.89 284.08 247.38 209.22 234.46 173.00 81.31 105.37 141.21 119.27 72.61 86.36 170.55 281.63 115.35 194.65 163.64 72.85 78.79 141.50 123.74 116.53 101.40 273.80 124.41 225.67 143.29 223.31 130.33 48.93 114.05 124.25 177.14 116.99 288.64 173.27 91.08 120.96 n/a 135.78 107.98 130.90 186.93 159.97 128.82 88.11 n/a 150.63

86.16 73.29 82.44 78.14 68.51 88.08 76.09 80.05 82.46 71.85 100.77 51.98 73.01 76.21 78.62 72.66 81.58 83.29 88.16 69.43 80.16 56.63 85.94 66.47 82.04 72.46 63.38 69.21 88.89 79.65 72.61 81.61 78.55 76.94 75.20 79.47 70.10 87.82 74.69 83.06 86.35 75.67 81.42 75.67 82.42 67.74 81.73 83.86 61.10 82.69 66.77 76.86 76.97

78.58 74.23 83.88 72.16 64.78 81.54 82.95 83.34 82.58 78.50 97.31 48.39 69.16 73.90 70.29 63.98 73.73 78.34 85.01 66.28 82.03 60.11 91.64 65.79 87.74 70.91 61.98 66.62 86.58 76.20 78.82 74.42 82.20 73.85 68.13 75.71 70.46 83.50 74.96 87.60 85.73 71.19 78.65 67.72 77.49 73.18 78.94 78.07 64.04 75.14 57.85 75.37 76.03

76.52 70.61 77.93 70.21 62.47 77.57 84.99 87.14 84.00 88.59 96.26 53.73 68.92 74.99 77.16 62.64 74.22 85.87 81.42 72.66 82.26 62.35 85.95 66.96 84.78 70.50 64.64 69.26 83.75 69.62 83.29 76.83 83.19 74.45 60.38 73.32 72.92 86.75 74.01 86.16 86.18 72.86 77.89 68.61 76.10 74.65 76.43 80.04 65.63 75.65 65.27 75.99 76.60



Table 8D

Bodily Injury Liability 2010-2012 Total Business Frequency STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Severity

2012

2011

2010

2012

2011

2010

0.81 1.01 1.35 1.12 0.96 0.80 1.43 1.60 2.00 1.23 1.55 0.31 0.84 0.87 0.75 0.56 0.41 1.09 2.26 0.66 1.85 1.39 0.16 0.34 0.98 0.89 0.64 0.66 1.72 0.73 0.69 1.11 0.69 1.31 0.20 1.09 1.08 1.36 0.63 2.08 1.71 0.47 0.81 n/a 1.04 0.60 1.08 1.30 1.03 0.64 0.49 n/a 1.01

0.79 0.91 1.34 1.12 0.95 0.81 1.47 1.60 2.09 1.31 1.50 0.30 0.82 0.87 0.72 0.52 0.40 1.05 2.19 0.64 1.89 1.42 0.16 0.34 1.01 0.91 0.65 0.66 1.65 0.72 0.72 1.11 0.74 1.33 0.18 1.11 1.05 1.34 0.65 2.17 1.74 0.48 0.79 n/a 0.99 0.65 1.09 1.26 1.08 0.60 0.51 n/a 1.02

0.79 0.94 1.28 1.14 0.94 0.78 1.48 1.61 2.10 1.36 1.48 0.32 0.90 0.88 0.77 0.60 0.40 1.07 2.17 0.68 1.87 1.44 0.15 0.35 1.03 0.91 0.69 0.70 1.60 0.76 0.76 1.13 0.79 1.39 0.19 1.09 1.10 1.40 0.64 2.15 1.78 0.52 0.80 n/a 0.99 0.63 1.07 1.34 1.10 0.62 0.54 n/a 1.03

14,636.68 16,852.32 13,321.00 10,609.79 14,177.21 19,507.67 18,714.95 15,360.26 10,641.51 18,285.58 12,715.08 23,603.33 12,829.19 17,133.93 16,828.68 14,861.37 22,826.80 16,455.08 13,584.53 16,682.29 10,671.28 11,935.86 48,805.70 22,087.64 14,416.08 14,467.46 17,083.58 15,268.25 17,045.89 18,934.53 28,983.15 13,486.67 31,116.21 10,011.26 30,329.07 11,360.93 11,906.32 14,009.65 18,937.82 13,762.48 10,864.39 19,494.67 16,200.22 n/a 14,383.60 16,607.02 13,123.00 15,162.57 14,059.25 21,286.64 17,539.64 n/a 15,365.81

13,696.30 18,668.15 13,237.28 9,904.17 13,907.37 17,796.50 19,074.03 15,213.46 10,146.65 17,690.27 12,000.58 23,897.36 12,482.05 16,603.69 15,449.31 14,158.09 21,184.69 15,718.96 13,372.20 16,168.91 10,494.38 11,800.01 48,976.18 22,530.41 14,535.14 13,786.47 16,817.78 14,869.44 17,184.92 18,399.14 29,456.43 12,252.12 29,891.81 9,565.94 30,593.78 10,508.57 11,829.39 12,894.70 18,319.80 13,601.35 10,191.63 17,762.68 15,659.55 n/a 14,050.40 16,383.09 12,378.26 14,485.43 14,126.06 21,093.63 15,004.09 n/a 14,917.46

13,316.62 17,422.75 13,271.63 9,724.36 13,672.03 18,044.37 19,157.63 15,323.62 9,952.77 17,294.25 11,669.53 25,026.84 11,659.45 15,997.93 15,551.31 12,141.33 21,807.16 15,953.55 13,006.34 16,966.62 10,397.00 11,342.43 48,869.94 22,770.28 13,689.99 13,564.78 16,966.42 14,578.72 17,097.77 16,423.34 29,677.76 12,651.23 28,193.87 9,371.47 26,388.08 10,474.91 11,303.46 12,688.17 18,226.14 13,433.55 9,732.11 17,608.63 15,061.88 n/a 13,705.42 17,061.34 12,275.22 13,985.29 14,601.71 20,801.58 16,460.35 n/a 14,658.19


Property Damage Liability



Property Damage Liability All of the states require drivers operating a motor vehicle to be financially responsible for accidents up to a fixed dollar amount. Most of the states require this to be in the form of liability insurance purchased from an insurer. Insurance is the most popular means of meeting the requirements, even in those states allowing other options. Property damage is damage to, destruction of, or loss of use of tangible property. Property damage liability (PD) insurance pays for damages to another person’s property for which the insured is legally liable, through the ownership, maintenance, or use of a covered vehicle up to the specified limit of the auto policy. The insurer also agrees to defend the insured and pay all legal defense costs. Defense costs are in addition to the policy limits.

The minimum required limits of liability coverage vary by state, and are represented in the form of ## / ## / ##, where the first two numbers refer to the dollar limits (in thousands) of bodily injury liability, and the third number refers to the PD limit. For example, 10/20/5 means bodily injury liability coverage up to $20,000 for all persons injured in an accident, subject to a limit of $10,000 for any one individual; and $5,000 coverage for property damage liability. In most of the states a policy can be purchased that contains a single limit of coverage for bodily injury and property damage liability.

Property Damage Liability State-Specific Information and Technical Notes Voluntary Market Business and Residual Market Business Property Damage Liability Data Texas—Property damage liability data include data for combined single limits—property damage. Michigan—Property damage liability is a residual coverage that pays for property damage that Michigan drivers are legally responsible for in other states. Michigan policyholders are required to carry property protection insurance (PPI) to cover damages to property in Michigan. In this report, Michigan PPI data are included in other liability, which is not reported separately in this publication.

Property Damage Liability—Required Limits California—The minimum basic limit for property damage liability is $5,000. Eligible residents from all California counties that meet certain criteria may purchase a low-cost auto policy with a property damage liability of $3,000. Property Damage Liability—Calculations-Loss Experience Results Texas—Earned exposure and incurred claims data are not available, as indicated by “n/a.” Because the results for pure premium, frequency and severity are calculated using earned exposures and incurred claims, there is no data in these columns for Texas. Property Damage—Loss Development Property damage liability incurred losses have been developed to 39 months.




Table 9A

Property Damage Liability 2010-2012 Voluntary Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

425,610,026 73,626,563 596,614,985 251,357,409 4,041,984,600 526,398,245 363,786,054 89,210,780 47,759,893 1,779,695,681 969,226,315 107,791,944 104,003,418 955,731,245 513,718,255 247,783,446 260,731,238 375,908,047 530,870,568 79,657,144 685,438,423 893,111,128 91,877,565 403,825,143 217,065,851 537,808,873 76,173,594 176,473,491 263,263,389 94,503,973 708,335,104 177,456,606 1,569,338,968 890,734,031 56,698,733 952,108,776 369,329,809 336,387,037 1,195,022,500 115,294,965 483,253,124 59,193,933 539,375,089 3,115,833,327 257,244,950 39,063,551 830,218,095 556,261,205 164,264,413 357,909,317 49,041,247 28,603,372,066 25,487,538,739

416,704,734 73,417,802 595,636,444 244,314,302 3,858,178,817 515,199,272 358,184,294 86,501,857 47,143,980 1,735,529,420 944,594,306 107,111,518 105,980,223 960,722,882 516,089,005 244,270,393 259,153,986 365,624,808 517,647,012 79,404,678 676,674,314 860,295,479 86,072,026 390,538,637 211,613,478 528,162,281 75,552,251 172,907,954 266,689,457 93,045,454 687,491,385 175,709,846 1,504,803,273 889,062,104 51,370,748 937,645,541 358,528,030 335,306,893 1,164,151,310 109,637,471 464,133,385 56,356,159 517,701,979 3,071,983,598 257,222,684 38,264,359 805,514,349 563,089,774 159,799,411 354,124,568 48,123,978 27,942,981,909 24,870,998,311

409,745,570 73,408,101 608,442,860 243,225,088 3,853,858,975 511,450,592 353,004,639 83,478,341 45,728,995 1,752,780,611 950,106,933 103,173,216 107,122,595 980,034,308 525,991,945 231,765,961 259,314,294 357,185,700 499,310,844 80,109,239 673,763,049 820,880,131 82,751,614 386,907,154 212,364,568 527,597,449 75,245,147 169,213,740 276,651,596 93,619,316 665,369,156 176,697,901 1,436,888,637 907,838,983 46,752,963 934,418,161 348,454,995 340,667,363 1,145,014,565 105,965,863 460,114,293 54,243,818 509,531,444 3,065,020,988 263,294,621 38,036,803 797,240,251 569,763,112 153,602,541 347,657,865 47,002,596 27,761,809,490 24,696,788,502

3,204,214 446,211 3,717,188 1,744,434 24,092,773 3,499,856 1,872,197 545,234 219,719 11,177,585 5,990,728 757,745 967,786 6,521,351 4,023,241 2,203,350 1,976,777 2,799,982 2,547,582 656,407 3,676,534 4,000,062 5,133,689 3,547,277 1,710,083 3,592,684 690,568 1,390,917 1,579,099 728,743 3,805,537 1,334,520 7,805,248 6,995,888 546,065 7,211,328 2,356,852 2,489,181 7,627,196 528,575 3,215,862 609,925 3,952,828 n/a 1,612,353 323,234 5,737,838 3,908,386 1,226,183 3,528,891 424,988 n/a 170,254,894

3,162,108 438,730 3,708,980 1,721,641 23,743,811 3,448,087 1,863,827 539,485 216,850 11,031,097 5,915,635 744,833 961,334 6,485,878 4,048,531 2,181,829 1,960,512 2,769,177 2,511,151 658,191 3,626,670 3,968,411 5,009,316 3,518,067 1,675,610 3,575,738 674,893 1,369,718 1,545,920 730,831 3,779,238 1,320,480 7,771,667 6,931,252 527,216 7,206,325 2,339,731 2,506,276 7,640,490 529,709 3,171,184 599,480 3,902,900 n/a 1,586,410 319,802 5,696,761 3,895,130 1,217,754 3,473,583 417,574 n/a 168,639,823

3,124,366 426,686 3,651,553 1,710,444 23,557,656 3,400,553 1,844,708 528,212 214,002 10,992,533 5,836,834 706,019 951,475 6,457,640 4,013,324 2,143,439 1,961,913 2,776,713 2,491,400 657,281 3,578,044 3,893,128 4,961,965 3,478,797 1,652,549 3,557,059 663,415 1,348,142 1,532,110 725,797 3,716,986 1,307,374 7,710,352 6,894,649 515,499 7,147,593 2,333,617 2,490,031 7,588,559 525,954 3,126,824 593,210 3,872,262 n/a 1,575,838 318,186 5,623,859 3,863,418 1,199,338 3,398,654 411,322 n/a 167,051,282



Table 9B

Property Damage Liability 2010-2012 Voluntary Business Incurred Losses STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Incurred Claims

2012

2011

2010

2012

2011

2010

337,113,740 64,261,028 469,849,056 195,499,866 3,153,224,778 393,341,785 294,404,077 74,496,989 35,361,149 1,395,198,871 797,581,210 85,130,462 77,812,807 777,837,392 414,772,522 188,314,557 197,403,962 296,035,408 425,144,922 62,668,786 556,293,247 587,467,801 41,808,665 316,577,463 170,633,682 393,360,090 55,419,771 134,352,880 195,783,673 79,838,798 591,332,832 133,381,046 1,300,933,515 714,913,337 45,111,736 756,690,926 289,154,010 264,780,401 972,668,809 100,023,906 374,003,559 43,112,290 417,077,507 2,220,562,459 192,512,407 29,634,629 670,057,607 450,203,261 125,489,385 287,121,611 36,046,502 22,281,801,172 20,061,238,713

322,712,991 58,300,116 453,910,991 191,847,054 2,977,239,535 382,539,793 298,412,277 72,396,694 35,032,097 1,368,421,233 767,352,397 81,376,745 72,891,068 752,993,842 390,445,400 179,371,046 195,263,605 291,955,738 404,568,815 66,574,953 550,832,824 591,820,659 39,315,159 311,581,169 166,858,003 391,468,887 54,998,841 130,969,601 180,981,142 80,480,480 576,515,550 130,072,158 1,253,162,070 685,928,218 45,562,978 751,022,771 273,919,327 251,335,613 981,669,258 99,773,004 364,047,784 44,647,321 406,952,583 1,997,554,797 177,987,192 31,288,841 647,651,229 429,527,002 125,556,538 277,136,396 37,794,193 21,452,017,978 19,454,463,181

308,944,985 55,159,782 413,725,372 186,933,832 2,786,780,269 353,658,484 281,411,391 71,965,688 35,918,798 1,360,364,851 743,822,672 78,382,140 70,287,306 724,542,680 385,109,245 181,304,017 185,958,215 292,020,081 385,080,560 61,067,247 537,588,780 556,620,480 41,476,835 305,075,717 161,707,866 381,763,150 50,839,591 127,961,931 174,641,940 76,635,214 559,317,654 125,635,978 1,211,805,457 689,165,224 42,225,919 711,560,365 263,692,656 242,550,534 927,515,917 95,012,508 355,887,098 42,615,300 391,678,117 1,968,124,540 170,298,616 28,566,978 608,999,910 407,635,052 123,697,432 255,124,281 34,556,199 20,632,414,854 18,664,290,314

99,094 17,723 147,568 60,251 985,702 127,741 90,316 23,203 14,359 478,052 254,324 29,317 28,526 258,790 133,755 63,485 65,397 101,080 119,651 21,903 192,092 214,933 21,094 110,741 51,100 135,538 18,109 45,380 64,800 28,410 171,863 44,752 382,839 253,129 14,823 270,610 91,081 94,660 320,115 29,480 123,700 14,957 123,460 n/a 65,264 10,783 237,322 152,411 40,977 95,415 10,878 n/a 6,550,953

99,140 16,548 145,151 61,091 917,541 129,452 94,930 23,367 14,607 480,069 250,924 29,242 28,102 254,914 133,740 63,158 67,472 103,721 116,829 23,548 193,187 225,312 20,226 114,045 51,180 139,015 18,612 46,479 61,340 29,082 172,535 45,113 382,891 245,430 16,026 277,359 89,525 92,814 332,058 30,733 124,161 16,236 123,815 n/a 64,561 11,457 238,528 149,493 41,233 95,374 11,635 n/a 6,513,001

97,736 16,107 137,820 61,528 911,921 121,823 92,045 23,321 14,769 477,754 250,430 28,971 27,843 256,976 136,039 67,737 66,842 105,585 115,632 22,650 192,837 220,243 23,671 115,326 51,678 139,581 18,476 47,114 59,972 28,248 169,403 44,256 386,732 253,156 16,029 273,193 91,043 93,662 328,228 30,359 124,484 16,640 122,810 n/a 63,590 10,874 231,218 150,030 41,613 92,773 11,365 n/a 6,482,133



Table 9C

Property Damage Liability 2010-2012 Voluntary Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

105.21 144.01 126.40 112.07 130.88 112.39 157.25 136.63 160.94 124.82 133.14 112.35 80.40 119.28 103.09 85.47 99.86 105.73 166.88 95.47 151.31 146.86 8.14 89.25 99.78 109.49 80.25 96.59 123.98 109.56 155.39 99.95 166.67 102.19 82.61 104.93 122.69 106.37 127.53 189.23 116.30 70.68 105.51 n/a 119.40 91.68 116.78 115.19 102.34 81.36 84.82 n/a 117.83

102.06 132.88 122.38 111.43 125.39 110.94 160.11 134.20 161.55 124.05 129.72 109.26 75.82 116.10 96.44 82.21 99.60 105.43 161.11 101.15 151.88 149.13 7.85 88.57 99.58 109.48 81.49 95.62 117.07 110.12 152.55 98.50 161.25 98.96 86.42 104.22 117.07 100.28 128.48 188.35 114.80 74.48 104.27 n/a 112.19 97.84 113.69 110.27 103.11 79.78 90.51 n/a 115.36

98.88 129.27 113.30 109.29 118.30 104.00 152.55 136.24 167.84 123.75 127.44 111.02 73.87 112.20 95.96 84.59 94.78 105.17 154.56 92.91 150.25 142.98 8.36 87.70 97.85 107.33 76.63 94.92 113.99 105.59 150.48 96.10 157.17 99.96 81.91 99.55 113.00 97.41 122.23 180.65 113.82 71.84 101.15 n/a 108.07 89.78 108.29 105.51 103.14 75.07 84.01 n/a 111.73

79.21 87.28 78.75 77.78 78.01 74.72 80.93 83.51 74.04 78.40 82.29 78.98 74.82 81.39 80.74 76.00 75.71 78.75 80.08 78.67 81.16 65.78 45.50 78.39 78.61 73.14 72.75 76.13 74.37 84.48 83.48 75.16 82.90 80.26 79.56 79.48 78.29 78.71 81.39 86.75 77.39 72.83 77.33 71.27 74.84 75.86 80.71 80.93 76.39 80.22 73.50 77.90 78.71

77.44 79.41 76.21 78.52 77.17 74.25 83.31 83.69 74.31 78.85 81.24 75.97 68.78 78.38 75.65 73.43 75.35 79.85 78.16 83.84 81.40 68.79 45.68 79.78 78.85 74.12 72.80 75.75 67.86 86.50 83.86 74.03 83.28 77.15 88.69 80.10 76.40 74.96 84.32 91.00 78.44 79.22 78.61 65.02 69.20 81.77 80.40 76.28 78.57 78.26 78.54 76.77 78.22

75.40 75.14 68.00 76.86 72.31 69.15 79.72 86.21 78.55 77.61 78.29 75.97 65.61 73.93 73.22 78.23 71.71 81.76 77.12 76.23 79.79 67.81 50.12 78.85 76.15 72.36 67.57 75.62 63.13 81.86 84.06 71.10 84.34 75.91 90.32 76.15 75.67 71.20 81.00 89.66 77.35 78.56 76.87 64.21 64.68 75.10 76.39 71.54 80.53 73.38 73.52 74.32 75.57



Table 9D

Property Damage Liability 2010-2012 Voluntary Business Frequency STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Severity

2012

2011

2010

2012

2011

2010

3.09 3.97 3.97 3.45 4.09 3.65 4.82 4.26 6.54 4.28 4.25 3.87 2.95 3.97 3.32 2.88 3.31 3.61 4.70 3.34 5.22 5.37 0.41 3.12 2.99 3.77 2.62 3.26 4.10 3.90 4.52 3.35 4.90 3.62 2.71 3.75 3.86 3.80 4.20 5.58 3.85 2.45 3.12 n/a 4.05 3.34 4.14 3.90 3.34 2.70 2.56 n/a 3.85

3.14 3.77 3.91 3.55 3.86 3.75 5.09 4.33 6.74 4.35 4.24 3.93 2.92 3.93 3.30 2.89 3.44 3.75 4.65 3.58 5.33 5.68 0.40 3.24 3.05 3.89 2.76 3.39 3.97 3.98 4.57 3.42 4.93 3.54 3.04 3.85 3.83 3.70 4.35 5.80 3.92 2.71 3.17 n/a 4.07 3.58 4.19 3.84 3.39 2.75 2.79 n/a 3.86

3.13 3.77 3.77 3.60 3.87 3.58 4.99 4.42 6.90 4.35 4.29 4.10 2.93 3.98 3.39 3.16 3.41 3.80 4.64 3.45 5.39 5.66 0.48 3.32 3.13 3.92 2.78 3.49 3.91 3.89 4.56 3.39 5.02 3.67 3.11 3.82 3.90 3.76 4.33 5.77 3.98 2.81 3.17 n/a 4.04 3.42 4.11 3.88 3.47 2.73 2.76 n/a 3.88

3,401.96 3,625.85 3,183.95 3,244.76 3,198.96 3,079.21 3,259.71 3,210.66 2,462.65 2,918.51 3,136.08 2,903.79 2,727.79 3,005.67 3,100.99 2,966.28 3,018.55 2,928.72 3,553.21 2,861.20 2,895.97 2,733.26 1,982.02 2,858.72 3,339.21 2,902.21 3,060.34 2,960.62 3,021.35 2,810.24 3,440.72 2,980.45 3,398.12 2,824.30 3,043.36 2,796.24 3,174.69 2,797.17 3,038.50 3,392.94 3,023.47 2,882.42 3,378.24 n/a 2,949.75 2,748.27 2,823.41 2,953.88 3,062.43 3,009.19 3,313.71 n/a 3,062.34

3,255.12 3,523.09 3,127.16 3,140.35 3,244.80 2,955.07 3,143.50 3,098.25 2,398.31 2,850.47 3,058.11 2,782.87 2,593.80 2,953.91 2,919.44 2,840.04 2,893.99 2,814.82 3,462.91 2,827.20 2,851.29 2,626.67 1,943.79 2,732.09 3,260.22 2,816.02 2,955.02 2,817.82 2,950.46 2,767.36 3,341.44 2,883.25 3,272.90 2,794.80 2,843.07 2,707.76 3,059.70 2,707.95 2,956.32 3,246.45 2,932.06 2,749.90 3,286.78 n/a 2,756.88 2,730.98 2,715.20 2,873.22 3,045.05 2,905.79 3,248.32 n/a 2,987.02

3,161.02 3,424.58 3,001.93 3,038.19 3,055.94 2,903.05 3,057.32 3,085.87 2,432.04 2,847.42 2,970.18 2,705.54 2,524.42 2,819.50 2,830.87 2,676.59 2,782.06 2,765.73 3,330.22 2,696.13 2,787.79 2,527.30 1,752.22 2,645.33 3,129.14 2,735.07 2,751.66 2,716.01 2,912.06 2,712.94 3,301.70 2,838.85 3,133.45 2,722.29 2,634.35 2,604.61 2,896.35 2,589.64 2,825.83 3,129.63 2,858.90 2,561.02 3,189.30 n/a 2,678.07 2,627.09 2,633.88 2,717.02 2,972.57 2,749.98 3,040.58 n/a 2,879.34



Table 10A

Property Damage Liability 2010-2012 Residual Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

508 4,420 355 901 251,041 0 58,521 749 106,892 801,703 0 110,559 2,513 229,358 1,043 4,750 424,520 14,362 82 6,641 23,697,471 50,958,189 54,935 5,519 13,884 5,840 19,729 692 535 10,037 12,664,142 568 30,507,319 0 1,568 0 5,803 873 1,355,711 2,974,196 0 0 7,307 1,330,085 147 38,480 369,692 0 6,168 0 0 126,047,808 124,717,723

850 10,207 1,676 2,475 341,405 0 78,001 903 105,728 351,014 0 176,039 6,192 271,220 294 6,974 447,663 5,385 567 7,021 29,970,826 48,913,949 19,202 2,028 22,152 6,986 28,029 106 4,106 22,064 14,501,853 2,015 35,763,984 0 2,183 0 8,202 1,189 1,752,760 2,728,242 43 260 6,368 1,521,946 288 57,561 435,307 0 5,433 0 0 137,590,696 136,068,750

1,469 24,158 3,999 2,562 480,467 0 112,364 1,118 121,584 17,592 0 193,218 8,867 291,709 1,981 4,319 433,132 7,716 184 7,232 34,546,727 45,820,643 28,544 4,437 26,037 7,066 29,475 494 4,453 41,176 12,312,704 5,308 33,050,535 0 1,342 55 7,919 2,553 2,169,976 2,793,286 100 316 7,158 1,854,744 240 91,930 509,386 49 5,558 0 17 135,035,899 133,181,155

0 8 1 2 635 0 161 2 145 1,673 0 525 7 670 2 15 1,690 39 0 16 45,164 105,631 734 10 18 20 59 1 2 49 30,371 1 69,467 0 1 0 15 2 8,118 9,131 0 0 12 n/a 0 85 659 0 11 0 0 n/a 275,152

1 17 5 2 884 0 222 2 145 675 0 792 15 818 2 27 1,666 17 1 13 59,346 104,052 313 4 33 21 86 0 12 105 40,864 8 90,371 0 2 0 26 3 10,357 8,401 0 0 11 n/a 1 136 795 0 10 0 0 n/a 320,261

1 42 9 3 1,246 0 316 3 169 34 0 898 35 853 3 16 1,520 26 1 16 70,605 97,240 563 8 49 19 122 1 13 167 35,741 16 93,247 0 1 0 33 7 13,671 8,573 0 0 16 n/a 0 207 938 0 8 0 0 n/a 326,436



Table 10B

Property Damage Liability 2010-2012 Residual Business Incurred Losses STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Incurred Claims

2012

2011

2010

2012

2011

2010

0 0 0 0 182,825 0 38,031 0 86,390 768,622 0 99,603 0 208,580 0 0 351,083 1,231 0 0 20,462,691 41,308,028 5,308 8,052 0 3,932 13,393 26,116 0 28,122 8,684,227 0 29,303,896 0 0 0 10,099 0 1,492,161 3,211,279 0 0 0 1,244,395 0 23,244 219,759 0 13,943 0 0 107,795,010 106,550,615

0 11,593 0 0 287,689 0 65,064 0 67,203 206,122 0 177,822 0 227,563 0 0 320,512 0 0 2,012 26,241,012 40,532,303 1,669 0 0 2,206 13,773 0 0 13,681 11,705,566 0 36,032,744 0 0 0 4,610 0 1,780,718 2,870,467 0 0 0 1,274,847 0 47,791 252,968 0 11,312 0 0 122,151,247 120,876,400

0 2,018 0 0 461,928 0 113,757 0 135,731 16,444 0 140,170 12,355 293,766 0 0 230,262 954 0 0 31,446,041 38,268,985 22,610 3,480 7,530 8,082 13,398 0 1,298 114,200 12,141,467 5,107 37,554,949 0 0 899 16,198 0 2,320,279 2,952,687 0 0 565 1,290,799 0 70,490 258,117 0 1,623 0 0 127,906,189 126,615,390

0 0 0 0 70 0 11 0 29 230 0 26 0 61 0 0 107 1 0 0 5,688 14,136 5 2 0 1 4 2 0 11 2,679 0 7,707 0 0 0 2 0 534 828 0 0 0 n/a 0 6 69 0 3 0 0 n/a 32,212

0 3 0 0 113 0 15 0 25 85 0 48 0 61 0 0 110 0 0 1 7,253 14,863 3 0 0 1 3 0 0 8 3,674 0 9,833 0 0 0 2 0 660 770 0 0 0 n/a 0 4 84 0 3 0 0 n/a 37,622

0 2 0 0 169 0 33 0 59 5 0 47 0 73 0 0 75 1 0 0 9,222 14,400 6 1 2 1 3 0 1 13 3,857 2 11,207 0 0 1 4 0 930 717 0 0 1 n/a 0 13 88 0 1 0 0 n/a 40,934



Table 10C

Property Damage Liability 2010-2012 Residual Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

0.00 0.00 0.00 287.91 236.22 0.00 595.79 459.43 189.72 0.00 311.31 0.00 0.00 207.74 31.56 0.00 453.08 391.06 7.23 805.20 0.00 196.60 227.00 26,116.00 0.00 573.92 285.94 0.00 421.84 0.00 673.27 0.00 183.81 351.69 0.00 n/a 273.46 333.47 1,267.55 n/a 387.24

0.00 681.94 0.00 0.00 325.44 293.08 0.00 463.47 305.37 224.52 0.00 278.19 0.00 0.00 192.38 0.00 0.00 154.77 442.17 389.54 5.33 0.00 0.00 105.05 160.15 0.00 130.30 286.45 0.00 398.72 0.00 177.31 0.00 171.93 341.68 0.00 n/a 0.00 351.40 318.20 1,131.20 n/a 377.43

0.00 48.05 0.00 0.00 370.73 359.99 0.00 803.14 483.65 156.09 353.00 344.39 0.00 0.00 151.49 36.69 0.00 0.00 445.38 393.55 40.16 435.00 153.67 425.37 109.82 0.00 99.85 683.83 339.71 319.19 402.75 0.00 490.85 0.00 169.72 344.42 35.31 n/a 340.53 275.18 202.88 n/a 387.87

0.00 0.00 0.00 0.00 72.83 64.99 0.00 80.82 95.87 90.09 0.00 90.94 0.00 0.00 82.70 8.57 0.00 0.00 86.35 81.06 9.66 145.90 0.00 67.33 67.88 3,773.99 0.00 280.18 68.57 0.00 96.06 0.00 174.03 0.00 110.06 107.97 0.00 93.56 0.00 60.41 59.44 226.05 85.52 85.43

0.00 113.58 0.00 0.00 84.27 83.41 0.00 63.56 58.72 101.01 0.00 83.90 0.00 0.00 71.60 0.00 0.00 28.66 87.56 82.86 8.69 0.00 0.00 31.58 49.14 0.00 0.00 62.01 80.72 0.00 100.75 0.00 56.21 0.00 101.60 105.21 0.00 0.00 0.00 83.76 0.00 83.03 58.11 208.21 88.78 88.83

0.00 8.35 0.00 0.00 96.14 101.24 0.00 111.64 93.47 72.55 139.34 100.71 0.00 0.00 53.16 12.36 0.00 0.00 91.02 83.52 79.21 78.43 28.92 114.38 45.46 0.00 29.15 277.35 98.61 96.21 113.63 0.00 1,634.55 204.55 0.00 106.93 105.71 0.00 0.00 7.89 69.59 0.00 76.68 50.67 0.00 29.20 0.00 94.72 95.07



Table 10D

Property Damage Liability 2010-2012 Residual Business Frequency STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Severity

2012

2011

2010

2012

2011

2010

0.00 0.00 0.00 11.02 6.83 0.00 20.00 13.75 4.95 0.00 9.10 0.00 0.00 6.33 2.56 0.00 12.59 13.38 0.68 20.00 0.00 5.00 6.78 200.00 0.00 22.45 8.82 0.00 11.09 0.00 13.33 0.00 6.58 9.07 0.00 n/a 7.06 10.47 27.27 n/a 11.71

0.00 17.65 0.00 0.00 12.78 6.76 0.00 17.24 12.59 6.06 0.00 7.46 0.00 0.00 6.60 0.00 0.00 7.69 12.22 14.28 0.96 0.00 0.00 4.76 3.49 0.00 7.62 8.99 0.00 10.88 0.00 7.69 0.00 6.37 9.17 0.00 n/a 0.00 2.94 10.57 30.00 n/a 11.75

0.00 4.76 0.00 0.00 13.56 10.44 0.00 34.91 14.71 5.23 0.00 8.56 0.00 0.00 4.93 3.85 0.00 0.00 13.06 14.81 1.07 12.50 4.08 5.26 2.46 0.00 7.69 7.78 10.79 12.50 12.02 0.00 12.12 0.00 6.80 8.36 6.25 n/a 6.28 9.38 12.50 n/a 12.54

2,611.79 3,457.36 2,978.97 3,341.83 3,830.88 3,419.34 3,281.15 1,231.00 3,597.52 2,922.19 1,061.60 4,026.00 3,932.00 3,348.25 13,058.00 2,556.55 3,241.59 3,802.24 5,049.50 2,794.31 3,878.36 n/a 3,874.00 3,184.91 4,647.67 n/a 3,307.79

3,864.33 2,545.92 4,337.60 2,688.12 2,424.96 3,704.63 3,730.54 2,913.75 2,012.00 3,617.95 2,727.06 556.33 2,206.00 4,591.00 1,710.13 3,186.05 3,664.47 2,305.00 2,698.06 3,727.88 n/a 11,947.75 3,011.52 3,770.67 n/a 3,212.92

1,009.00 2,733.30 3,447.18 2,300.53 3,288.80 2,982.34 4,024.19 3,070.16 954.00 3,409.89 2,657.57 3,768.33 3,480.00 3,765.00 8,082.00 4,466.00 1,298.00 8,784.62 3,147.90 2,553.50 3,351.03 899.00 4,049.50 2,494.92 4,118.11 565.00 n/a 5,422.31 2,933.15 1,623.00 n/a 3,093.16



Table 11A

Property Damage Liability 2010-2012 Total Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

425,610,534 73,630,983 596,615,340 251,358,310 4,042,235,641 526,398,245 363,844,575 89,211,529 47,866,785 1,780,497,384 969,226,315 107,902,503 104,005,931 955,960,603 513,719,298 247,788,196 261,155,758 375,922,409 530,870,650 79,663,785 709,135,894 944,069,317 91,932,500 403,830,662 217,079,735 537,814,713 76,193,323 176,474,183 263,263,924 94,514,010 720,999,246 177,457,174 1,599,846,287 890,734,031 56,700,301 952,108,776 369,335,612 336,387,910 1,196,378,211 118,269,161 483,253,124 59,193,933 539,382,396 3,117,163,412 257,245,097 39,102,031 830,587,787 556,261,205 164,270,581 357,909,317 49,041,247 28,729,419,874 25,612,256,462

416,705,584 73,428,009 595,638,120 244,316,777 3,858,520,222 515,199,272 358,262,295 86,502,760 47,249,708 1,735,880,434 944,594,306 107,287,557 105,986,415 960,994,102 516,089,299 244,277,367 259,601,649 365,630,193 517,647,579 79,411,699 706,645,140 909,209,428 86,091,228 390,540,665 211,635,630 528,169,267 75,580,280 172,908,060 266,693,563 93,067,518 701,993,238 175,711,861 1,540,567,257 889,062,104 51,372,931 937,645,541 358,536,232 335,308,082 1,165,904,070 112,365,713 464,133,428 56,356,419 517,708,347 3,073,505,544 257,222,972 38,321,920 805,949,656 563,089,774 159,804,844 354,124,568 48,123,978 28,080,572,605 25,007,067,061

409,747,039 73,432,259 608,446,859 243,227,650 3,854,339,442 511,450,592 353,117,003 83,479,459 45,850,579 1,752,798,203 950,106,933 103,366,434 107,131,462 980,326,017 525,993,926 231,770,280 259,747,426 357,193,416 499,311,028 80,116,471 708,309,776 866,700,774 82,780,158 386,911,591 212,390,605 527,604,515 75,274,622 169,214,234 276,656,049 93,660,492 677,681,860 176,703,209 1,469,939,172 907,838,983 46,754,305 934,418,216 348,462,914 340,669,916 1,147,184,541 108,759,149 460,114,393 54,244,134 509,538,602 3,066,875,732 263,294,861 38,128,733 797,749,637 569,763,161 153,608,099 347,657,865 47,002,613 27,896,845,389 24,829,969,657

3,204,214 446,219 3,717,189 1,744,436 24,093,408 3,499,856 1,872,358 545,236 219,864 11,179,258 5,990,728 758,270 967,793 6,522,021 4,023,243 2,203,365 1,978,467 2,800,021 2,547,582 656,423 3,721,698 4,105,693 5,134,423 3,547,287 1,710,101 3,592,704 690,627 1,390,918 1,579,101 728,792 3,835,908 1,334,521 7,874,715 6,995,888 546,066 7,211,328 2,356,867 2,489,183 7,635,314 537,706 3,215,862 609,925 3,952,840 n/a 1,612,353 323,319 5,738,497 3,908,386 1,226,194 3,528,891 424,988 n/a 170,530,046

3,162,109 438,747 3,708,985 1,721,643 23,744,695 3,448,087 1,864,049 539,487 216,995 11,031,772 5,915,635 745,625 961,349 6,486,696 4,048,533 2,181,856 1,962,178 2,769,194 2,511,152 658,204 3,686,016 4,072,463 5,009,629 3,518,071 1,675,643 3,575,759 674,979 1,369,718 1,545,932 730,936 3,820,102 1,320,488 7,862,038 6,931,252 527,218 7,206,325 2,339,757 2,506,279 7,650,847 538,110 3,171,184 599,480 3,902,911 n/a 1,586,411 319,938 5,697,556 3,895,130 1,217,764 3,473,583 417,574 n/a 168,960,084

3,124,367 426,728 3,651,562 1,710,447 23,558,902 3,400,553 1,845,024 528,215 214,171 10,992,567 5,836,834 706,917 951,510 6,458,493 4,013,327 2,143,455 1,963,433 2,776,739 2,491,401 657,297 3,648,649 3,990,368 4,962,528 3,478,805 1,652,598 3,557,078 663,537 1,348,143 1,532,123 725,964 3,752,727 1,307,390 7,803,599 6,894,649 515,500 7,147,593 2,333,650 2,490,038 7,602,230 534,527 3,126,824 593,210 3,872,278 n/a 1,575,838 318,393 5,624,797 3,863,418 1,199,346 3,398,654 411,322 n/a 167,377,718



Table 11B

Property Damage Liability 2010-2012 Total Business Incurred Losses STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Incurred Claims

2012

2011

2010

2012

2011

2010

337,113,740 64,261,028 469,849,056 195,499,866 3,153,407,603 393,341,785 294,442,108 74,496,989 35,447,539 1,395,967,493 797,581,210 85,230,065 77,812,807 778,045,972 414,772,522 188,314,557 197,755,045 296,036,639 425,144,922 62,668,786 576,755,938 628,775,829 41,813,973 316,585,515 170,633,682 393,364,022 55,433,164 134,378,996 195,783,673 79,866,920 600,017,059 133,381,046 1,330,237,411 714,913,337 45,111,736 756,690,926 289,164,109 264,780,401 974,160,970 103,235,185 374,003,559 43,112,290 417,077,507 2,221,806,854 192,512,407 29,657,873 670,277,366 450,203,261 125,503,328 287,121,611 36,046,502 22,389,596,182 20,167,789,328

322,712,991 58,311,709 453,910,991 191,847,054 2,977,527,224 382,539,793 298,477,341 72,396,694 35,099,300 1,368,627,355 767,352,397 81,554,567 72,891,068 753,221,405 390,445,400 179,371,046 195,584,117 291,955,738 404,568,815 66,576,965 577,073,836 632,352,962 39,316,828 311,581,169 166,858,003 391,471,093 55,012,614 130,969,601 180,981,142 80,494,161 588,221,116 130,072,158 1,289,194,814 685,928,218 45,562,978 751,022,771 273,923,937 251,335,613 983,449,976 102,643,471 364,047,784 44,647,321 406,952,583 1,998,829,644 177,987,192 31,336,632 647,904,197 429,527,002 125,567,850 277,136,396 37,794,193 21,574,169,225 19,575,339,581

308,944,985 55,161,800 413,725,372 186,933,832 2,787,242,197 353,658,484 281,525,148 71,965,688 36,054,529 1,360,381,295 743,822,672 78,522,310 70,299,661 724,836,446 385,109,245 181,304,017 186,188,477 292,021,035 385,080,560 61,067,247 569,034,821 594,889,465 41,499,445 305,079,197 161,715,396 381,771,232 50,852,989 127,961,931 174,643,238 76,749,414 571,459,121 125,641,085 1,249,360,406 689,165,224 42,225,919 711,561,264 263,708,854 242,550,534 929,836,196 97,965,195 355,887,098 42,615,300 391,678,682 1,969,415,339 170,298,616 28,637,468 609,258,027 407,635,052 123,699,055 255,124,281 34,556,199 20,760,321,043 18,790,905,704

99,094 17,723 147,568 60,251 985,772 127,741 90,327 23,203 14,388 478,282 254,324 29,343 28,526 258,851 133,755 63,485 65,504 101,081 119,651 21,903 197,780 229,069 21,099 110,743 51,100 135,539 18,113 45,382 64,800 28,421 174,542 44,752 390,546 253,129 14,823 270,610 91,083 94,660 320,649 30,308 123,700 14,957 123,460 n/a 65,264 10,789 237,391 152,411 40,980 95,415 10,878 n/a 6,583,165

99,140 16,551 145,151 61,091 917,654 129,452 94,945 23,367 14,632 480,154 250,924 29,290 28,102 254,975 133,740 63,158 67,582 103,721 116,829 23,549 200,440 240,175 20,229 114,045 51,180 139,016 18,615 46,479 61,340 29,090 176,209 45,113 392,724 245,430 16,026 277,359 89,527 92,814 332,718 31,503 124,161 16,236 123,815 n/a 64,561 11,461 238,612 149,493 41,236 95,374 11,635 n/a 6,550,623

97,736 16,109 137,820 61,528 912,090 121,823 92,078 23,321 14,828 477,759 250,430 29,018 27,843 257,049 136,039 67,737 66,917 105,586 115,632 22,650 202,059 234,643 23,677 115,327 51,680 139,582 18,479 47,114 59,973 28,261 173,260 44,258 397,939 253,156 16,029 273,194 91,047 93,662 329,158 31,076 124,484 16,640 122,811 n/a 63,590 10,887 231,306 150,030 41,614 92,773 11,365 n/a 6,523,067



Table 11C

Property Damage Liability 2010-2012 Total Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

105.21 144.01 126.40 112.07 130.88 112.39 157.26 136.63 161.22 124.87 133.14 112.40 80.40 119.30 103.09 85.47 99.95 105.73 166.88 95.47 154.97 153.15 8.14 89.25 99.78 109.49 80.26 96.61 123.98 109.59 156.42 99.95 168.93 102.19 82.61 104.93 122.69 106.37 127.59 191.99 116.30 70.68 105.51 n/a 119.40 91.73 116.80 115.19 102.35 81.36 84.82 n/a 118.27

102.06 132.91 122.38 111.43 125.40 110.94 160.12 134.20 161.75 124.06 129.72 109.38 75.82 116.12 96.44 82.21 99.68 105.43 161.11 101.15 156.56 155.28 7.85 88.57 99.58 109.48 81.50 95.62 117.07 110.12 153.98 98.50 163.98 98.96 86.42 104.22 117.07 100.28 128.54 190.75 114.80 74.48 104.27 n/a 112.19 97.95 113.72 110.27 103.11 79.78 90.51 n/a 115.86

98.88 129.27 113.30 109.29 118.31 104.00 152.59 136.24 168.34 123.75 127.44 111.08 73.88 112.23 95.96 84.58 94.83 105.17 154.56 92.91 155.96 149.08 8.36 87.70 97.86 107.33 76.64 94.92 113.99 105.72 152.28 96.10 160.10 99.96 81.91 99.55 113.00 97.41 122.31 183.27 113.82 71.84 101.15 n/a 108.07 89.94 108.32 105.51 103.14 75.07 84.01 n/a 112.27

79.21 87.27 78.75 77.78 78.01 74.72 80.93 83.51 74.05 78.40 82.29 78.99 74.82 81.39 80.74 76.00 75.72 78.75 80.08 78.67 81.33 66.60 45.48 78.40 78.60 73.14 72.75 76.15 74.37 84.50 83.22 75.16 83.15 80.26 79.56 79.48 78.29 78.71 81.43 87.29 77.39 72.83 77.33 71.28 74.84 75.85 80.70 80.93 76.40 80.22 73.50 77.93 78.74

77.44 79.41 76.21 78.52 77.17 74.25 83.31 83.69 74.28 78.84 81.24 76.01 68.77 78.38 75.65 73.43 75.34 79.85 78.16 83.84 81.66 69.55 45.67 79.78 78.84 74.12 72.79 75.75 67.86 86.49 83.79 74.03 83.68 77.15 88.69 80.10 76.40 74.96 84.35 91.35 78.44 79.22 78.61 65.03 69.20 81.77 80.39 76.28 78.58 78.26 78.54 76.83 78.28

75.40 75.12 68.00 76.86 72.31 69.15 79.73 86.21 78.63 77.61 78.29 75.96 65.62 73.94 73.22 78.23 71.68 81.75 77.12 76.22 80.34 68.64 50.13 78.85 76.14 72.36 67.56 75.62 63.13 81.94 84.33 71.10 84.99 75.91 90.31 76.15 75.68 71.20 81.05 90.08 77.35 78.56 76.87 64.22 64.68 75.11 76.37 71.54 80.53 73.38 73.52 74.42 75.68



Table 11D

Property Damage Liability 2010-2012 Total Business Frequency STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Severity

2012

2011

2010

2012

2011

2010

3.09 3.97 3.97 3.45 4.09 3.65 4.82 4.26 6.54 4.28 4.25 3.87 2.95 3.97 3.32 2.88 3.31 3.61 4.70 3.34 5.31 5.58 0.41 3.12 2.99 3.77 2.62 3.26 4.10 3.90 4.55 3.35 4.96 3.62 2.71 3.75 3.86 3.80 4.20 5.64 3.85 2.45 3.12 n/a 4.05 3.34 4.14 3.90 3.34 2.70 2.56 n/a 3.86

3.14 3.77 3.91 3.55 3.86 3.75 5.09 4.33 6.74 4.35 4.24 3.93 2.92 3.93 3.30 2.89 3.44 3.75 4.65 3.58 5.44 5.90 0.40 3.24 3.05 3.89 2.76 3.39 3.97 3.98 4.61 3.42 5.00 3.54 3.04 3.85 3.83 3.70 4.35 5.85 3.92 2.71 3.17 n/a 4.07 3.58 4.19 3.84 3.39 2.75 2.79 n/a 3.88

3.13 3.78 3.77 3.60 3.87 3.58 4.99 4.42 6.92 4.35 4.29 4.10 2.93 3.98 3.39 3.16 3.41 3.80 4.64 3.45 5.54 5.88 0.48 3.32 3.13 3.92 2.78 3.49 3.91 3.89 4.62 3.39 5.10 3.67 3.11 3.82 3.90 3.76 4.33 5.81 3.98 2.81 3.17 n/a 4.04 3.42 4.11 3.88 3.47 2.73 2.76 n/a 3.90

3,401.96 3,625.85 3,183.95 3,244.76 3,198.92 3,079.21 3,259.74 3,210.66 2,463.69 2,918.71 3,136.08 2,904.61 2,727.79 3,005.77 3,100.99 2,966.28 3,018.98 2,928.71 3,553.21 2,861.20 2,916.15 2,744.92 1,981.80 2,858.74 3,339.21 2,902.22 3,060.41 2,961.06 3,021.35 2,810.14 3,437.67 2,980.45 3,406.10 2,824.30 3,043.36 2,796.24 3,174.73 2,797.17 3,038.09 3,406.20 3,023.47 2,882.42 3,378.24 n/a 2,949.75 2,748.90 2,823.52 2,953.88 3,062.55 3,009.19 3,313.71 n/a 3,063.54

3,255.12 3,523.15 3,127.16 3,140.35 3,244.72 2,955.07 3,143.69 3,098.25 2,398.80 2,850.39 3,058.11 2,784.38 2,593.80 2,954.10 2,919.44 2,840.04 2,894.03 2,814.82 3,462.91 2,827.17 2,879.04 2,632.88 1,943.59 2,732.09 3,260.22 2,816.01 2,955.28 2,817.82 2,950.46 2,767.07 3,338.20 2,883.25 3,282.70 2,794.80 2,843.07 2,707.76 3,059.68 2,707.95 2,955.81 3,258.21 2,932.06 2,749.90 3,286.78 n/a 2,756.88 2,734.20 2,715.30 2,873.22 3,045.10 2,905.79 3,248.32 n/a 2,988.32

3,161.02 3,424.28 3,001.93 3,038.19 3,055.89 2,903.05 3,057.46 3,085.87 2,431.52 2,847.42 2,970.18 2,705.99 2,524.86 2,819.84 2,830.87 2,676.59 2,782.38 2,765.72 3,330.22 2,696.13 2,816.18 2,535.30 1,752.73 2,645.34 3,129.17 2,735.10 2,751.93 2,716.01 2,912.03 2,715.74 3,298.27 2,838.83 3,139.58 2,722.29 2,634.35 2,604.60 2,896.40 2,589.64 2,824.89 3,152.44 2,858.90 2,561.02 3,189.28 n/a 2,678.07 2,630.43 2,633.99 2,717.02 2,972.53 2,749.98 3,040.58 n/a 2,880.69


Combined Single Limits Liability



`

BI/PD Combined Single Limits Liability The limits of coverage for bodily injury (BI) liability and property damage (PD) liability can be offered on a single limit basis. In a combined single limit

liability policy, the selected coverage limit applies to damages resulting from a single accident for bodily injury, property damage, or both.

BI/PD Combined Single Limits Liability State-Specific Information and Technical Notes Voluntary Market Business and Residual Market Business BI/PD Combined Single Limit Data Texas—Data for each component of BI/PD combined single limit coverage is separated and included in data for bodily injury liability1 or for property damage liability.2 BI/PD Combined Single Limit Liability Required Limits Tennessee—The minimum limit for BI/PD combined single limit liability coverage is $60,000. BI/PD Combined Single Limit Earned Premiums and Exposures In Tables 12A–12D-2, the earned premium amount and the earned exposure number reported for BI/PD combined single limit liability represent both the bodily injury (CSLBI) and property damage (CSL-PD) components. Except: Texas—Earned exposure data are not available, as indicated by “n/a.” Because the results for pure premium and claim frequency are calculated using earned exposures, there is no data in these columns for Texas.

BI/PD Combined Single Limit Incurred Losses and Incurred Claims The BI/PD combined single limit incurred claims and incurred losses are reported for the CSL-BI component and the CSL-PD component separately. Except: Texas—Incurred claims data are not available, as indicated by “n/a.” Because the results for frequency and severity are calculated using incurred claims, there is no data in these columns for Texas. BI/PD Combined Single Limit Loss Development Incurred losses for the bodily injury component are developed to 63 months. Except: California—BI incurred losses are developed to 39 months. ISO develops BI losses to 87 months. Incurred losses for the property damage component are developed to 39 months. Calculations—Loss Experience Incurred losses for each component were added together to calculate the BI/PD combined single limit pure premium and loss ratio. CSL-BI and CSL-PD claims could not be combined, so the BI/PD combined single limit frequency and severity are not shown.

1 2

See Bodily Injury Liability, Page 37. See Property Damage Liability, Page 53.


However, pure premium, loss ratio, frequency, and severity were calculated for the CSL-BI and CSL-PD components individually. BI/PD combined single limit pure premium= (CSL-BI incurred losses + CSL-PD incurred losses)/(BI/PD CSL earned exposures)

CSL-BI frequency=(CSL-BI-incurred claims)/ (BI/PD combined single limit earned exposures) CSL-BI severity=(CSL-BI incurred losses)/ (CSL-BI incurred claims) CSL-PD pure premium=(CSL-PD incurred losses) /(BI/PD combined single limit earned exposures)

BI/PD combined single limit loss ratio= (CSL-BI incurred losses + CSL-PD incurred losses)/(BI/PD CSL earned premium)

CSL-PD loss ratio=(CSL-PD incurred losses)/ (BI/PD combined single limit earned premium)

CSL-BI pure premium=(CSL-BI incurred losses)/ (BI/PD combined single limit earned exposures)

CSL-PD frequency=(CSL-PD incurred claims)/ (BI/PD combined single limit earned exposures)

CSL-BI loss ratio=(CSL-BI incurred losses)/ (BI/PD combined single limit earned premium)

CSL-PD severity=(CSL-PD incurred losses)/ (CSL-PD incurred claims)



Table 12A

BI/PD Combined Single Limits Liability 2010-2012 Voluntary Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

23,310,523 764,408 52,124,834 63,172,052 137,948,307 50,472,754 210,467,878 28,782,371 6,417,136 174,440,870 121,078,342 10,806,734 13,635,131 90,728,448 54,634,262 26,183,799 38,787,183 67,497,978 75,049,262 39,976,672 79,313,250 0 39,626,089 45,178,201 25,780,365 102,098,821 11,088,116 14,563,248 30,322,973 24,809,389 634,397,697 11,859,773 514,984,590 36,253 4,848,631 151,639,471 62,820,340 36,775,947 205,881,310 54,598,151 41,657,661 2,149,649 79,776,885 0 19,634,956 11,433,969 69,854,453 68,751,193 17,069,331 64,532,432 958,156 3,712,720,244 3,712,720,244

23,275,276 756,627 47,927,734 63,445,496 136,888,885 48,951,140 206,800,385 28,074,530 6,216,254 170,126,067 112,848,787 10,767,273 11,997,504 86,414,323 55,074,442 26,963,741 38,216,040 62,844,601 69,064,429 41,733,728 74,221,780 0 35,499,754 44,476,510 23,285,752 101,578,199 11,363,286 14,214,523 27,208,032 24,168,896 609,736,897 11,380,361 512,027,443 34,294 4,296,079 155,340,759 59,680,471 34,352,840 204,048,418 54,089,729 38,670,350 2,279,834 75,234,038 0 18,765,640 12,036,069 69,610,779 64,645,520 17,650,494 63,544,528 923,565 3,612,752,102 3,612,752,102

23,259,509 727,296 46,374,232 61,801,569 135,227,960 51,675,441 204,062,873 28,087,374 5,937,678 168,407,907 109,882,442 10,679,393 12,111,880 85,580,797 55,898,038 33,845,639 36,098,619 59,810,183 65,099,425 44,268,220 72,476,120 0 33,045,357 47,251,969 23,674,417 103,902,890 12,192,853 16,711,566 26,611,037 23,383,639 588,598,907 11,234,573 518,849,578 31,803 4,246,708 160,908,188 55,378,165 36,610,547 207,448,848 54,631,434 36,600,510 3,143,238 71,983,275 0 19,650,263 12,430,677 70,252,592 61,356,998 17,613,390 63,732,837 1,306,708 3,594,095,562 3,594,095,562

71,812 1,784 130,925 227,636 307,858 151,515 424,616 59,976 12,541 298,900 328,644 37,177 53,591 256,182 206,516 124,258 177,461 198,599 116,483 166,901 193,241 0 300,116 169,909 81,866 380,012 35,433 59,086 61,280 74,947 1,384,897 33,733 1,250,331 166 34,600 551,157 201,767 108,461 598,006 102,137 119,571 10,771 263,268 n/a 59,733 49,598 223,670 190,335 43,982 226,249 3,656 n/a 10,165,353

72,882 1,868 121,842 226,156 310,296 147,630 421,435 59,399 12,424 310,674 330,870 37,257 48,214 251,965 217,905 128,524 175,775 192,586 110,616 174,471 191,716 0 277,079 168,869 75,311 375,713 37,241 58,665 55,954 74,370 1,384,090 32,929 1,271,281 153 30,800 560,832 194,522 103,968 602,998 103,182 117,976 11,340 253,444 n/a 57,413 52,778 226,219 176,223 45,691 226,027 3,493 n/a 10,123,066

76,330 1,933 118,084 225,376 311,816 155,469 422,759 60,966 12,098 323,452 335,955 36,723 48,758 255,776 221,794 160,873 166,792 189,229 105,884 182,555 192,031 0 264,466 183,708 74,997 379,209 40,331 71,288 54,939 73,872 1,389,704 32,585 1,299,592 147 31,118 579,505 184,885 112,734 621,510 107,637 116,145 17,600 248,397 n/a 60,197 54,752 233,062 166,105 46,684 228,951 5,090 n/a 10,283,863



Table 12B-1

BI/PD Combined Single Limits Liability 2010-2012 Voluntary Business Incurred Losses - Bodily Injury STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Incurred Claims - Bodily Injury

2012

2011

2010

2012

2011

2010

9,522,220 281,491 28,719,139 27,300,887 50,963,639 26,906,370 96,954,825 11,477,892 2,769,973 79,223,668 67,866,109 2,532,304 9,180,880 50,942,121 28,666,218 12,638,084 17,470,668 35,629,620 35,148,037 18,143,296 31,936,718 0 34,485,641 18,030,993 11,807,136 61,436,386 4,924,396 10,238,358 20,370,238 8,113,086 207,095,043 8,080,725 201,434,637 0 2,444,775 68,931,681 27,251,409 18,029,132 72,755,877 25,666,884 19,892,719 1,207,194 39,200,163 0 10,485,710 4,481,697 28,509,809 42,372,783 5,456,735 33,951,916 675,655 1,631,604,937 1,631,604,937

7,915,374 509,519 26,611,585 21,415,920 54,659,755 28,314,524 103,419,078 11,384,502 2,044,114 98,041,235 63,502,561 2,989,946 6,332,977 48,392,995 26,002,963 11,298,115 15,601,386 29,446,324 39,024,786 14,931,897 31,471,163 0 28,430,206 21,830,881 13,371,938 45,732,559 4,888,692 8,170,235 18,621,294 7,324,547 247,687,425 5,471,474 220,403,049 0 2,893,222 66,062,621 22,355,889 19,900,896 73,083,649 27,734,940 16,447,534 1,603,301 30,520,117 0 8,711,017 5,383,596 29,077,168 43,020,682 8,032,759 32,704,760 627,960 1,653,403,130 1,653,403,130

9,026,896 226,651 22,953,017 25,420,203 55,882,073 26,667,886 105,100,035 12,753,343 1,986,420 105,474,196 62,959,455 2,907,839 4,281,203 43,813,276 24,915,106 14,050,850 12,658,808 30,553,982 34,725,200 17,608,983 30,385,217 0 25,856,999 20,011,641 11,954,331 47,519,279 5,869,607 9,682,661 17,687,265 8,725,329 271,074,566 6,175,719 243,463,907 0 281,242 64,916,941 24,406,128 20,087,426 83,714,099 23,924,766 16,201,014 2,538,912 30,017,619 0 7,853,561 6,048,308 25,064,100 40,367,933 7,961,322 38,101,909 487,293 1,704,344,516 1,704,344,516

608 22 1,468 1,464 2,017 1,036 4,107 799 218 3,761 5,419 134 678 2,138 1,696 712 589 2,134 2,078 658 2,687 0 451 559 638 2,150 275 401 853 404 6,371 379 6,791 0 64 4,735 1,584 1,838 2,641 1,312 1,603 67 2,213 n/a 526 181 1,756 3,299 398 1,104 15 n/a 77,031

606 21 1,625 1,563 1,998 1,122 4,046 737 178 4,179 5,188 208 643 2,144 1,561 685 503 1,928 2,144 711 2,780 0 492 623 649 2,341 312 399 920 427 6,695 364 6,893 0 79 5,217 1,618 2,068 2,760 1,451 1,495 80 2,068 n/a 563 207 2,082 3,528 438 1,253 20 n/a 79,612

552 20 1,401 1,581 1,983 980 3,712 976 185 4,391 4,952 124 349 2,155 1,537 795 527 1,771 1,962 870 2,615 0 402 675 639 2,456 303 430 787 427 6,243 367 7,159 0 45 5,485 1,689 1,924 2,896 1,421 1,466 74 1,912 n/a 514 212 1,807 2,471 457 1,280 17 n/a 76,996



Table 12B-2

BI/PD Combined Single Limits Liability 2010-2012 Voluntary Business Incurred Losses - Property Damage STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Incurred Claims - Property Damage

2012

2011

2010

2012

2011

2010

7,788,668 374,087 15,112,076 20,671,202 37,961,975 15,453,217 57,046,760 7,420,882 2,049,531 34,944,393 45,455,517 3,693,757 3,323,279 29,546,903 16,008,675 12,024,789 14,595,208 20,512,092 15,941,280 12,495,889 25,999,770 0 3,837,401 15,874,135 7,726,520 31,029,210 2,452,930 6,528,793 6,516,322 7,273,251 178,499,931 3,389,582 147,801,553 0 2,459,097 47,791,573 21,833,291 9,163,545 67,742,435 15,885,585 11,593,206 956,577 27,977,383 0 6,955,346 3,915,465 21,656,629 16,678,131 4,286,456 18,318,727 424,011 1,086,987,035 1,086,987,035

7,681,510 254,203 14,870,531 21,080,331 35,465,639 16,035,382 56,111,229 6,778,158 1,755,440 35,746,481 43,198,160 3,934,434 3,119,853 28,777,642 16,470,324 11,976,712 14,212,823 18,990,072 15,895,596 13,164,475 25,030,609 0 3,067,666 16,787,407 6,821,590 33,438,265 2,352,181 6,493,234 6,326,912 7,909,521 183,869,288 3,314,005 152,396,643 5,775 1,890,287 48,591,409 21,421,531 8,960,989 70,729,397 15,220,747 11,183,702 1,015,747 25,655,369 0 6,145,948 4,054,889 21,520,513 15,433,993 4,080,799 17,379,333 430,808 1,087,047,552 1,087,047,552

8,086,144 254,272 13,155,857 21,577,032 35,377,522 15,173,603 51,353,185 7,889,334 1,937,298 37,178,468 44,134,742 3,646,106 2,732,120 26,947,811 15,736,374 12,655,146 13,551,853 18,731,113 15,095,861 12,680,774 25,421,206 0 3,111,527 16,697,634 6,341,942 32,475,191 2,545,751 6,157,480 5,843,630 7,322,332 181,549,669 3,171,940 149,373,681 641 1,579,231 47,838,988 20,806,647 8,775,248 68,366,935 14,670,257 11,315,245 966,026 24,856,641 0 5,639,363 4,237,281 21,644,532 14,858,171 4,450,765 15,429,516 446,478 1,063,788,563 1,063,788,563

2,147 63 4,531 5,885 10,964 4,718 16,312 2,181 759 11,037 13,822 1,379 1,153 9,399 5,244 4,027 4,551 6,329 4,473 4,188 8,761 0 1,841 5,397 2,210 10,479 732 2,039 2,013 2,537 47,958 1,030 42,659 0 626 16,266 6,384 3,197 21,115 4,244 3,909 297 8,333 n/a 2,220 1,342 7,519 5,523 1,282 5,437 131 n/a 328,643

2,241 70 4,351 6,273 10,404 4,919 16,855 2,266 728 11,561 13,794 1,452 1,119 9,458 5,393 4,165 4,810 6,060 4,376 4,662 8,498 0 1,503 5,684 2,060 11,484 796 2,131 1,953 2,718 50,565 1,047 45,716 1 620 17,251 6,466 3,181 22,015 4,352 3,789 375 8,024 n/a 2,063 1,448 7,670 5,250 1,342 5,482 108 n/a 338,549

2,320 62 4,048 6,425 10,602 4,836 16,478 2,426 758 12,298 14,363 1,269 1,096 9,450 5,634 4,764 4,790 6,076 4,308 4,778 8,622 0 1,482 5,921 1,983 11,548 920 2,230 1,818 2,674 50,718 1,044 48,792 1 577 17,483 6,368 3,273 22,322 4,301 3,912 373 7,920 n/a 2,041 1,526 7,906 5,299 1,372 5,578 113 n/a 344,898



Table 12C

BI/PD Combined Single Limits Liability 2010-2012 Voluntary Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

241.06 367.48 334.78 210.74 288.85 279.57 362.68 315.11 384.30 381.96 344.82 167.47 233.33 314.19 216.33 198.48 180.69 282.69 438.60 183.58 299.81 127.69 199.55 238.61 243.32 208.20 283.78 438.75 205.30 278.43 340.03 279.31 0.00 141.73 211.78 243.27 250.71 234.94 406.83 263.32 200.89 255.17 n/a 291.98 169.30 224.29 310.25 221.53 231.03 300.78 n/a 267.44

214.00 408.84 340.46 187.91 290.45 300.41 378.54 305.77 305.82 430.64 322.49 185.85 196.06 306.28 194.92 181.09 169.62 251.51 496.50 161.04 294.72 113.68 228.69 268.14 210.72 194.43 249.95 445.87 204.84 311.80 266.80 293.25 37.75 155.31 204.44 225.05 277.60 238.50 416.31 234.21 230.96 221.65 n/a 258.77 178.83 223.67 331.71 265.12 221.58 303.11 n/a 270.71

224.20 248.80 305.79 208.53 292.67 269.13 370.08 338.59 324.33 441.03 318.78 178.47 143.84 276.65 183.28 166.01 157.15 260.45 470.52 165.92 290.61 109.54 199.82 243.96 210.95 208.66 222.20 428.31 217.24 325.70 286.87 302.28 4.36 59.79 194.57 244.55 256.02 244.70 358.57 236.91 199.14 220.91 n/a 224.15 187.86 200.41 332.48 265.87 233.81 183.45 n/a 269.17

74.26 85.76 84.09 75.94 64.46 83.93 73.17 65.66 75.10 65.45 93.59 57.61 91.71 88.71 81.77 94.19 82.67 83.18 68.07 76.64 73.05 96.71 75.05 75.77 90.56 66.53 115.13 88.67 62.02 60.78 96.72 67.81 0.00 101.14 76.97 78.14 73.94 68.24 76.11 75.58 100.66 84.21 88.83 73.44 71.82 85.89 57.08 81.00 114.77 73.22 73.22

67.01 100.94 86.55 66.98 65.84 90.60 77.14 64.69 61.12 78.64 94.55 64.31 78.79 89.30 77.12 86.32 78.01 77.07 79.52 67.32 76.13 88.73 86.83 86.72 77.94 63.72 103.16 91.69 63.03 70.78 77.20 72.81 16.84 111.35 73.81 73.35 84.02 70.48 79.42 71.45 114.88 74.67 79.17 78.42 72.69 90.42 68.63 78.82 114.64 75.85 75.85

73.57 66.12 77.86 76.05 67.49 80.97 76.67 73.49 66.08 84.71 97.46 61.37 57.90 82.68 72.72 78.91 72.61 82.40 76.53 68.42 77.00 87.66 77.69 77.28 76.99 69.02 94.79 88.43 68.63 76.90 83.20 75.71 2.02 43.81 70.07 81.64 78.84 73.31 70.65 75.18 111.51 76.23 68.67 82.74 66.49 90.01 70.47 83.99 71.46 77.02 77.02



Table 12C-1

BI/PD Combined Single Limits Liability 2010-2012 Voluntary Business Pure Premium - Bodily Injury Component STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio - Bodily Injury Component

2012

2011

2010

2012

2011

2010

132.60 157.79 219.36 119.93 165.54 177.58 228.34 191.37 220.87 265.05 206.50 68.11 171.31 198.85 138.81 101.71 98.45 179.40 301.74 108.71 165.27 114.91 106.12 144.23 161.67 138.98 173.28 332.41 108.25 149.54 239.55 161.11 0.00 70.66 125.07 135.06 166.23 121.66 251.30 166.37 112.08 148.90 n/a 175.54 90.36 127.46 222.62 124.07 150.06 184.81 n/a 160.51

108.61 272.76 218.41 94.70 176.15 191.79 245.40 191.66 164.53 315.58 191.93 80.25 131.35 192.06 119.33 87.91 88.76 152.90 352.80 85.58 164.16 102.61 129.28 177.56 121.72 131.27 139.27 332.80 98.49 178.95 166.16 173.37 0.00 93.94 117.79 114.93 191.41 121.20 268.80 139.41 141.38 120.42 n/a 151.73 102.00 128.54 244.13 175.81 144.69 179.78 n/a 163.33

118.26 117.25 194.38 112.79 179.21 171.53 248.61 209.19 164.19 326.09 187.40 79.18 87.81 171.30 112.33 87.34 75.90 161.47 327.96 96.46 158.23 97.77 108.93 159.40 125.31 145.54 135.82 321.94 118.11 195.06 189.53 187.34 0.00 9.04 112.02 132.01 178.18 134.69 222.27 139.49 144.26 120.85 n/a 130.46 110.47 107.54 243.03 170.54 166.42 95.74 n/a 165.73

40.85 36.82 55.10 43.22 36.94 53.31 46.07 39.88 43.17 45.42 56.05 23.43 67.33 56.15 52.47 48.27 45.04 52.79 46.83 45.38 40.27 87.03 39.91 45.80 60.17 44.41 70.30 67.18 32.70 32.64 68.14 39.11 0.00 50.42 45.46 43.38 49.02 35.34 47.01 47.75 56.16 49.14 53.40 39.20 40.81 61.63 31.97 52.61 70.52 43.95 43.95

34.01 67.34 55.52 33.75 39.93 57.84 50.01 40.55 32.88 57.63 56.27 27.77 52.79 56.00 47.21 41.90 40.82 46.86 56.50 35.78 42.40 80.09 49.08 57.43 45.02 43.02 57.48 68.44 30.31 40.62 48.08 43.05 0.00 67.35 42.53 37.46 57.93 35.82 51.28 42.53 70.33 40.57 46.42 44.73 41.77 66.55 45.51 51.47 67.99 45.77 45.77

38.81 31.16 49.50 41.13 41.32 51.61 51.50 45.41 33.45 62.63 57.30 27.23 35.35 51.20 44.57 41.51 35.07 51.08 53.34 39.78 41.92 78.25 42.35 50.49 45.73 48.14 57.94 66.47 37.31 46.05 54.97 46.92 0.00 6.62 40.34 44.07 54.87 40.35 43.79 44.26 80.77 41.70 39.97 48.66 35.68 65.79 45.20 59.78 37.29 47.42 47.42



Table 12C-2

BI/PD Combined Single Limits Liability 2010-2012 Voluntary Business Pure Premium - Property Damage Component STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio - Property Damage Component

2012

2011

2010

2012

2011

2010

108.46 209.69 115.43 90.81 123.31 101.99 134.35 123.73 163.43 116.91 138.31 99.36 62.01 115.34 77.52 96.77 82.24 103.28 136.85 74.87 134.55 12.79 93.43 94.38 81.65 69.23 110.50 106.34 97.05 128.89 100.48 118.21 0.00 71.07 86.71 108.21 84.49 113.28 155.53 96.96 88.81 106.27 n/a 116.44 78.94 96.82 87.63 97.46 80.97 115.98 n/a 106.93

105.40 136.08 122.05 93.21 114.30 108.62 133.14 114.11 141.29 115.06 130.56 105.60 64.71 114.21 75.58 93.19 80.86 98.61 143.70 75.45 130.56 11.07 99.41 90.58 89.00 63.16 110.68 113.07 106.35 132.84 100.64 119.88 37.75 61.37 86.64 110.12 86.19 117.30 147.51 94.80 89.57 101.23 n/a 107.05 76.83 95.13 87.58 89.31 76.89 123.33 n/a 107.38

105.94 131.54 111.41 95.74 113.46 97.60 121.47 129.41 160.13 114.94 131.37 99.29 56.03 105.36 70.95 78.67 81.25 98.99 142.57 69.46 132.38 11.77 90.89 84.56 85.64 63.12 86.37 106.37 99.12 130.64 97.34 114.94 4.36 50.75 82.55 112.54 77.84 110.00 136.29 97.42 54.89 100.07 n/a 93.68 77.39 92.87 89.45 95.34 67.39 87.72 n/a 103.44

33.41 48.94 28.99 32.72 27.52 30.62 27.10 25.78 31.94 20.03 37.54 34.18 24.37 32.57 29.30 45.92 37.63 30.39 21.24 31.26 32.78 9.68 35.14 29.97 30.39 22.12 44.83 21.49 29.32 28.14 28.58 28.70 0.00 50.72 31.52 34.76 24.92 32.90 29.10 27.83 44.50 35.07 35.42 34.24 31.00 24.26 25.11 28.39 44.25 29.28 29.28

33.00 33.60 31.03 33.23 25.91 32.76 27.13 24.14 28.24 21.01 38.28 36.54 26.00 33.30 29.91 44.42 37.19 30.22 23.02 31.54 33.72 8.64 37.74 29.30 32.92 20.70 45.68 23.25 32.73 30.16 29.12 29.76 16.84 44.00 31.28 35.89 26.09 34.66 28.14 28.92 44.55 34.10 32.75 33.69 30.92 23.87 23.12 27.35 46.65 30.09 30.09

34.76 34.96 28.37 34.91 26.16 29.36 25.17 28.09 32.63 22.08 40.17 34.14 22.56 31.49 28.15 37.39 37.54 31.32 23.19 28.65 35.08 9.42 35.34 26.79 31.26 20.88 36.85 21.96 31.31 30.84 28.23 28.79 2.02 37.19 29.73 37.57 23.97 32.96 26.85 30.92 30.73 34.53 28.70 34.09 30.81 24.22 25.27 24.21 34.17 29.60 29.60



Table 12D-1

BI/PD Combined Single Limits Liability 2010-2012 Voluntary Business Frequency - Bodily Injury Component STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Severity - Bodily Injury Component

2012

2011

2010

2012

2011

2010

0.85 1.23 1.12 0.64 0.66 0.68 0.97 1.33 1.74 1.26 1.65 0.36 1.27 0.83 0.82 0.57 0.33 1.07 1.78 0.39 1.39 0.15 0.33 0.78 0.57 0.78 0.68 1.39 0.54 0.46 1.12 0.54 0.00 0.18 0.86 0.79 1.69 0.44 1.28 1.34 0.62 0.84 n/a 0.88 0.36 0.79 1.73 0.90 0.49 0.41 n/a 0.76

0.83 1.12 1.33 0.69 0.64 0.76 0.96 1.24 1.43 1.35 1.57 0.56 1.33 0.85 0.72 0.53 0.29 1.00 1.94 0.41 1.45 0.18 0.37 0.86 0.62 0.84 0.68 1.64 0.57 0.48 1.11 0.54 0.00 0.26 0.93 0.83 1.99 0.46 1.41 1.27 0.71 0.82 n/a 0.98 0.39 0.92 2.00 0.96 0.55 0.57 n/a 0.79

0.72 1.03 1.19 0.70 0.64 0.63 0.88 1.60 1.53 1.36 1.47 0.34 0.72 0.84 0.69 0.49 0.32 0.94 1.85 0.48 1.36 0.15 0.37 0.85 0.65 0.75 0.60 1.43 0.58 0.45 1.13 0.55 0.00 0.14 0.95 0.91 1.71 0.47 1.32 1.26 0.42 0.77 n/a 0.85 0.39 0.78 1.49 0.98 0.56 0.33 n/a 0.75

15,661.55 12,795.05 19,563.45 18,648.15 25,267.05 25,971.40 23,607.21 14,365.32 12,706.30 21,064.52 12,523.73 18,897.79 13,541.12 23,827.00 16,902.25 17,750.12 29,661.58 16,696.17 16,914.36 27,573.40 11,885.64 76,464.84 32,255.80 18,506.48 28,575.06 17,906.89 25,532.06 23,880.70 20,081.90 32,505.89 21,321.17 29,662.00 38,199.61 14,557.91 17,204.17 9,809.10 27,548.61 19,563.17 12,409.68 18,017.82 17,713.58 n/a 19,934.81 24,760.76 16,235.65 12,844.13 13,710.39 30,753.55 45,043.67 n/a 21,181.15

13,061.67 24,262.81 16,376.36 13,701.80 27,357.23 25,235.76 25,560.82 15,447.09 11,483.79 23,460.45 12,240.28 14,374.74 9,849.11 22,571.36 16,657.89 16,493.60 31,016.67 15,272.99 18,201.86 21,001.26 11,320.56 57,784.97 35,041.54 20,603.91 19,535.48 15,668.88 20,476.78 20,240.54 17,153.51 36,995.88 15,031.52 31,974.91 36,623.06 12,662.95 13,816.99 9,623.26 26,479.58 19,114.36 11,001.69 20,041.26 14,758.28 n/a 15,472.50 26,007.71 13,965.98 12,194.07 18,339.63 26,101.17 31,398.00 n/a 20,768.27

16,353.07 11,332.55 16,383.31 16,078.56 28,180.57 27,212.13 28,313.59 13,066.95 10,737.41 24,020.54 12,713.94 23,450.31 12,267.06 20,330.99 16,210.22 17,674.03 24,020.51 17,252.39 17,698.88 20,240.21 11,619.59 64,320.89 29,646.88 18,707.87 19,348.24 19,371.64 22,517.82 22,474.29 20,434.03 43,420.56 16,827.57 34,008.09 6,249.82 11,835.36 14,450.05 10,440.45 28,906.80 16,836.57 11,051.17 34,309.62 15,699.59 n/a 15,279.30 28,529.75 13,870.56 16,336.68 17,420.84 29,767.12 28,664.29 n/a 22,135.49



Table 12D-2

BI/PD Combined Single Limits Liability 2010-2012 Voluntary Business Frequency - Property Damage Component STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Severity - Property Damage Component

2012

2011

2010

2012

2011

2010

2.99 3.53 3.46 2.59 3.56 3.11 3.84 3.64 6.05 3.69 4.21 3.71 2.15 3.67 2.54 3.24 2.56 3.19 3.84 2.51 4.53 0.61 3.18 2.70 2.76 2.07 3.45 3.28 3.39 3.46 3.05 3.41 0.00 1.81 2.95 3.16 2.95 3.53 4.16 3.27 2.76 3.17 n/a 3.72 2.71 3.36 2.90 2.91 2.40 3.58 n/a 3.23

3.07 3.75 3.57 2.77 3.35 3.33 4.00 3.81 5.86 3.72 4.17 3.90 2.32 3.75 2.47 3.24 2.74 3.15 3.96 2.67 4.43 0.54 3.37 2.74 3.06 2.14 3.63 3.49 3.65 3.65 3.18 3.60 0.65 2.01 3.08 3.32 3.06 3.65 4.22 3.21 3.31 3.17 n/a 3.59 2.74 3.39 2.98 2.94 2.43 3.09 n/a 3.34

3.04 3.21 3.43 2.85 3.40 3.11 3.90 3.98 6.27 3.80 4.28 3.46 2.25 3.69 2.54 2.96 2.87 3.21 4.07 2.62 4.49 0.56 3.22 2.64 3.05 2.28 3.13 3.31 3.62 3.65 3.20 3.75 0.68 1.85 3.02 3.44 2.90 3.59 4.00 3.37 2.12 3.19 n/a 3.39 2.79 3.39 3.19 2.94 2.44 2.22 n/a 3.35

3,627.70 5,937.89 3,335.26 3,512.52 3,462.42 3,275.37 3,497.23 3,402.51 2,700.30 3,166.11 3,288.64 2,678.58 2,882.29 3,143.62 3,052.76 2,986.04 3,207.03 3,240.97 3,563.89 2,983.74 2,967.67 2,084.41 2,941.29 3,496.16 2,961.09 3,351.00 3,201.96 3,237.12 2,866.87 3,722.01 3,290.86 3,464.72 3,928.27 2,938.13 3,420.00 2,866.29 3,208.26 3,743.07 2,965.77 3,220.80 3,357.42 n/a 3,133.04 2,917.63 2,880.25 3,019.76 3,343.57 3,369.27 3,236.73 n/a 3,307.50

3,427.72 3,631.47 3,417.73 3,360.49 3,408.85 3,259.89 3,329.06 2,991.24 2,411.32 3,091.99 3,131.66 2,709.67 2,788.07 3,042.68 3,054.02 2,875.56 2,954.85 3,133.68 3,632.45 2,823.78 2,945.47 2,041.03 2,953.45 3,311.45 2,911.73 2,955.00 3,047.04 3,239.59 2,910.05 3,636.30 3,165.24 3,333.55 5,775.00 3,048.85 2,816.73 3,312.95 2,817.04 3,212.78 3,497.41 2,951.62 2,708.66 3,197.33 n/a 2,979.13 2,800.34 2,805.80 2,939.81 3,040.83 3,170.25 3,988.96 n/a 3,210.90

3,485.41 4,101.16 3,249.96 3,358.29 3,336.87 3,137.64 3,116.47 3,251.99 2,555.80 3,023.13 3,072.81 2,873.21 2,492.81 2,851.62 2,793.11 2,656.41 2,829.20 3,082.80 3,504.15 2,653.99 2,948.41 2,099.55 2,820.07 3,198.16 2,812.19 2,767.12 2,761.20 3,214.32 2,738.34 3,579.59 3,038.26 3,061.44 641.00 2,736.97 2,736.31 3,267.38 2,681.10 3,062.76 3,410.89 2,892.45 2,589.88 3,138.46 n/a 2,763.04 2,776.72 2,737.73 2,803.96 3,244.00 2,766.14 3,951.13 n/a 3,084.36



Table 13A

BI/PD Combined Single Limits Liability 2010-2012 Residual Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

0 0 0 0 0 0 0 0 0 0 0 1,276,278 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 95,076 642,995 0 69,006 0 0 0 0 0 494 0 0 0 0 0 0 0 0 0 0 0 0 2,083,849 2,083,849

0 0 0 0 0 0 64 1,232 14,825 0 0 1,110,812 0 0 0 0 0 0 0 0 0 0 0 0 0 0 17,522 0 0 118,757 861,773 0 8,223 0 0 0 0 0 434 4,131 0 0 0 0 0 10,150 0 0 0 0 0 2,147,923 2,147,923

0 0 0 0 0 0 611 635 21,403 0 0 470,001 63 0 0 0 0 0 0 0 0 0 0 0 0 0 19,329 0 0 184,723 1,027,245 0 2,767 0 0 0 0 0 0 1,016 0 0 0 0 0 17,599 0 0 0 0 0 1,745,392 1,745,392

0 0 0 0 0 0 0 0 0 0 0 1,306 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 84 385 0 22 0 0 0 0 0 2 0 0 0 0 n/a 0 0 0 0 0 0 0 n/a 1,799

0 0 0 0 0 0 1 1 20 0 0 1,139 0 0 0 0 0 0 0 0 0 0 0 0 0 0 45 0 0 111 541 0 6 0 0 0 0 0 2 0 0 0 0 n/a 0 14 0 0 0 0 0 n/a 1,880

0 0 0 0 0 0 3 1 46 0 0 482 0 0 0 0 0 0 0 0 0 0 0 0 0 0 71 0 0 177 642 0 1 0 0 0 0 0 0 1 0 0 0 n/a 0 36 0 0 0 0 0 n/a 1,460



Table 13B-1

BI/PD Combined Single Limits Liability 2010-2012 Residual Business Incurred Losses - Bodily Injury STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 9,787 213,342 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 223,129 223,129

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 41,075 173,871 0 118,995 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 333,941 333,941

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 305,271 944,549 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1,249,820 1,249,820

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 10 0 0 0 0 0 0 0 0 0 0 0 0 n/a 0 0 0 0 0 0 0 n/a 11

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 10 0 2 0 0 0 0 0 0 0 0 0 0 n/a 0 0 0 0 0 0 0 n/a 14

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 6 13 0 0 0 0 0 0 0 0 0 0 0 0 n/a 0 0 0 0 0 0 0 n/a 19



Table 13B-2

BI/PD Combined Single Limits Liability 2010-2012 Residual Business Incurred Losses - Property Damage STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 26,451 223,942 0 9,612 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 260,005 260,005

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 28,033 224,158 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 252,191 252,191

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 35,890 351,119 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 387,009 387,009

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 8 59 0 1 0 0 0 0 0 0 0 0 0 0 n/a 0 0 0 0 0 0 0 n/a 68

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 9 64 0 0 0 0 0 0 0 0 0 0 0 0 n/a 0 0 0 0 0 0 0 n/a 73

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 9 81 0 0 0 0 0 0 0 0 0 0 0 0 n/a 0 0 0 0 0 0 0 n/a 90



Table 13C

BI/PD Combined Single Limits Liability 2010-2012 Residual Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

0.00 431.40 1,135.80 436.91 0.00 n/a n/a 268.56

0.00 0.00 0.00 0.00 0.00 622.59 735.73 19,832.50 0.00 n/a 0.00 n/a 311.77

0.00 0.00 0.00 0.00 0.00 1,927.46 2,018.17 0.00 0.00 n/a 0.00 n/a 1,121.12

0.00 38.11 68.01 13.93 0.00 23.18 23.18

0.00 0.00 0.00 0.00 0.00 58.19 46.19 1,447.10 0.00 0.00 0.00 27.29 27.29

0.00 0.00 0.00 0.00 0.00 0.00 184.69 126.13 0.00 0.00 0.00 93.78 93.78



Table 13C-1

BI/PD Combined Single Limits Liability 2010-2012 Residual Business Pure Premium - Bodily Injury Component STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

0.00 116.51 554.14 0.00 0.00 n/a n/a 124.03

0.00 0.00 0.00 0.00 0.00 370.05 321.39 19,832.50 0.00 n/a 0.00 n/a 177.63

0.00 0.00 0.00 0.00 0.00 1,724.69 1,471.26 0.00 0.00 n/a 0.00 n/a 856.04

0.00 10.29 33.18 0.00 0.00 10.71 10.71

0.00 0.00 0.00 0.00 0.00 34.59 20.18 1,447.10 0.00 0.00 0.00 15.55 15.55

0.00 0.00 0.00 0.00 0.00 0.00 165.26 91.95 0.00 0.00 0.00 71.61 71.61



Table 13C-2

BI/PD Combined Single Limits Liability 2010-2012 Residual Business Pure Premium - Property Damage Component STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

0.00 314.89 581.67 436.91 0.00 n/a n/a 144.53

0.00 0.00 0.00 0.00 0.00 252.55 414.34 0.00 0.00 n/a 0.00 n/a 134.14

0.00 0.00 0.00 0.00 0.00 202.77 546.91 0.00 0.00 n/a 0.00 n/a 265.07

0.00 27.82 34.83 13.93 0.00 12.48 12.48

0.00 0.00 0.00 0.00 0.00 23.61 26.01 0.00 0.00 0.00 0.00 11.74 11.74

0.00 0.00 0.00 0.00 0.00 0.00 19.43 34.18 0.00 0.00 0.00 22.17 22.17



Table 13D-1

BI/PD Combined Single Limits Liability 2010-2012 Residual Business Frequency - Bodily Injury Component STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

0.00 1.19 2.60 0.00 0.00 n/a n/a 0.61

0.00 0.00 0.00 0.00 0.00 1.80 1.85 33.33 0.00 n/a 0.00 n/a 0.74

0.00 0.00 0.00 0.00 0.00 3.39 2.02 0.00 0.00 n/a 0.00 n/a 1.30

9,787.00 21,334.20 n/a n/a 20,284.45

20,537.50 17,387.10 59,497.50 n/a n/a 23,852.93

50,878.50 72,657.62 n/a n/a 65,780.00



Table 13D-2

BI/PD Combined Single Limits Liability 2010-2012 Residual Business Frequency - Property Damage Component


STATE

2012

2011

2010

2012

2011

2010


0.00 9.52 15.32 4.55 0.00 n/a n/a 3.78

0.00 0.00 0.00 0.00 0.00 8.11 11.83 0.00 0.00 n/a 0.00 n/a 3.88

0.00 0.00 0.00 0.00 0.00 5.08 12.62 0.00 0.00 n/a 0.00 n/a 6.16

3,306.38 3,795.63 9,612.00 n/a n/a 3,823.60

3,114.78 3,502.47 n/a n/a 3,454.67

3,987.78 4,334.80 n/a n/a 4,300.10



Table 14A

BI/PD Combined Single Limits Liability 2010-2012 Total Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

23,310,523 764,408 52,124,834 63,172,052 137,948,307 50,472,754 210,467,878 28,782,371 6,417,136 174,440,870 121,078,342 12,083,012 13,635,131 90,728,448 54,634,262 26,183,799 38,787,183 67,497,978 75,049,262 39,976,672 79,313,250 0 39,626,089 45,178,201 25,780,365 102,098,821 11,088,116 14,563,248 30,322,973 24,904,465 635,040,692 11,859,773 515,053,596 36,253 4,848,631 151,639,471 62,820,340 36,775,947 205,881,804 54,598,151 41,657,661 2,149,649 79,776,885 0 19,634,956 11,433,969 69,854,453 68,751,193 17,069,331 64,532,432 958,156 3,714,804,093 3,714,804,093

23,275,276 756,627 47,927,734 63,445,496 136,888,885 48,951,140 206,800,449 28,075,762 6,231,079 170,126,067 112,848,787 11,878,085 11,997,504 86,414,323 55,074,442 26,963,741 38,216,040 62,844,601 69,064,429 41,733,728 74,221,780 0 35,499,754 44,476,510 23,285,752 101,578,199 11,380,808 14,214,523 27,208,032 24,287,653 610,598,670 11,380,361 512,035,666 34,294 4,296,079 155,340,759 59,680,471 34,352,840 204,048,852 54,093,860 38,670,350 2,279,834 75,234,038 0 18,765,640 12,046,219 69,610,779 64,645,520 17,650,494 63,544,528 923,565 3,614,900,025 3,614,900,025

23,259,509 727,296 46,374,232 61,801,569 135,227,960 51,675,441 204,063,484 28,088,009 5,959,081 168,407,907 109,882,442 11,149,394 12,111,943 85,580,797 55,898,038 33,845,639 36,098,619 59,810,183 65,099,425 44,268,220 72,476,120 0 33,045,357 47,251,969 23,674,417 103,902,890 12,212,182 16,711,566 26,611,037 23,568,362 589,626,152 11,234,573 518,852,345 31,803 4,246,708 160,908,188 55,378,165 36,610,547 207,448,848 54,632,450 36,600,510 3,143,238 71,983,275 0 19,650,263 12,448,276 70,252,592 61,356,998 17,613,390 63,732,837 1,306,708 3,595,840,954 3,595,840,954

71,812 1,784 130,925 227,636 307,858 151,515 424,616 59,976 12,541 298,900 328,644 38,483 53,591 256,182 206,516 124,258 177,461 198,599 116,483 166,901 193,241 0 300,116 169,909 81,866 380,012 35,433 59,086 61,280 75,031 1,385,282 33,733 1,250,353 166 34,600 551,157 201,767 108,461 598,008 102,137 119,571 10,771 263,268 n/a 59,733 49,598 223,670 190,335 43,982 226,249 3,656 n/a 10,167,152

72,882 1,868 121,842 226,156 310,296 147,630 421,436 59,400 12,444 310,674 330,870 38,396 48,214 251,965 217,905 128,524 175,775 192,586 110,616 174,471 191,716 0 277,079 168,869 75,311 375,713 37,286 58,665 55,954 74,481 1,384,631 32,929 1,271,287 153 30,800 560,832 194,522 103,968 603,000 103,182 117,976 11,340 253,444 n/a 57,413 52,792 226,219 176,223 45,691 226,027 3,493 n/a 10,124,946

76,330 1,933 118,084 225,376 311,816 155,469 422,762 60,967 12,144 323,452 335,955 37,205 48,758 255,776 221,794 160,873 166,792 189,229 105,884 182,555 192,031 0 264,466 183,708 74,997 379,209 40,402 71,288 54,939 74,049 1,390,346 32,585 1,299,593 147 31,118 579,505 184,885 112,734 621,510 107,638 116,145 17,600 248,397 n/a 60,197 54,788 233,062 166,105 46,684 228,951 5,090 n/a 10,285,323



Table 14B-1

BI/PD Combined Single Limits Liability 2010-2012 Total Business Incurred Losses - Bodily Injury STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

9,522,220 281,491 28,719,139 27,300,887 50,963,639 26,906,370 96,954,825 11,477,892 2,769,973 79,223,668 67,866,109 2,532,304 9,180,880 50,942,121 28,666,218 12,638,084 17,470,668 35,629,620 35,148,037 18,143,296 31,936,718 0 34,485,641 18,030,993 11,807,136 61,436,386 4,924,396 10,238,358 20,370,238 8,122,873 207,308,385 8,080,725 201,434,637 0 2,444,775 68,931,681 27,251,409 18,029,132 72,755,877 25,666,884 19,892,719 1,207,194 39,200,163 0 10,485,710 4,481,697 28,509,809 42,372,783 5,456,735 33,951,916 675,655 1,631,828,066 1,631,828,066

7,915,374 509,519 26,611,585 21,415,920 54,659,755 28,314,524 103,419,078 11,384,502 2,044,114 98,041,235 63,502,561 2,989,946 6,332,977 48,392,995 26,002,963 11,298,115 15,601,386 29,446,324 39,024,786 14,931,897 31,471,163 0 28,430,206 21,830,881 13,371,938 45,732,559 4,888,692 8,170,235 18,621,294 7,365,622 247,861,296 5,471,474 220,522,044 0 2,893,222 66,062,621 22,355,889 19,900,896 73,083,649 27,734,940 16,447,534 1,603,301 30,520,117 0 8,711,017 5,383,596 29,077,168 43,020,682 8,032,759 32,704,760 627,960 1,653,737,071 1,653,737,071

9,026,896 226,651 22,953,017 25,420,203 55,882,073 26,667,886 105,100,035 12,753,343 1,986,420 105,474,196 62,959,455 2,907,839 4,281,203 43,813,276 24,915,106 14,050,850 12,658,808 30,553,982 34,725,200 17,608,983 30,385,217 0 25,856,999 20,011,641 11,954,331 47,519,279 5,869,607 9,682,661 17,687,265 9,030,600 272,019,115 6,175,719 243,463,907 0 281,242 64,916,941 24,406,128 20,087,426 83,714,099 23,924,766 16,201,014 2,538,912 30,017,619 0 7,853,561 6,048,308 25,064,100 40,367,933 7,961,322 38,101,909 487,293 1,705,594,336 1,705,594,336

608 22 1,468 1,464 2,017 1,036 4,107 799 218 3,761 5,419 134 678 2,138 1,696 712 589 2,134 2,078 658 2,687 0 451 559 638 2,150 275 401 853 405 6,381 379 6,791 0 64 4,735 1,584 1,838 2,641 1,312 1,603 67 2,213 n/a 526 181 1,756 3,299 398 1,104 15 n/a 77,042

606 21 1,625 1,563 1,998 1,122 4,046 737 178 4,179 5,188 208 643 2,144 1,561 685 503 1,928 2,144 711 2,780 0 492 623 649 2,341 312 399 920 429 6,705 364 6,895 0 79 5,217 1,618 2,068 2,760 1,451 1,495 80 2,068 n/a 563 207 2,082 3,528 438 1,253 20 n/a 79,626

552 20 1,401 1,581 1,983 980 3,712 976 185 4,391 4,952 124 349 2,155 1,537 795 527 1,771 1,962 870 2,615 0 402 675 639 2,456 303 430 787 433 6,256 367 7,159 0 45 5,485 1,689 1,924 2,896 1,421 1,466 74 1,912 n/a 514 212 1,807 2,471 457 1,280 17 n/a 77,015



Table 14B-2

BI/PD Combined Single Limits Liability 2010-2012 Total Business Incurred Losses - Property Damage STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

7,788,668 374,087 15,112,076 20,671,202 37,961,975 15,453,217 57,046,760 7,420,882 2,049,531 34,944,393 45,455,517 3,693,757 3,323,279 29,546,903 16,008,675 12,024,789 14,595,208 20,512,092 15,941,280 12,495,889 25,999,770 0 3,837,401 15,874,135 7,726,520 31,029,210 2,452,930 6,528,793 6,516,322 7,299,702 178,723,873 3,389,582 147,811,165 0 2,459,097 47,791,573 21,833,291 9,163,545 67,742,435 15,885,585 11,593,206 956,577 27,977,383 0 6,955,346 3,915,465 21,656,629 16,678,131 4,286,456 18,318,727 424,011 1,087,247,040 1,087,247,040

7,681,510 254,203 14,870,531 21,080,331 35,465,639 16,035,382 56,111,229 6,778,158 1,755,440 35,746,481 43,198,160 3,934,434 3,119,853 28,777,642 16,470,324 11,976,712 14,212,823 18,990,072 15,895,596 13,164,475 25,030,609 0 3,067,666 16,787,407 6,821,590 33,438,265 2,352,181 6,493,234 6,326,912 7,937,554 184,093,446 3,314,005 152,396,643 5,775 1,890,287 48,591,409 21,421,531 8,960,989 70,729,397 15,220,747 11,183,702 1,015,747 25,655,369 0 6,145,948 4,054,889 21,520,513 15,433,993 4,080,799 17,379,333 430,808 1,087,299,743 1,087,299,743

8,086,144 254,272 13,155,857 21,577,032 35,377,522 15,173,603 51,353,185 7,889,334 1,937,298 37,178,468 44,134,742 3,646,106 2,732,120 26,947,811 15,736,374 12,655,146 13,551,853 18,731,113 15,095,861 12,680,774 25,421,206 0 3,111,527 16,697,634 6,341,942 32,475,191 2,545,751 6,157,480 5,843,630 7,358,222 181,900,788 3,171,940 149,373,681 641 1,579,231 47,838,988 20,806,647 8,775,248 68,366,935 14,670,257 11,315,245 966,026 24,856,641 0 5,639,363 4,237,281 21,644,532 14,858,171 4,450,765 15,429,516 446,478 1,064,175,572 1,064,175,572

2,147 63 4,531 5,885 10,964 4,718 16,312 2,181 759 11,037 13,822 1,379 1,153 9,399 5,244 4,027 4,551 6,329 4,473 4,188 8,761 0 1,841 5,397 2,210 10,479 732 2,039 2,013 2,545 48,017 1,030 42,660 0 626 16,266 6,384 3,197 21,115 4,244 3,909 297 8,333 n/a 2,220 1,342 7,519 5,523 1,282 5,437 131 n/a 328,711

2,241 70 4,351 6,273 10,404 4,919 16,855 2,266 728 11,561 13,794 1,452 1,119 9,458 5,393 4,165 4,810 6,060 4,376 4,662 8,498 0 1,503 5,684 2,060 11,484 796 2,131 1,953 2,727 50,629 1,047 45,716 1 620 17,251 6,466 3,181 22,015 4,352 3,789 375 8,024 n/a 2,063 1,448 7,670 5,250 1,342 5,482 108 n/a 338,622

2,320 62 4,048 6,425 10,602 4,836 16,478 2,426 758 12,298 14,363 1,269 1,096 9,450 5,634 4,764 4,790 6,076 4,308 4,778 8,622 0 1,482 5,921 1,983 11,548 920 2,230 1,818 2,683 50,799 1,044 48,792 1 577 17,483 6,368 3,273 22,322 4,301 3,912 373 7,920 n/a 2,041 1,526 7,906 5,299 1,372 5,578 113 n/a 344,988



Table 14C

BI/PD Combined Single Limits Liability 2010-2012 Total Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

241.06 367.48 334.78 210.74 288.85 279.57 362.68 315.11 384.30 381.96 344.82 161.79 233.33 314.19 216.33 198.48 180.69 282.69 438.60 183.58 299.81 127.69 199.55 238.61 243.32 208.20 283.78 438.75 205.55 278.67 340.03 279.32 0.00 141.73 211.78 243.27 250.71 234.94 406.83 263.32 200.89 255.17 n/a 291.98 169.30 224.29 310.25 221.53 231.03 300.78 n/a 267.44

214.00 408.84 340.46 187.91 290.45 300.41 378.54 305.77 305.33 430.64 322.49 180.34 196.06 306.28 194.92 181.09 169.62 251.51 496.50 161.04 294.72 113.68 228.69 268.14 210.72 194.20 249.95 445.87 205.46 311.96 266.80 293.34 37.75 155.31 204.44 225.05 277.60 238.50 416.31 234.21 230.96 221.65 n/a 258.77 178.79 223.67 331.71 265.12 221.58 303.11 n/a 270.72

224.20 248.80 305.79 208.53 292.67 269.13 370.07 338.59 323.10 441.03 318.78 176.16 143.84 276.65 183.28 166.01 157.15 260.45 470.52 165.92 290.61 109.54 199.82 243.96 210.95 208.29 222.20 428.31 221.32 326.48 286.87 302.28 4.36 59.79 194.57 244.55 256.02 244.70 358.56 236.91 199.14 220.91 n/a 224.15 187.73 200.41 332.48 265.87 233.81 183.45 n/a 269.29

74.26 85.76 84.09 75.94 64.46 83.93 73.17 65.66 75.10 65.45 93.59 51.53 91.71 88.71 81.77 94.19 82.67 83.18 68.07 76.64 73.05 96.71 75.05 75.77 90.56 66.53 115.13 88.67 61.93 60.79 96.72 67.81 0.00 101.14 76.97 78.14 73.94 68.24 76.11 75.58 100.66 84.21 88.83 73.44 71.82 85.89 57.08 81.00 114.77 73.20 73.20

67.01 100.94 86.55 66.98 65.84 90.60 77.14 64.69 60.98 78.64 94.55 58.30 78.79 89.30 77.12 86.32 78.01 77.07 79.52 67.32 76.13 88.73 86.83 86.72 77.94 63.62 103.16 91.69 63.01 70.74 77.20 72.83 16.84 111.35 73.81 73.35 84.02 70.48 79.41 71.45 114.88 74.67 79.17 78.35 72.69 90.42 68.63 78.82 114.64 75.83 75.83

73.57 66.12 77.86 76.05 67.49 80.97 76.67 73.49 65.84 84.71 97.46 58.78 57.90 82.68 72.72 78.91 72.61 82.40 76.53 68.42 77.00 87.66 77.69 77.28 76.99 68.91 94.79 88.43 69.54 76.98 83.20 75.71 2.02 43.81 70.07 81.64 78.84 73.31 70.64 75.18 111.51 76.23 68.67 82.63 66.49 90.01 70.47 83.99 71.46 77.03 77.03



Table 14C-1

BI/PD Combined Single Limits Liability 2010-2012 Total Business Pure Premium - Bodily Injury Component STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

132.60 157.79 219.36 119.93 165.54 177.58 228.34 191.37 220.87 265.05 206.50 65.80 171.31 198.85 138.81 101.71 98.45 179.40 301.74 108.71 165.27 114.91 106.12 144.23 161.67 138.98 173.28 332.41 108.26 149.65 239.55 161.10 0.00 70.66 125.07 135.06 166.23 121.66 251.30 166.37 112.08 148.90 n/a 175.54 90.36 127.46 222.62 124.07 150.06 184.81 n/a 160.50

108.61 272.76 218.41 94.70 176.15 191.79 245.40 191.66 164.27 315.58 191.93 77.87 131.35 192.06 119.33 87.91 88.76 152.90 352.80 85.58 164.16 102.61 129.28 177.56 121.72 131.11 139.27 332.80 98.89 179.01 166.16 173.46 0.00 93.94 117.79 114.93 191.41 121.20 268.80 139.41 141.38 120.42 n/a 151.73 101.98 128.54 244.13 175.81 144.69 179.78 n/a 163.33

118.26 117.25 194.38 112.79 179.21 171.53 248.60 209.18 163.57 326.09 187.40 78.16 87.81 171.30 112.33 87.34 75.90 161.47 327.96 96.46 158.23 97.77 108.93 159.40 125.31 145.28 135.82 321.94 121.95 195.65 189.53 187.34 0.00 9.04 112.02 132.01 178.18 134.69 222.27 139.49 144.26 120.85 n/a 130.46 110.39 107.54 243.03 170.54 166.42 95.74 n/a 165.83

40.85 36.82 55.10 43.22 36.94 53.31 46.07 39.88 43.17 45.42 56.05 20.96 67.33 56.15 52.47 48.27 45.04 52.79 46.83 45.38 40.27 87.03 39.91 45.80 60.17 44.41 70.30 67.18 32.62 32.64 68.14 39.11 0.00 50.42 45.46 43.38 49.02 35.34 47.01 47.75 56.16 49.14 53.40 39.20 40.81 61.63 31.97 52.61 70.52 43.93 43.93

34.01 67.34 55.52 33.75 39.93 57.84 50.01 40.55 32.81 57.63 56.27 25.17 52.79 56.00 47.21 41.90 40.82 46.86 56.50 35.78 42.40 80.09 49.08 57.43 45.02 42.96 57.48 68.44 30.33 40.59 48.08 43.07 0.00 67.35 42.53 37.46 57.93 35.82 51.27 42.53 70.33 40.57 46.42 44.69 41.77 66.55 45.51 51.47 67.99 45.75 45.75

38.81 31.16 49.50 41.13 41.32 51.61 51.50 45.40 33.33 62.63 57.30 26.08 35.35 51.20 44.57 41.51 35.07 51.08 53.34 39.78 41.92 78.25 42.35 50.49 45.73 48.06 57.94 66.47 38.32 46.13 54.97 46.92 0.00 6.62 40.34 44.07 54.87 40.35 43.79 44.26 80.77 41.70 39.97 48.59 35.68 65.79 45.20 59.78 37.29 47.43 47.43



Table 14C-2

BI/PD Combined Single Limits Liability 2010-2012 Total Business Pure Premium - Property Damage Component STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

108.46 209.69 115.43 90.81 123.31 101.99 134.35 123.73 163.43 116.91 138.31 95.98 62.01 115.34 77.52 96.77 82.24 103.28 136.85 74.87 134.55 12.79 93.43 94.38 81.65 69.23 110.50 106.34 97.29 129.02 100.48 118.22 0.00 71.07 86.71 108.21 84.49 113.28 155.53 96.96 88.81 106.27 n/a 116.44 78.94 96.82 87.63 97.46 80.97 115.98 n/a 106.94

105.40 136.08 122.05 93.21 114.30 108.62 133.14 114.11 141.07 115.06 130.56 102.47 64.71 114.21 75.58 93.19 80.86 98.61 143.70 75.45 130.56 11.07 99.41 90.58 89.00 63.08 110.68 113.07 106.57 132.95 100.64 119.88 37.75 61.37 86.64 110.12 86.19 117.30 147.51 94.80 89.57 101.23 n/a 107.05 76.81 95.13 87.58 89.31 76.89 123.33 n/a 107.39

105.94 131.54 111.41 95.74 113.46 97.60 121.47 129.40 159.53 114.94 131.37 98.00 56.03 105.36 70.95 78.67 81.25 98.99 142.57 69.46 132.38 11.77 90.89 84.56 85.64 63.01 86.37 106.37 99.37 130.83 97.34 114.94 4.36 50.75 82.55 112.54 77.84 110.00 136.29 97.42 54.89 100.07 n/a 93.68 77.34 92.87 89.45 95.34 67.39 87.72 n/a 103.47

33.41 48.94 28.99 32.72 27.52 30.62 27.10 25.78 31.94 20.03 37.54 30.57 24.37 32.57 29.30 45.92 37.63 30.39 21.24 31.26 32.78 9.68 35.14 29.97 30.39 22.12 44.83 21.49 29.31 28.14 28.58 28.70 0.00 50.72 31.52 34.76 24.92 32.90 29.10 27.83 44.50 35.07 35.42 34.24 31.00 24.26 25.11 28.39 44.25 29.27 29.27

33.00 33.60 31.03 33.23 25.91 32.76 27.13 24.14 28.17 21.01 38.28 33.12 26.00 33.30 29.91 44.42 37.19 30.22 23.02 31.54 33.72 8.64 37.74 29.30 32.92 20.67 45.68 23.25 32.68 30.15 29.12 29.76 16.84 44.00 31.28 35.89 26.09 34.66 28.14 28.92 44.55 34.10 32.75 33.66 30.92 23.87 23.12 27.35 46.65 30.08 30.08

34.76 34.96 28.37 34.91 26.16 29.36 25.17 28.09 32.51 22.08 40.17 32.70 22.56 31.49 28.15 37.39 37.54 31.32 23.19 28.65 35.08 9.42 35.34 26.79 31.26 20.85 36.85 21.96 31.22 30.85 28.23 28.79 2.02 37.19 29.73 37.57 23.97 32.96 26.85 30.92 30.73 34.53 28.70 34.04 30.81 24.22 25.27 24.21 34.17 29.59 29.59



Table 14D-1

BI/PD Combined Single Limits Liability 2010-2012 Total Business Frequency - Bodily Injury Component STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

0.85 1.23 1.12 0.64 0.66 0.68 0.97 1.33 1.74 1.26 1.65 0.35 1.27 0.83 0.82 0.57 0.33 1.07 1.78 0.39 1.39 0.15 0.33 0.78 0.57 0.78 0.68 1.39 0.54 0.46 1.12 0.54 0.00 0.18 0.86 0.79 1.69 0.44 1.28 1.34 0.62 0.84 n/a 0.88 0.36 0.79 1.73 0.90 0.49 0.41 n/a 0.76

0.83 1.12 1.33 0.69 0.64 0.76 0.96 1.24 1.43 1.35 1.57 0.54 1.33 0.85 0.72 0.53 0.29 1.00 1.94 0.41 1.45 0.18 0.37 0.86 0.62 0.84 0.68 1.64 0.58 0.48 1.11 0.54 0.00 0.26 0.93 0.83 1.99 0.46 1.41 1.27 0.71 0.82 n/a 0.98 0.39 0.92 2.00 0.96 0.55 0.57 n/a 0.79

0.72 1.03 1.19 0.70 0.64 0.63 0.88 1.60 1.52 1.36 1.47 0.33 0.72 0.84 0.69 0.49 0.32 0.94 1.85 0.48 1.36 0.15 0.37 0.85 0.65 0.75 0.60 1.43 0.58 0.45 1.13 0.55 0.00 0.14 0.95 0.91 1.71 0.47 1.32 1.26 0.42 0.77 n/a 0.85 0.39 0.78 1.49 0.98 0.56 0.33 n/a 0.75

15,661.55 12,795.05 19,563.45 18,648.15 25,267.05 25,971.40 23,607.21 14,365.32 12,706.30 21,064.52 12,523.73 18,897.79 13,541.12 23,827.00 16,902.25 17,750.12 29,661.58 16,696.17 16,914.36 27,573.40 11,885.64 76,464.84 32,255.80 18,506.48 28,575.06 17,906.89 25,532.06 23,880.70 20,056.48 32,488.39 21,321.17 29,662.00 38,199.61 14,557.91 17,204.17 9,809.10 27,548.61 19,563.17 12,409.68 18,017.82 17,713.58 n/a 19,934.81 24,760.76 16,235.65 12,844.13 13,710.39 30,753.55 45,043.67 n/a 21,181.02

13,061.67 24,262.81 16,376.36 13,701.80 27,357.23 25,235.76 25,560.82 15,447.09 11,483.79 23,460.45 12,240.28 14,374.74 9,849.11 22,571.36 16,657.89 16,493.60 31,016.67 15,272.99 18,201.86 21,001.26 11,320.56 57,784.97 35,041.54 20,603.91 19,535.48 15,668.88 20,476.78 20,240.54 17,169.28 36,966.64 15,031.52 31,982.89 36,623.06 12,662.95 13,816.99 9,623.26 26,479.58 19,114.36 11,001.69 20,041.26 14,758.28 n/a 15,472.50 26,007.71 13,965.98 12,194.07 18,339.63 26,101.17 31,398.00 n/a 20,768.81

16,353.07 11,332.55 16,383.31 16,078.56 28,180.57 27,212.13 28,313.59 13,066.95 10,737.41 24,020.54 12,713.94 23,450.31 12,267.06 20,330.99 16,210.22 17,674.03 24,020.51 17,252.39 17,698.88 20,240.21 11,619.59 64,320.89 29,646.88 18,707.87 19,348.24 19,371.64 22,517.82 22,474.29 20,855.89 43,481.32 16,827.57 34,008.09 6,249.82 11,835.36 14,450.05 10,440.45 28,906.80 16,836.57 11,051.17 34,309.62 15,699.59 n/a 15,279.30 28,529.75 13,870.56 16,336.68 17,420.84 29,767.12 28,664.29 n/a 22,146.26



Table 14D-2

BI/PD Combined Single Limits Liability 2010-2012 Total Business Frequency - Property Damage Component STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

2.99 3.53 3.46 2.59 3.56 3.11 3.84 3.64 6.05 3.69 4.21 3.58 2.15 3.67 2.54 3.24 2.56 3.19 3.84 2.51 4.53 0.61 3.18 2.70 2.76 2.07 3.45 3.28 3.39 3.47 3.05 3.41 0.00 1.81 2.95 3.16 2.95 3.53 4.16 3.27 2.76 3.17 n/a 3.72 2.71 3.36 2.90 2.91 2.40 3.58 n/a 3.23

3.07 3.75 3.57 2.77 3.35 3.33 4.00 3.81 5.85 3.72 4.17 3.78 2.32 3.75 2.47 3.24 2.74 3.15 3.96 2.67 4.43 0.54 3.37 2.74 3.06 2.13 3.63 3.49 3.66 3.66 3.18 3.60 0.65 2.01 3.08 3.32 3.06 3.65 4.22 3.21 3.31 3.17 n/a 3.59 2.74 3.39 2.98 2.94 2.43 3.09 n/a 3.34

3.04 3.21 3.43 2.85 3.40 3.11 3.90 3.98 6.24 3.80 4.28 3.41 2.25 3.69 2.54 2.96 2.87 3.21 4.07 2.62 4.49 0.56 3.22 2.64 3.05 2.28 3.13 3.31 3.62 3.65 3.20 3.75 0.68 1.85 3.02 3.44 2.90 3.59 4.00 3.37 2.12 3.19 n/a 3.39 2.79 3.39 3.19 2.94 2.44 2.22 n/a 3.35

3,627.70 5,937.89 3,335.26 3,512.52 3,462.42 3,275.37 3,497.23 3,402.51 2,700.30 3,166.11 3,288.64 2,678.58 2,882.29 3,143.62 3,052.76 2,986.04 3,207.03 3,240.97 3,563.89 2,983.74 2,967.67 2,084.41 2,941.29 3,496.16 2,961.09 3,351.00 3,201.96 3,237.12 2,868.25 3,722.10 3,290.86 3,464.87 3,928.27 2,938.13 3,420.00 2,866.29 3,208.26 3,743.07 2,965.77 3,220.80 3,357.42 n/a 3,133.04 2,917.63 2,880.25 3,019.76 3,343.57 3,369.27 3,236.73 n/a 3,307.61

3,427.72 3,631.47 3,417.73 3,360.49 3,408.85 3,259.89 3,329.06 2,991.24 2,411.32 3,091.99 3,131.66 2,709.67 2,788.07 3,042.68 3,054.02 2,875.56 2,954.85 3,133.68 3,632.45 2,823.78 2,945.47 2,041.03 2,953.45 3,311.45 2,911.73 2,955.00 3,047.04 3,239.59 2,910.73 3,636.13 3,165.24 3,333.55 5,775.00 3,048.85 2,816.73 3,312.95 2,817.04 3,212.78 3,497.41 2,951.62 2,708.66 3,197.33 n/a 2,979.13 2,800.34 2,805.80 2,939.81 3,040.83 3,170.25 3,988.96 n/a 3,210.95

3,485.41 4,101.16 3,249.96 3,358.29 3,336.87 3,137.64 3,116.47 3,251.99 2,555.80 3,023.13 3,072.81 2,873.21 2,492.81 2,851.62 2,793.11 2,656.41 2,829.20 3,082.80 3,504.15 2,653.99 2,948.41 2,099.55 2,820.07 3,198.16 2,812.19 2,767.12 2,761.20 3,214.32 2,742.54 3,580.79 3,038.26 3,061.44 641.00 2,736.97 2,736.31 3,267.38 2,681.10 3,062.76 3,410.89 2,892.45 2,589.88 3,138.46 n/a 2,763.04 2,776.72 2,737.73 2,803.96 3,244.00 2,766.14 3,951.13 n/a 3,084.67


Personal Injury Protection



Personal Injury Protection States with no-fault auto laws restrict the right to sue for damages for auto injuries below a specified injury threshold. Instead, a person injured in an accident receives benefits for economic damages from the insurer of the vehicle in which he or she was traveling, without regard to fault. In these states, personal injury protection (PIP) replaces the more limited medical payments coverage. The PIP coverage provides reimbursement for medical expenses, work loss or income continuation benefits, funeral expenses, survivors’ benefits, and the cost of rehabilitation and replacement services necessitated by the injury.

under a no-fault plan, in which case they collect benefits from their own insurer without regard to fault. When policyholders choose to limit their right to file a liability claim or lawsuit, their liability premiums are reduced. Still other states have laws that require auto insurers to offer PIP benefits, but do not restrict the right to pursue a liability claim or lawsuit, as well. In these states, PIP is “added on” to the existing tort liability system, sometimes in the form of separate packages of PIP coverages similar to those sold in no-fault states, and sometimes by simply offering to add some wage replacement benefits to the medical and funeral benefit in medical payments coverage.

A few of the states have “choice” no-fault laws. In these states, policyholders can choose to operate

Personal Injury Protection State-Specific Information and Technical Notes Personal Injury Protection Data Illinois—Personal injury protection data are included in other liability, which is not reported separately in this publication.

person, per accident, maximum medical coverage for emergency care only, plus a $10,000 death benefit, and out-of-state liability coverage.

Personal Injury Protection—Requirements Florida—Florida requires PIP coverage, but does not require bodily injury liability. However, on Oct. 1, 2007, the no-fault laws in Florida were suspended through Jan. 1, 2008.

Pennsylvania—Mandatory first-party medical benefits law. It is similar to PIP, but is titled Medical Benefits.

New Jersey—The minimum bodily injury limits for New Jersey are 15/30 with a standard $250,000 PIP benefit. This is the coverage most insureds purchase; however, a new “basic” policy was introduced in March 1999, whereby an insured can purchase $15,000 of PIP benefits and no bodily injury liability or BI limits of 10/10. On Oct. 1, 2003, the Special Automobile Insurance Policy (SAIP) was introduced, wherein only insureds who are enrolled in the federal Medicaid program may purchase a policy. The policy provides $250,000 per

Massachusetts—Insured can choose to have a deductible of up to $8,000 for him/herself and family members. This would in effect eliminate the $8,000 PIP coverage. Michigan—PIP provides unlimited medical benefits. Minnesota—Requires PIP with $20,000 medical benefit; $20,000 non-medical benefit. Oregon: There is a $15,000 minimum for PIP


Washington—PIP may be rejected by the insured. PIP Calculations—Loss Experience Results Texas—Earned exposure and incurred claims data are not available, as indicated by “n/a.” Because the results for pure premium, frequency and severity are calculated using earned exposures and incurred claims, there are no data in these columns for Texas. PIP Loss Development Incurred losses are developed to 63 months. Add-on states are:

No-fault states are:

Arkansas Delaware Maryland New Hampshire Oregon South Dakota Texas Virginia Washington Wisconsin

District of Columbia** Florida Hawaii Kansas Kentucky* Massachusetts Michigan Minnesota New Jersey* New York North Dakota Pennsylvania* Utah

*Denotes Choice – Under a choice system, drivers choose whether they want to be insured under a pure nofault plan or retain some traditional tort rights similar to modified no-fault. **The District of Columbia is neither a true no-fault nor add-on state. Drivers are offered the option of no-fault or fault-based coverage, but in the event of an accident a driver who originally chose no-fault benefits has 60 days to decide whether to receive those benefits or file a claim against the other party.



Table 15A

Personal Injury Protection 2010-2012 Voluntary Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

0 0 0 0 0 0 5,384,481 121,249,975 5,977,021 3,023,091,313 0 70,206,916 0 0 0 0 111,597,352 291,404,856 0 0 271,597,051 202,975,909 2,568,095,913 536,705,916 0 0 0 0 0 0 1,594,634,734 0 2,229,077,640 0 34,809,374 0 0 269,918,233 680,505,293 0 0 0 0 419,451,832 70,773,614 0 0 279,447,797 0 0 0 12,786,905,220 12,367,453,388

0 0 0 0 0 0 5,647,964 120,121,405 6,073,325 2,552,710,705 0 70,369,842 0 0 0 0 110,387,807 280,325,251 0 0 263,007,796 191,003,293 2,236,350,089 504,471,764 0 0 0 0 0 0 1,519,299,727 0 2,070,088,755 0 32,191,383 0 0 260,812,078 686,096,782 0 0 0 0 405,113,984 71,106,911 0 0 277,185,550 0 0 0 11,662,364,411 11,257,250,427

0 0 0 0 0 0 6,094,019 117,503,783 5,992,759 2,193,882,471 0 68,880,457 0 0 0 0 108,590,935 258,288,899 0 0 252,768,022 180,417,752 1,924,651,778 488,637,610 0 0 0 0 0 0 1,363,246,234 0 1,956,710,329 0 30,267,002 0 0 249,353,230 690,493,420 0 0 0 0 405,115,253 71,625,106 0 0 280,754,576 0 0 0 10,653,273,635 10,248,158,382

0 0 0 0 0 0 198,932 608,942 160,635 11,510,773 0 799,408 0 0 0 0 2,155,433 3,005,418 0 0 3,884,052 3,997,450 5,464,933 3,755,129 0 0 0 0 0 0 5,231,257 0 9,153,815 0 587,289 0 0 2,624,974 8,232,171 0 0 0 0 n/a 1,678,572 0 0 3,182,763 0 0 0 n/a 66,231,946

0 0 0 0 0 0 202,351 601,841 162,274 11,378,030 0 786,232 0 0 0 0 2,137,206 2,968,696 0 0 3,834,061 3,967,517 5,318,711 3,724,555 0 0 0 0 0 0 5,202,708 0 9,133,936 0 563,694 0 0 2,636,946 8,249,328 0 0 0 0 n/a 1,649,790 0 0 3,207,889 0 0 0 n/a 65,725,765

0 0 0 0 0 0 175,867 591,458 165,759 11,417,950 0 746,636 0 0 0 0 2,128,958 2,970,707 0 0 3,786,398 3,890,704 5,258,213 3,695,667 0 0 0 0 0 0 5,138,209 0 9,094,357 0 551,423 0 0 2,629,431 8,216,788 0 0 0 0 n/a 1,640,951 0 0 3,240,137 0 0 0 n/a 65,339,613



Table 15B

Personal Injury Protection 2010-2012 Voluntary Business Incurred Losses STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Incurred Claims

2012

2011

2010

2012

2011

2010

0 0 0 5,162 0 0 4,227,892 94,293,387 3,955,526 2,190,362,617 0 45,634,567 0 0 0 0 72,296,391 223,020,443 0 0 206,120,873 135,178,386 2,903,009,393 398,775,798 0 0 0 0 0 0 1,062,462,852 0 1,398,201,566 0 26,968,678 0 0 201,217,457 490,718,000 0 0 0 0 278,431,984 50,029,782 0 0 234,046,765 0 0 0 10,018,957,519 9,740,525,535

0 0 0 0 0 0 5,138,926 93,162,616 3,784,602 2,688,144,108 0 44,331,100 0 0 0 0 71,409,676 221,867,157 0 0 216,590,698 130,064,031 2,461,963,021 405,777,422 0 0 0 0 0 0 1,189,399,563 0 1,564,535,308 0 27,033,684 0 0 193,465,473 529,524,309 0 0 0 0 260,490,246 47,553,095 0 0 226,547,534 0 0 0 10,380,782,569 10,120,292,323

0 0 0 0 0 0 5,949,907 92,156,430 3,963,570 2,838,486,910 0 45,154,725 0 0 0 0 73,666,435 231,198,854 0 0 214,815,370 128,632,180 2,241,033,386 404,069,392 0 0 0 0 0 0 1,320,241,909 0 1,738,767,191 0 24,890,957 0 0 197,820,208 527,904,212 0 0 0 0 269,631,964 47,429,572 0 0 229,576,165 0 0 0 10,635,389,337 10,365,757,373

0 0 0 1 0 0 900 12,589 674 287,033 0 9,610 0 0 0 0 19,331 66,489 0 0 80,763 37,510 44,598 42,752 0 0 0 0 0 0 73,839 0 186,795 0 3,846 0 0 43,250 132,858 0 0 0 0 n/a 21,807 0 0 48,234 0 0 0 n/a 1,112,879

0 0 0 0 0 0 1,042 11,927 690 348,626 0 9,676 0 0 0 0 19,760 69,107 0 0 82,922 37,500 47,039 46,079 0 0 0 0 0 0 79,982 0 195,988 0 3,931 0 0 41,654 138,751 0 0 0 0 n/a 20,720 0 0 47,327 0 0 0 n/a 1,202,721

0 0 0 0 0 0 1,354 11,447 723 361,580 0 9,977 0 0 0 0 20,197 73,048 0 0 82,060 38,408 41,454 47,932 0 0 0 0 0 0 84,915 0 211,700 0 4,118 0 0 42,357 139,672 0 0 0 0 n/a 19,827 0 0 50,131 0 0 0 n/a 1,240,900



Table 15C

Personal Injury Protection 2010-2012 Voluntary Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

21.25 154.85 24.62 190.29 57.09 33.54 74.21 53.07 33.82 531.21 106.19 203.10 152.75 45.92 76.66 59.61 n/a 29.80 73.54 n/a 147.07

25.40 154.80 23.32 236.26 56.38 33.41 74.74 56.49 32.78 462.89 108.95 228.61 171.29 47.96 73.37 64.19 n/a 28.82 70.62 n/a 153.98

33.83 155.81 23.91 248.60 60.48 34.60 77.83 56.73 33.06 426.20 109.34 256.95 191.19 45.14 75.23 64.25 n/a 28.90 70.85 n/a 158.64

78.52 77.77 66.18 72.45 65.00 64.78 76.53 75.89 66.60 113.04 74.30 66.63 62.73 77.48 74.55 72.11 66.38 70.69 83.75 78.35 78.76

90.99 77.56 62.32 105.31 63.00 64.69 79.15 82.35 68.10 110.09 80.44 78.29 75.58 83.98 74.18 77.18 64.30 66.88 81.73 89.01 89.90

97.64 78.43 66.14 129.38 65.56 67.84 89.51 84.99 71.30 116.44 82.69 96.85 88.86 82.24 79.33 76.45 66.56 66.22 81.77 99.83 101.15



Table 15D

Personal Injury Protection 2010-2012 Voluntary Business Frequency STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Severity

2012

2011

2010

2012

2011

2010

0.45 2.07 0.42 2.49 1.20 0.90 2.21 2.08 0.94 0.82 1.14 1.41 2.04 0.65 1.65 1.61 n/a 1.30 1.52 n/a 1.68

0.51 1.98 0.43 3.06 1.23 0.92 2.33 2.16 0.95 0.88 1.24 1.54 2.15 0.70 1.58 1.68 n/a 1.26 1.48 n/a 1.83

0.77 1.94 0.44 3.17 1.34 0.95 2.46 2.17 0.99 0.79 1.30 1.65 2.33 0.75 1.61 1.70 n/a 1.21 1.55 n/a 1.90

5,162.00 4,697.66 7,490.14 5,868.73 7,631.05 4,748.65 3,739.92 3,354.25 2,552.17 3,603.80 65,092.82 9,327.65 14,388.91 7,485.22 7,012.14 4,652.43 3,693.55 n/a 2,294.21 4,852.32 n/a 8,752.55

4,931.79 7,811.07 5,484.93 7,710.68 4,581.55 3,613.85 3,210.49 2,611.98 3,468.37 52,338.76 8,806.12 14,870.84 7,982.81 6,877.05 4,644.58 3,816.36 n/a 2,295.03 4,786.86 n/a 8,414.50

4,394.32 8,050.71 5,482.12 7,850.23 4,525.88 3,647.39 3,165.03 2,617.78 3,349.10 54,060.73 8,430.05 15,547.81 8,213.35 6,044.43 4,670.31 3,779.60 n/a 2,392.17 4,579.52 n/a 8,353.42



Table 16A

Personal Injury Protection 2010-2012 Residual Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

0 0 0 0 0 0 185 1,048 8,206 2,471,704 0 143,175 0 0 0 0 153,056 22,927 0 0 6,983,624 15,669,227 1,292,023 7,135 0 0 0 0 0 0 23,865,169 0 59,717,969 0 833 0 0 263 1,070,246 0 0 0 0 69,844 55 0 0 0 0 0 0 111,476,689 111,406,845

0 0 0 0 0 0 0 1,229 8,237 980,296 0 222,595 0 0 0 0 158,283 10,988 0 0 8,913,761 12,891,794 606,791 1,711 0 0 0 0 0 0 28,254,164 0 63,764,942 0 1,190 0 0 567 1,365,544 0 0 0 0 71,191 106 0 0 0 0 0 0 117,253,389 117,182,198

0 0 0 0 0 0 128 1,394 9,275 49,983 0 245,505 0 0 0 0 146,574 16,463 0 0 10,355,573 11,240,775 895,652 5,241 0 0 0 0 0 0 23,440,871 0 54,868,488 0 707 0 0 1,467 1,802,194 0 0 0 0 81,879 101 0 0 4 0 0 0 103,162,274 103,080,395

0 0 0 0 0 0 1 2 52 1,675 0 533 0 0 0 0 1,689 38 0 0 45,161 105,669 735 10 0 0 0 0 0 0 30,676 0 69,534 0 1 0 0 1 8,121 0 0 0 0 n/a 0 0 0 0 0 0 0 n/a 263,898

0 0 0 0 0 0 0 2 41 677 0 804 0 0 0 0 1,664 17 0 0 59,346 104,162 308 4 0 0 0 0 0 0 41,397 0 90,368 0 2 0 0 3 10,356 0 0 0 0 n/a 1 0 0 0 0 0 0 n/a 309,152

0 0 0 0 0 0 2 3 35 34 0 902 0 0 0 0 1,520 26 0 0 70,605 97,334 557 8 0 0 0 0 0 0 36,376 0 93,242 0 1 0 0 7 13,672 0 0 0 0 n/a 0 0 0 0 0 0 0 n/a 314,324



Table 16B

Personal Injury Protection 2010-2012 Residual Business Incurred Losses STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Incurred Claims

2012

2011

2010

2012

2011

2010

0 0 0 0 0 0 0 0 0 8,062,626 0 70,771 0 0 0 0 71,220 44,682 0 0 6,724,646 14,817,558 263,508 30,449 0 0 0 0 0 0 25,781,501 0 54,057,392 0 0 0 0 0 1,352,393 0 0 0 0 2,910 0 0 0 0 0 0 0 111,279,656 111,276,746

0 0 0 0 0 0 0 0 0 1,411,245 0 131,648 0 0 0 0 71,886 1,202 0 0 9,338,906 15,553,827 25,718 0 0 0 0 0 0 0 34,565,881 0 83,233,249 0 0 0 0 0 1,619,336 0 0 0 0 30,095 0 0 0 0 0 0 0 145,982,993 145,952,898

0 0 0 0 0 0 0 0 0 99,394 0 111,504 0 0 0 0 100,022 1,194 0 0 11,774,830 14,447,349 2,027,911 0 0 0 0 0 0 0 34,025,380 0 86,705,061 0 0 0 0 0 2,415,094 0 0 0 0 16,077 0 0 0 0 0 0 0 151,723,816 151,707,739

0 0 0 0 0 0 0 0 0 895 0 18 0 0 0 0 20 3 0 0 2,795 3,673 22 2 0 0 0 0 0 0 1,684 0 3,642 0 0 0 0 0 324 0 0 0 0 n/a 0 0 0 0 0 0 0 n/a 13,078

0 0 0 0 0 0 0 0 0 231 0 23 0 0 0 0 20 1 0 0 3,792 3,612 5 0 0 0 0 0 0 0 2,305 0 5,518 0 0 0 0 0 391 0 0 0 0 n/a 0 0 0 0 0 0 0 n/a 15,898

0 0 0 0 0 0 0 0 0 18 0 22 0 0 0 0 21 1 0 0 4,694 3,830 25 0 0 0 0 0 0 0 2,371 0 6,593 0 0 0 0 0 527 0 0 0 0 n/a 0 0 0 0 0 0 0 n/a 18,102



Table 16C

Personal Injury Protection 2010-2012 Residual Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

0.00 0.00 0.00 4,813.51 132.78 42.17 1,175.84 148.90 140.23 358.51 3,044.90 840.45 777.42 0.00 0.00 166.53 n/a n/a 421.67

0.00 0.00 2,084.56 163.74 43.20 70.71 157.36 149.32 83.50 0.00 834.99 921.05 0.00 0.00 156.37 n/a 0.00 n/a 472.11

0.00 0.00 0.00 2,923.35 123.62 65.80 45.92 166.77 148.43 3,640.77 0.00 935.38 929.89 0.00 0.00 176.65 n/a n/a 482.65

0.00 0.00 0.00 326.20 49.43 46.53 194.89 96.29 94.56 20.39 426.76 108.03 90.52 0.00 0.00 126.36 4.17 0.00 99.82 99.88

0.00 0.00 143.96 59.14 45.42 10.94 104.77 120.65 4.24 0.00 122.34 130.53 0.00 0.00 118.59 42.27 0.00 124.50 124.55

0.00 0.00 0.00 198.86 45.42 68.24 7.25 113.71 128.53 226.42 0.00 145.15 158.02 0.00 0.00 134.01 19.64 0.00 0.00 147.07 147.17



Table 16D

Personal Injury Protection 2010-2012 Residual Business Frequency

Severity

STATE

2012

2011

2010

2012

2011

2010


0.00 0.00 0.00 53.43 3.38 1.18 7.89 6.19 3.48 2.99 20.00 5.49 5.24 0.00 0.00 3.99 n/a n/a 4.96

0.00 0.00 34.12 2.86 1.20 5.88 6.39 3.47 1.62 0.00 5.57 6.11 0.00 0.00 3.78 n/a 0.00 n/a 5.14

0.00 0.00 0.00 52.94 2.44 1.38 3.85 6.65 3.93 4.49 0.00 6.52 7.07 0.00 0.00 3.85 n/a n/a 5.76

9,008.52 3,931.72 3,561.00 14,894.00 2,405.96 4,034.18 11,977.64 15,224.50 15,309.68 14,842.78 4,174.05 n/a n/a 8,508.70

6,109.29 5,723.83 3,594.30 1,202.00 2,462.79 4,306.15 5,143.60 14,996.04 15,083.95 4,141.52 n/a n/a 9,180.58

5,521.89 5,068.36 4,762.95 1,194.00 2,508.49 3,772.15 81,116.44 14,350.65 13,151.08 4,582.72 n/a n/a 8,380.72



Table 17A

Personal Injury Protection 2010-2012 Total Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

0 0 0 0 0 0 5,384,666 121,251,023 5,985,227 3,025,563,017 0 70,350,091 0 0 0 0 111,750,408 291,427,783 0 0 278,580,675 218,645,136 2,569,387,936 536,713,051 0 0 0 0 0 0 1,618,499,903 0 2,288,795,609 0 34,810,207 0 0 269,918,496 681,575,539 0 0 0 0 419,521,676 70,773,669 0 0 279,447,797 0 0 0 12,898,381,909 12,478,860,233

0 0 0 0 0 0 5,647,964 120,122,634 6,081,562 2,553,691,001 0 70,592,437 0 0 0 0 110,546,090 280,336,239 0 0 271,921,557 203,895,087 2,236,956,880 504,473,475 0 0 0 0 0 0 1,547,553,891 0 2,133,853,697 0 32,192,573 0 0 260,812,645 687,462,326 0 0 0 0 405,185,175 71,107,017 0 0 277,185,550 0 0 0 11,779,617,800 11,374,432,625

0 0 0 0 0 0 6,094,147 117,505,177 6,002,034 2,193,932,454 0 69,125,962 0 0 0 0 108,737,509 258,305,362 0 0 263,123,595 191,658,527 1,925,547,430 488,642,851 0 0 0 0 0 0 1,386,687,105 0 2,011,578,817 0 30,267,709 0 0 249,354,697 692,295,614 0 0 0 0 405,197,132 71,625,207 0 0 280,754,580 0 0 0 10,756,435,909 10,351,238,777

0 0 0 0 0 0 198,933 608,944 160,687 11,512,448 0 799,941 0 0 0 0 2,157,122 3,005,456 0 0 3,929,213 4,103,119 5,465,668 3,755,139 0 0 0 0 0 0 5,261,933 0 9,223,349 0 587,290 0 0 2,624,975 8,240,292 0 0 0 0 n/a 1,678,572 0 0 3,182,763 0 0 0 n/a 66,495,844

0 0 0 0 0 0 202,351 601,843 162,315 11,378,707 0 787,036 0 0 0 0 2,138,870 2,968,713 0 0 3,893,407 4,071,679 5,319,019 3,724,559 0 0 0 0 0 0 5,244,105 0 9,224,304 0 563,696 0 0 2,636,949 8,259,684 0 0 0 0 n/a 1,649,791 0 0 3,207,889 0 0 0 n/a 66,034,917

0 0 0 0 0 0 175,869 591,461 165,794 11,417,984 0 747,538 0 0 0 0 2,130,478 2,970,733 0 0 3,857,003 3,988,038 5,258,770 3,695,675 0 0 0 0 0 0 5,174,585 0 9,187,599 0 551,424 0 0 2,629,438 8,230,460 0 0 0 0 n/a 1,640,951 0 0 3,240,137 0 0 0 n/a 65,653,937



Table 17B

Personal Injury Protection 2010-2012 Total Business Incurred Losses STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Incurred Claims

2012

2011

2010

2012

2011

2010

0 0 0 5,162 0 0 4,227,892 94,293,387 3,955,526 2,198,425,243 0 45,705,338 0 0 0 0 72,367,611 223,065,125 0 0 212,845,519 149,995,944 2,903,272,901 398,806,247 0 0 0 0 0 0 1,088,244,353 0 1,452,258,958 0 26,968,678 0 0 201,217,457 492,070,393 0 0 0 0 278,434,894 50,029,782 0 0 234,046,765 0 0 0 10,130,237,175 9,851,802,281

0 0 0 0 0 0 5,138,926 93,162,616 3,784,602 2,689,555,353 0 44,462,748 0 0 0 0 71,481,562 221,868,359 0 0 225,929,604 145,617,858 2,461,988,739 405,777,422 0 0 0 0 0 0 1,223,965,444 0 1,647,768,557 0 27,033,684 0 0 193,465,473 531,143,645 0 0 0 0 260,520,341 47,553,095 0 0 226,547,534 0 0 0 10,526,765,562 10,266,245,221

0 0 0 0 0 0 5,949,907 92,156,430 3,963,570 2,838,586,304 0 45,266,229 0 0 0 0 73,766,457 231,200,048 0 0 226,590,200 143,079,529 2,243,061,297 404,069,392 0 0 0 0 0 0 1,354,267,289 0 1,825,472,252 0 24,890,957 0 0 197,820,208 530,319,306 0 0 0 0 269,648,041 47,429,572 0 0 229,576,165 0 0 0 10,787,113,153 10,517,465,112

0 0 0 1 0 0 900 12,589 674 287,928 0 9,628 0 0 0 0 19,351 66,492 0 0 83,558 41,183 44,620 42,754 0 0 0 0 0 0 75,523 0 190,437 0 3,846 0 0 43,250 133,182 0 0 0 0 n/a 21,807 0 0 48,234 0 0 0 n/a 1,125,957

0 0 0 0 0 0 1,042 11,927 690 348,857 0 9,699 0 0 0 0 19,780 69,108 0 0 86,714 41,112 47,044 46,079 0 0 0 0 0 0 82,287 0 201,506 0 3,931 0 0 41,654 139,142 0 0 0 0 n/a 20,720 0 0 47,327 0 0 0 n/a 1,218,619

0 0 0 0 0 0 1,354 11,447 723 361,598 0 9,999 0 0 0 0 20,218 73,049 0 0 86,754 42,238 41,479 47,932 0 0 0 0 0 0 87,286 0 218,293 0 4,118 0 0 42,357 140,199 0 0 0 0 n/a 19,827 0 0 50,131 0 0 0 n/a 1,259,002



Table 17C

Personal Injury Protection 2010-2012 Total Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

21.25 154.85 24.62 190.96 57.14 33.55 74.22 54.17 36.56 531.18 106.20 206.81 157.45 45.92 76.65 59.72 n/a 29.80 73.54 n/a 148.16

25.40 154.80 23.32 236.37 56.49 33.42 74.74 58.03 35.76 462.87 108.95 233.40 178.63 47.96 73.37 64.31 n/a 28.82 70.62 n/a 155.47

33.83 155.81 23.91 248.61 60.55 34.62 77.83 58.75 35.88 426.54 109.34 261.72 198.69 45.14 75.23 64.43 n/a 28.90 70.85 n/a 160.20

78.52 77.77 66.09 72.66 64.97 64.76 76.54 76.40 68.60 112.99 74.31 67.24 63.45 77.47 74.55 72.20 66.37 70.69 83.75 78.54 78.95

90.99 77.56 62.23 105.32 62.99 64.66 79.14 83.09 71.42 110.06 80.44 79.09 77.22 83.97 74.18 77.26 64.30 66.88 81.73 89.36 90.26

97.63 78.43 66.04 129.38 65.48 67.84 89.51 86.12 74.65 116.49 82.69 97.66 90.75 82.24 79.33 76.60 66.55 66.22 81.77 100.29 101.61



Table 17D

Personal Injury Protection 2010-2012 Total Business Frequency STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Severity

2012

2011

2010

2012

2011

2010

0.45 2.07 0.42 2.50 1.20 0.90 2.21 2.13 1.00 0.82 1.14 1.44 2.06 0.65 1.65 1.62 n/a 1.30 1.52 n/a 1.69

0.51 1.98 0.43 3.07 1.23 0.92 2.33 2.23 1.01 0.88 1.24 1.57 2.18 0.70 1.58 1.68 n/a 1.26 1.48 n/a 1.85

0.77 1.94 0.44 3.17 1.34 0.95 2.46 2.25 1.06 0.79 1.30 1.69 2.38 0.75 1.61 1.70 n/a 1.21 1.55 n/a 1.92

5,162.00 4,697.66 7,490.14 5,868.73 7,635.33 4,747.13 3,739.73 3,354.77 2,547.28 3,642.18 65,066.63 9,327.93 14,409.44 7,625.93 7,012.14 4,652.43 3,694.72 n/a 2,294.21 4,852.32 n/a 8,749.71

4,931.79 7,811.07 5,484.93 7,709.62 4,584.26 3,613.83 3,210.46 2,605.46 3,541.98 52,333.75 8,806.12 14,874.35 8,177.27 6,877.05 4,644.58 3,817.28 n/a 2,295.03 4,786.86 n/a 8,424.49

4,394.32 8,050.71 5,482.12 7,850.12 4,527.08 3,648.55 3,165.00 2,611.87 3,387.46 54,077.03 8,430.05 15,515.29 8,362.49 6,044.43 4,670.31 3,782.62 n/a 2,392.17 4,579.52 n/a 8,353.81


Medical Payments



Medical Payments Medical payments (MedPay) coverage pays medical and funeral expenses that the vehicle owner and any passengers or pedestrians incur as a result of an auto accident. Benefits are paid without regard to fault.

MedPay is the principal auto injury coverage in those states with traditional tort liability laws. MedPay may be required or optional, depending on state law.

Medical Payments State-Specific Information and Technical Notes Voluntary Market Business and Residual Market Business Medical Payments—Earned Premiums Massachusetts—Massachusetts Commonwealth Automobile Reinsurers (M-CAR) collects bodily injury liability, uninsured motorists, and medical payments data as a total premium. Due to the competitive nature of the rates in Massachusetts, it is not possible to project these values. Therefore, the bodily injury liability portion of this report includes both uninsured motorist and medical payment premiums.

Medical Payments Calculations—Loss Experience Results Texas—Earned exposure and incurred claims data are not available, as indicated by “n/a.” Because the results for pure premium, frequency and severity are calculated using earned exposures and incurred claims, there are no data in these columns for Texas. Medical Payments Required Limits Maine—Compulsory medical payments coverage with $2,000 per person minimum limits. Medical Payments Loss Development Incurred losses are developed to 39 months.




Table 18A

Medical Payments 2010-2012 Voluntary Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

66,941,280 19,494,142 66,455,640 36,398,252 418,838,922 143,366,216 33,369,918 29,940 144,191 121,618,723 163,240,914 64,200 28,464,585 192,529,748 131,771,352 49,405,548 2,107,899 3,038,492 59,678,613 19,430,558 12,002,565 0 66,236 19,601 44,007,581 82,288,833 23,779,636 36,992,435 49,835,807 24,919,865 1,923,590 25,411,167 23,917,309 133,945,564 2,135 178,894,388 57,046,793 912,257 244,871 13,772,578 22,379,157 15,178,786 90,596,084 46,088,153 236,113 7,168,001 156,797,152 5,800,373 44,372,107 100,008,392 16,491,029 2,771,487,691 2,725,399,538

66,674,559 19,511,569 67,914,728 35,579,901 421,130,614 135,776,170 33,100,999 31,638 145,270 126,338,740 159,890,246 64,924 28,566,727 195,500,647 132,007,330 50,870,980 2,072,618 2,833,855 61,103,965 18,970,099 11,961,886 0 57,269 27,353 44,017,526 85,447,287 24,397,273 37,636,541 51,722,342 25,688,632 1,993,005 25,591,045 26,185,903 133,601,304 1,739 175,675,027 57,332,312 880,928 125,609 13,351,114 21,653,230 14,952,699 88,559,225 43,327,115 221,363 7,307,095 155,786,712 4,925,514 45,044,269 102,365,087 16,698,362 2,774,620,345 2,731,293,230

67,546,541 19,629,319 71,109,968 34,998,455 428,713,052 142,024,496 33,193,507 33,927 154,855 136,870,668 153,575,792 72,147 28,861,435 199,382,308 131,576,531 52,224,617 2,035,125 2,479,629 59,679,583 19,746,463 12,092,484 0 57,723 34,919 45,177,250 86,275,003 24,662,395 38,246,742 54,977,221 26,441,069 2,045,678 26,243,258 27,546,170 136,105,571 1,223 176,593,601 56,889,373 871,705 148,338 12,830,056 21,356,294 15,204,297 87,423,168 42,148,771 205,224 7,449,225 152,468,791 3,911,199 44,993,581 94,280,993 16,432,293 2,797,022,033 2,754,873,262

2,630,702 321,982 1,439,000 887,957 10,878,295 2,784,651 693,029 14,168 10,271 3,203,863 2,821,168 17,367 839,497 6,012,730 3,797,977 2,189,584 250,339 634,319 1,447,600 821,537 456,965 1,449,819 23,315 1,549 1,368,657 2,563,745 465,472 1,348,290 738,600 803,537 1,582,588 777,456 4,447,587 4,982,121 282 6,836,200 1,200,618 100,914 10,923 577,210 778,238 582,327 3,535,277 n/a 20,524 320,625 3,722,971 132,355 965,643 3,498,044 381,858 n/a 85,369,746

2,635,241 320,446 1,441,447 876,499 10,867,310 2,767,360 695,019 14,884 10,242 3,323,107 2,900,447 17,614 835,732 6,025,119 3,863,711 2,184,278 250,302 636,152 1,452,548 830,882 462,515 1,449,487 25,541 1,517 1,348,434 2,577,089 469,076 1,333,829 741,376 804,598 1,636,369 778,509 4,581,809 4,972,682 241 6,887,418 1,212,417 100,563 5,457 581,413 769,642 576,105 3,505,320 n/a 21,220 326,316 3,757,724 123,212 974,544 3,460,827 378,222 n/a 85,811,812

2,649,816 315,352 1,435,906 862,086 10,958,468 2,776,834 695,682 15,844 10,328 3,483,253 2,908,136 18,105 838,446 6,050,954 3,866,474 2,186,350 249,610 632,609 1,461,870 837,641 471,497 1,420,607 27,451 1,358 1,342,361 2,587,197 471,810 1,333,113 752,315 798,254 1,668,508 780,625 4,675,819 4,985,808 144 6,907,852 1,217,413 99,380 4,447 575,043 754,355 575,180 3,490,527 n/a 21,301 333,463 3,782,225 109,151 978,414 3,437,249 377,366 n/a 86,233,997



Table 18B

Medical Payments 2010-2012 Voluntary Business Incurred Losses STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Incurred Claims

2012

2011

2010

2012

2011

2010

45,967,495 16,509,380 52,045,183 30,628,097 306,664,617 114,697,138 28,603,436 34,057 288,716 89,861,117 138,118,946 91,970 20,327,185 156,914,399 113,607,935 33,668,856 2,064,687 2,405,448 44,699,833 17,107,734 9,893,236 21,546,257 281,261 71,309 32,882,036 51,791,702 16,383,445 28,457,845 39,412,890 17,841,067 1,282,610 18,421,163 11,547,039 106,318,831 0 149,280,657 39,566,156 1,244,048 149,099 14,759,672 18,741,007 10,893,884 68,722,238 31,552,736 309,932 5,886,460 115,433,443 9,922,299 31,406,316 87,424,989 12,575,233 2,168,305,089 2,136,752,353

46,634,988 15,271,048 53,018,338 31,004,502 308,182,401 121,201,270 29,600,465 16,025 99,030 101,618,108 137,404,486 164,285 18,886,701 151,973,597 102,194,566 31,900,620 2,068,788 2,377,110 48,263,828 17,498,136 11,131,002 21,908,756 85,613 98,193 35,677,834 56,713,605 15,479,802 29,177,368 41,086,064 19,431,229 1,232,523 18,965,917 10,992,854 107,583,055 0 145,059,219 39,649,348 1,541,990 182,688 13,917,645 19,532,865 10,950,286 67,895,699 27,011,928 257,605 5,888,580 123,190,761 8,713,820 31,974,903 85,399,814 11,233,330 2,181,342,588 2,154,330,660

48,075,405 15,239,699 50,395,371 29,945,804 308,665,223 122,620,808 32,718,359 21,860 175,866 112,777,464 145,869,486 110,487 18,826,159 152,518,691 109,163,754 33,242,065 2,052,628 2,722,877 48,540,520 17,875,549 11,292,487 22,643,962 574,326 26,372 36,610,734 59,722,161 16,167,276 28,454,043 42,336,915 19,478,764 1,210,918 18,521,317 13,924,073 109,422,410 66,900 143,328,173 41,661,782 1,129,259 31,804 12,757,123 19,874,551 11,776,768 67,967,319 30,309,741 258,558 6,437,645 121,961,665 7,080,235 34,372,324 77,118,778 13,774,782 2,221,851,240 2,191,541,499

16,789 3,157 14,508 8,359 102,697 27,641 8,191 6 37 37,159 34,836 18 7,239 41,680 29,222 10,949 702 3,700 13,421 6,530 3,169 4,827 13 10 11,410 17,099 3,885 8,034 9,633 6,249 375 6,603 1,177 57,648 0 48,730 11,262 168 25 6,167 8,720 3,510 22,425 n/a 85 1,927 30,092 1,684 9,440 20,872 2,307 n/a 664,387

17,532 2,978 14,681 8,270 102,074 30,109 8,683 3 33 41,185 35,567 38 6,944 41,442 28,740 11,077 675 3,662 13,821 6,683 3,470 4,973 6 7 12,516 18,658 3,957 8,358 10,044 6,520 369 6,435 1,319 59,508 0 49,296 10,713 194 19 5,954 9,348 3,952 22,222 n/a 68 2,053 30,583 1,443 9,866 21,190 2,448 n/a 679,686

18,048 2,988 13,920 8,267 108,089 28,906 9,141 6 41 46,422 38,059 21 7,537 43,329 31,842 12,470 676 3,612 14,480 6,486 3,582 4,955 20 2 12,842 19,436 4,161 8,923 10,182 6,647 443 6,625 1,769 60,968 2 49,430 11,655 154 19 5,587 9,314 4,102 21,923 n/a 84 2,290 30,476 1,243 10,356 20,451 2,606 n/a 704,587



Table 18C

Medical Payments 2010-2012 Voluntary Business Pure Premium

Loss Ratio

STATE

2012

2011

2010

2012

2011

2010


17.47 51.27 36.17 34.49 28.19 41.19 41.27 2.40 28.11 28.05 48.96 5.30 24.21 26.10 29.91 15.38 8.25 3.79 30.88 20.82 21.65 14.86 12.06 46.04 24.03 20.20 35.20 21.11 53.36 22.20 0.81 23.69 2.60 21.34 0.00 21.84 32.95 12.33 13.65 25.57 24.08 18.71 19.44 n/a 15.10 18.36 31.01 74.97 32.52 24.99 32.93 n/a 25.03

17.70 47.66 36.78 35.37 28.36 43.80 42.59 1.08 9.67 30.58 47.37 9.33 22.60 25.22 26.45 14.60 8.27 3.74 33.23 21.06 24.07 15.11 3.35 64.73 26.46 22.01 33.00 21.87 55.42 24.15 0.75 24.36 2.40 21.63 0.00 21.06 32.70 15.33 33.48 23.94 25.38 19.01 19.37 n/a 12.14 18.05 32.78 70.72 32.81 24.68 29.70 n/a 25.11

18.14 48.33 35.10 34.74 28.17 44.16 47.03 1.38 17.03 32.38 50.16 6.10 22.45 25.21 28.23 15.20 8.22 4.30 33.20 21.34 23.95 15.94 20.92 19.42 27.27 23.08 34.27 21.34 56.28 24.40 0.73 23.73 2.98 21.95 464.58 20.75 34.22 11.36 7.15 22.18 26.35 20.47 19.47 n/a 12.14 19.31 32.25 64.87 35.13 22.44 36.50 n/a 25.41

68.67 84.69 78.32 84.15 73.22 80.00 85.72 113.75 200.23 73.89 84.61 143.26 71.41 81.50 86.22 68.15 97.95 79.17 74.90 88.05 82.43 424.63 363.80 74.72 62.94 68.90 76.93 79.09 71.59 66.68 72.49 48.28 79.37 0.00 83.45 69.36 136.37 60.89 107.17 83.74 71.77 75.86 68.46 131.26 82.12 73.62 171.06 70.78 87.42 76.25 78.24 78.40

69.94 78.27 78.07 87.14 73.18 89.27 89.42 50.65 68.17 80.43 85.94 253.04 66.11 77.74 77.42 62.71 99.82 83.88 78.99 92.24 93.05 149.49 358.98 81.05 66.37 63.45 77.52 79.44 75.64 61.84 74.11 41.98 80.53 0.00 82.57 69.16 175.04 145.44 104.24 90.21 73.23 76.67 62.34 116.37 80.59 79.08 176.91 70.99 83.43 67.27 78.62 78.88

71.17 77.64 70.87 85.56 72.00 86.34 98.57 64.43 113.57 82.40 94.98 153.14 65.23 76.50 82.97 63.65 100.86 109.81 81.34 90.53 93.38 994.97 75.52 81.04 69.22 65.55 74.40 77.01 73.67 59.19 70.58 50.55 80.40 5,470.16 81.16 73.23 129.55 21.44 99.43 93.06 77.46 77.75 71.91 125.99 86.42 79.99 181.02 76.39 81.80 83.83 79.44 79.55



Table 18D

Medical Payments 2010-2012 Voluntary Business Frequency STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Severity

2012

2011

2010

2012

2011

2010

0.64 0.98 1.01 0.94 0.94 0.99 1.18 0.04 0.36 1.16 1.23 0.10 0.86 0.69 0.77 0.50 0.28 0.58 0.93 0.79 0.69 0.33 0.06 0.65 0.83 0.67 0.83 0.60 1.30 0.78 0.02 0.85 0.03 1.16 0.00 0.71 0.94 0.17 0.23 1.07 1.12 0.60 0.63 n/a 0.41 0.60 0.81 1.27 0.98 0.60 0.60 n/a 0.78

0.67 0.93 1.02 0.94 0.94 1.09 1.25 0.02 0.32 1.24 1.23 0.22 0.83 0.69 0.74 0.51 0.27 0.58 0.95 0.80 0.75 0.34 0.02 0.46 0.93 0.72 0.84 0.63 1.35 0.81 0.02 0.83 0.03 1.20 0.00 0.72 0.88 0.19 0.35 1.02 1.21 0.69 0.63 n/a 0.32 0.63 0.81 1.17 1.01 0.61 0.65 n/a 0.79

0.68 0.95 0.97 0.96 0.99 1.04 1.31 0.04 0.40 1.33 1.31 0.12 0.90 0.72 0.82 0.57 0.27 0.57 0.99 0.77 0.76 0.35 0.07 0.15 0.96 0.75 0.88 0.67 1.35 0.83 0.03 0.85 0.04 1.22 1.39 0.72 0.96 0.15 0.43 0.97 1.23 0.71 0.63 n/a 0.39 0.69 0.81 1.14 1.06 0.59 0.69 n/a 0.82

2,737.95 5,229.45 3,587.34 3,664.09 2,986.11 4,149.53 3,492.06 5,676.17 7,803.14 2,418.29 3,964.83 5,109.44 2,808.01 3,764.74 3,887.75 3,075.06 2,941.15 650.12 3,330.59 2,619.87 3,121.88 4,463.70 21,635.46 7,130.90 2,881.86 3,028.93 4,217.10 3,542.18 4,091.45 2,855.03 3,420.29 2,789.82 9,810.57 1,844.28 3,063.42 3,513.24 7,405.05 5,963.96 2,393.33 2,149.20 3,103.67 3,064.54 n/a 3,646.26 3,054.73 3,836.02 5,892.10 3,326.94 4,188.63 5,450.90 n/a 3,216.13

2,659.99 5,127.95 3,611.36 3,749.03 3,019.21 4,025.42 3,409.01 5,341.67 3,000.91 2,467.36 3,863.26 4,323.29 2,719.86 3,667.14 3,555.83 2,879.90 3,064.87 649.13 3,492.06 2,618.31 3,207.78 4,405.54 14,268.83 14,027.57 2,850.58 3,039.64 3,912.00 3,490.95 4,090.61 2,980.25 3,340.17 2,947.31 8,334.23 1,807.88 2,942.62 3,701.05 7,948.40 9,615.16 2,337.53 2,089.52 2,770.82 3,055.34 n/a 3,788.31 2,868.28 4,028.08 6,038.68 3,240.92 4,030.19 4,588.78 n/a 3,169.60

2,663.75 5,100.30 3,620.36 3,622.33 2,855.66 4,242.05 3,579.30 3,643.33 4,289.41 2,429.40 3,832.72 5,261.29 2,497.83 3,520.01 3,428.29 2,665.76 3,036.43 753.84 3,352.25 2,756.02 3,152.56 4,569.92 28,716.30 13,186.00 2,850.86 3,072.76 3,885.43 3,188.84 4,158.02 2,930.46 2,733.45 2,795.67 7,871.15 1,794.75 33,450.00 2,899.62 3,574.58 7,332.85 1,673.89 2,283.36 2,133.84 2,870.98 3,100.27 n/a 3,078.07 2,811.20 4,001.89 5,696.09 3,319.07 3,770.90 5,285.80 n/a 3,110.39



Table 19A

Medical Payments 2010-2012 Residual Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

0 517 0 37 6,550 0 0 0 208 676 0 0 38 28,080 74 562 1,301 0 8 1,109 0 0 0 0 378 418 1,378 72 0 10,898 11,854 40 64,052 0 0 0 33 0 0 31,349 0 0 235 0 0 5,360 25,033 0 735 0 0 190,995 190,995

0 1,699 0 96 8,651 0 0 781 529 504 0 0 357 33,794 19 877 1,409 0 63 1,202 0 0 0 0 488 333 3,509 10 52 16,909 18,030 157 70,402 0 0 0 1,607 0 0 29,214 0 43 284 0 0 9,299 28,811 0 585 0 0 229,714 229,714

27 4,578 2 159 9,828 0 0 219 1,120 2 0 0 809 35,054 194 552 1,177 0 -13 989 0 0 0 0 1,139 291 4,997 38 92 28,544 21,456 365 76,857 0 0 4 1,012 0 0 28,870 0 0 343 0 0 14,781 38,209 18 449 0 -3 272,159 272,159

0 5 0 1 109 0 0 0 2 7 0 0 2 465 2 15 180 0 0 16 0 21,687 0 0 6 7 36 1 0 133 12,635 1 58,608 0 0 0 1 0 0 827 0 0 3 n/a 0 75 138 0 7 0 0 n/a 94,969

0 12 0 1 139 0 0 1 3 3 0 0 9 550 2 27 186 0 1 13 0 22,641 0 0 8 6 74 0 1 211 19,389 4 79,077 0 0 0 2 0 0 759 0 0 5 n/a 0 127 157 0 4 0 0 n/a 123,412

0 30 -1 2 162 0 0 1 11 0 0 0 18 598 3 16 163 0 0 16 0 22,553 0 0 10 3 125 0 1 338 19,363 6 80,464 0 0 0 3 0 0 743 0 0 11 n/a 0 197 201 0 3 0 0 n/a 125,040



Table 19B

Medical Payments 2010-2012 Residual Business Incurred Losses STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Incurred Claims

2012

2011

2010

2012

2011

2010

0 0 0 0 2,000 0 0 0 0 0 0 0 0 53,231 0 0 0 0 0 0 0 905,910 0 0 0 0 995 0 0 0 71,636 0 158,910 0 0 0 0 0 0 67,919 0 0 0 0 0 0 18,056 0 5,247 0 0 1,283,904 1,283,904

0 0 0 0 1,452 0 0 0 0 0 0 0 0 25,637 0 1,116 3,223 0 0 0 0 870,164 0 0 0 0 4,545 0 0 25,330 85,052 0 297,420 0 0 0 0 0 0 28,581 0 0 0 0 0 3,486 4,172 0 0 0 0 1,350,178 1,350,178

0 0 0 1,147 5,000 0 0 0 0 0 0 0 0 31,796 0 0 15,659 0 0 0 0 1,090,243 0 0 0 0 0 0 0 7,255 108,981 0 366,176 0 0 2,056 0 0 0 45,908 0 0 0 0 0 37,021 12,862 0 0 0 0 1,724,104 1,724,104

0 0 0 0 2 0 0 0 0 0 0 0 0 16 0 0 0 0 0 0 0 216 0 0 0 0 1 0 0 0 11 0 44 0 0 0 0 0 0 27 0 0 0 n/a 0 0 6 0 1 0 0 n/a 324

0 0 0 0 2 0 0 0 0 0 0 0 0 8 0 1 2 0 0 0 0 240 0 0 0 0 4 0 0 6 14 0 66 0 0 0 0 0 0 12 0 0 0 n/a 0 2 4 0 0 0 0 n/a 361

0 0 0 1 5 0 0 0 0 0 0 0 0 9 0 0 6 0 0 0 0 238 0 0 0 0 0 0 0 3 14 0 100 0 0 1 0 0 0 24 0 0 0 n/a 0 8 6 0 0 0 0 n/a 415



Table 19C

Medical Payments 2010-2012 Residual Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

0.00 0.00 18.35 0.00 0.00 0.00 114.48 0.00 0.00 0.00 0.00 41.77 0.00 0.00 27.64 0.00 0.00 5.67 0.00 2.71 0.00 82.13 0.00 n/a 0.00 130.84 749.57 n/a 13.52

0.00 0.00 10.45 0.00 0.00 0.00 0.00 46.61 0.00 41.33 17.33 0.00 0.00 38.43 0.00 0.00 61.42 0.00 120.05 4.39 0.00 3.76 0.00 37.66 0.00 n/a 27.45 26.57 0.00 n/a 10.94

0.00 0.00 573.50 30.86 0.00 0.00 0.00 53.17 0.00 0.00 96.07 0.00 48.34 0.00 0.00 0.00 0.00 21.46 5.63 0.00 4.55 0.00 61.79 0.00 n/a 187.92 63.99 0.00 n/a 13.79

0.00 0.00 30.53 0.00 0.00 0.00 189.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 72.21 0.00 0.00 604.32 0.00 248.10 0.00 216.65 0.00 0.00 72.13 713.88 672.22 672.22

0.00 0.00 16.78 0.00 0.00 0.00 0.00 75.86 0.00 127.25 228.74 0.00 0.00 0.00 0.00 129.52 0.00 0.00 149.80 471.72 0.00 422.46 0.00 97.83 0.00 0.00 37.49 14.48 0.00 587.76 587.76

0.00 0.00 0.00 721.38 50.88 0.00 0.00 0.00 0.00 90.71 0.00 0.00 1,330.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00 25.42 507.93 0.00 476.44 51,400.00 0.00 159.02 0.00 250.46 33.66 0.00 0.00 0.00 633.49 633.49



Table 19D

Medical Payments 2010-2012 Residual Business Frequency

Severity

STATE

2012

2011

2010

2012

2011

2010


0.00 0.00 1.83 0.00 0.00 0.00 3.44 0.00 0.00 0.00 0.00 1.00 0.00 0.00 2.78 0.00 0.00 0.09 0.00 0.08 0.00 3.26 0.00 n/a 0.00 4.35 14.29 n/a 0.34

0.00 0.00 1.44 0.00 0.00 0.00 0.00 1.45 0.00 3.70 1.08 0.00 0.00 1.06 0.00 0.00 5.41 0.00 2.84 0.07 0.00 0.08 0.00 1.58 0.00 n/a 1.57 2.55 0.00 n/a 0.29

0.00 0.00 50.00 3.09 0.00 0.00 0.00 1.51 0.00 0.00 3.68 0.00 1.06 0.00 0.00 0.00 0.00 0.89 0.07 0.00 0.12 0.00 3.23 0.00 n/a 4.06 2.99 0.00 n/a 0.33

1,000.00 3,326.94 4,194.03 995.00 6,512.36 3,611.59 2,515.52 n/a 3,009.33 5,247.00 n/a 3,962.67

726.00 3,204.63 1,116.00 1,611.50 3,625.68 1,136.25 4,221.67 6,075.14 4,506.36 2,381.75 n/a 1,743.00 1,043.00 n/a 3,740.11

1,147.00 1,000.00 3,532.89 2,609.83 4,580.85 2,418.33 7,784.36 3,661.76 2,056.00 1,912.83 n/a 4,627.63 2,143.67 n/a 4,154.47



Table 20A

Medical Payments 2010-2012 Total Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

66,941,280 19,494,659 66,455,640 36,398,289 418,845,472 143,366,216 33,369,918 29,940 144,399 121,619,399 163,240,914 64,200 28,464,623 192,557,828 131,771,426 49,406,110 2,109,200 3,038,492 59,678,621 19,431,667 12,002,565 0 66,236 19,601 44,007,959 82,289,251 23,781,014 36,992,507 49,835,807 24,930,763 1,935,444 25,411,207 23,981,361 133,945,564 2,135 178,894,388 57,046,826 912,257 244,871 13,803,927 22,379,157 15,178,786 90,596,319 46,088,153 236,113 7,173,361 156,822,185 5,800,373 44,372,842 100,008,392 16,491,029 2,771,678,686 2,725,590,533

66,674,559 19,513,268 67,914,728 35,579,997 421,139,265 135,776,170 33,100,999 32,419 145,799 126,339,244 159,890,246 64,924 28,567,084 195,534,441 132,007,349 50,871,857 2,074,027 2,833,855 61,104,028 18,971,301 11,961,886 0 57,269 27,353 44,018,014 85,447,620 24,400,782 37,636,551 51,722,394 25,705,541 2,011,035 25,591,202 26,256,305 133,601,304 1,739 175,675,027 57,333,919 880,928 125,609 13,380,328 21,653,230 14,952,742 88,559,509 43,327,115 221,363 7,316,394 155,815,523 4,925,514 45,044,854 102,365,087 16,698,362 2,774,850,059 2,731,522,944

67,546,568 19,633,897 71,109,970 34,998,614 428,722,880 142,024,496 33,193,507 34,146 155,975 136,870,670 153,575,792 72,147 28,862,244 199,417,362 131,576,725 52,225,169 2,036,302 2,479,629 59,679,570 19,747,452 12,092,484 0 57,723 34,919 45,178,389 86,275,294 24,667,392 38,246,780 54,977,313 26,469,613 2,067,134 26,243,623 27,623,027 136,105,571 1,223 176,593,605 56,890,385 871,705 148,338 12,858,926 21,356,294 15,204,297 87,423,511 42,148,771 205,224 7,464,006 152,507,000 3,911,217 44,994,030 94,280,993 16,432,290 2,797,294,192 2,755,145,421

2,630,702 321,987 1,439,000 887,958 10,878,404 2,784,651 693,029 14,168 10,273 3,203,870 2,821,168 17,367 839,499 6,013,195 3,797,979 2,189,599 250,519 634,319 1,447,600 821,553 456,965 1,471,506 23,315 1,549 1,368,663 2,563,752 465,508 1,348,291 738,600 803,670 1,595,223 777,457 4,506,195 4,982,121 282 6,836,200 1,200,619 100,914 10,923 578,037 778,238 582,327 3,535,280 n/a 20,524 320,700 3,723,109 132,355 965,650 3,498,044 381,858 n/a 85,464,715

2,635,241 320,458 1,441,447 876,500 10,867,449 2,767,360 695,019 14,885 10,245 3,323,110 2,900,447 17,614 835,741 6,025,669 3,863,713 2,184,305 250,488 636,152 1,452,549 830,895 462,515 1,472,128 25,541 1,517 1,348,442 2,577,095 469,150 1,333,829 741,377 804,809 1,655,758 778,513 4,660,886 4,972,682 241 6,887,418 1,212,419 100,563 5,457 582,172 769,642 576,105 3,505,325 n/a 21,220 326,443 3,757,881 123,212 974,548 3,460,827 378,222 n/a 85,935,224

2,649,816 315,382 1,435,905 862,088 10,958,630 2,776,834 695,682 15,845 10,339 3,483,253 2,908,136 18,105 838,464 6,051,552 3,866,477 2,186,366 249,773 632,609 1,461,870 837,657 471,497 1,443,160 27,451 1,358 1,342,371 2,587,200 471,935 1,333,113 752,316 798,592 1,687,871 780,631 4,756,283 4,985,808 144 6,907,852 1,217,416 99,380 4,447 575,786 754,355 575,180 3,490,538 n/a 21,301 333,660 3,782,426 109,151 978,417 3,437,249 377,366 n/a 86,359,037



Table 20B

Medical Payments 2010-2012 Total Business Incurred Losses STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Incurred Claims

2012

2011

2010

2012

2011

2010

45,967,495 16,509,380 52,045,183 30,628,097 306,666,617 114,697,138 28,603,436 34,057 288,716 89,861,117 138,118,946 91,970 20,327,185 156,967,630 113,607,935 33,668,856 2,064,687 2,405,448 44,699,833 17,107,734 9,893,236 22,452,167 281,261 71,309 32,882,036 51,791,702 16,384,440 28,457,845 39,412,890 17,841,067 1,354,246 18,421,163 11,705,949 106,318,831 0 149,280,657 39,566,156 1,244,048 149,099 14,827,591 18,741,007 10,893,884 68,722,238 31,552,736 309,932 5,886,460 115,451,499 9,922,299 31,411,563 87,424,989 12,575,233 2,169,588,993 2,138,036,257

46,634,988 15,271,048 53,018,338 31,004,502 308,183,853 121,201,270 29,600,465 16,025 99,030 101,618,108 137,404,486 164,285 18,886,701 151,999,234 102,194,566 31,901,736 2,072,011 2,377,110 48,263,828 17,498,136 11,131,002 22,778,920 85,613 98,193 35,677,834 56,713,605 15,484,347 29,177,368 41,086,064 19,456,559 1,317,575 18,965,917 11,290,274 107,583,055 0 145,059,219 39,649,348 1,541,990 182,688 13,946,226 19,532,865 10,950,286 67,895,699 27,011,928 257,605 5,892,066 123,194,933 8,713,820 31,974,903 85,399,814 11,233,330 2,182,692,766 2,155,680,838

48,075,405 15,239,699 50,395,371 29,946,951 308,670,223 122,620,808 32,718,359 21,860 175,866 112,777,464 145,869,486 110,487 18,826,159 152,550,487 109,163,754 33,242,065 2,068,287 2,722,877 48,540,520 17,875,549 11,292,487 23,734,205 574,326 26,372 36,610,734 59,722,161 16,167,276 28,454,043 42,336,915 19,486,019 1,319,899 18,521,317 14,290,249 109,422,410 66,900 143,330,229 41,661,782 1,129,259 31,804 12,803,031 19,874,551 11,776,768 67,967,319 30,309,741 258,558 6,474,666 121,974,527 7,080,235 34,372,324 77,118,778 13,774,782 2,223,575,344 2,193,265,603

16,789 3,157 14,508 8,359 102,699 27,641 8,191 6 37 37,159 34,836 18 7,239 41,696 29,222 10,949 702 3,700 13,421 6,530 3,169 5,043 13 10 11,410 17,099 3,886 8,034 9,633 6,249 386 6,603 1,221 57,648 0 48,730 11,262 168 25 6,194 8,720 3,510 22,425 n/a 85 1,927 30,098 1,684 9,441 20,872 2,307 n/a 664,711

17,532 2,978 14,681 8,270 102,076 30,109 8,683 3 33 41,185 35,567 38 6,944 41,450 28,740 11,078 677 3,662 13,821 6,683 3,470 5,213 6 7 12,516 18,658 3,961 8,358 10,044 6,526 383 6,435 1,385 59,508 0 49,296 10,713 194 19 5,966 9,348 3,952 22,222 n/a 68 2,055 30,587 1,443 9,866 21,190 2,448 n/a 680,047

18,048 2,988 13,920 8,268 108,094 28,906 9,141 6 41 46,422 38,059 21 7,537 43,338 31,842 12,470 682 3,612 14,480 6,486 3,582 5,193 20 2 12,842 19,436 4,161 8,923 10,182 6,650 457 6,625 1,869 60,968 2 49,431 11,655 154 19 5,611 9,314 4,102 21,923 n/a 84 2,298 30,482 1,243 10,356 20,451 2,606 n/a 705,002



Table 20C

Medical Payments 2010-2012 Total Business Pure Premium

Loss Ratio

STATE

2012

2011

2010

2012

2011

2010


17.47 51.27 36.17 34.49 28.19 41.19 41.27 2.40 28.10 28.05 48.96 5.30 24.21 26.10 29.91 15.38 8.24 3.79 30.88 20.82 21.65 15.26 12.06 46.04 24.02 20.20 35.20 21.11 53.36 22.20 0.85 23.69 2.60 21.34 0.00 21.84 32.95 12.33 13.65 25.65 24.08 18.71 19.44 n/a 15.10 18.36 31.01 74.97 32.53 24.99 32.93 n/a 25.02

17.70 47.65 36.78 35.37 28.36 43.80 42.59 1.08 9.67 30.58 47.37 9.33 22.60 25.23 26.45 14.60 8.27 3.74 33.23 21.06 24.07 15.47 3.35 64.73 26.46 22.01 33.01 21.87 55.42 24.18 0.80 24.36 2.42 21.63 0.00 21.06 32.70 15.33 33.48 23.96 25.38 19.01 19.37 n/a 12.14 18.05 32.78 70.72 32.81 24.68 29.70 n/a 25.08

18.14 48.32 35.10 34.74 28.17 44.16 47.03 1.38 17.01 32.38 50.16 6.10 22.45 25.21 28.23 15.20 8.28 4.30 33.20 21.34 23.95 16.45 20.92 19.42 27.27 23.08 34.26 21.34 56.28 24.40 0.78 23.73 3.00 21.95 464.58 20.75 34.22 11.36 7.15 22.24 26.35 20.47 19.47 n/a 12.14 19.40 32.25 64.87 35.13 22.44 36.50 n/a 25.40

68.67 84.69 78.32 84.15 73.22 80.00 85.72 113.75 199.94 73.89 84.61 143.26 71.41 81.52 86.22 68.15 97.89 79.17 74.90 88.04 82.43 424.63 363.80 74.72 62.94 68.90 76.93 79.09 71.56 69.97 72.49 48.81 79.37 0.00 83.45 69.36 136.37 60.89 107.42 83.74 71.77 75.86 68.46 131.26 82.06 73.62 171.06 70.79 87.42 76.25 78.28 78.44

69.94 78.26 78.07 87.14 73.18 89.27 89.42 49.43 67.92 80.43 85.94 253.04 66.11 77.74 77.42 62.71 99.90 83.88 78.99 92.23 93.05 149.49 358.98 81.05 66.37 63.46 77.52 79.44 75.69 65.52 74.11 43.00 80.53 0.00 82.57 69.16 175.04 145.44 104.23 90.21 73.23 76.67 62.34 116.37 80.53 79.06 176.91 70.98 83.43 67.27 78.66 78.92

71.17 77.62 70.87 85.57 72.00 86.34 98.57 64.02 112.75 82.40 94.98 153.14 65.23 76.50 82.97 63.65 101.57 109.81 81.34 90.52 93.38 994.97 75.52 81.04 69.22 65.54 74.40 77.01 73.62 63.85 70.57 51.73 80.40 5,470.16 81.16 73.23 129.55 21.44 99.57 93.06 77.46 77.74 71.91 125.99 86.75 79.98 181.02 76.39 81.80 83.83 79.49 79.61



Table 20D

Medical Payments 2010-2012 Total Business Frequency STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Severity

2012

2011

2010

2012

2011

2010

0.64 0.98 1.01 0.94 0.94 0.99 1.18 0.04 0.36 1.16 1.23 0.10 0.86 0.69 0.77 0.50 0.28 0.58 0.93 0.79 0.69 0.34 0.06 0.65 0.83 0.67 0.83 0.60 1.30 0.78 0.02 0.85 0.03 1.16 0.00 0.71 0.94 0.17 0.23 1.07 1.12 0.60 0.63 n/a 0.41 0.60 0.81 1.27 0.98 0.60 0.60 n/a 0.78

0.67 0.93 1.02 0.94 0.94 1.09 1.25 0.02 0.32 1.24 1.23 0.22 0.83 0.69 0.74 0.51 0.27 0.58 0.95 0.80 0.75 0.35 0.02 0.46 0.93 0.72 0.84 0.63 1.35 0.81 0.02 0.83 0.03 1.20 0.00 0.72 0.88 0.19 0.35 1.02 1.21 0.69 0.63 n/a 0.32 0.63 0.81 1.17 1.01 0.61 0.65 n/a 0.79

0.68 0.95 0.97 0.96 0.99 1.04 1.31 0.04 0.40 1.33 1.31 0.12 0.90 0.72 0.82 0.57 0.27 0.57 0.99 0.77 0.76 0.36 0.07 0.15 0.96 0.75 0.88 0.67 1.35 0.83 0.03 0.85 0.04 1.22 1.39 0.72 0.96 0.15 0.43 0.97 1.23 0.71 0.63 n/a 0.39 0.69 0.81 1.14 1.06 0.59 0.69 n/a 0.82

2,737.95 5,229.45 3,587.34 3,664.09 2,986.07 4,149.53 3,492.06 5,676.17 7,803.14 2,418.29 3,964.83 5,109.44 2,808.01 3,764.57 3,887.75 3,075.06 2,941.15 650.12 3,330.59 2,619.87 3,121.88 4,452.14 21,635.46 7,130.90 2,881.86 3,028.93 4,216.27 3,542.18 4,091.45 2,855.03 3,508.41 2,789.82 9,587.18 1,844.28 3,063.42 3,513.24 7,405.05 5,963.96 2,393.86 2,149.20 3,103.67 3,064.54 n/a 3,646.26 3,054.73 3,835.85 5,892.10 3,327.14 4,188.63 5,450.90 n/a 3,216.49

2,659.99 5,127.95 3,611.36 3,749.03 3,019.16 4,025.42 3,409.01 5,341.67 3,000.91 2,467.36 3,863.26 4,323.29 2,719.86 3,667.05 3,555.83 2,879.74 3,060.58 649.13 3,492.06 2,618.31 3,207.78 4,369.64 14,268.83 14,027.57 2,850.58 3,039.64 3,909.20 3,490.95 4,090.61 2,981.39 3,440.14 2,947.31 8,151.82 1,807.88 2,942.62 3,701.05 7,948.40 9,615.16 2,337.62 2,089.52 2,770.82 3,055.34 n/a 3,788.31 2,867.19 4,027.69 6,038.68 3,240.92 4,030.19 4,588.78 n/a 3,169.90

2,663.75 5,100.30 3,620.36 3,622.03 2,855.57 4,242.05 3,579.30 3,643.33 4,289.41 2,429.40 3,832.72 5,261.29 2,497.83 3,520.02 3,428.29 2,665.76 3,032.68 753.84 3,352.25 2,756.02 3,152.56 4,570.42 28,716.30 13,186.00 2,850.86 3,072.76 3,885.43 3,188.84 4,158.02 2,930.23 2,888.18 2,795.67 7,645.93 1,794.75 33,450.00 2,899.60 3,574.58 7,332.85 1,673.89 2,281.77 2,133.84 2,870.98 3,100.27 n/a 3,078.07 2,817.52 4,001.53 5,696.09 3,319.07 3,770.90 5,285.80 n/a 3,111.01


Uninsured/Underinsured Motorist



Uninsured/Underinsured Motorist Many motorists do not purchase liability insurance, even though required by law, or do not purchase enough insurance to cover their liability in a major automobile accident. Uninsured and underinsured motorist coverages are designed to indemnify accident victims for bodily injury and property damage losses caused by a negligent uninsured or underinsured motorist. Each coverage has both a bodily injury component and a property damage component. Uninsured motorist (UM) coverage provides compensation to insureds who have suffered bodily injury in an accident with an at-fault motorist: 1) who has no bodily liability insurance; 2) who is the owner or operator of a hit-and-run vehicle; or 3) whose

insurance company denies coverage or becomes insolvent. Underinsured motorist (UIM) coverage protects an insured in an accident caused by another motorist who is insured but whose limits are not adequate to pay all damages in a serious accident. The majority of the states require auto insurers to offer uninsured motorist coverage to their policyholders. The offer may be declined by the insured in some states. Underinsured motorist coverage is usually not required, but may be offered or provided with uninsured motorist for a single premium.

Uninsured/Underinsured Motorist State-Specific Information and Technical Notes Voluntary Market Business and Residual Market Business Uninsured/Underinsured Data Data for UM and UIM are aggregated in this report. However, in most of the states, UM coverage may be purchased alone. South Carolina—Data for UM/UIM-BI and UM/UIM-PD coverages are separated and included in the bodily injury liability1 and property damage liability2 data. South Dakota—UI/UIM is mandatory. UI/UIM must match the bodily injury limits up to $100,000/$300,000; if the bodily injury limits are higher, they do not have to match. Texas—Data for the UM/UIM-PD component are included in the UM/UIM-BI component.

1 2

Uninsured Motorist Requirement Twenty-three states require UM coverage, and 19 additional states require coverage unless it is rejected in writing. California—UM property damage coverage is limited to $3,500 when purchased without collision coverage. Those with collision coverage purchase collision deductible waiver (CDW) instead. CDW is reported under other liability. Minnesota—Required limits for UM/UIM coverage are 30/60. New Jersey—Basic and SAIP policies do not have a UM coverage requirement. West Virginia—When underinsured motorist insurance is involved, first-party coverage is secondary.

See Bodily Injury Liability, Page 37. See Property Damage Liability, Page 53.


Uninsured/Underinsured Motorist Earned Premium and Earned Exposures In Tables 21A through 23D-2 the earned premium amounts and the earned exposure figures represent both the uninsured/underinsured motorist bodily injury component (UM/UIM-BI) and the uninsured/underinsured motorist property damage component (UM/UIM-PD). Except: Texas—Earned exposure data are not available, as indicated by “n/a.” Because the results for pure premium and claim frequency are calculated using earned exposures, there are no data in these columns for Texas. Massachusetts—Massachusetts Commonwealth Automobile Reinsurers (M-CAR) collects bodily injury liability, uninsured motorist and medical payments data as a total premium. Previous reports have included a calculated value for uninsured motorist and medical payments premiums; however, due to the competitive nature of the rates in Massachusetts, it is not possible to project these values. Therefore, the bodily injury liability portion of this report includes uninsured motorist and medical payment premiums. Uninsured/Underinsured Incurred Losses and Incurred Claims The uninsured/underinsured incurred claims and incurred losses are reported for the UM/UIM-BI component and the UM/UIM-PD component separately. Uninsured/Underinsured Motorist Calculations—Loss Experience Results Incurred losses for each component were added together to calculate the UM/UIM pure premium and loss ratio. UM/UIM-BI and UM/UIM-PD claims were not combined, so the UM/UIM frequency and severity are not shown. However, pure premium, loss ratio, frequency, and severity were calculated for the UM/UIMBI and UM/UIM-PD components individually.

UM/UIM pure premium = (UM/UIM-BI incurred losses + UM/UIM-PD incurred losses)/(UM/UIM earned exposures) UM/UIM loss ratio = (UM/UIM-BI incurred losses + UM/UIM-PD incurred losses)/(UM/UIM earned premium) UM/UIM-BI pure premium = (UM/UIM-BI incurred losses)/(UM/UIM earned exposures) UM/UIM-BI loss ratio = (UM/UIM-BI incurred losses)/(UM/UIM earned premium) UM/UIM-BI frequency = (UM/UIM-BI-incurred claims)/(UM/UIM earned exposures) UM/UIM-BI severity = (UM/UIM-BI incurred losses)/(UM/UIM-BI incurred claims) UM/UIM-PD pure premium = (UM/UIM-PD incurred losses)/(UM/UIM earned exposures) UM/UIM-PD loss ratio = (UM/UIM-PD incurred losses)/(UM/UIM earned premium) UM/UIM-PD frequency = (UM/UIM-PD incurred claims)/(UM/UIM earned exposures) UM/UIM-PD severity = (UM/UIM-PD incurred losses)/(UM/UIM-PD incurred claims) Uninsured/Underinsured Motorist—Loss Development Incurred losses for the UM/UIM-bodily injury component are developed to 63 months. Except: ISO develops UM/UIM-BI losses to 87 months. California—UM/UIM-BI incurred losses are developed to 39 months. Incurred losses for the UM/UIM property damage component are developed to 39 months.



Table 21A

Uninsured/Underinsured Motorist 2010-2012 Voluntary Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

212,027,471 57,071,145 271,638,686 113,894,909 1,186,562,653 256,322,067 198,912,928 51,423,778 24,441,334 1,171,863,823 469,741,429 65,704,294 37,993,117 327,439,582 197,889,791 81,663,923 51,435,681 169,862,265 280,412,731 29,601,882 287,809,093 0 128,159,958 163,172,018 171,053,051 169,231,832 40,951,261 54,088,836 137,839,118 37,618,888 402,400,856 143,015,669 403,372,104 292,623,651 12,074,348 332,442,790 142,203,459 143,458,307 675,635,602 73,942,859 331,008,986 18,068,284 272,423,922 1,134,616,520 95,977,005 20,773,369 299,798,614 382,538,422 118,610,712 173,746,708 11,745,730 11,926,305,461 10,791,688,941

212,613,712 54,889,482 276,174,349 112,750,849 1,166,924,703 253,054,912 200,919,799 51,008,923 24,545,330 1,182,826,288 467,989,204 65,058,767 38,778,596 323,450,677 194,044,999 82,655,298 52,017,733 165,587,250 279,917,315 30,653,436 285,528,354 0 117,101,285 167,150,787 168,730,219 168,900,576 41,273,941 54,044,423 137,821,006 38,080,467 387,926,065 131,949,465 391,204,927 290,902,034 11,516,037 343,715,915 142,627,772 145,059,596 712,678,381 74,536,305 330,199,087 17,543,867 266,038,323 1,127,948,076 95,837,253 20,896,693 298,285,309 383,914,446 121,411,337 212,728,937 12,010,102 11,933,422,607 10,805,474,531

213,324,704 52,624,365 283,541,570 112,212,334 1,157,117,344 256,909,542 200,086,826 49,892,871 24,587,136 1,118,589,274 456,350,229 62,190,506 40,261,835 320,593,277 193,031,572 84,087,938 53,744,154 158,565,403 267,725,929 31,510,059 277,108,701 0 109,114,573 171,222,697 167,854,441 166,579,005 41,744,129 54,144,589 139,093,850 39,140,444 363,896,010 128,432,170 375,407,125 292,190,990 11,093,761 359,033,250 145,149,337 147,253,198 728,455,294 72,799,493 326,493,013 17,616,681 255,963,806 1,096,388,105 94,521,116 20,734,546 295,247,930 389,002,083 120,102,213 197,980,172 12,262,382 11,752,971,972 10,656,583,867

2,959,158 422,378 3,188,144 1,684,227 20,581,622 2,050,008 2,372,430 553,285 230,358 6,867,066 5,991,272 691,801 957,665 6,535,215 4,072,532 2,285,369 2,082,212 2,048,055 1,899,405 817,842 3,742,819 3,971,482 5,222,783 3,735,355 1,582,977 3,816,617 499,448 1,451,361 1,128,141 768,651 5,368,118 1,070,763 9,089,500 6,996,052 574,479 6,338,413 893,832 2,471,052 7,549,464 385,378 3,337,673 620,789 4,007,467 n/a 1,560,753 371,370 5,949,614 3,161,206 1,161,218 3,725,077 399,962 n/a 159,241,858

2,938,141 415,979 3,209,631 1,687,143 20,224,345 2,055,079 2,359,125 546,156 227,098 6,998,691 5,938,993 674,354 974,547 6,572,829 4,118,525 2,276,675 2,111,034 2,015,814 1,871,336 827,623 3,691,653 3,924,387 5,106,059 3,704,218 1,548,284 3,838,177 497,156 1,429,478 1,142,988 771,679 5,342,888 1,031,103 9,072,053 6,931,404 556,775 6,371,748 912,088 2,526,356 7,546,566 384,683 3,289,754 610,875 3,957,665 n/a 1,575,369 370,729 5,928,005 3,097,322 1,147,997 3,684,302 406,011 n/a 158,440,890

2,908,094 405,620 3,233,724 1,688,248 20,004,254 2,016,397 2,340,212 536,078 223,751 7,184,510 5,855,803 638,049 985,178 6,626,680 4,093,277 2,271,295 2,135,761 1,993,745 1,841,735 834,846 3,638,085 3,885,906 5,056,680 3,676,571 1,530,492 3,867,638 501,079 1,420,021 1,172,111 766,912 5,121,901 1,018,730 9,033,417 6,894,796 546,993 6,391,141 924,182 2,579,663 7,510,049 381,589 3,243,046 608,041 3,922,812 n/a 1,601,174 369,664 5,876,235 3,142,449 1,125,365 3,624,982 409,049 n/a 157,658,030



Table 21B-1

Uninsured/Underinsured Motorist 2010-2012 Voluntary Business Incurred Losses - Bodily Injury STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

137,381,368 24,458,665 197,701,138 52,990,431 674,036,195 242,416,398 86,872,568 23,465,556 7,988,908 756,324,145 288,897,801 30,130,382 22,436,967 206,871,100 100,188,660 37,055,330 38,295,417 115,050,843 190,784,877 12,940,178 124,982,397 59,525,440 98,405,086 77,537,811 78,846,883 130,076,408 22,019,135 34,349,669 125,093,894 17,535,084 139,137,181 97,276,758 186,384,042 168,274,630 5,016,025 176,636,221 98,826,257 74,992,489 373,047,912 37,249,205 194,856,584 8,906,901 131,988,962 687,767,469 53,299,305 6,890,324 156,537,358 209,343,162 54,141,132 131,427,158 5,469,701 7,012,127,510 6,324,360,041

134,242,899 25,087,269 201,693,003 53,750,142 647,352,683 222,970,119 100,542,810 25,047,734 8,469,526 818,754,515 264,865,964 28,285,546 21,957,881 194,945,059 93,288,428 40,907,777 30,493,496 115,044,648 212,919,452 8,734,718 134,365,406 60,978,461 91,851,872 77,065,812 92,533,352 125,594,902 25,535,389 33,045,997 127,262,036 19,707,622 197,998,895 97,552,842 217,670,797 158,157,054 5,136,627 179,836,493 108,753,951 76,963,141 388,597,835 40,632,705 193,311,818 9,389,950 119,592,876 611,279,379 59,519,060 7,720,464 156,049,071 194,900,244 48,714,457 159,923,671 7,015,956 7,076,011,804 6,464,732,425

142,288,905 24,810,412 194,880,728 51,289,584 633,577,715 204,737,372 121,180,548 28,160,788 7,557,455 847,570,171 251,861,489 31,863,043 23,592,037 199,618,099 95,324,496 43,085,748 32,262,798 132,903,677 197,786,284 14,033,404 134,394,344 61,123,201 85,367,739 83,301,430 78,859,246 112,702,674 22,706,062 31,968,918 126,595,378 18,937,509 232,903,104 99,633,416 223,294,979 146,005,893 5,299,581 170,008,430 105,782,274 77,271,179 398,620,638 41,436,272 195,014,055 9,924,906 122,670,592 605,726,208 59,700,577 8,629,043 154,031,477 206,482,600 54,794,905 153,310,162 6,603,388 7,111,484,933 6,505,758,725

6,227 746 7,252 3,312 32,046 4,948 2,955 1,261 686 27,185 12,426 608 793 7,997 4,516 1,328 987 4,349 8,828 291 9,305 2,938 2,239 2,072 4,326 4,868 702 964 4,396 477 4,365 3,328 4,632 6,871 107 10,242 3,833 3,498 7,928 1,693 7,646 294 6,745 n/a 1,822 203 6,572 9,338 2,056 3,169 179 n/a 245,549

6,233 689 7,455 3,254 32,307 4,785 3,250 1,254 706 31,233 11,849 610 822 8,324 4,689 1,387 883 4,249 9,615 229 8,746 2,951 2,177 2,064 4,692 4,958 685 1,031 4,429 539 5,800 3,586 5,115 7,534 92 10,533 3,783 3,375 8,919 1,730 7,873 298 6,840 n/a 1,825 241 6,635 9,071 2,140 3,371 213 n/a 255,069

6,496 713 7,051 3,377 35,062 4,593 3,546 1,372 745 32,544 11,501 619 923 8,527 4,750 1,524 908 4,606 9,166 298 8,612 3,023 1,876 2,193 4,375 4,917 771 1,004 4,238 478 6,800 3,431 5,393 7,813 97 10,569 3,785 3,488 9,431 1,623 8,463 321 6,619 n/a 1,842 245 6,922 9,457 2,220 3,484 223 n/a 262,034



Table 21B-2

Uninsured/Underinsured Motorist 2010-2012 Voluntary Business Incurred Losses - Property Damage STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

0 6,690,732 77,169 23,083,876 33,587,447 3,469,558 1,021 6,179,284 6,184,603 266 61,168,280 0 412,900 4,985,210 21,426,029 9,937 71,161 69,989 3,403,440 4,894 51,365,227 0 0 6,968 29,913,259 146,770 0 12,970 52,240 86,609 12,769,899 25,122,053 12,942 11,409,060 0 7,733,922 32,089 16,189,767 198,151 6,401,581 25,232,770 0 60,806,732 0 849,801 3,236,126 41,207,920 51,607,533 11,367,584 2,275,365 0 528,863,134 528,863,134

0 5,922,711 105,242 21,407,678 31,859,456 3,223,857 0 5,578,850 5,912,888 0 60,364,285 3,717 476,365 5,464,130 20,489,051 6,946 56,051 64,383 3,055,209 0 47,926,303 0 0 3,330 28,556,171 140,377 848 26,389 61,845 146,992 11,634,533 25,568,089 4,715 10,967,850 0 7,337,155 32,986 14,250,975 671 6,135,816 22,880,684 0 60,560,762 0 742,999 3,457,900 37,472,959 49,080,232 10,935,108 2,377,517 0 504,294,025 504,294,025

0 5,237,572 45,937 22,403,543 29,685,404 3,213,913 0 5,102,342 5,992,676 810 64,204,647 0 395,901 4,926,931 19,880,652 17,550 49,000 114,825 3,082,765 0 48,430,128 0 0 13,377 29,524,160 99,846 5,390 23,667 69,811 71,180 9,491,767 25,597,698 0 10,460,504 0 7,426,997 14,473 15,292,832 217,199 4,989,385 23,865,971 0 58,150,042 0 786,181 2,826,255 36,340,922 49,971,778 10,580,239 1,105,707 0 499,709,977 499,709,977

0 3,730 46 13,615 16,348 1,641 2 4,486 5,149 1 35,707 0 286 2,085 11,734 5 28 18 1,372 13 39,594 0 0 11 18,255 67 0 7 30 61 4,143 12,155 4 8,214 0 3,363 6 11,758 21 2,491 21,809 0 31,282 n/a 404 3,179 53,272 30,573 6,223 243 0 n/a 343,431

0 3,451 55 13,226 15,965 1,604 0 4,435 5,487 0 35,632 1 304 2,201 12,117 5 21 18 1,259 0 39,350 0 0 5 18,167 55 0 11 37 53 3,929 12,775 3 7,724 0 3,559 6 11,051 1 2,661 21,439 0 32,164 n/a 390 3,610 55,163 29,203 6,234 223 0 n/a 343,594

0 3,173 9 13,996 16,041 1,467 0 4,510 6,094 1 37,424 0 256 2,226 12,379 7 14 11 1,294 0 40,763 0 0 5 19,047 52 0 12 43 46 3,376 12,691 0 7,771 0 3,571 5 11,655 8 2,352 21,808 0 31,709 n/a 461 3,302 56,572 30,244 6,517 185 0 n/a 351,097



Table 21C

Uninsured/Underinsured Motorist 2010-2012 Voluntary Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

46.43 73.75 62.04 45.17 34.38 119.94 36.62 53.58 61.53 110.14 58.43 43.55 23.86 32.42 29.86 16.22 18.43 56.21 102.24 15.83 47.12 14.99 18.84 20.76 68.71 34.12 44.09 23.68 110.93 22.93 28.30 114.31 20.51 25.68 8.73 29.09 110.60 36.90 49.44 113.27 65.94 14.35 48.11 n/a 34.69 27.27 33.24 82.55 56.41 35.89 13.68 n/a 43.04

45.69 74.55 62.87 44.55 33.58 110.07 42.62 56.08 63.33 116.99 54.76 41.95 23.02 30.49 27.63 17.97 14.47 57.10 115.41 10.55 49.38 15.54 17.99 20.81 78.21 32.76 51.36 23.14 111.40 25.73 39.24 119.41 23.99 24.40 9.23 29.38 119.27 36.11 51.49 121.58 65.72 15.37 45.52 n/a 38.25 30.15 32.65 78.77 51.96 44.05 17.28 n/a 43.99

48.93 74.08 60.28 43.65 33.16 103.13 51.78 62.05 60.56 117.97 53.97 49.94 24.35 30.87 28.14 18.98 15.13 66.72 109.07 16.81 50.25 15.73 16.88 22.66 70.82 29.17 45.33 22.53 108.07 24.79 47.33 122.93 24.72 22.69 9.69 27.76 114.48 35.88 53.11 121.66 67.49 16.32 46.09 n/a 37.78 30.99 32.40 81.61 58.09 42.60 16.14 n/a 44.43

64.79 54.58 72.81 66.79 59.64 95.93 43.67 57.65 57.99 64.54 74.52 45.86 60.14 64.70 61.46 45.39 74.59 67.77 69.25 43.73 61.27 76.78 47.52 63.58 76.95 53.77 63.53 90.79 46.84 37.75 85.58 46.21 61.40 41.54 55.46 69.52 63.56 55.24 59.03 66.49 49.30 70.77 60.62 56.42 48.75 65.96 68.22 55.23 76.95 46.57 63.23 63.50

63.14 56.50 73.07 66.66 58.21 89.39 50.04 60.04 58.60 69.22 69.50 43.48 57.85 61.96 58.63 49.50 58.73 69.52 77.16 28.50 63.84 78.44 46.11 71.77 74.44 61.87 61.19 92.38 52.14 54.04 93.31 55.64 58.14 44.60 54.46 76.27 62.88 54.53 62.75 65.47 53.52 67.72 54.19 62.88 53.49 64.88 63.55 49.13 76.29 58.42 63.52 64.50

66.70 57.10 68.75 65.67 57.32 80.94 60.56 66.67 55.11 75.77 69.26 51.23 59.58 63.80 59.68 51.26 60.12 83.89 75.03 44.54 65.98 78.24 48.66 64.57 67.72 54.41 59.09 91.06 48.57 66.61 97.51 59.48 53.55 47.77 49.42 72.89 62.86 54.75 63.77 67.04 56.34 70.64 55.25 63.99 55.25 64.48 65.93 54.43 78.00 53.85 64.76 65.74



Table 21C-1

Uninsured/Underinsured Motorist 2010-2012 Voluntary Business Pure Premium - Bodily Injury Component STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

46.43 57.91 62.01 31.46 32.75 118.25 36.62 42.41 34.68 110.14 48.22 43.55 23.43 31.65 24.60 16.21 18.39 56.18 100.44 15.82 33.39 14.99 18.84 20.76 49.81 34.08 44.09 23.67 110.88 22.81 25.92 90.85 20.51 24.05 8.73 27.87 110.56 30.35 49.41 96.66 58.38 14.35 32.94 n/a 34.15 18.55 26.31 66.22 46.62 35.28 13.68 n/a 39.72

45.69 60.31 62.84 31.86 32.01 108.50 42.62 45.86 37.29 116.99 44.60 41.94 22.53 29.66 22.65 17.97 14.44 57.07 113.78 10.55 36.40 15.54 17.99 20.80 59.77 32.72 51.36 23.12 111.34 25.54 37.06 94.61 23.99 22.82 9.23 28.22 119.24 30.46 51.49 105.63 58.76 15.37 30.22 n/a 37.78 20.83 26.32 62.93 42.43 43.41 17.28 n/a 40.80

48.93 61.17 60.27 30.38 31.67 101.54 51.78 52.53 33.78 117.97 43.01 49.94 23.95 30.12 23.29 18.97 15.11 66.66 107.39 16.81 36.94 15.73 16.88 22.66 51.53 29.14 45.31 22.51 108.01 24.69 45.47 97.80 24.72 21.18 9.69 26.60 114.46 29.95 53.08 108.59 60.13 16.32 31.27 n/a 37.29 23.34 26.21 65.71 48.69 42.29 16.14 n/a 41.27

64.79 42.86 72.78 46.53 56.81 94.57 43.67 45.63 32.69 64.54 61.50 45.86 59.06 63.18 50.63 45.38 74.45 67.73 68.04 43.71 43.43 76.78 47.52 46.09 76.86 53.77 63.51 90.75 46.61 34.58 68.02 46.21 57.51 41.54 53.13 69.50 52.27 55.21 50.38 58.87 49.30 48.45 60.62 55.53 33.17 52.21 54.72 45.65 75.64 46.57 58.80 58.60

63.14 45.71 73.03 47.67 55.48 88.11 50.04 49.10 34.51 69.22 56.60 43.48 56.62 60.27 48.08 49.49 58.62 69.48 76.07 28.50 47.06 78.44 46.11 54.84 74.36 61.87 61.15 92.34 51.75 51.04 73.93 55.64 54.37 44.60 52.32 76.25 53.06 54.53 54.51 58.54 53.52 44.95 54.19 62.10 36.95 52.32 50.77 40.12 75.18 58.42 59.30 59.83

66.70 47.15 68.73 45.71 54.75 79.69 60.56 56.44 30.74 75.77 55.19 51.23 58.60 62.27 49.38 51.24 60.03 83.82 73.88 44.54 48.50 78.24 48.65 46.98 67.66 54.39 59.04 91.01 48.38 64.00 77.58 59.48 49.97 47.77 47.35 72.88 52.48 54.72 56.92 59.73 56.34 47.92 55.25 63.16 41.62 52.17 53.08 45.62 77.44 53.85 60.51 61.05



Table 21C-2

Uninsured/Underinsured Motorist 2010-2012 Voluntary Business Pure Premium - Property Damage Component


STATE

2012

2011

2010

2012

2011

2010


0.00 15.84 0.02 13.71 1.63 1.69 0.00 11.17 26.85 0.00 10.21 0.00 0.43 0.76 5.26 0.00 0.03 0.03 1.79 0.01 13.72 0.00 0.00 0.00 18.90 0.04 0.00 0.01 0.05 0.11 2.38 23.46 0.00 1.63 0.00 1.22 0.04 6.55 0.03 16.61 7.56 0.00 15.17 n/a 0.54 8.71 6.93 16.33 9.79 0.61 0.00 n/a 3.32

0.00 14.24 0.03 12.69 1.58 1.57 0.00 10.21 26.04 0.00 10.16 0.01 0.49 0.83 4.97 0.00 0.03 0.03 1.63 0.00 12.98 0.00 0.00 0.00 18.44 0.04 0.00 0.02 0.05 0.19 2.18 24.80 0.00 1.58 0.00 1.15 0.04 5.64 0.00 15.95 6.96 0.00 15.30 n/a 0.47 9.33 6.32 15.85 9.53 0.65 0.00 n/a 3.18

0.00 12.91 0.01 13.27 1.48 1.59 0.00 9.52 26.78 0.00 10.96 0.00 0.40 0.74 4.86 0.01 0.02 0.06 1.67 0.00 13.31 0.00 0.00 0.00 19.29 0.03 0.01 0.02 0.06 0.09 1.85 25.13 0.00 1.52 0.00 1.16 0.02 5.93 0.03 13.08 7.36 0.00 14.82 n/a 0.49 7.65 6.18 15.90 9.40 0.31 0.00 n/a 3.17

0.00 11.72 0.03 20.27 2.83 1.35 0.00 12.02 25.30 0.00 13.02 0.00 1.09 1.52 10.83 0.01 0.14 0.04 1.21 0.02 17.85 0.00 0.00 17.49 0.09 0.00 0.02 0.04 0.23 3.17 17.57 0.00 3.90 0.00 2.33 0.02 11.29 0.03 8.66 7.62 0.00 22.32 0.00 0.89 15.58 13.75 13.49 9.58 1.31 0.00 4.43 4.90

0.00 10.79 0.04 18.99 2.73 1.27 0.00 10.94 24.09 0.00 12.90 0.01 1.23 1.69 10.56 0.01 0.11 0.04 1.09 0.00 16.79 0.00 0.00 16.92 0.08 0.00 0.05 0.04 0.39 3.00 19.38 0.00 3.77 0.00 2.13 0.02 9.82 0.00 8.23 6.93 0.00 22.76 0.00 0.78 16.55 12.56 12.78 9.01 1.12 0.00 4.23 4.67

0.00 9.95 0.02 19.97 2.57 1.25 0.00 10.23 24.37 0.00 14.07 0.00 0.98 1.54 10.30 0.02 0.09 0.07 1.15 0.00 17.48 0.00 0.01 17.59 0.06 0.01 0.04 0.05 0.18 2.61 19.93 0.00 3.58 0.00 2.07 0.01 10.39 0.03 6.85 7.31 0.00 22.72 0.00 0.83 13.63 12.31 12.85 8.81 0.56 0.00 4.25 4.69



Table 21D-1

Uninsured/Underinsured Motorist 2010-2012 Voluntary Business Frequency - Bodily Injury Component STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

0.21 0.18 0.23 0.20 0.16 0.24 0.12 0.23 0.30 0.40 0.21 0.09 0.08 0.12 0.11 0.06 0.05 0.21 0.46 0.04 0.25 0.07 0.04 0.06 0.27 0.13 0.14 0.07 0.39 0.06 0.08 0.31 0.05 0.10 0.02 0.16 0.43 0.14 0.11 0.44 0.23 0.05 0.17 n/a 0.12 0.05 0.11 0.30 0.18 0.09 0.04 n/a 0.15

0.21 0.17 0.23 0.19 0.16 0.23 0.14 0.23 0.31 0.45 0.20 0.09 0.08 0.13 0.11 0.06 0.04 0.21 0.51 0.03 0.24 0.08 0.04 0.06 0.30 0.13 0.14 0.07 0.39 0.07 0.11 0.35 0.06 0.11 0.02 0.17 0.41 0.13 0.12 0.45 0.24 0.05 0.17 n/a 0.12 0.07 0.11 0.29 0.19 0.09 0.05 n/a 0.16

0.22 0.18 0.22 0.20 0.18 0.23 0.15 0.26 0.33 0.45 0.20 0.10 0.09 0.13 0.12 0.07 0.04 0.23 0.50 0.04 0.24 0.08 0.04 0.06 0.29 0.13 0.15 0.07 0.36 0.06 0.13 0.34 0.06 0.11 0.02 0.17 0.41 0.14 0.13 0.43 0.26 0.05 0.17 n/a 0.12 0.07 0.12 0.30 0.20 0.10 0.05 n/a 0.17

22,062.21 32,786.41 27,261.60 15,999.53 21,033.40 48,992.80 29,398.50 18,608.69 11,645.64 27,821.38 23,249.46 49,556.55 28,293.78 25,868.59 22,185.27 27,903.11 38,799.81 26,454.55 21,611.34 44,467.97 13,431.75 20,260.53 43,950.46 37,421.72 18,226.28 26,720.71 31,366.29 35,632.44 28,456.30 36,761.18 31,875.64 29,229.80 40,238.35 24,490.56 46,878.74 17,246.26 25,783.00 21,438.68 47,054.48 22,001.89 25,484.77 30,295.58 19,568.42 n/a 29,253.19 33,942.48 23,818.83 22,418.42 26,333.24 41,472.75 30,556.99 n/a 25,756.00

21,537.45 36,411.13 27,054.73 16,518.18 20,037.54 46,597.73 30,936.25 19,974.27 11,996.50 26,214.41 22,353.44 46,369.75 26,712.75 23,419.64 19,895.16 29,493.71 34,533.97 27,075.70 22,144.51 38,142.87 15,363.07 20,663.66 42,191.95 37,338.09 19,721.52 25,331.77 37,277.94 32,052.37 28,733.81 36,563.31 34,137.74 27,203.80 42,555.39 20,992.44 55,832.90 17,073.63 28,748.07 22,803.89 43,569.66 23,487.11 24,553.77 31,509.90 17,484.34 n/a 32,613.18 32,035.12 23,519.08 21,486.08 22,763.76 47,441.02 32,938.76 n/a 25,345.03

21,904.08 34,797.21 27,638.74 15,187.91 18,070.21 44,575.96 34,173.87 20,525.36 10,144.23 26,043.82 21,899.09 51,475.03 25,560.17 23,410.12 20,068.31 28,271.49 35,531.72 28,854.47 21,578.25 47,091.96 15,605.47 20,219.39 45,505.19 37,985.15 18,024.97 22,921.02 29,450.15 31,841.55 29,871.49 39,618.22 34,250.46 29,039.18 41,404.59 18,687.56 54,634.86 16,085.57 27,947.76 22,153.43 42,267.06 25,530.67 23,043.14 30,918.71 18,533.10 n/a 32,410.74 35,220.58 22,252.45 21,833.84 24,682.39 44,004.06 29,611.61 n/a 24,827.92



Table 21D-2

Uninsured/Underinsured Motorist 2010-2012 Voluntary Business Frequency - Property Damage Component STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

0.00 0.88 0.00 0.81 0.08 0.08 0.00 0.81 2.24 0.00 0.60 0.00 0.03 0.03 0.29 0.00 0.00 0.00 0.07 0.00 1.06 0.00 0.00 0.00 1.15 0.00 0.00 0.00 0.00 0.01 0.08 1.14 0.00 0.12 0.00 0.05 0.00 0.48 0.00 0.65 0.65 0.00 0.78 n/a 0.03 0.86 0.90 0.97 0.54 0.01 0.00 n/a 0.22

0.00 0.83 0.00 0.78 0.08 0.08 0.00 0.81 2.42 0.00 0.60 0.00 0.03 0.03 0.29 0.00 0.00 0.00 0.07 0.00 1.07 0.00 0.00 0.00 1.17 0.00 0.00 0.00 0.00 0.01 0.07 1.24 0.00 0.11 0.00 0.06 0.00 0.44 0.00 0.69 0.65 0.00 0.81 n/a 0.02 0.97 0.93 0.94 0.54 0.01 0.00 n/a 0.22

0.00 0.78 0.00 0.83 0.08 0.07 0.00 0.84 2.72 0.00 0.64 0.00 0.03 0.03 0.30 0.00 0.00 0.00 0.07 0.00 1.12 0.00 0.00 0.00 1.24 0.00 0.00 0.00 0.00 0.01 0.07 1.25 0.00 0.11 0.00 0.06 0.00 0.45 0.00 0.62 0.67 0.00 0.81 n/a 0.03 0.89 0.96 0.96 0.58 0.01 0.00 n/a 0.22

1,793.76 1,677.59 1,695.47 2,054.53 2,114.29 510.50 1,377.46 1,201.13 266.00 1,713.06 1,443.71 2,390.99 1,825.98 1,987.40 2,541.46 3,888.28 2,480.64 376.46 1,297.30 633.45 1,638.63 2,190.60 1,852.86 1,741.33 1,419.82 3,082.28 2,066.81 3,235.50 1,388.98 2,299.71 5,348.17 1,376.92 9,435.76 2,569.88 1,156.99 1,943.82 n/a 2,103.47 1,017.97 773.54 1,688.01 1,826.70 9,363.64 n/a 1,539.94

1,716.23 1,913.49 1,618.61 1,995.58 2,009.89 1,257.91 1,077.62 1,694.10 3,717.00 1,566.99 2,482.57 1,690.93 1,389.20 2,669.10 3,576.83 2,426.69 1,217.95 666.00 1,571.87 2,552.31 2,399.00 1,671.49 2,773.43 2,961.19 2,001.42 1,571.67 1,419.97 2,061.58 5,497.67 1,289.56 671.00 2,305.83 1,067.25 1,882.87 n/a 1,905.13 957.87 679.31 1,680.66 1,754.11 10,661.51 n/a 1,467.70

1,650.67 5,104.11 1,600.71 1,850.60 2,190.81 1,131.34 983.37 810.00 1,715.60 1,546.49 2,213.36 1,606.00 2,507.14 3,500.00 10,438.64 2,382.35 1,188.09 2,675.40 1,550.07 1,920.12 1,972.25 1,623.51 1,547.39 2,811.54 2,017.00 1,346.09 2,079.81 2,894.60 1,312.13 27,149.88 2,121.34 1,094.37 1,833.87 n/a 1,705.38 855.92 642.38 1,652.29 1,623.48 5,976.79 n/a 1,423.28



Table 22A

Uninsured/Underinsured Motorist 2010-2012 Residual Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

0 963 41 0 47,453 0 22,267 295 34,908 5,433 0 40,200 73 37,251 75 411 48,196 3,200 32 415 4,386,930 0 10,009 422 2,198 743 1,418 37 226 10,102 729,277 137 2,617,752 0 18 0 137 316 55,760 385,192 0 0 412 113,669 14 8,829 45,688 0 2,073 0 0 8,612,572 8,498,903

0 2,768 140 227 68,263 0 30,851 332 38,202 3,486 0 62,698 298 41,808 52 786 46,532 1,795 221 428 5,489,651 0 6,498 233 2,984 790 1,918 23 256 17,125 921,642 327 3,541,855 0 16 0 266 167 78,314 326,152 4 -3 529 119,329 26 14,922 54,666 0 1,551 0 0 10,878,128 10,758,799

48 8,646 570 392 82,499 0 44,135 111 60,116 1,322 0 69,869 524 47,309 86 531 41,130 3,311 -74 516 6,161,264 0 11,701 286 4,740 669 3,901 43 203 28,921 863,975 901 3,798,575 0 23 4 590 347 100,170 314,018 9 8 868 142,216 29 23,603 64,289 2 1,550 0 4 11,883,950 11,741,734

0 4 1 0 148 0 161 2 147 12 0 278 4 670 2 16 1,683 14 0 16 45,164 103,647 424 10 19 20 39 1 2 133 12,973 0 69,106 0 1 0 1 4 366 600 0 0 7 n/a 0 84 661 0 11 0 0 n/a 236,431

0 12 2 1 197 0 224 1 155 7 0 452 15 818 2 29 1,638 8 1 13 59,346 101,859 290 5 20 21 82 1 2 216 18,502 3 88,041 0 2 0 0 3 510 520 0 0 8 n/a 1 143 796 0 10 0 0 n/a 273,956

0 32 8 3 228 0 319 1 195 2 0 528 29 853 3 18 1,465 16 0 16 70,605 96,815 523 8 18 19 134 1 2 327 18,425 12 90,048 0 1 0 2 6 715 463 0 0 14 n/a 0 231 940 0 8 0 0 n/a 283,033



Table 22B-1

Uninsured/Underinsured Motorist 2010-2012 Residual Business Incurred Losses - Bodily Injury STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

0 0 0 0 18,164 0 0 0 25,599 0 0 127,672 0 119 0 0 8,660 0 0 0 4,269,761 3,191,620 0 0 0 0 0 0 0 0 1,285,620 0 1,999,173 0 0 0 0 0 0 400,566 0 0 0 41,483 0 0 8,448 0 0 0 0 11,376,885 11,335,402

0 0 0 0 8,065 0 0 0 0 0 0 0 0 29,462 0 0 9 0 0 0 4,408,690 2,543,632 0 0 0 0 0 0 0 0 1,641,515 0 2,517,929 0 0 0 0 0 31,262 159,742 0 0 0 131,037 0 0 2,552 0 0 0 0 11,473,895 11,342,858

0 0 0 0 0 0 36,056 0 49,854 0 0 24,590 0 0 0 0 0 0 0 0 6,149,641 2,894,403 119,888 0 0 0 0 0 0 4,545 1,412,455 0 2,691,720 0 0 0 0 0 160,410 245,529 0 0 0 105,912 0 229,071 21,464 0 0 0 0 14,145,538 14,039,626

0 0 0 0 1 0 0 0 3 0 0 2 0 1 0 0 1 0 0 0 1,165 336 0 0 0 0 0 0 0 0 88 0 108 0 0 0 0 0 0 31 0 0 0 n/a 0 0 1 0 0 0 0 n/a 1,737

0 0 0 0 1 0 0 0 0 0 0 0 0 4 0 0 0 0 0 0 1,489 307 0 0 0 0 0 0 0 0 49 0 149 0 0 0 0 0 1 12 0 0 0 n/a 0 0 2 0 0 0 0 n/a 2,014

0 0 0 0 0 0 2 0 9 0 0 1 0 0 0 0 0 0 0 0 1,934 310 5 0 0 0 0 0 0 1 89 0 176 0 0 0 0 0 11 15 0 0 0 n/a 0 5 4 0 0 0 0 n/a 2,562



Table 22B-2

Uninsured/Underinsured Motorist 2010-2012 Residual Business Incurred Losses - Property Damage STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

0 0 0 0 3,113 0 0 0 8,965 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 160,111 0 0 0 0 0 0 0 0 197,737 0 0 0 0 0 0 10,792 0 0 0 0 380,718 380,718

0 0 0 0 3,760 0 0 0 2,546 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 112,625 0 0 0 0 0 0 0 0 96,132 0 0 0 0 0 126 21,169 0 0 0 0 236,358 236,358

0 0 0 0 173 0 0 0 6,123 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 698 184,983 0 0 0 0 0 0 0 0 69,798 0 0 0 0 0 4,074 28,663 0 0 0 0 294,512 294,512

0 0 0 0 1 0 0 0 5 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 43 0 0 0 0 0 0 0 0 56 0 0 0 n/a 0 0 7 0 0 0 0 n/a 112

0 0 0 0 2 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 38 0 0 0 0 0 0 0 0 30 0 0 0 n/a 0 1 9 0 0 0 0 n/a 81

0 0 0 0 1 0 0 0 7 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 42 0 0 0 0 0 0 0 0 21 0 0 0 n/a 0 3 13 0 0 0 0 n/a 88



Table 22C

Uninsured/Underinsured Motorist 2010-2012 Residual Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

0.00 0.00 143.76 0.00 0.00 235.13 0.00 459.25 0.00 0.18 0.00 0.00 5.15 0.00 0.00 94.54 30.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 111.44 28.93 0.00 0.00 0.00 0.00 997.17 0.00 n/a 0.00 29.11 0.00 n/a 49.55

0.00 0.00 0.00 60.03 0.00 0.00 16.43 0.00 0.00 0.00 36.02 0.00 0.00 0.01 0.00 0.00 0.00 74.29 24.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 94.81 0.00 28.60 0.00 0.00 61.30 492.07 0.00 n/a 0.00 0.88 29.80 0.00 n/a 42.27

0.00 0.00 0.00 0.76 113.03 0.00 287.06 0.00 46.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 87.10 29.90 229.23 0.00 0.00 0.00 0.00 0.00 0.00 16.03 86.70 0.00 29.89 0.00 0.00 0.00 224.35 681.05 0.00 n/a 1,009.29 53.33 0.00 n/a 50.64

0.00 0.00 44.84 0.00 0.00 99.01 0.00 317.59 0.00 0.32 0.00 0.00 17.97 0.00 0.00 0.00 97.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 198.24 0.00 76.37 0.00 0.00 0.00 0.00 155.33 0.00 36.49 0.00 0.00 42.11 0.00 136.52 137.85

0.00 0.00 0.00 17.32 0.00 0.00 6.66 0.00 0.00 0.00 70.47 0.00 0.00 0.02 0.00 0.00 0.00 80.31 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 190.33 0.00 71.09 0.00 0.00 0.00 39.92 78.45 0.00 0.00 0.00 109.81 0.00 0.84 43.39 0.00 107.65 107.63

0.00 0.00 0.00 0.00 0.21 81.69 0.00 93.11 0.00 35.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 99.81 1,024.60 0.00 0.00 0.00 0.00 0.00 0.00 18.13 184.89 0.00 70.86 0.00 0.00 0.00 0.00 160.14 100.42 0.00 0.00 0.00 74.47 0.00 987.78 77.97 0.00 0.00 0.00 121.51 122.08



Table 22C-1

Uninsured/Underinsured Motorist 2010-2012 Residual Business Pure Premium - Bodily Injury Component STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

0.00 0.00 122.73 0.00 0.00 174.14 0.00 459.25 0.00 0.18 0.00 0.00 5.15 0.00 0.00 94.54 30.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 99.10 28.93 0.00 0.00 0.00 0.00 667.61 0.00 n/a 0.00 12.78 0.00 n/a 47.94

0.00 0.00 0.00 40.94 0.00 0.00 0.00 0.00 0.00 0.00 36.02 0.00 0.00 0.01 0.00 0.00 0.00 74.29 24.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 88.72 0.00 28.60 0.00 0.00 61.30 307.20 0.00 n/a 0.00 0.00 3.21 0.00 n/a 41.40

0.00 0.00 0.00 0.00 113.03 0.00 255.66 0.00 46.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 87.10 29.90 229.23 0.00 0.00 0.00 0.00 0.00 0.00 13.90 76.66 0.00 29.89 0.00 0.00 0.00 224.35 530.30 0.00 n/a 991.65 22.83 0.00 n/a 49.60

0.00 0.00 38.28 0.00 0.00 73.33 0.00 317.59 0.00 0.32 0.00 0.00 17.97 0.00 0.00 0.00 97.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 176.29 0.00 76.37 0.00 0.00 0.00 0.00 103.99 0.00 36.49 0.00 0.00 18.49 0.00 132.10 133.37

0.00 0.00 0.00 11.81 0.00 0.00 0.00 0.00 0.00 0.00 70.47 0.00 0.00 0.02 0.00 0.00 0.00 80.31 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 178.11 0.00 71.09 0.00 0.00 0.00 39.92 48.98 0.00 0.00 0.00 109.81 0.00 0.00 4.67 0.00 105.48 105.43

0.00 0.00 0.00 0.00 0.00 81.69 0.00 82.93 0.00 35.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 99.81 1,024.60 0.00 0.00 0.00 0.00 0.00 0.00 15.72 163.48 0.00 70.86 0.00 0.00 0.00 0.00 160.14 78.19 0.00 0.00 0.00 74.47 0.00 970.52 33.39 0.00 0.00 0.00 119.03 119.57



Table 22C-2

Uninsured/Underinsured Motorist 2010-2012 Residual Business Pure Premium - Property Damage Component STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

0.00 0.00 21.03 0.00 0.00 60.99 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.34 0.00 0.00 0.00 0.00 0.00 329.56 0.00 n/a 0.00 16.33 0.00 n/a 1.61

0.00 0.00 0.00 19.09 0.00 0.00 16.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.09 0.00 0.00 0.00 0.00 0.00 184.87 0.00 n/a 0.00 0.88 26.59 0.00 n/a 0.86

0.00 0.00 0.00 0.76 0.00 0.00 31.40 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.13 10.04 0.00 0.00 0.00 0.00 0.00 0.00 150.75 0.00 n/a 17.64 30.49 0.00 n/a 1.04

0.00 0.00 6.56 0.00 0.00 25.68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 21.95 0.00 0.00 0.00 0.00 0.00 0.00 51.33 0.00 0.00 0.00 0.00 23.62 0.00 4.42 4.48

0.00 0.00 0.00 5.51 0.00 0.00 6.66 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.22 0.00 0.00 0.00 0.00 0.00 0.00 29.47 0.00 0.00 0.00 0.00 0.00 0.84 38.72 0.00 2.17 2.20

0.00 0.00 0.00 0.00 0.21 0.00 0.00 10.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.41 21.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00 22.23 0.00 0.00 0.00 0.00 0.00 17.26 44.58 0.00 0.00 0.00 2.48 2.51



Table 22D-1

Uninsured/Underinsured Motorist 2010-2012 Residual Business Frequency - Bodily Injury Component STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

0.00 0.00 0.68 0.00 0.00 2.04 0.00 0.72 0.00 0.15 0.00 0.00 0.06 0.00 0.00 2.58 0.32 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.68 0.16 0.00 0.00 0.00 0.00 5.17 0.00 n/a 0.00 0.15 0.00 n/a 0.73

0.00 0.00 0.00 0.51 0.00 0.00 0.00 0.00 0.00 0.00 0.49 0.00 0.00 0.00 0.00 0.00 0.00 2.51 0.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.26 0.00 0.17 0.00 0.00 0.20 2.31 0.00 n/a 0.00 0.00 0.25 0.00 n/a 0.74

0.00 0.00 0.00 0.00 0.63 0.00 4.62 0.00 0.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.74 0.32 0.96 0.00 0.00 0.00 0.00 0.00 0.00 0.31 0.48 0.00 0.20 0.00 0.00 0.00 1.54 3.24 0.00 n/a 2.16 0.43 0.00 n/a 0.91

18,164.00 8,533.00 63,836.00 119.00 8,660.00 3,665.03 9,498.87 14,609.32 18,510.86 12,921.48 n/a 8,448.00 n/a 6,525.85

8,065.00 7,365.50 2,960.84 8,285.45 33,500.31 16,898.85 31,262.00 13,311.83 n/a 1,276.00 n/a 5,632.00

18,028.00 5,539.33 24,590.00 3,179.75 9,336.78 23,977.60 4,545.00 15,870.28 15,293.86 14,582.73 16,368.60 n/a 45,814.20 5,366.00 n/a 5,479.95



Table 22D-2

Uninsured/Underinsured Motorist 2010-2012 Residual Business Frequency - Property Damage Component STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

0.00 0.00 0.68 0.00 0.00 3.40 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.33 0.00 0.00 0.00 0.00 0.00 9.33 0.00 n/a 0.00 1.06 0.00 n/a 0.05

0.00 0.00 0.00 1.02 0.00 0.00 0.65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.21 0.00 0.00 0.00 0.00 0.00 5.77 0.00 n/a 0.00 0.70 1.13 0.00 n/a 0.03

0.00 0.00 0.00 0.44 0.00 0.00 3.59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.31 0.23 0.00 0.00 0.00 0.00 0.00 0.00 4.54 0.00 n/a 1.30 1.38 0.00 n/a 0.03

3,113.00 1,793.00 3,723.51 3,531.02 n/a 1,541.71 n/a 3,399.27

1,880.00 2,546.00 2,963.82 3,204.40 n/a 126.00 2,352.11 n/a 2,918.00

173.00 874.71 698.00 4,404.36 3,323.71 n/a 1,358.00 2,204.85 n/a 3,346.73



Table 23A

Uninsured/Underinsured Motorist 2010-2012 Total Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

212,027,471 57,072,108 271,638,727 113,894,909 1,186,610,106 256,322,067 198,935,195 51,424,073 24,476,242 1,171,869,256 469,741,429 65,744,494 37,993,190 327,476,833 197,889,866 81,664,334 51,483,877 169,865,465 280,412,763 29,602,297 292,196,023 0 128,169,967 163,172,440 171,055,249 169,232,575 40,952,679 54,088,873 137,839,344 37,628,990 403,130,133 143,015,806 405,989,856 292,623,651 12,074,366 332,442,790 142,203,596 143,458,623 675,691,362 74,328,051 331,008,986 18,068,284 272,424,334 1,134,730,189 95,977,019 20,782,198 299,844,302 382,538,422 118,612,785 173,746,708 11,745,730 11,934,918,033 10,800,187,844

212,613,712 54,892,250 276,174,489 112,751,076 1,166,992,966 253,054,912 200,950,650 51,009,255 24,583,532 1,182,829,774 467,989,204 65,121,465 38,778,894 323,492,485 194,045,051 82,656,084 52,064,265 165,589,045 279,917,536 30,653,864 291,018,005 0 117,107,783 167,151,020 168,733,203 168,901,366 41,275,859 54,044,446 137,821,262 38,097,592 388,847,707 131,949,792 394,746,782 290,902,034 11,516,053 343,715,915 142,628,038 145,059,763 712,756,695 74,862,457 330,199,091 17,543,864 266,038,852 1,128,067,405 95,837,279 20,911,615 298,339,975 383,914,446 121,412,888 212,728,937 12,010,102 11,944,300,735 10,816,233,330

213,324,752 52,633,011 283,542,140 112,212,726 1,157,199,843 256,909,542 200,130,961 49,892,982 24,647,252 1,118,590,596 456,350,229 62,260,375 40,262,359 320,640,586 193,031,658 84,088,469 53,785,284 158,568,714 267,725,855 31,510,575 283,269,965 0 109,126,274 171,222,983 167,859,181 166,579,674 41,748,030 54,144,632 139,094,053 39,169,365 364,759,985 128,433,071 379,205,700 292,190,990 11,093,784 359,033,254 145,149,927 147,253,545 728,555,464 73,113,511 326,493,022 17,616,689 255,964,674 1,096,530,321 94,521,145 20,758,149 295,312,219 389,002,085 120,103,763 197,980,172 12,262,386 11,764,855,922 10,668,325,601

2,959,158 422,382 3,188,145 1,684,227 20,581,770 2,050,008 2,372,591 553,287 230,505 6,867,078 5,991,272 692,079 957,669 6,535,885 4,072,534 2,285,385 2,083,895 2,048,069 1,899,405 817,858 3,787,983 4,075,129 5,223,207 3,735,365 1,582,996 3,816,637 499,487 1,451,362 1,128,143 768,784 5,381,091 1,070,763 9,158,606 6,996,052 574,480 6,338,413 893,833 2,471,056 7,549,830 385,978 3,337,673 620,789 4,007,474 n/a 1,560,753 371,454 5,950,275 3,161,206 1,161,229 3,725,077 399,962 n/a 159,478,289

2,938,141 415,991 3,209,633 1,687,144 20,224,542 2,055,079 2,359,349 546,157 227,253 6,998,698 5,938,993 674,806 974,562 6,573,647 4,118,527 2,276,704 2,112,672 2,015,822 1,871,337 827,636 3,750,999 4,026,246 5,106,349 3,704,223 1,548,304 3,838,198 497,238 1,429,479 1,142,990 771,895 5,361,390 1,031,106 9,160,094 6,931,404 556,777 6,371,748 912,088 2,526,359 7,547,076 385,203 3,289,754 610,875 3,957,673 n/a 1,575,370 370,872 5,928,801 3,097,322 1,148,007 3,684,302 406,011 n/a 158,714,846

2,908,094 405,652 3,233,732 1,688,251 20,004,482 2,016,397 2,340,531 536,079 223,946 7,184,512 5,855,803 638,577 985,207 6,627,533 4,093,280 2,271,313 2,137,226 1,993,761 1,841,735 834,862 3,708,690 3,982,721 5,057,203 3,676,579 1,530,510 3,867,657 501,213 1,420,022 1,172,113 767,239 5,140,326 1,018,742 9,123,465 6,894,796 546,994 6,391,141 924,184 2,579,669 7,510,764 382,052 3,243,046 608,041 3,922,826 n/a 1,601,174 369,895 5,877,175 3,142,449 1,125,373 3,624,982 409,049 n/a 157,941,063



Table 23B-1

Uninsured/Underinsured Motorist 2010-2012 Total Business Incurred Losses - Bodily Injury STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

137,381,368 24,458,665 197,701,138 52,990,431 674,054,359 242,416,398 86,872,568 23,465,556 8,014,507 756,324,145 288,897,801 30,258,054 22,436,967 206,871,219 100,188,660 37,055,330 38,304,077 115,050,843 190,784,877 12,940,178 129,252,158 62,717,060 98,405,086 77,537,811 78,846,883 130,076,408 22,019,135 34,349,669 125,093,894 17,535,084 140,422,801 97,276,758 188,383,215 168,274,630 5,016,025 176,636,221 98,826,257 74,992,489 373,047,912 37,649,771 194,856,584 8,906,901 131,988,962 687,808,952 53,299,305 6,890,324 156,545,806 209,343,162 54,141,132 131,427,158 5,469,701 7,023,504,395 6,335,695,443

134,242,899 25,087,269 201,693,003 53,750,142 647,360,748 222,970,119 100,542,810 25,047,734 8,469,526 818,754,515 264,865,964 28,285,546 21,957,881 194,974,521 93,288,428 40,907,777 30,493,505 115,044,648 212,919,452 8,734,718 138,774,096 63,522,093 91,851,872 77,065,812 92,533,352 125,594,902 25,535,389 33,045,997 127,262,036 19,707,622 199,640,410 97,552,842 220,188,726 158,157,054 5,136,627 179,836,493 108,753,951 76,963,141 388,629,097 40,792,447 193,311,818 9,389,950 119,592,876 611,410,416 59,519,060 7,720,464 156,051,623 194,900,244 48,714,457 159,923,671 7,015,956 7,087,485,699 6,476,075,283

142,288,905 24,810,412 194,880,728 51,289,584 633,577,715 204,737,372 121,216,604 28,160,788 7,607,309 847,570,171 251,861,489 31,887,633 23,592,037 199,618,099 95,324,496 43,085,748 32,262,798 132,903,677 197,786,284 14,033,404 140,543,985 64,017,604 85,487,627 83,301,430 78,859,246 112,702,674 22,706,062 31,968,918 126,595,378 18,942,054 234,315,559 99,633,416 225,986,699 146,005,893 5,299,581 170,008,430 105,782,274 77,271,179 398,781,048 41,681,801 195,014,055 9,924,906 122,670,592 605,832,120 59,700,577 8,858,114 154,052,941 206,482,600 54,794,905 153,310,162 6,603,388 7,125,630,471 6,519,798,351

6,227 746 7,252 3,312 32,047 4,948 2,955 1,261 689 27,185 12,426 610 793 7,998 4,516 1,328 988 4,349 8,828 291 10,470 3,274 2,239 2,072 4,326 4,868 702 964 4,396 477 4,453 3,328 4,740 6,871 107 10,242 3,833 3,498 7,928 1,724 7,646 294 6,745 n/a 1,822 203 6,573 9,338 2,056 3,169 179 n/a 247,286

6,233 689 7,455 3,254 32,308 4,785 3,250 1,254 706 31,233 11,849 610 822 8,328 4,689 1,387 883 4,249 9,615 229 10,235 3,258 2,177 2,064 4,692 4,958 685 1,031 4,429 539 5,849 3,586 5,264 7,534 92 10,533 3,783 3,375 8,920 1,742 7,873 298 6,840 n/a 1,825 241 6,637 9,071 2,140 3,371 213 n/a 257,083

6,496 713 7,051 3,377 35,062 4,593 3,548 1,372 754 32,544 11,501 620 923 8,527 4,750 1,524 908 4,606 9,166 298 10,546 3,333 1,881 2,193 4,375 4,917 771 1,004 4,238 479 6,889 3,431 5,569 7,813 97 10,569 3,785 3,488 9,442 1,638 8,463 321 6,619 n/a 1,842 250 6,926 9,457 2,220 3,484 223 n/a 264,596



Table 23B-2

Uninsured/Underinsured Motorist 2010-2012 Total Business Incurred Losses - Property Damage STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

0 6,690,732 77,169 23,083,876 33,590,560 3,469,558 1,021 6,179,284 6,193,568 266 61,168,280 0 412,900 4,985,210 21,426,029 9,937 71,161 69,989 3,403,440 4,894 51,365,227 0 0 6,968 29,913,259 146,770 0 12,970 52,240 86,609 12,930,010 25,122,053 12,942 11,409,060 0 7,733,922 32,089 16,189,767 198,151 6,599,318 25,232,770 0 60,806,732 0 849,801 3,236,126 41,218,712 51,607,533 11,367,584 2,275,365 0 529,243,852 529,243,852

0 5,922,711 105,242 21,407,678 31,863,216 3,223,857 0 5,578,850 5,915,434 0 60,364,285 3,717 476,365 5,464,130 20,489,051 6,946 56,051 64,383 3,055,209 0 47,926,303 0 0 3,330 28,556,171 140,377 848 26,389 61,845 146,992 11,747,158 25,568,089 4,715 10,967,850 0 7,337,155 32,986 14,250,975 671 6,231,948 22,880,684 0 60,560,762 0 742,999 3,458,026 37,494,128 49,080,232 10,935,108 2,377,517 0 504,530,383 504,530,383

0 5,237,572 45,937 22,403,543 29,685,577 3,213,913 0 5,102,342 5,998,799 810 64,204,647 0 395,901 4,926,931 19,880,652 17,550 49,000 114,825 3,082,765 0 48,430,128 0 0 13,377 29,524,160 99,846 5,390 23,667 69,811 71,878 9,676,750 25,597,698 0 10,460,504 0 7,426,997 14,473 15,292,832 217,199 5,059,183 23,865,971 0 58,150,042 0 786,181 2,830,329 36,369,585 49,971,778 10,580,239 1,105,707 0 500,004,489 500,004,489

0 3,730 46 13,615 16,349 1,641 2 4,486 5,154 1 35,707 0 286 2,085 11,734 5 28 18 1,372 13 39,594 0 0 11 18,255 67 0 7 30 61 4,186 12,155 4 8,214 0 3,363 6 11,758 21 2,547 21,809 0 31,282 n/a 404 3,179 53,279 30,573 6,223 243 0 n/a 343,543

0 3,451 55 13,226 15,967 1,604 0 4,435 5,488 0 35,632 1 304 2,201 12,117 5 21 18 1,259 0 39,350 0 0 5 18,167 55 0 11 37 53 3,967 12,775 3 7,724 0 3,559 6 11,051 1 2,691 21,439 0 32,164 n/a 390 3,611 55,172 29,203 6,234 223 0 n/a 343,675

0 3,173 9 13,996 16,042 1,467 0 4,510 6,101 1 37,424 0 256 2,226 12,379 7 14 11 1,294 0 40,763 0 0 5 19,047 52 0 12 43 47 3,418 12,691 0 7,771 0 3,571 5 11,655 8 2,373 21,808 0 31,709 n/a 461 3,305 56,585 30,244 6,517 185 0 n/a 351,185



Table 23C

Uninsured/Underinsured Motorist 2010-2012 Total Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

46.43 73.75 62.04 45.17 34.38 119.94 36.62 53.58 61.64 110.14 58.43 43.72 23.86 32.41 29.86 16.22 18.42 56.21 102.24 15.83 47.68 15.39 18.84 20.76 68.71 34.12 44.08 23.68 110.93 22.92 28.50 114.31 20.57 25.68 8.73 29.09 110.60 36.90 49.44 114.64 65.94 14.35 48.11 n/a 34.69 27.26 33.24 82.55 56.41 35.89 13.68 n/a 43.05

45.69 74.54 62.87 44.55 33.58 110.07 42.61 56.08 63.30 116.99 54.76 41.92 23.02 30.49 27.63 17.97 14.46 57.10 115.41 10.55 49.77 15.78 17.99 20.81 78.21 32.76 51.36 23.14 111.40 25.72 39.43 119.41 24.04 24.40 9.23 29.38 119.27 36.10 51.49 122.08 65.72 15.37 45.52 n/a 38.25 30.14 32.65 78.77 51.96 44.05 17.28 n/a 43.98

48.93 74.07 60.28 43.65 33.16 103.13 51.79 62.05 60.76 117.97 53.97 49.94 24.35 30.86 28.14 18.98 15.12 66.72 109.07 16.81 50.95 16.07 16.90 22.66 70.82 29.17 45.31 22.53 108.07 24.78 47.47 122.93 24.77 22.69 9.69 27.76 114.48 35.88 53.12 122.34 67.49 16.32 46.09 n/a 37.78 31.60 32.40 81.61 58.09 42.60 16.14 n/a 44.45

64.79 54.58 72.81 66.79 59.64 95.93 43.67 57.65 58.05 64.54 74.52 46.02 60.14 64.69 61.46 45.39 74.54 67.77 69.25 43.73 61.81 76.78 47.52 63.58 76.95 53.77 63.53 90.79 46.83 38.04 85.58 46.40 61.40 41.54 55.46 69.52 63.56 55.24 59.53 66.49 49.30 70.77 60.61 56.42 48.73 65.96 68.22 55.23 76.95 46.57 63.28 63.56

63.14 56.49 73.07 66.66 58.20 89.39 50.03 60.04 58.51 69.22 69.50 43.44 57.85 61.96 58.63 49.50 58.68 69.51 77.16 28.49 64.15 78.43 46.11 71.76 74.44 61.87 61.19 92.38 52.12 54.36 93.31 55.78 58.14 44.60 54.46 76.27 62.88 54.52 62.81 65.47 53.52 67.72 54.20 62.88 53.46 64.87 63.55 49.13 76.29 58.42 63.56 64.54

66.70 57.09 68.75 65.67 57.32 80.94 60.57 66.67 55.20 75.77 69.26 51.22 59.58 63.79 59.68 51.26 60.08 83.89 75.03 44.54 66.71 78.34 48.66 64.57 67.72 54.40 59.09 91.06 48.54 66.89 97.51 59.59 53.55 47.77 49.42 72.89 62.86 54.77 63.93 67.04 56.34 70.64 55.25 63.99 56.31 64.48 65.93 54.43 78.00 53.85 64.82 65.80



Table 23C-1

Uninsured/Underinsured Motorist 2010-2012 Total Business Pure Premium - Bodily Injury Component STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

46.43 57.91 62.01 31.46 32.75 118.25 36.62 42.41 34.77 110.14 48.22 43.72 23.43 31.65 24.60 16.21 18.38 56.18 100.44 15.82 34.12 15.39 18.84 20.76 49.81 34.08 44.08 23.67 110.88 22.81 26.10 90.85 20.57 24.05 8.73 27.87 110.56 30.35 49.41 97.54 58.38 14.35 32.94 n/a 34.15 18.55 26.31 66.22 46.62 35.28 13.68 n/a 39.73

45.69 60.31 62.84 31.86 32.01 108.50 42.61 45.86 37.27 116.99 44.60 41.92 22.53 29.66 22.65 17.97 14.43 57.07 113.78 10.55 37.00 15.78 17.99 20.80 59.76 32.72 51.35 23.12 111.34 25.53 37.24 94.61 24.04 22.82 9.23 28.22 119.24 30.46 51.49 105.90 58.76 15.37 30.22 n/a 37.78 20.82 26.32 62.93 42.43 43.41 17.28 n/a 40.80

48.93 61.16 60.26 30.38 31.67 101.54 51.79 52.53 33.97 117.97 43.01 49.94 23.95 30.12 23.29 18.97 15.10 66.66 107.39 16.81 37.90 16.07 16.90 22.66 51.52 29.14 45.30 22.51 108.01 24.69 45.58 97.80 24.77 21.18 9.69 26.60 114.46 29.95 53.09 109.10 60.13 16.32 31.27 n/a 37.29 23.95 26.21 65.71 48.69 42.29 16.14 n/a 41.28

64.79 42.86 72.78 46.53 56.81 94.57 43.67 45.63 32.74 64.54 61.50 46.02 59.06 63.17 50.63 45.38 74.40 67.73 68.04 43.71 44.23 76.78 47.52 46.09 76.86 53.77 63.51 90.75 46.60 34.83 68.02 46.40 57.51 41.54 53.13 69.50 52.27 55.21 50.65 58.87 49.30 48.45 60.61 55.53 33.15 52.21 54.72 45.65 75.64 46.57 58.85 58.66

63.14 45.70 73.03 47.67 55.47 88.11 50.03 49.10 34.45 69.22 56.60 43.44 56.62 60.27 48.08 49.49 58.57 69.48 76.07 28.49 47.69 78.43 46.11 54.84 74.36 61.87 61.15 92.34 51.73 51.34 73.93 55.78 54.37 44.60 52.32 76.25 53.06 54.52 54.49 58.54 53.52 44.95 54.20 62.10 36.92 52.31 50.77 40.12 75.18 58.42 59.34 59.87

66.70 47.14 68.73 45.71 54.75 79.69 60.57 56.44 30.86 75.77 55.19 51.22 58.60 62.26 49.38 51.24 59.98 83.81 73.88 44.54 49.61 78.34 48.65 46.98 67.66 54.39 59.04 91.01 48.36 64.24 77.58 59.59 49.97 47.77 47.35 72.88 52.47 54.74 57.01 59.73 56.34 47.92 55.25 63.16 42.67 52.17 53.08 45.62 77.44 53.85 60.57 61.11



Table 23C-2

Uninsured/Underinsured Motorist 2010-2012 Total Business Pure Premium - Property Damage Component


STATE

2012

2011

2010

2012

2011

2010


0.00 15.84 0.02 13.71 1.63 1.69 0.00 11.17 26.87 0.00 10.21 0.00 0.43 0.76 5.26 0.00 0.03 0.03 1.79 0.01 13.56 0.00 0.00 0.00 18.90 0.04 0.00 0.01 0.05 0.11 2.40 23.46 0.00 1.63 0.00 1.22 0.04 6.55 0.03 17.10 7.56 0.00 15.17 n/a 0.54 8.71 6.93 16.33 9.79 0.61 0.00 n/a 3.32

0.00 14.24 0.03 12.69 1.58 1.57 0.00 10.21 26.03 0.00 10.16 0.01 0.49 0.83 4.97 0.00 0.03 0.03 1.63 0.00 12.78 0.00 0.00 0.00 18.44 0.04 0.00 0.02 0.05 0.19 2.19 24.80 0.00 1.58 0.00 1.15 0.04 5.64 0.00 16.18 6.96 0.00 15.30 n/a 0.47 9.32 6.32 15.85 9.53 0.65 0.00 n/a 3.18

0.00 12.91 0.01 13.27 1.48 1.59 0.00 9.52 26.79 0.00 10.96 0.00 0.40 0.74 4.86 0.01 0.02 0.06 1.67 0.00 13.06 0.00 0.00 0.00 19.29 0.03 0.01 0.02 0.06 0.09 1.88 25.13 0.00 1.52 0.00 1.16 0.02 5.93 0.03 13.24 7.36 0.00 14.82 n/a 0.49 7.65 6.19 15.90 9.40 0.31 0.00 n/a 3.17

0.00 11.72 0.03 20.27 2.83 1.35 0.00 12.02 25.30 0.00 13.02 0.00 1.09 1.52 10.83 0.01 0.14 0.04 1.21 0.02 17.58 0.00 0.00 17.49 0.09 0.00 0.02 0.04 0.23 3.21 17.57 0.00 3.90 0.00 2.33 0.02 11.29 0.03 8.88 7.62 0.00 22.32 0.00 0.89 15.57 13.75 13.49 9.58 1.31 0.00 4.43 4.90

0.00 10.79 0.04 18.99 2.73 1.27 0.00 10.94 24.06 0.00 12.90 0.01 1.23 1.69 10.56 0.01 0.11 0.04 1.09 0.00 16.47 0.00 0.00 16.92 0.08 0.00 0.05 0.04 0.39 3.02 19.38 0.00 3.77 0.00 2.13 0.02 9.82 0.00 8.32 6.93 0.00 22.76 0.00 0.78 16.54 12.57 12.78 9.01 1.12 0.00 4.22 4.66

0.00 9.95 0.02 19.97 2.57 1.25 0.00 10.23 24.34 0.00 14.07 0.00 0.98 1.54 10.30 0.02 0.09 0.07 1.15 0.00 17.10 0.00 0.01 17.59 0.06 0.01 0.04 0.05 0.18 2.65 19.93 0.00 3.58 0.00 2.07 0.01 10.39 0.03 6.92 7.31 0.00 22.72 0.00 0.83 13.63 12.32 12.85 8.81 0.56 0.00 4.25 4.69



Table 23D-1

Uninsured/Underinsured Motorist 2010-2012 Total Business Frequency - Bodily Injury Component STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

0.21 0.18 0.23 0.20 0.16 0.24 0.12 0.23 0.30 0.40 0.21 0.09 0.08 0.12 0.11 0.06 0.05 0.21 0.46 0.04 0.28 0.08 0.04 0.06 0.27 0.13 0.14 0.07 0.39 0.06 0.08 0.31 0.05 0.10 0.02 0.16 0.43 0.14 0.11 0.45 0.23 0.05 0.17 n/a 0.12 0.05 0.11 0.30 0.18 0.09 0.04 n/a 0.16

0.21 0.17 0.23 0.19 0.16 0.23 0.14 0.23 0.31 0.45 0.20 0.09 0.08 0.13 0.11 0.06 0.04 0.21 0.51 0.03 0.27 0.08 0.04 0.06 0.30 0.13 0.14 0.07 0.39 0.07 0.11 0.35 0.06 0.11 0.02 0.17 0.41 0.13 0.12 0.45 0.24 0.05 0.17 n/a 0.12 0.06 0.11 0.29 0.19 0.09 0.05 n/a 0.16

0.22 0.18 0.22 0.20 0.18 0.23 0.15 0.26 0.34 0.45 0.20 0.10 0.09 0.13 0.12 0.07 0.04 0.23 0.50 0.04 0.28 0.08 0.04 0.06 0.29 0.13 0.15 0.07 0.36 0.06 0.13 0.34 0.06 0.11 0.02 0.17 0.41 0.14 0.13 0.43 0.26 0.05 0.17 n/a 0.12 0.07 0.12 0.30 0.20 0.10 0.05 n/a 0.17

22,062.21 32,786.41 27,261.60 15,999.53 21,033.31 48,992.80 29,398.50 18,608.69 11,632.09 27,821.38 23,249.46 49,603.37 28,293.78 25,865.37 22,185.27 27,903.11 38,769.31 26,454.55 21,611.34 44,467.97 12,345.00 19,156.10 43,950.46 37,421.72 18,226.28 26,720.71 31,366.29 35,632.44 28,456.30 36,761.18 31,534.43 29,229.80 39,743.29 24,490.56 46,878.74 17,246.26 25,783.00 21,438.68 47,054.48 21,838.61 25,484.77 30,295.58 19,568.42 n/a 29,253.19 33,942.48 23,816.49 22,418.42 26,333.24 41,472.75 30,556.99 n/a 25,620.92

21,537.45 36,411.13 27,054.73 16,518.18 20,037.17 46,597.73 30,936.25 19,974.27 11,996.50 26,214.41 22,353.44 46,369.75 26,712.75 23,411.93 19,895.16 29,493.71 34,533.98 27,075.70 22,144.51 38,142.87 13,558.78 19,497.27 42,191.95 37,338.09 19,721.52 25,331.77 37,277.94 32,052.37 28,733.81 36,563.31 34,132.40 27,203.80 41,829.17 20,992.44 55,832.90 17,073.63 28,748.07 22,803.89 43,568.28 23,417.02 24,553.77 31,509.90 17,484.34 n/a 32,613.18 32,035.12 23,512.37 21,486.08 22,763.76 47,441.02 32,938.76 n/a 25,190.60

21,904.08 34,797.21 27,638.74 15,187.91 18,070.21 44,575.96 34,164.77 20,525.36 10,089.27 26,043.82 21,899.09 51,431.67 25,560.17 23,410.12 20,068.31 28,271.49 35,531.72 28,854.47 21,578.25 47,091.96 13,326.76 19,207.20 45,447.97 37,985.15 18,024.97 22,921.02 29,450.15 31,841.55 29,871.49 39,545.00 34,013.00 29,039.18 40,579.40 18,687.56 54,634.86 16,085.57 27,947.76 22,153.43 42,234.81 25,446.76 23,043.14 30,918.71 18,533.10 n/a 32,410.74 35,432.46 22,242.70 21,833.84 24,682.39 44,004.06 29,611.61 n/a 24,640.58



Table 23D-2

Uninsured/Underinsured Motorist 2010-2012 Total Business Frequency - Property Damage Component STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas


2012

2011

2010

2012

2011

2010

0.00 0.88 0.00 0.81 0.08 0.08 0.00 0.81 2.24 0.00 0.60 0.00 0.03 0.03 0.29 0.00 0.00 0.00 0.07 0.00 1.05 0.00 0.00 0.00 1.15 0.00 0.00 0.00 0.00 0.01 0.08 1.14 0.00 0.12 0.00 0.05 0.00 0.48 0.00 0.66 0.65 0.00 0.78 n/a 0.03 0.86 0.90 0.97 0.54 0.01 0.00 n/a 0.22

0.00 0.83 0.00 0.78 0.08 0.08 0.00 0.81 2.41 0.00 0.60 0.00 0.03 0.03 0.29 0.00 0.00 0.00 0.07 0.00 1.05 0.00 0.00 0.00 1.17 0.00 0.00 0.00 0.00 0.01 0.07 1.24 0.00 0.11 0.00 0.06 0.00 0.44 0.00 0.70 0.65 0.00 0.81 n/a 0.02 0.97 0.93 0.94 0.54 0.01 0.00 n/a 0.22

0.00 0.78 0.00 0.83 0.08 0.07 0.00 0.84 2.72 0.00 0.64 0.00 0.03 0.03 0.30 0.00 0.00 0.00 0.07 0.00 1.10 0.00 0.00 0.00 1.24 0.00 0.00 0.00 0.00 0.01 0.07 1.25 0.00 0.11 0.00 0.06 0.00 0.45 0.00 0.62 0.67 0.00 0.81 n/a 0.03 0.89 0.96 0.96 0.58 0.01 0.00 n/a 0.22

1,793.76 1,677.59 1,695.47 2,054.59 2,114.29 510.50 1,377.46 1,201.70 266.00 1,713.06 1,443.71 2,390.99 1,825.98 1,987.40 2,541.46 3,888.28 2,480.64 376.46 1,297.30 633.45 1,638.63 2,190.60 1,852.86 1,741.33 1,419.82 3,088.87 2,066.81 3,235.50 1,388.98 2,299.71 5,348.17 1,376.92 9,435.76 2,591.02 1,156.99 1,943.82 n/a 2,103.47 1,017.97 773.64 1,688.01 1,826.70 9,363.64 n/a 1,540.55

1,716.23 1,913.49 1,618.61 1,995.57 2,009.89 1,257.91 1,077.89 1,694.10 3,717.00 1,566.99 2,482.57 1,690.93 1,389.20 2,669.10 3,576.83 2,426.69 1,217.95 666.00 1,571.87 2,552.31 2,399.00 1,671.49 2,773.43 2,961.22 2,001.42 1,571.67 1,419.97 2,061.58 5,497.67 1,289.56 671.00 2,315.85 1,067.25 1,882.87 n/a 1,905.13 957.64 679.59 1,680.66 1,754.11 10,661.51 n/a 1,468.05

1,650.67 5,104.11 1,600.71 1,850.49 2,190.81 1,131.34 983.25 810.00 1,715.60 1,546.49 2,213.36 1,606.00 2,507.14 3,500.00 10,438.64 2,382.35 1,188.09 2,675.40 1,550.07 1,920.12 1,972.25 1,623.51 1,529.32 2,831.11 2,017.00 1,346.09 2,079.81 2,894.60 1,312.13 27,149.88 2,131.98 1,094.37 1,833.87 n/a 1,705.38 856.38 642.74 1,652.29 1,623.48 5,976.79 n/a 1,423.76


Total Liability



Total Liability Voluntary Market Business and Residual Market Business Total Liability earned premium and incurred losses are the sums of the respective amounts reported for: • Bodily injury liability (BI) • Property damage liability (PD) • BI/PD combined single limits (CSL) • Personal injury protection (PIP) • Uninsured/underinsured motorist (UM/UIM) • Medical payments • Other liability (not shown separately)

Total liability earned exposures are the sum of bodily injury liability and combined single limit earned exposures. Florida Florida requires PIP coverage, but does not require bodily injury liability. In light of this, PIP exposures are reported in the following tables for Florida in lieu of the sum of bodily injury and combined single limit exposures.




Table 24A

Total Liability 2010-2012* Voluntary Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

1,169,931,249 254,167,089 1,810,576,078 731,313,247 10,713,274,829 1,604,085,106 1,477,335,228 458,712,825 141,619,555 9,603,484,730 3,001,309,168 360,784,226 327,228,034 2,843,074,648 1,542,968,704 658,835,227 692,531,602 1,511,340,270 1,841,630,639 273,175,508 2,236,745,177 2,236,892,397 3,395,314,122 1,561,741,383 751,454,334 1,534,433,137 272,075,179 485,046,076 1,006,787,651 307,665,600 4,393,722,146 602,429,919 6,876,636,547 2,512,905,563 153,413,437 2,738,738,705 1,065,226,147 1,335,174,819 3,978,196,674 436,048,941 1,592,775,838 168,899,518 1,621,022,493 7,716,680,844 738,799,939 126,508,224 2,358,449,231 2,232,798,281 635,238,296 1,293,992,984 133,141,740 97,516,333,304 89,799,652,460

1,156,743,054 249,135,646 1,782,656,496 721,854,635 10,588,380,019 1,567,496,640 1,441,443,585 443,918,526 139,907,518 8,890,400,803 2,890,229,206 361,955,399 329,486,175 2,837,772,244 1,540,817,714 659,268,366 687,228,868 1,460,424,852 1,803,719,065 274,266,382 2,182,323,197 2,145,140,877 3,011,776,582 1,518,451,762 729,176,162 1,522,404,515 272,168,623 479,837,161 992,587,386 307,858,016 4,231,920,541 587,490,226 6,602,695,515 2,508,690,512 142,839,787 2,730,248,247 1,032,791,565 1,303,015,640 3,975,531,015 427,093,551 1,529,435,529 164,061,317 1,563,744,842 7,560,758,649 729,659,010 125,639,723 2,308,943,730 2,226,571,916 633,523,238 1,335,962,511 133,351,881 94,842,798,419 87,282,039,770

1,143,584,922 245,292,855 1,814,829,145 721,961,231 10,619,261,741 1,584,445,582 1,417,610,620 429,937,803 135,850,590 8,162,776,983 2,842,130,402 351,242,330 334,485,116 2,808,671,726 1,529,167,284 652,527,313 687,948,191 1,389,423,973 1,763,663,400 279,934,957 2,129,102,464 2,023,663,944 2,673,518,219 1,510,255,642 725,224,448 1,511,199,766 273,850,482 476,132,117 1,001,613,840 312,242,235 3,988,951,900 587,006,496 6,377,974,066 2,543,151,494 134,723,759 2,746,212,131 1,004,139,031 1,290,291,261 3,972,288,306 419,269,348 1,492,886,179 164,628,061 1,527,239,314 7,371,838,278 731,936,304 125,075,319 2,283,866,701 2,227,265,419 628,662,695 1,299,824,385 132,512,293 92,601,292,061 85,229,453,783

3,275,747 448,002 3,847,280 1,972,298 24,396,421 3,651,212 2,296,768 604,967 232,253 11,510,773 6,319,068 795,108 1,021,334 6,779,291 4,228,362 2,334,253 2,154,369 2,998,678 2,664,003 823,271 3,870,013 3,984,196 5,433,805 3,717,641 1,791,782 3,972,799 725,918 1,450,317 1,640,230 803,115 5,188,254 1,368,109 9,061,978 6,996,054 580,579 7,763,493 2,558,644 2,597,408 8,226,886 629,794 3,333,986 621,894 4,217,111 n/a 1,672,002 372,832 5,963,373 4,098,355 1,270,309 3,757,673 428,656 n/a 180,450,664

3,234,672 440,610 3,830,015 1,948,143 24,054,044 3,594,731 2,285,093 598,611 229,272 11,378,030 6,246,224 781,960 1,009,177 6,738,693 4,265,121 2,316,099 2,135,830 2,961,690 2,621,806 832,487 3,818,494 4,004,604 5,286,393 3,686,782 1,750,833 3,950,765 712,008 1,428,645 1,601,673 804,651 5,161,696 1,353,204 9,049,014 6,931,405 557,846 7,768,179 2,534,336 2,609,876 8,243,773 632,124 3,287,986 611,538 4,157,428 n/a 1,643,372 372,551 5,932,729 4,070,644 1,263,572 3,701,429 420,962 n/a 178,850,820

3,201,263 428,621 3,770,019 1,936,220 23,870,822 3,554,036 2,267,173 589,028 226,089 11,417,950 6,172,291 742,532 999,005 6,713,102 4,234,391 2,309,309 2,127,312 2,965,767 2,597,312 839,573 3,770,359 3,973,076 5,226,431 3,659,498 1,727,662 3,933,946 702,833 1,419,631 1,586,934 799,229 5,104,475 1,339,848 9,015,139 6,894,796 546,104 7,729,352 2,518,559 2,601,945 8,208,150 633,353 3,241,874 610,710 4,120,596 n/a 1,634,623 372,922 5,861,447 4,027,274 1,246,148 3,628,773 415,902 n/a 177,513,404



Table 24B

Total Liability 2010-2012* Voluntary Business Incurred Losses STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

2012

2011

2010

918,037,449 188,225,468 1,443,007,099 558,415,655 7,554,151,155 1,349,252,893 1,074,915,615 351,587,049 105,353,210 6,940,708,047 2,659,444,976 223,232,254 237,492,383 2,199,448,927 1,201,451,812 467,333,458 527,503,241 1,194,757,374 1,500,755,288 195,928,752 1,725,744,166 1,430,861,618 3,568,508,529 1,100,204,728 572,723,755 1,133,480,159 177,368,274 354,572,011 855,489,998 230,826,795 2,959,876,103 485,099,537 4,912,225,411 1,920,810,355 115,365,736 2,100,317,160 781,048,580 1,066,083,589 2,889,192,595 346,658,359 1,262,907,673 121,049,716 1,266,400,065 5,485,275,367 556,818,198 86,737,879 1,853,736,652 1,802,323,199 409,890,884 1,046,715,451 91,835,085 73,601,149,732 68,115,874,365

862,698,668 179,998,796 1,417,008,377 532,217,137 7,222,633,124 1,275,522,231 1,121,502,339 346,232,478 103,097,752 7,567,114,752 2,495,742,446 213,651,634 223,429,134 2,122,383,553 1,102,781,491 438,015,570 496,258,499 1,137,472,298 1,464,840,698 189,508,852 1,728,710,476 1,447,013,569 3,111,478,228 1,103,328,409 591,020,882 1,105,478,715 177,564,837 342,022,513 817,685,864 231,678,868 3,222,125,007 461,797,727 5,128,282,025 1,845,167,025 111,820,467 2,045,242,278 758,511,267 1,007,263,452 2,949,974,092 355,970,608 1,205,124,599 119,345,294 1,195,846,414 4,870,279,378 523,224,942 92,795,048 1,789,745,504 1,700,468,887 414,764,477 1,025,488,785 89,245,369 72,080,574,835 67,210,295,457

845,315,046 170,793,634 1,325,835,906 527,134,296 6,917,136,194 1,209,946,808 1,127,452,570 349,216,747 102,502,061 7,777,022,393 2,428,143,756 219,937,105 221,252,280 2,069,840,553 1,131,474,308 441,774,339 490,246,619 1,183,645,796 1,393,628,097 199,055,838 1,684,528,386 1,388,128,831 2,843,154,461 1,107,959,306 559,077,992 1,075,622,228 175,566,136 341,311,566 792,236,694 221,442,021 3,422,716,465 466,607,239 5,280,844,525 1,853,610,105 99,744,782 1,963,664,663 746,660,240 1,012,491,161 2,894,900,809 341,073,184 1,181,277,782 121,992,541 1,164,677,723 4,766,093,161 507,146,525 91,540,311 1,710,365,986 1,699,094,006 427,738,039 988,306,480 92,102,834 71,153,030,528 66,386,937,367



Table 24C

Total Liability 2010-2012* Voluntary Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

280.25 420.14 375.07 283.13 309.64 369.54 468.01 581.17 453.61 602.97 420.86 280.76 232.53 324.44 284.14 200.21 244.85 398.43 563.35 237.99 445.93 359.13 656.72 295.94 319.64 285.31 244.34 244.48 521.57 287.41 570.50 354.58 542.07 274.56 198.71 270.54 305.26 410.44 351.19 550.43 378.80 194.65 300.30 n/a 333.02 232.65 310.85 439.77 322.67 278.55 214.24 n/a 377.48

266.70 408.52 369.97 273.19 300.27 354.83 490.79 578.39 449.67 665.06 399.56 273.23 221.40 314.95 258.56 189.12 232.35 384.06 558.71 227.64 452.72 361.34 588.58 299.27 337.57 279.81 249.39 239.40 510.52 287.92 624.24 341.26 566.72 266.20 200.45 263.28 299.29 385.94 357.84 563.13 366.52 195.16 287.64 n/a 318.38 249.08 301.67 417.74 328.25 277.05 212.00 n/a 375.79

264.06 398.47 351.68 272.25 289.77 340.44 497.29 592.87 453.37 681.12 393.39 296.20 221.47 308.33 267.21 191.30 230.45 399.10 536.57 237.09 446.78 349.38 544.00 302.76 323.60 273.42 249.80 240.42 499.22 277.07 670.53 348.25 585.78 268.84 182.65 254.05 296.46 389.13 352.69 538.52 364.38 199.76 282.65 n/a 310.25 245.47 291.80 421.90 343.25 272.35 221.45 n/a 373.98

78.47 74.06 79.70 76.36 70.51 84.11 72.76 76.65 74.39 72.27 88.61 61.87 72.58 77.36 77.87 70.93 76.17 79.05 81.49 71.72 77.15 63.97 105.10 70.45 76.22 73.87 65.19 73.10 84.97 75.03 67.37 80.52 71.43 76.44 75.20 76.69 73.32 79.85 72.63 79.50 79.29 71.67 78.12 71.08 75.37 68.56 78.60 80.72 64.53 80.89 68.98 75.48 75.85

74.58 72.25 79.49 73.73 68.21 81.37 77.80 77.99 73.69 85.12 86.35 59.03 67.81 74.79 71.57 66.44 72.21 77.89 81.21 69.10 79.21 67.46 103.31 72.66 81.05 72.61 65.24 71.28 82.38 75.26 76.14 78.61 77.67 73.55 78.28 74.91 73.44 77.30 74.20 83.35 78.80 72.74 76.47 64.42 71.71 73.86 77.51 76.37 65.47 76.76 66.92 76.00 77.00

73.92 69.63 73.06 73.01 65.14 76.36 79.53 81.22 75.45 95.27 85.43 62.62 66.15 73.69 73.99 67.70 71.26 85.19 79.02 71.11 79.12 68.59 106.35 73.36 77.09 71.18 64.11 71.68 79.10 70.92 85.80 79.49 82.80 72.89 74.04 71.50 74.36 78.47 72.88 81.35 79.13 74.10 76.26 64.65 69.29 73.19 74.89 76.29 68.04 76.03 69.51 76.84 77.89



Table 25A

Total Liability 2010-2012* Residual Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

947 12,939 646 1,859 817,432 0 214,335 3,798 278,456 3,567,157 0 4,138,528 5,144 521,677 2,001 9,390 1,035,224 67,617 302 14,352 58,730,028 119,877,616 1,621,334 17,475 29,516 14,658 44,185 1,464 1,820 157,698 51,134,817 1,511 125,996,315 0 3,336 0 12,379 2,879 4,427,689 9,741,328 0 0 15,584 2,785,082 499 101,426 807,245 0 20,907 0 0 386,238,595 383,453,513

1,580 31,236 3,146 5,664 1,043,653 0 287,735 6,172 293,496 1,422,905 0 4,533,281 13,341 615,989 574 14,102 1,054,986 30,604 2,115 15,884 71,559,090 112,292,915 758,204 5,706 46,544 17,672 82,689 241 13,065 246,765 63,487,267 5,677 143,599,994 0 4,564 0 18,007 4,226 5,662,794 8,893,214 102 561 13,365 3,074,081 973 165,146 951,298 0 20,024 0 0 420,300,647 417,226,566

3,106 77,232 8,750 6,321 1,429,977 0 415,805 5,375 358,446 74,507 0 4,766,384 24,491 663,090 3,796 8,783 979,806 45,543 1,250 17,989 79,222,763 103,003,441 1,127,960 13,462 64,260 17,384 99,639 1,042 14,864 413,975 57,608,715 18,730 135,764,392 0 2,959 118 20,971 9,015 7,543,400 9,095,925 239 659 14,809 3,710,665 804 264,553 1,118,717 159 20,333 0 37 408,064,641 404,353,976

0 8 1 2 640 0 162 2 145 1,675 0 2,977 7 670 2 15 1,689 39 0 16 45,164 103,624 733 10 18 20 59 1 2 132 14,316 1 69,515 0 1 0 15 2 8,124 9,126 0 0 12 n/a 0 85 659 0 11 0 0 n/a 259,680

1 17 5 2 872 0 227 3 165 677 0 3,240 15 818 2 27 1,664 17 1 13 59,346 102,507 313 4 33 21 131 0 12 218 22,573 8 90,417 0 2 0 26 3 10,358 8,395 0 0 11 n/a 1 150 796 0 10 0 0 n/a 303,101

1 42 9 3 1,246 0 322 4 215 34 0 2,880 35 853 3 16 1,521 26 1 16 70,605 97,004 561 8 49 19 193 1 13 342 22,749 16 93,271 0 1 0 33 7 13,674 8,566 0 0 16 n/a 0 243 940 0 9 0 0 n/a 315,547



Table 25B

Total Liability 2010-2012* Residual Business Incurred Losses STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

2012

2011

2010

0 0 0 0 432,948 0 80,977 0 337,819 9,293,608 0 1,554,268 0 623,597 0 0 973,762 60,021 0 0 53,551,499 109,329,194 407,784 68,048 0 25,718 17,994 26,116 0 64,360 41,932,772 0 122,821,626 0 0 0 11,070 0 4,721,655 10,685,158 0 0 2,010 2,741,948 0 23,244 473,391 0 41,101 0 0 360,301,688 357,559,740

0 11,593 0 0 550,228 0 303,201 0 250,330 1,664,854 0 1,900,822 0 633,793 0 1,116 481,132 1,202 0 2,012 65,272,969 105,092,686 34,168 0 0 2,206 76,791 0 0 108,119 58,510,535 0 172,846,242 0 0 0 4,610 0 5,541,520 9,394,874 0 0 0 2,754,826 0 56,388 457,279 0 16,556 0 0 425,970,052 423,215,226

0 2,018 0 1,147 973,078 0 340,831 0 415,734 115,838 0 1,880,810 12,355 603,554 0 0 547,226 2,148 0 0 82,723,961 103,630,897 2,389,240 3,480 7,530 70,697 14,639 0 4,522 497,226 58,604,488 5,107 182,284,750 0 0 2,955 23,754 0 8,335,940 9,248,209 0 0 565 2,715,871 0 480,969 657,184 0 1,623 0 0 456,598,346 453,882,475



Table 25C

Total Liability 2010-2012* Residual Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

0.00 0.00 0.00 676.48 499.86 0.00 2,329.79 5,548.42 522.09 0.00 930.74 0.00 0.00 576.53 1,539.00 0.00 1,185.71 1,055.06 556.32 6,804.80 0.00 1,285.90 304.98 26,116.00 0.00 487.58 2,929.08 0.00 1,766.84 0.00 738.00 0.00 581.20 1,170.85 167.50 n/a 273.46 718.35 3,736.45 n/a 1,376.92

0.00 681.94 0.00 0.00 631.00 1,335.69 0.00 1,517.15 2,459.16 586.67 0.00 774.81 0.00 41.33 289.14 70.71 0.00 154.77 1,099.87 1,025.22 109.16 0.00 0.00 105.05 586.19 0.00 495.96 2,592.06 0.00 1,911.66 0.00 177.31 0.00 535.00 1,119.10 0.00 n/a 0.00 375.92 574.47 1,655.60 n/a 1,396.28

0.00 48.05 0.00 382.33 780.96 1,058.48 0.00 1,933.65 3,407.00 653.06 353.00 707.57 0.00 0.00 359.78 82.62 0.00 0.00 1,171.64 1,068.32 4,258.89 435.00 153.67 3,720.89 75.85 0.00 347.85 1,453.88 2,576.13 319.19 1,954.36 0.00 719.82 0.00 609.62 1,079.64 35.31 n/a 1,979.30 699.13 180.33 n/a 1,438.40

0.00 0.00 0.00 0.00 52.96 37.78 0.00 121.32 260.53 37.56 0.00 119.54 0.00 0.00 94.06 88.77 0.00 0.00 91.18 91.20 25.15 389.40 0.00 175.45 40.72 1,783.88 0.00 40.81 82.00 0.00 97.48 0.00 89.43 0.00 106.64 109.69 12.90 98.45 0.00 22.92 58.64 196.59 93.28 93.25

0.00 37.11 0.00 0.00 52.72 105.38 0.00 85.29 117.00 41.93 0.00 102.89 0.00 7.91 45.61 3.93 0.00 12.67 91.22 93.59 4.51 0.00 0.00 12.48 92.87 0.00 0.00 43.81 92.16 0.00 120.37 0.00 25.60 0.00 97.86 105.64 0.00 0.00 0.00 89.61 0.00 34.14 48.07 82.68 101.35 101.44

0.00 2.61 0.00 18.15 68.05 81.97 0.00 115.98 155.47 39.46 50.45 91.02 0.00 0.00 55.85 4.72 0.00 0.00 104.42 100.61 211.82 25.85 11.72 406.68 14.69 0.00 30.42 120.11 101.73 27.27 134.27 0.00 2,504.24 113.27 0.00 110.51 101.67 0.00 0.00 3.82 73.19 0.00 181.80 58.74 0.00 7.98 0.00 111.89 112.25



Table 26A

Total Liability 2010-2012* Total Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

1,169,932,196 254,180,028 1,810,576,724 731,315,106 10,714,092,261 1,604,085,106 1,477,549,563 458,716,623 141,898,011 9,607,051,887 3,001,309,168 364,922,754 327,233,178 2,843,596,325 1,542,970,705 658,844,617 693,566,826 1,511,407,887 1,841,630,941 273,189,860 2,295,475,205 2,356,770,013 3,396,935,456 1,561,758,858 751,483,850 1,534,447,795 272,119,364 485,047,540 1,006,789,471 307,823,298 4,444,856,963 602,431,430 7,002,632,862 2,512,905,563 153,416,773 2,738,738,705 1,065,238,526 1,335,177,698 3,982,624,363 445,790,269 1,592,775,838 168,899,518 1,621,038,077 7,719,465,926 738,800,438 126,609,650 2,359,256,476 2,232,798,281 635,259,203 1,293,992,984 133,141,740 97,902,571,899 90,183,105,973

1,156,744,634 249,166,882 1,782,659,642 721,860,299 10,589,423,672 1,567,496,640 1,441,731,320 443,924,698 140,201,014 8,891,823,708 2,890,229,206 366,488,680 329,499,516 2,838,388,233 1,540,818,288 659,282,468 688,283,854 1,460,455,456 1,803,721,180 274,282,266 2,253,882,287 2,257,433,792 3,012,534,786 1,518,457,468 729,222,706 1,522,422,187 272,251,312 479,837,402 992,600,451 308,104,781 4,295,407,808 587,495,903 6,746,295,509 2,508,690,512 142,844,351 2,730,248,247 1,032,809,572 1,303,019,866 3,981,193,809 435,986,765 1,529,435,631 164,061,878 1,563,758,207 7,563,832,730 729,659,983 125,804,869 2,309,895,028 2,226,571,916 633,543,262 1,335,962,511 133,351,881 95,263,099,066 87,699,266,336

1,143,588,028 245,370,087 1,814,837,895 721,967,552 10,620,691,718 1,584,445,582 1,418,026,425 429,943,178 136,209,036 8,162,851,490 2,842,130,402 356,008,714 334,509,607 2,809,334,816 1,529,171,080 652,536,096 688,927,997 1,389,469,516 1,763,664,650 279,952,946 2,208,325,227 2,126,667,385 2,674,646,179 1,510,269,104 725,288,708 1,511,217,150 273,950,121 476,133,159 1,001,628,704 312,656,210 4,046,560,615 587,025,226 6,513,738,458 2,543,151,494 134,726,718 2,746,212,249 1,004,160,002 1,290,300,276 3,979,831,706 428,365,273 1,492,886,418 164,628,720 1,527,254,123 7,375,548,943 731,937,108 125,339,872 2,284,985,418 2,227,265,578 628,683,028 1,299,824,385 132,512,330 93,009,356,702 85,633,807,759

3,275,747 448,010 3,847,281 1,972,300 24,397,061 3,651,212 2,296,930 604,969 232,398 11,512,448 6,319,068 798,085 1,021,341 6,779,961 4,228,364 2,334,268 2,156,058 2,998,717 2,664,003 823,287 3,915,177 4,087,820 5,434,538 3,717,651 1,791,800 3,972,819 725,977 1,450,318 1,640,232 803,247 5,202,570 1,368,110 9,131,493 6,996,054 580,580 7,763,493 2,558,659 2,597,410 8,235,010 638,920 3,333,986 621,894 4,217,123 n/a 1,672,002 372,917 5,964,032 4,098,355 1,270,320 3,757,673 428,656 n/a 180,710,344

3,234,673 440,627 3,830,020 1,948,145 24,054,916 3,594,731 2,285,320 598,614 229,437 11,378,707 6,246,224 785,200 1,009,192 6,739,511 4,265,123 2,316,126 2,137,494 2,961,707 2,621,807 832,500 3,877,840 4,107,111 5,286,706 3,686,786 1,750,866 3,950,786 712,139 1,428,645 1,601,685 804,869 5,184,269 1,353,212 9,139,431 6,931,405 557,848 7,768,179 2,534,362 2,609,879 8,254,131 640,519 3,287,986 611,538 4,157,439 n/a 1,643,373 372,701 5,933,525 4,070,644 1,263,582 3,701,429 420,962 n/a 179,153,921

3,201,264 428,663 3,770,028 1,936,223 23,872,068 3,554,036 2,267,495 589,032 226,304 11,417,984 6,172,291 745,412 999,040 6,713,955 4,234,394 2,309,325 2,128,833 2,965,793 2,597,313 839,589 3,840,964 4,070,080 5,226,992 3,659,506 1,727,711 3,933,965 703,026 1,419,632 1,586,947 799,571 5,127,224 1,339,864 9,108,410 6,894,796 546,105 7,729,352 2,518,592 2,601,952 8,221,824 641,919 3,241,874 610,710 4,120,612 n/a 1,634,623 373,165 5,862,387 4,027,274 1,246,157 3,628,773 415,902 n/a 177,828,951



Table 26B

Total Liability 2010-2012* Total Business Incurred Losses STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

2012

2011

2010

918,037,449 188,225,468 1,443,007,099 558,415,655 7,554,584,103 1,349,252,893 1,074,996,592 351,587,049 105,691,029 6,950,001,655 2,659,444,976 224,786,522 237,492,383 2,200,072,524 1,201,451,812 467,333,458 528,477,003 1,194,817,395 1,500,755,288 195,928,752 1,779,295,665 1,540,190,812 3,568,916,313 1,100,272,776 572,723,755 1,133,505,877 177,386,268 354,598,127 855,489,998 230,891,155 3,001,808,875 485,099,537 5,035,047,037 1,920,810,355 115,365,736 2,100,317,160 781,059,650 1,066,083,589 2,893,914,250 357,343,517 1,262,907,673 121,049,716 1,266,402,075 5,488,017,315 556,818,198 86,761,123 1,854,210,043 1,802,323,199 409,931,985 1,046,715,451 91,835,085 73,961,451,420 68,473,434,105

862,698,668 180,010,389 1,417,008,377 532,217,137 7,223,183,352 1,275,522,231 1,121,805,540 346,232,478 103,348,082 7,568,779,606 2,495,742,446 215,552,456 223,429,134 2,123,017,346 1,102,781,491 438,016,686 496,739,631 1,137,473,500 1,464,840,698 189,510,864 1,793,983,445 1,552,106,255 3,111,512,396 1,103,328,409 591,020,882 1,105,480,921 177,641,628 342,022,513 817,685,864 231,786,987 3,280,635,542 461,797,727 5,301,128,267 1,845,167,025 111,820,467 2,045,242,278 758,515,877 1,007,263,452 2,955,515,612 365,365,482 1,205,124,599 119,345,294 1,195,846,414 4,873,034,204 523,224,942 92,851,436 1,790,202,783 1,700,468,887 414,781,033 1,025,488,785 89,245,369 72,506,544,887 67,633,510,683

845,315,046 170,795,652 1,325,835,906 527,135,443 6,918,109,272 1,209,946,808 1,127,793,401 349,216,747 102,917,795 7,777,138,231 2,428,143,756 221,817,915 221,264,635 2,070,444,107 1,131,474,308 441,774,339 490,793,845 1,183,647,944 1,393,628,097 199,055,838 1,767,252,347 1,491,759,728 2,845,543,701 1,107,962,786 559,085,522 1,075,692,925 175,580,775 341,311,566 792,241,216 221,939,247 3,481,320,953 466,612,346 5,463,129,275 1,853,610,105 99,744,782 1,963,667,618 746,683,994 1,012,491,161 2,903,236,749 350,321,393 1,181,277,782 121,992,541 1,164,678,288 4,768,809,032 507,146,525 92,021,280 1,711,023,170 1,699,094,006 427,739,662 988,306,480 92,102,834 71,609,628,874 66,840,819,842



Table 26C

Total Liability 2010-2012* Total Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

280.25 420.14 375.07 283.13 309.65 369.54 468.01 581.17 454.78 603.69 420.86 281.66 232.53 324.50 284.14 200.21 245.11 398.44 563.35 237.98 454.46 376.78 656.71 295.96 319.64 285.32 244.34 244.50 521.57 287.45 576.99 354.58 551.39 274.56 198.71 270.54 305.26 410.44 351.42 559.29 378.80 194.65 300.30 n/a 333.02 232.66 310.90 439.77 322.70 278.55 214.24 n/a 378.91

266.70 408.53 369.97 273.19 300.28 354.83 490.87 578.39 450.44 665.17 399.56 274.52 221.39 315.01 258.56 189.12 232.39 384.06 558.71 227.64 462.62 377.91 588.55 299.27 337.56 279.81 249.45 239.40 510.52 287.98 632.81 341.26 580.03 266.20 200.45 263.28 299.29 385.94 358.07 570.42 366.52 195.16 287.64 n/a 318.38 249.13 301.71 417.74 328.26 277.05 212.00 n/a 377.52

264.06 398.44 351.68 272.25 289.80 340.44 497.37 592.87 454.78 681.13 393.39 297.58 221.48 308.38 267.21 191.30 230.55 399.10 536.57 237.09 460.11 366.52 544.39 302.76 323.60 273.44 249.75 240.42 499.22 277.57 678.99 348.25 599.79 268.84 182.65 254.05 296.47 389.13 353.11 545.74 364.38 199.76 282.65 n/a 310.25 246.60 291.86 421.90 343.25 272.35 221.45 n/a 375.87

78.47 74.05 79.70 76.36 70.51 84.11 72.76 76.65 74.48 72.34 88.61 61.60 72.58 77.37 77.87 70.93 76.20 79.05 81.49 71.72 77.51 65.35 105.06 70.45 76.21 73.87 65.19 73.11 84.97 75.01 67.53 80.52 71.90 76.44 75.20 76.69 73.32 79.85 72.66 80.16 79.29 71.67 78.12 71.09 75.37 68.53 78.59 80.72 64.53 80.89 68.98 75.55 75.93

74.58 72.24 79.49 73.73 68.21 81.37 77.81 77.99 73.71 85.12 86.35 58.82 67.81 74.80 71.57 66.44 72.17 77.88 81.21 69.09 79.60 68.76 103.29 72.66 81.05 72.61 65.25 71.28 82.38 75.23 76.38 78.60 78.58 73.55 78.28 74.91 73.44 77.30 74.24 83.80 78.80 72.74 76.47 64.43 71.71 73.81 77.50 76.37 65.47 76.76 66.92 76.11 77.12

73.92 69.61 73.06 73.01 65.14 76.36 79.53 81.22 75.56 95.27 85.43 62.31 66.15 73.70 73.99 67.70 71.24 85.19 79.02 71.10 80.03 70.15 106.39 73.36 77.08 71.18 64.09 71.68 79.10 70.99 86.03 79.49 83.87 72.89 74.03 71.50 74.36 78.47 72.95 81.78 79.13 74.10 76.26 64.66 69.29 73.42 74.88 76.29 68.04 76.03 69.51 76.99 78.05



Collision



Collision Collision insurance pays for damage to the policyholder’s own car regardless of fault. A collision is defined as the upset (turning over) of a covered auto or its impact with another vehicle or stationary object. Coverage is limited in two ways. First, the amount the policyholder can collect is no more than the current market value of the vehicle immediately before the accident. Second, the policyholder selects a deductible, which is the amount he or she must pay

before the insurance company makes any payment. Generally, the higher the deductible, the lower the collision coverage premium. Physical damage coverages, (i.e., collision and comprehensive), are not required by law; however, when a car is purchased with a loan, the lender will usually require that the borrower purchase physical damage coverages until the loan is repaid.

Collision State-Specific Information and Technical Notes Voluntary Market Business and Residual Market Business Collision Data Indivisible physical damage coverage (single premium and deductible for both collision and comprehensive coverages) data are included with collision data in the case that the data is reported to the statistical agent in this manner. Michigan—Michigan law imposes a tort limitation on collision damage. In an accident, the at-fault driver is only liable for a maximum of $500 for damage to another person’s vehicle that is “not covered by collision insurance.” The property damage liability coverage in a Michigan auto policy does not apply to collision damage. A policyholder can purchase Limited Property Damage Liability Coverage that pays this amount to the owner of the damaged vehicle. Loss Development Collision incurred losses are not developed. Except: California—Incurred losses are developed to 27 months. Texas—Incurred losses are developed to 27 months.




Table 27A

Collision 2010-2012 Voluntary Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

666,316,656 105,538,054 684,258,578 381,619,671 5,744,454,566 654,217,847 602,588,092 133,438,433 79,595,035 1,984,229,486 1,410,312,976 163,927,511 138,375,719 1,468,933,130 726,587,505 335,764,843 346,802,404 471,466,593 720,299,452 148,254,182 974,674,721 1,107,318,578 1,483,881,536 564,468,162 354,006,988 713,299,493 107,444,653 207,461,395 343,914,110 187,363,979 1,387,566,161 220,455,200 2,295,144,861 1,121,130,392 81,999,402 1,420,637,952 478,290,445 378,876,171 1,890,977,752 157,418,164 561,083,591 77,189,968 819,809,096 3,513,325,862 301,669,934 80,349,360 1,131,942,461 743,288,117 260,943,624 575,053,901 72,989,996 40,580,956,758 37,067,630,896

668,346,610 103,795,199 707,316,040 370,814,260 5,560,933,295 647,898,411 600,235,953 131,189,078 76,693,456 2,036,330,126 1,417,448,676 161,619,517 139,084,195 1,460,809,535 722,289,403 325,615,892 345,202,316 462,658,999 730,612,141 151,720,942 958,571,636 1,024,717,605 1,447,924,725 548,432,575 347,215,299 701,540,098 104,368,485 197,444,933 347,366,383 186,278,640 1,350,055,276 224,172,568 2,246,053,327 1,060,669,531 74,579,634 1,382,122,000 465,193,987 389,397,153 1,880,568,073 154,685,612 552,125,722 72,684,880 776,911,311 3,390,716,334 303,294,104 79,185,886 1,114,031,302 745,336,438 251,221,596 567,787,196 71,390,564 39,836,656,917 36,445,940,583

669,859,566 103,457,410 749,467,963 365,630,639 5,556,346,205 652,202,504 596,598,956 130,107,782 76,561,571 2,183,825,593 1,443,757,595 155,418,834 145,546,994 1,519,670,249 739,936,062 323,606,265 349,463,007 471,582,939 752,224,272 156,026,411 955,012,032 937,297,564 1,475,467,452 551,962,851 351,355,181 706,141,975 102,746,226 194,994,519 359,339,860 187,974,387 1,313,417,054 232,179,205 2,218,516,507 1,044,244,836 68,979,999 1,381,996,397 459,219,603 411,964,567 1,874,657,091 153,827,107 545,486,664 70,688,771 765,429,551 3,446,017,770 310,293,896 78,919,264 1,106,264,165 760,404,931 242,435,297 577,809,405 72,509,908 40,098,844,852 36,652,827,082

2,308,306 289,114 2,802,864 1,296,486 16,555,122 2,611,246 1,805,985 465,648 183,027 8,609,727 4,460,032 566,779 682,821 5,401,655 3,103,113 1,675,546 1,428,955 1,913,594 1,914,570 596,506 3,079,321 3,359,436 4,002,229 2,781,092 1,212,304 2,829,302 445,570 963,592 1,176,453 695,442 3,908,696 839,980 6,672,791 4,586,408 379,025 5,871,552 1,659,309 1,879,220 6,366,059 441,280 2,348,927 403,054 2,952,203 n/a 1,210,004 283,229 4,466,914 3,131,094 832,496 2,882,904 274,525 n/a 130,605,507

2,265,751 281,481 2,774,782 1,274,478 16,296,404 2,556,507 1,787,479 459,921 179,592 8,497,545 4,375,856 555,787 669,192 5,336,066 3,088,950 1,646,612 1,411,121 1,873,813 1,877,976 594,884 3,028,577 3,315,883 3,849,925 2,736,435 1,179,179 2,797,582 432,837 941,675 1,149,527 686,371 3,863,238 826,020 6,598,243 4,515,943 357,202 5,810,390 1,631,266 1,870,943 6,298,130 435,775 2,290,782 392,709 2,892,839 n/a 1,177,834 278,970 4,403,685 3,090,028 819,908 2,824,667 268,803 n/a 128,569,563

2,238,535 274,670 2,751,375 1,264,527 16,196,572 2,524,437 1,770,289 453,569 176,832 8,528,044 4,347,407 531,235 659,933 5,295,566 3,069,477 1,629,931 1,413,456 1,867,073 1,867,150 596,230 2,996,669 3,237,366 3,797,987 2,707,858 1,163,085 2,785,381 423,727 932,152 1,145,046 677,941 3,818,288 819,615 6,536,207 4,493,876 344,513 5,757,998 1,617,287 1,854,451 6,244,888 433,667 2,248,530 386,771 2,861,696 n/a 1,172,706 276,996 4,344,744 3,034,699 805,610 2,800,486 267,389 n/a 127,443,937



Table 27B

Collision 2010-2012 Voluntary Business Incurred Losses STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Incurred Claims

2012

2011

2010

2012

2011

2010

475,480,224 68,364,884 515,542,249 260,227,517 3,378,974,012 470,908,234 410,531,826 93,668,066 46,767,347 1,551,812,153 884,764,099 105,715,204 86,371,314 1,039,779,527 527,726,568 227,619,160 241,057,712 342,082,451 533,518,145 95,480,248 689,727,519 663,779,476 1,122,989,475 390,822,870 247,370,971 497,178,046 68,596,210 142,299,324 225,788,916 124,933,032 877,567,355 142,368,156 1,675,130,876 734,941,859 57,579,378 973,138,152 333,742,018 279,280,069 1,333,036,175 112,754,342 385,919,778 50,088,312 583,449,403 2,222,120,435 199,796,149 49,832,424 812,624,702 522,835,110 167,425,800 397,507,897 48,109,711 27,489,124,880 25,267,004,445

464,312,568 61,451,988 491,490,364 265,288,005 3,440,809,859 463,882,300 407,554,121 94,597,501 46,577,883 1,510,392,908 846,699,930 101,504,363 83,042,193 1,029,860,227 510,521,479 220,922,668 245,124,947 345,865,749 502,009,026 94,075,651 690,229,278 668,312,446 1,073,868,253 401,689,595 242,922,262 520,628,072 70,110,839 146,148,013 206,750,917 123,182,584 881,883,380 137,121,215 1,670,340,314 718,702,162 61,210,335 977,355,026 316,559,229 266,607,147 1,342,944,778 112,408,705 373,759,198 53,593,349 579,171,020 2,171,483,889 189,913,295 50,197,866 787,626,320 485,852,445 171,170,952 407,917,078 47,524,660 27,173,168,352 25,001,684,463

442,509,404 60,785,854 457,952,777 260,613,108 3,289,077,533 440,466,600 386,964,315 95,840,743 47,804,835 1,512,344,797 826,731,797 99,711,949 83,252,411 992,142,970 500,450,668 229,478,687 241,294,613 344,770,449 492,792,684 88,818,046 674,163,220 615,615,103 1,021,217,050 392,002,381 233,577,933 527,502,526 63,970,600 144,091,154 208,222,055 115,514,728 862,305,824 132,795,931 1,597,898,859 720,302,042 51,780,433 921,737,143 315,691,001 260,864,275 1,261,793,586 105,943,332 368,030,419 52,748,012 568,844,118 2,073,832,071 182,156,803 45,671,878 764,555,396 483,363,869 171,794,299 380,017,426 46,381,724 26,258,189,431 24,184,357,360

131,891 16,898 145,465 69,679 1,077,782 135,577 101,193 27,464 16,511 441,189 237,949 30,494 26,211 314,225 152,278 71,408 70,093 93,173 136,036 28,733 204,627 222,445 320,209 128,732 66,871 143,828 18,530 43,958 60,583 39,510 229,310 40,913 393,703 223,001 17,662 307,564 83,918 87,710 391,034 27,635 116,062 15,668 143,074 n/a 57,291 14,353 261,702 152,025 39,830 126,264 12,624 n/a 7,314,885

132,046 15,641 143,144 72,836 1,045,178 135,518 111,005 29,186 17,121 452,245 237,874 31,758 26,108 323,381 155,262 73,794 72,882 98,447 135,068 31,107 209,430 242,114 324,257 141,889 67,931 148,974 19,722 46,096 58,827 42,499 245,129 40,159 428,946 223,569 20,562 317,628 83,491 85,846 404,992 30,409 115,804 17,573 147,272 n/a 57,194 15,651 263,556 147,172 40,962 131,432 13,178 n/a 7,471,865

130,416 15,118 134,150 72,258 1,028,329 128,354 102,851 29,894 18,014 461,804 239,323 31,235 25,773 320,403 153,509 81,016 73,100 99,171 130,238 28,833 214,085 221,533 320,864 141,003 66,962 153,285 18,484 49,056 59,675 40,367 236,400 39,252 424,607 224,742 18,281 310,430 86,823 85,442 395,596 28,761 114,526 17,766 144,903 n/a 55,516 14,320 266,113 147,685 42,375 128,869 12,849 n/a 7,384,359



Table 27C

Collision 2010-2012 Voluntary Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

205.99 236.46 183.93 200.72 204.10 180.34 227.32 201.16 255.52 180.24 198.38 186.52 126.49 192.49 170.06 135.85 168.70 178.76 278.66 160.07 223.99 197.59 280.59 140.53 204.05 175.72 153.95 147.68 191.92 179.65 224.52 169.49 251.04 160.24 151.91 165.74 201.13 148.61 209.40 255.52 164.30 124.27 197.63 n/a 165.12 175.94 181.92 166.98 201.11 137.88 175.25 n/a 193.46

204.93 218.32 177.13 208.15 211.14 181.45 228.00 205.68 259.35 177.74 193.49 182.63 124.09 193.00 165.27 134.17 173.71 184.58 267.31 158.14 227.91 201.55 278.93 146.79 206.01 186.10 161.98 155.20 179.86 179.47 228.28 166.00 253.15 159.15 171.36 168.21 194.06 142.50 213.23 257.95 163.16 136.47 200.21 n/a 161.24 179.94 178.86 157.23 208.77 144.41 176.80 n/a 194.46

197.68 221.31 166.45 206.10 203.07 174.48 218.59 211.30 270.34 177.34 190.17 187.70 126.15 187.35 163.04 140.79 170.71 184.66 263.93 148.97 224.97 190.16 268.88 144.76 200.83 189.38 150.97 154.58 181.85 170.39 225.84 162.02 244.47 160.29 150.30 160.08 195.20 140.67 202.05 244.30 163.68 136.38 198.78 n/a 155.33 164.88 175.97 159.28 213.25 135.70 173.46 n/a 189.76

71.36 64.78 75.34 68.19 58.82 71.98 68.13 70.20 58.76 78.21 62.74 64.49 62.42 70.78 72.63 67.79 69.51 72.56 74.07 64.40 70.76 59.94 75.68 69.24 69.88 69.70 63.84 68.59 65.65 66.68 63.25 64.58 72.99 65.55 70.22 68.50 69.78 73.71 70.49 71.63 68.78 64.89 71.17 63.25 66.23 62.02 71.79 70.34 64.16 69.13 65.91 67.74 68.16

69.47 59.21 69.49 71.54 61.87 71.60 67.90 72.11 60.73 74.17 59.73 62.80 59.71 70.50 70.68 67.85 71.01 74.76 68.71 62.01 72.01 65.22 74.17 73.24 69.96 74.21 67.18 74.02 59.52 66.13 65.32 61.17 74.37 67.76 82.07 70.71 68.05 68.47 71.41 72.67 67.69 73.73 74.55 64.04 62.62 63.39 70.70 65.19 68.14 71.84 66.57 68.21 68.60

66.06 58.75 61.10 71.28 59.19 67.54 64.86 73.66 62.44 69.25 57.26 64.16 57.20 65.29 67.63 70.91 69.05 73.11 65.51 56.93 70.59 65.68 69.21 71.02 66.48 74.70 62.26 73.89 57.95 61.45 65.65 57.20 72.03 68.98 75.07 66.70 68.75 63.32 67.31 68.87 67.47 74.62 74.32 60.18 58.70 57.87 69.11 63.57 70.86 65.77 63.97 65.48 65.98



Table 27D

Collision 2010-2012 Voluntary Business Frequency STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Severity

2012

2011

2010

2012

2011

2010

5.71 5.84 5.19 5.37 6.51 5.19 5.60 5.90 9.02 5.12 5.34 5.38 3.84 5.82 4.91 4.26 4.91 4.87 7.11 4.82 6.65 6.62 8.00 4.63 5.52 5.08 4.16 4.56 5.15 5.68 5.87 4.87 5.90 4.86 4.66 5.24 5.06 4.67 6.14 6.26 4.94 3.89 4.85 n/a 4.73 5.07 5.86 4.86 4.78 4.38 4.60 n/a 5.60

5.83 5.56 5.16 5.71 6.41 5.30 6.21 6.35 9.53 5.32 5.44 5.71 3.90 6.06 5.03 4.48 5.16 5.25 7.19 5.23 6.92 7.30 8.42 5.19 5.76 5.33 4.56 4.90 5.12 6.19 6.35 4.86 6.50 4.95 5.76 5.47 5.12 4.59 6.43 6.98 5.06 4.47 5.09 n/a 4.86 5.61 5.98 4.76 5.00 4.65 4.90 n/a 5.81

5.83 5.50 4.88 5.71 6.35 5.08 5.81 6.59 10.19 5.42 5.50 5.88 3.91 6.05 5.00 4.97 5.17 5.31 6.98 4.84 7.14 6.84 8.45 5.21 5.76 5.50 4.36 5.26 5.21 5.95 6.19 4.79 6.50 5.00 5.31 5.39 5.37 4.61 6.33 6.63 5.09 4.59 5.06 n/a 4.73 5.17 6.12 4.87 5.26 4.60 4.81 n/a 5.79

3,605.10 4,045.74 3,544.10 3,734.66 3,135.12 3,473.36 4,056.92 3,410.58 2,832.50 3,517.34 3,718.29 3,466.75 3,295.23 3,309.03 3,465.55 3,187.59 3,439.11 3,671.48 3,921.89 3,323.02 3,370.66 2,984.02 3,507.05 3,035.94 3,699.23 3,456.75 3,701.90 3,237.17 3,726.94 3,162.06 3,826.99 3,479.78 4,254.81 3,295.69 3,260.07 3,164.02 3,977.00 3,184.13 3,409.00 4,080.13 3,325.12 3,196.85 4,077.96 n/a 3,487.39 3,471.92 3,105.15 3,439.14 4,203.51 3,148.23 3,810.97 n/a 3,454.19

3,516.29 3,928.90 3,433.54 3,642.26 3,292.08 3,423.03 3,671.49 3,241.19 2,720.51 3,339.77 3,559.45 3,196.18 3,180.72 3,184.67 3,288.13 2,993.78 3,363.31 3,513.22 3,716.71 3,024.26 3,295.75 2,760.32 3,311.78 2,831.01 3,576.01 3,494.76 3,554.96 3,170.51 3,514.56 2,898.48 3,597.63 3,414.46 3,894.06 3,214.68 2,976.87 3,077.04 3,791.54 3,105.64 3,315.98 3,696.56 3,227.52 3,049.76 3,932.66 n/a 3,320.51 3,207.33 2,988.46 3,301.26 4,178.77 3,103.64 3,606.36 n/a 3,346.11

3,393.06 4,020.76 3,413.74 3,606.70 3,198.47 3,431.65 3,762.38 3,206.02 2,653.76 3,274.86 3,454.46 3,192.31 3,230.22 3,096.55 3,260.07 2,832.51 3,300.88 3,476.52 3,783.79 3,080.43 3,149.04 2,778.89 3,182.71 2,780.10 3,488.22 3,441.32 3,460.86 2,937.28 3,489.27 2,861.61 3,647.66 3,383.16 3,763.24 3,205.02 2,832.47 2,969.23 3,636.03 3,053.12 3,189.60 3,683.58 3,213.51 2,969.04 3,925.69 n/a 3,281.16 3,189.38 2,873.05 3,272.94 4,054.14 2,948.87 3,609.75 n/a 3,275.08



Table 28A

Collision 2010-2012 Residual Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

0 1,389 0 412 0 0 21,197 267 64,409 170,232 0 84,606 233 131,541 322 1,265 158,774 0 0 3,776 10,496,848 31,870,368 183,471 2,627 370 1,974 1,884 0 0 79,992 6,565,946 690 5,413,807 0 0 0 660 0 90,680 24,227 0 0 0 0 0 7,320 253,575 0 5,548 0 0 55,638,410 55,638,410

0 3,152 0 5,858 0 0 19,528 1,000 65,035 55,571 0 128,537 689 157,633 0 1,808 176,931 0 0 3,953 13,505,310 29,479,660 126,388 191 941 2,371 3,767 0 410 158,698 7,842,175 -316 6,717,179 0 0 0 1,297 0 85,291 17,524 0 0 0 0 0 10,681 234,639 0 3,900 0 0 58,809,801 58,809,801

0 8,750 -1,082 6,458 0 0 24,208 94 87,790 1,508 0 166,209 2,420 148,122 0 618 159,907 0 0 4,259 17,278,614 26,685,436 241,697 118 2,083 2,128 5,597 0 66 230,319 6,799,153 1,234 7,313,729 0 0 0 3,771 0 112,863 22,284 0 0 0 0 0 22,037 248,180 0 919 0 0 59,579,489 59,579,489

0 1 0 1 0 0 19 1 42 216 0 129 0 143 0 4 218 0 0 6 11,274 47,693 149 3 1 4 4 0 0 87 6,705 1 3,965 0 0 0 1 0 77 14 0 0 0 n/a 0 10 144 0 1 0 0 n/a 70,913

0 4 0 2 0 0 17 1 47 63 0 204 2 182 0 6 253 0 0 4 15,977 44,910 88 0 1 3 7 0 1 177 9,179 0 5,406 0 0 0 1 0 78 12 0 0 0 n/a 0 16 161 0 2 0 0 n/a 76,804

0 7 -1 2 0 0 24 0 54 2 0 270 3 173 0 3 224 0 0 2 20,462 41,313 186 0 1 2 11 0 0 253 8,032 0 6,480 0 0 0 3 0 105 20 0 0 0 n/a 0 25 179 0 1 0 0 n/a 77,836



Table 28B

Collision 2010-2012 Residual Business Incurred Losses STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Incurred Claims

2012

2011

2010

2012

2011

2010

0 -2,983 0 0 0 0 0 0 20,341 115,185 0 71,023 0 82,692 0 0 93,414 0 0 5,851 8,852,225 26,117,760 74,294 0 0 4,783 0 0 0 77,151 5,039,232 0 2,826,557 0 0 0 0 0 5,313 20,890 0 0 0 0 0 6,048 123,435 0 0 0 0 43,533,211 43,533,211

0 -50 0 0 0 0 0 -462 25,817 34,381 0 153,389 -3,496 212,797 0 0 46,614 0 0 138 12,553,514 24,570,301 63,718 0 0 0 0 0 0 147,443 6,880,600 0 4,213,925 0 0 0 1,077 0 50,530 28,946 0 0 0 0 0 7,236 247,949 0 5,718 0 0 49,240,085 49,240,085

0 31 0 11,890 0 0 24,873 0 31,070 0 0 225,420 8,606 120,145 156 0 129,384 0 0 0 16,204,195 22,586,147 94,709 4,106 0 -641 3,686 0 0 64,623 5,726,962 0 4,942,179 0 0 0 0 0 38,394 18,013 0 0 0 0 0 11,063 117,597 0 0 0 0 50,362,608 50,362,608

0 -1 0 0 0 0 0 0 9 29 0 13 0 17 0 0 18 0 0 1 2,021 8,119 12 0 0 1 0 0 0 10 919 0 561 0 0 0 0 0 8 -1 0 0 0 n/a 0 1 21 0 0 0 0 n/a 11,758

0 0 0 0 0 0 0 0 9 10 0 16 -1 29 0 0 16 0 0 1 2,801 8,440 8 0 0 0 0 0 0 25 1,298 0 837 0 0 0 1 0 12 6 0 0 0 n/a 0 2 32 0 1 0 0 n/a 13,543

0 0 0 1 0 0 3 0 17 0 0 31 2 19 0 0 19 0 0 0 3,841 7,837 16 1 0 0 1 0 0 20 1,192 0 1,026 0 0 0 0 0 13 8 0 0 0 n/a 0 1 32 0 0 0 0 n/a 14,080



Table 28C

Collision 2010-2012 Residual Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

-2,983.00 0.00 0.00 0.00 484.31 533.26 550.57 578.27 0.00 428.50 975.17 785.19 547.62 498.62 0.00 0.00 1,195.75 0.00 886.79 751.56 0.00 712.88 0.00 69.00 1,492.14 n/a 604.80 857.19 0.00 n/a 613.90

-12.50 0.00 0.00 -462.00 549.30 545.73 751.91 -1,748.00 1,169.21 0.00 184.25 34.50 785.72 547.10 724.07 0.00 0.00 0.00 0.00 833.01 749.60 779.49 1,077.00 647.82 2,412.17 n/a 452.25 1,540.06 2,859.00 n/a 641.11

4.43 0.00 5,945.00 1,036.38 575.37 0.00 834.89 2,868.67 694.48 0.00 577.61 0.00 791.92 546.71 509.19 0.00 -320.50 335.09 255.43 713.02 762.68 0.00 365.66 900.65 n/a 442.52 656.97 0.00 n/a 647.03

-214.76 0.00 0.00 0.00 31.58 67.66 83.95 0.00 62.86 0.00 0.00 58.83 154.95 84.33 81.95 40.49 0.00 0.00 242.30 0.00 96.45 76.75 0.00 52.21 0.00 5.86 86.23 82.62 48.68 0.00 78.24 78.24

-1.59 0.00 0.00 -46.20 39.70 61.87 119.33 -507.40 135.00 0.00 26.35 3.49 92.95 83.35 50.41 0.00 0.00 0.00 0.00 0.00 92.91 87.74 0.00 62.73 83.04 59.24 165.18 67.75 105.67 146.62 83.73 83.73

0.35 0.00 184.11 102.75 0.00 35.39 0.00 135.62 355.62 81.11 0.00 80.91 0.00 93.78 84.64 39.19 3,479.66 0.00 -30.12 65.86 0.00 28.06 84.23 0.00 67.57 0.00 34.02 80.83 50.20 47.38 0.00 84.53 84.53



Table 28D

Collision 2010-2012 Residual Business Frequency STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Severity

2012

2011

2010

2012

2011

2010

-100.00 0.00 0.00 0.00 21.43 13.43 10.08 11.89 0.00 8.26 16.67 17.93 17.02 8.05 0.00 0.00 25.00 0.00 11.49 13.71 0.00 14.15 0.00 10.39 -7.14 n/a 10.00 14.58 0.00 n/a 16.58

0.00 0.00 0.00 0.00 19.15 15.87 7.84 -50.00 15.93 0.00 6.32 25.00 17.53 18.79 9.09 0.00 0.00 0.00 0.00 14.12 14.14 15.48 100.00 15.38 50.00 n/a 12.50 19.88 50.00 n/a 17.63

0.00 0.00 50.00 12.50 31.48 0.00 11.48 66.67 10.98 0.00 8.48 0.00 18.77 18.97 8.60 0.00 0.00 9.09 7.91 14.84 15.83 0.00 12.38 40.00 n/a 4.00 17.88 0.00 n/a 18.09

2,983.00 2,260.11 3,971.90 5,463.31 4,864.24 5,189.67 5,851.00 4,380.12 3,216.87 6,191.17 4,783.00 7,715.10 5,483.39 5,038.43 664.13 -20,890.00 n/a 6,048.00 5,877.86 n/a 3,702.43

2,868.56 3,438.10 9,586.81 3,496.00 7,337.83 2,913.38 138.00 4,481.80 2,911.17 7,964.75 5,897.72 5,300.92 5,034.56 1,077.00 4,210.83 4,824.33 n/a 3,618.00 7,748.41 5,718.00 n/a 3,635.83

11,890.00 8,291.00 1,827.65 7,271.61 4,303.00 6,323.42 6,809.68 4,218.74 2,881.99 5,919.31 4,106.00 3,686.00 3,231.15 4,804.50 4,816.94 2,953.38 2,251.63 n/a 11,063.00 3,674.91 n/a 3,576.89



Table 29A

Collision 2010-2012 Total Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

666,316,656 105,539,443 684,258,578 381,620,083 5,744,454,566 654,217,847 602,609,289 133,438,700 79,659,444 1,984,399,718 1,410,312,976 164,012,117 138,375,952 1,469,064,671 726,587,827 335,766,108 346,961,178 471,466,593 720,299,452 148,257,958 985,171,569 1,139,188,946 1,484,065,007 564,470,789 354,007,358 713,301,467 107,446,537 207,461,395 343,914,110 187,443,971 1,394,132,107 220,455,890 2,300,558,668 1,121,130,392 81,999,402 1,420,637,952 478,291,105 378,876,171 1,891,068,432 157,442,391 561,083,591 77,189,968 819,809,096 3,513,325,862 301,669,934 80,356,680 1,132,196,036 743,288,117 260,949,172 575,053,901 72,989,996 40,636,595,168 37,123,269,306

668,346,610 103,798,351 707,316,040 370,820,118 5,560,933,295 647,898,411 600,255,481 131,190,078 76,758,491 2,036,385,697 1,417,448,676 161,748,054 139,084,884 1,460,967,168 722,289,403 325,617,700 345,379,247 462,658,999 730,612,141 151,724,895 972,076,946 1,054,197,265 1,448,051,113 548,432,766 347,216,240 701,542,469 104,372,252 197,444,933 347,366,793 186,437,338 1,357,897,451 224,172,252 2,252,770,506 1,060,669,531 74,579,634 1,382,122,000 465,195,284 389,397,153 1,880,653,364 154,703,136 552,125,722 72,684,880 776,911,311 3,390,716,334 303,294,104 79,196,567 1,114,265,941 745,336,438 251,225,496 567,787,196 71,390,564 39,895,466,718 36,504,750,384

669,859,566 103,466,160 749,466,881 365,637,097 5,556,346,205 652,202,504 596,623,164 130,107,876 76,649,361 2,183,827,101 1,443,757,595 155,585,043 145,549,414 1,519,818,371 739,936,062 323,606,883 349,622,914 471,582,939 752,224,272 156,030,670 972,290,646 963,983,000 1,475,709,149 551,962,969 351,357,264 706,144,103 102,751,823 194,994,519 359,339,926 188,204,706 1,320,216,207 232,180,439 2,225,830,236 1,044,244,836 68,979,999 1,381,996,397 459,223,374 411,964,567 1,874,769,954 153,849,391 545,486,664 70,688,771 765,429,551 3,446,017,770 310,293,896 78,941,301 1,106,512,345 760,404,931 242,436,216 577,809,405 72,509,908 40,158,424,341 36,712,406,571

2,308,306 289,115 2,802,864 1,296,487 16,555,122 2,611,246 1,806,004 465,649 183,069 8,609,943 4,460,032 566,908 682,821 5,401,798 3,103,113 1,675,550 1,429,173 1,913,594 1,914,570 596,512 3,090,595 3,407,129 4,002,378 2,781,095 1,212,305 2,829,306 445,574 963,592 1,176,453 695,529 3,915,401 839,981 6,676,756 4,586,408 379,025 5,871,552 1,659,310 1,879,220 6,366,136 441,294 2,348,927 403,054 2,952,203 n/a 1,210,004 283,239 4,467,058 3,131,094 832,497 2,882,904 274,525 n/a 130,676,420

2,265,751 281,485 2,774,782 1,274,480 16,296,404 2,556,507 1,787,496 459,922 179,639 8,497,608 4,375,856 555,991 669,194 5,336,248 3,088,950 1,646,618 1,411,374 1,873,813 1,877,976 594,888 3,044,554 3,360,793 3,850,013 2,736,435 1,179,180 2,797,585 432,844 941,675 1,149,528 686,548 3,872,417 826,020 6,603,649 4,515,943 357,202 5,810,390 1,631,267 1,870,943 6,298,208 435,787 2,290,782 392,709 2,892,839 n/a 1,177,834 278,986 4,403,846 3,090,028 819,910 2,824,667 268,803 n/a 128,646,367

2,238,535 274,677 2,751,374 1,264,529 16,196,572 2,524,437 1,770,313 453,569 176,886 8,528,046 4,347,407 531,505 659,936 5,295,739 3,069,477 1,629,934 1,413,680 1,867,073 1,867,150 596,232 3,017,131 3,278,679 3,798,173 2,707,858 1,163,086 2,785,383 423,738 932,152 1,145,046 678,194 3,826,320 819,615 6,542,687 4,493,876 344,513 5,757,998 1,617,290 1,854,451 6,244,993 433,687 2,248,530 386,771 2,861,696 n/a 1,172,706 277,021 4,344,923 3,034,699 805,611 2,800,486 267,389 n/a 127,521,773



Table 29B

Collision 2010-2012 Total Business Incurred Losses STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Incurred Claims

2012

2011

2010

2012

2011

2010

475,480,224 68,361,901 515,542,249 260,227,517 3,378,974,012 470,908,234 410,531,826 93,668,066 46,787,688 1,551,927,338 884,764,099 105,786,227 86,371,314 1,039,862,219 527,726,568 227,619,160 241,151,126 342,082,451 533,518,145 95,486,099 698,579,744 689,897,236 1,123,063,769 390,822,870 247,370,971 497,182,829 68,596,210 142,299,324 225,788,916 125,010,183 882,606,587 142,368,156 1,677,957,433 734,941,859 57,579,378 973,138,152 333,742,018 279,280,069 1,333,041,488 112,775,232 385,919,778 50,088,312 583,449,403 2,222,120,435 199,796,149 49,838,472 812,748,137 522,835,110 167,425,800 397,507,897 48,109,711 27,532,658,091 25,310,537,656

464,312,568 61,451,938 491,490,364 265,288,005 3,440,809,859 463,882,300 407,554,121 94,597,039 46,603,700 1,510,427,289 846,699,930 101,657,752 83,038,697 1,030,073,024 510,521,479 220,922,668 245,171,561 345,865,749 502,009,026 94,075,789 702,782,792 692,882,747 1,073,931,971 401,689,595 242,922,262 520,628,072 70,110,839 146,148,013 206,750,917 123,330,027 888,763,980 137,121,215 1,674,554,239 718,702,162 61,210,335 977,355,026 316,560,306 266,607,147 1,342,995,308 112,437,651 373,759,198 53,593,349 579,171,020 2,171,483,889 189,913,295 50,205,102 787,874,269 485,852,445 171,176,670 407,917,078 47,524,660 27,222,408,437 25,050,924,548

442,509,404 60,785,885 457,952,777 260,624,998 3,289,077,533 440,466,600 386,989,188 95,840,743 47,835,905 1,512,344,797 826,731,797 99,937,369 83,261,017 992,263,115 500,450,824 229,478,687 241,423,997 344,770,449 492,792,684 88,818,046 690,367,415 638,201,250 1,021,311,759 392,006,487 233,577,933 527,501,885 63,974,286 144,091,154 208,222,055 115,579,351 868,032,786 132,795,931 1,602,841,038 720,302,042 51,780,433 921,737,143 315,691,001 260,864,275 1,261,831,980 105,961,345 368,030,419 52,748,012 568,844,118 2,073,832,071 182,156,803 45,682,941 764,672,993 483,363,869 171,794,299 380,017,426 46,381,724 26,308,552,039 24,234,719,968

131,891 16,897 145,465 69,679 1,077,782 135,577 101,193 27,464 16,520 441,218 237,949 30,507 26,211 314,242 152,278 71,408 70,111 93,173 136,036 28,734 206,648 230,564 320,221 128,732 66,871 143,829 18,530 43,958 60,583 39,520 230,229 40,913 394,264 223,001 17,662 307,564 83,918 87,710 391,042 27,634 116,062 15,668 143,074 n/a 57,291 14,354 261,723 152,025 39,830 126,264 12,624 n/a 7,326,643

132,046 15,641 143,144 72,836 1,045,178 135,518 111,005 29,186 17,130 452,255 237,874 31,774 26,107 323,410 155,262 73,794 72,898 98,447 135,068 31,108 212,231 250,554 324,265 141,889 67,931 148,974 19,722 46,096 58,827 42,524 246,427 40,159 429,783 223,569 20,562 317,628 83,492 85,846 405,004 30,415 115,804 17,573 147,272 n/a 57,194 15,653 263,588 147,172 40,963 131,432 13,178 n/a 7,485,408

130,416 15,118 134,150 72,259 1,028,329 128,354 102,854 29,894 18,031 461,804 239,323 31,266 25,775 320,422 153,509 81,016 73,119 99,171 130,238 28,833 217,926 229,370 320,880 141,004 66,962 153,285 18,485 49,056 59,675 40,387 237,592 39,252 425,633 224,742 18,281 310,430 86,823 85,442 395,609 28,769 114,526 17,766 144,903 n/a 55,516 14,321 266,145 147,685 42,375 128,869 12,849 n/a 7,398,439



Table 29C

Collision 2010-2012 Total Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

205.99 236.45 183.93 200.72 204.10 180.34 227.32 201.16 255.57 180.25 198.38 186.60 126.49 192.50 170.06 135.85 168.73 178.76 278.66 160.07 226.03 202.49 280.60 140.53 204.05 175.73 153.95 147.68 191.92 179.73 225.42 169.49 251.31 160.24 151.91 165.74 201.13 148.61 209.40 255.56 164.30 124.27 197.63 n/a 165.12 175.96 181.94 166.98 201.11 137.88 175.25 n/a 193.69

204.93 218.31 177.13 208.15 211.14 181.45 228.00 205.68 259.43 177.75 193.49 182.84 124.09 193.03 165.27 134.17 173.71 184.58 267.31 158.14 230.83 206.17 278.94 146.79 206.01 186.10 161.98 155.20 179.86 179.64 229.51 166.00 253.58 159.15 171.36 168.21 194.06 142.50 213.23 258.01 163.16 136.47 200.21 n/a 161.24 179.96 178.91 157.23 208.77 144.41 176.80 n/a 194.73

197.68 221.30 166.45 206.10 203.07 174.48 218.60 211.30 270.43 177.34 190.17 188.03 126.17 187.37 163.04 140.79 170.78 184.66 263.93 148.97 228.82 194.65 268.90 144.77 200.83 189.38 150.98 154.58 181.85 170.42 226.86 162.02 244.98 160.29 150.30 160.08 195.20 140.67 202.05 244.33 163.68 136.38 198.78 n/a 155.33 164.91 175.99 159.28 213.25 135.70 173.46 n/a 190.04

71.36 64.77 75.34 68.19 58.82 71.98 68.13 70.20 58.73 78.21 62.74 64.50 62.42 70.78 72.63 67.79 69.50 72.56 74.07 64.41 70.91 60.56 75.67 69.24 69.88 69.70 63.84 68.59 65.65 66.69 63.31 64.58 72.94 65.55 70.22 68.50 69.78 73.71 70.49 71.63 68.78 64.89 71.17 63.25 66.23 62.02 71.79 70.34 64.16 69.13 65.91 67.75 68.18

69.47 59.20 69.49 71.54 61.87 71.60 67.90 72.11 60.71 74.17 59.73 62.85 59.70 70.51 70.68 67.85 70.99 74.76 68.71 62.00 72.30 65.73 74.16 73.24 69.96 74.21 67.17 74.02 59.52 66.15 65.45 61.17 74.33 67.76 82.07 70.71 68.05 68.47 71.41 72.68 67.69 73.73 74.55 64.04 62.62 63.39 70.71 65.19 68.14 71.84 66.57 68.23 68.62

66.06 58.75 61.10 71.28 59.19 67.54 64.86 73.66 62.41 69.25 57.26 64.23 57.20 65.29 67.63 70.91 69.05 73.11 65.51 56.92 71.00 66.20 69.21 71.02 66.48 74.70 62.26 73.89 57.95 61.41 65.75 57.20 72.01 68.98 75.07 66.70 68.74 63.32 67.31 68.87 67.47 74.62 74.32 60.18 58.70 57.87 69.11 63.57 70.86 65.77 63.97 65.51 66.01



Table 29D

Collision 2010-2012 Total Business Frequency STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Severity

2012

2011

2010

2012

2011

2010

5.71 5.84 5.19 5.37 6.51 5.19 5.60 5.90 9.02 5.12 5.34 5.38 3.84 5.82 4.91 4.26 4.91 4.87 7.11 4.82 6.69 6.77 8.00 4.63 5.52 5.08 4.16 4.56 5.15 5.68 5.88 4.87 5.91 4.86 4.66 5.24 5.06 4.67 6.14 6.26 4.94 3.89 4.85 n/a 4.73 5.07 5.86 4.86 4.78 4.38 4.60 n/a 5.61

5.83 5.56 5.16 5.71 6.41 5.30 6.21 6.35 9.54 5.32 5.44 5.71 3.90 6.06 5.03 4.48 5.17 5.25 7.19 5.23 6.97 7.46 8.42 5.19 5.76 5.33 4.56 4.90 5.12 6.19 6.36 4.86 6.51 4.95 5.76 5.47 5.12 4.59 6.43 6.98 5.06 4.47 5.09 n/a 4.86 5.61 5.99 4.76 5.00 4.65 4.90 n/a 5.82

5.83 5.50 4.88 5.71 6.35 5.08 5.81 6.59 10.19 5.42 5.50 5.88 3.91 6.05 5.00 4.97 5.17 5.31 6.98 4.84 7.22 7.00 8.45 5.21 5.76 5.50 4.36 5.26 5.21 5.96 6.21 4.79 6.51 5.00 5.31 5.39 5.37 4.61 6.33 6.63 5.09 4.59 5.06 n/a 4.73 5.17 6.13 4.87 5.26 4.60 4.81 n/a 5.80

3,605.10 4,045.80 3,544.10 3,734.66 3,135.12 3,473.36 4,056.92 3,410.58 2,832.18 3,517.37 3,718.29 3,467.61 3,295.23 3,309.11 3,465.55 3,187.59 3,439.56 3,671.48 3,921.89 3,323.10 3,380.53 2,992.22 3,507.15 3,035.94 3,699.23 3,456.76 3,701.90 3,237.17 3,726.94 3,163.21 3,833.60 3,479.78 4,255.92 3,295.69 3,260.07 3,164.02 3,977.00 3,184.13 3,408.95 4,081.03 3,325.12 3,196.85 4,077.96 n/a 3,487.39 3,472.10 3,105.38 3,439.14 4,203.51 3,148.23 3,810.97 n/a 3,454.59

3,516.29 3,928.90 3,433.54 3,642.26 3,292.08 3,423.03 3,671.49 3,241.18 2,720.59 3,339.77 3,559.45 3,199.40 3,180.71 3,185.04 3,288.13 2,993.78 3,363.21 3,513.22 3,716.71 3,024.17 3,311.40 2,765.40 3,311.90 2,831.01 3,576.01 3,494.76 3,554.96 3,170.51 3,514.56 2,900.25 3,606.60 3,414.46 3,896.28 3,214.68 2,976.87 3,077.04 3,791.50 3,105.64 3,316.01 3,696.78 3,227.52 3,049.76 3,932.66 n/a 3,320.51 3,207.38 2,989.04 3,301.26 4,178.81 3,103.64 3,606.36 n/a 3,346.63

3,393.06 4,020.76 3,413.74 3,606.82 3,198.47 3,431.65 3,762.51 3,206.02 2,652.98 3,274.86 3,454.46 3,196.36 3,230.30 3,096.74 3,260.07 2,832.51 3,301.80 3,476.52 3,783.79 3,080.43 3,167.90 2,782.41 3,182.85 2,780.11 3,488.22 3,441.31 3,460.88 2,937.28 3,489.27 2,861.80 3,653.46 3,383.16 3,765.78 3,205.02 2,832.47 2,969.23 3,636.03 3,053.12 3,189.59 3,683.18 3,213.51 2,969.04 3,925.69 n/a 3,281.16 3,189.93 2,873.14 3,272.94 4,054.14 2,948.87 3,609.75 n/a 3,275.65


Comprehensive



—

Comprehensive Comprehensive coverage, also known as “other than collision” or OTC, insures against damages to a vehicle caused by non-collision events such as: • Contact with a bird or animal • Theft, larceny, vandalism, malicious mischief, riot, or civil commotion • Windstorm, hail, water, or flood • Breakage of glass (unless it occurs in a collision) • Fire, explosion, or earthquake • Missiles or falling objects

Comprehensive insurance provides broad coverage that even pays a reasonable amount for substitute transportation, such as a rental car. Coverage may also be extended to damage or theft of rented cars. Some policies provide limited coverage for personal effects in the car when the loss is caused by fire or lightning. Comprehensive coverage is usually sold with a deductible of $50 to $1,000. Physical damage coverages are not required by law; however, when a car is purchased with a loan, the lender will usually require that the borrower purchase collision and comprehensive coverages until the loan is repaid.

Comprehensive State-Specific Information and Technical Notes Voluntary Market Business and Residual Market Business Comprehensive Data Indivisible physical damage coverage (single premium and deductible for both collision and comprehensive coverages) data are included with collision1.data in the case that the data is reported to the statistical agent in this manner. Comprehensive—Calculations Loss Experience Results Texas—Earned exposure and incurred claims data are not available, as indicated by “n/a.”

Loss Development Comprehensive incurred losses are not developed. Except: California—Incurred losses are developed to 27 months.i Texas—Incurred losses are developed to 27 months.

Because the results for pure premium, frequency and severity are calculated using earned exposures and incurred claims, there are no data in these columns for Texas. 1

See Collision, Page 171.




Table 30A

Comprehensive 2010-2012 Voluntary Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

301,615,971 44,507,773 490,397,109 220,146,720 1,718,034,336 367,669,181 230,930,912 48,657,044 40,200,033 835,276,707 640,582,862 58,320,926 70,011,391 534,541,954 331,100,197 273,991,304 292,659,279 241,900,074 370,361,840 57,192,398 419,529,272 439,740,715 588,729,851 480,836,145 214,768,346 421,551,966 86,512,062 179,824,517 121,485,501 67,753,775 430,950,187 135,914,132 986,950,854 504,369,372 88,493,046 605,403,542 297,337,881 157,627,322 769,161,445 50,939,625 364,410,348 86,691,634 346,691,111 2,071,075,533 117,304,625 34,319,537 548,552,951 315,426,431 164,558,566 341,738,065 56,340,190 18,663,086,558 16,592,011,025

286,670,269 43,671,508 510,370,168 208,445,952 1,691,174,725 348,296,117 227,988,888 47,054,243 39,168,669 872,202,617 636,746,926 58,075,849 69,314,529 526,854,879 328,309,110 263,824,952 282,536,400 239,188,646 367,958,277 58,629,882 408,227,560 416,735,745 581,412,940 458,320,722 205,875,142 422,112,544 82,301,243 166,416,706 124,918,254 67,293,765 432,390,635 138,296,488 955,993,330 483,517,068 82,709,538 589,236,251 280,368,202 162,324,778 749,934,125 51,077,284 342,695,528 80,877,536 331,942,679 1,993,694,110 115,338,517 33,737,309 524,264,287 320,632,857 160,362,462 329,290,677 53,618,874 18,252,399,762 16,258,705,652

273,754,797 43,401,200 530,730,546 200,988,962 1,696,851,620 343,347,133 229,229,346 45,941,485 39,804,332 878,454,009 631,769,068 56,486,783 70,638,813 523,253,007 330,455,874 259,422,827 275,737,633 235,541,022 371,960,318 60,433,090 406,400,594 387,033,630 586,491,272 461,349,213 198,438,881 422,298,989 80,096,516 159,598,996 129,716,173 67,195,542 456,716,506 140,159,127 949,920,928 480,845,868 79,752,807 583,744,387 260,455,274 164,441,682 732,341,403 49,806,192 328,763,954 76,621,876 325,324,963 1,942,455,873 114,988,777 33,490,484 501,472,459 326,532,717 153,965,862 333,855,579 52,999,852 18,085,478,241 16,143,022,368

2,388,464 331,832 2,914,730 1,326,317 17,161,640 2,717,369 2,016,425 492,459 188,488 8,906,387 4,671,499 588,447 721,521 5,669,569 3,291,251 1,760,151 1,460,941 2,082,887 1,964,272 656,956 3,235,286 3,594,682 4,450,465 3,048,810 1,244,667 2,902,679 472,909 998,539 1,204,319 736,985 4,095,359 865,859 7,248,083 4,974,329 398,663 6,364,324 1,680,845 2,069,973 6,902,153 466,926 2,506,754 419,826 3,140,054 n/a 1,269,714 311,332 4,715,155 3,379,579 923,155 3,108,368 283,947 n/a 138,325,344

2,341,777 321,380 2,882,008 1,301,995 16,886,761 2,658,189 1,996,046 485,339 184,441 8,785,675 4,578,461 574,671 705,965 5,594,345 3,286,856 1,729,901 1,442,361 2,051,835 1,928,026 662,555 3,179,898 3,552,204 4,289,886 3,006,662 1,211,021 2,870,236 459,417 976,041 1,175,647 729,845 4,050,932 850,610 7,146,011 4,897,880 377,086 6,308,534 1,652,668 2,058,487 6,841,033 462,436 2,449,502 409,221 3,076,651 n/a 1,234,179 308,484 4,641,122 3,330,943 910,574 3,041,240 277,708 n/a 136,174,745

2,307,853 312,924 2,851,536 1,290,586 16,809,309 2,621,583 1,975,030 477,739 181,539 8,814,037 4,540,753 548,392 699,967 5,539,891 3,264,292 1,712,331 1,443,939 2,049,470 1,917,050 665,359 3,143,590 3,475,637 4,218,798 2,976,912 1,194,566 2,858,039 448,935 966,267 1,169,982 722,369 4,009,493 843,866 7,074,868 4,870,912 364,577 6,254,880 1,639,233 2,046,420 6,788,277 460,368 2,397,547 403,094 3,040,309 n/a 1,226,670 306,530 4,581,057 3,295,597 897,052 3,016,173 275,805 n/a 134,991,403



Table 30B

Comprehensive 2010-2012 Voluntary Business Incurred Losses STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Incurred Claims

2012

2011

2010

2012

2011

2010

219,992,795 25,508,291 296,272,845 133,435,589 826,097,357 331,452,555 164,614,201 37,084,967 23,303,446 547,587,349 363,162,926 23,537,078 48,342,365 497,230,595 321,882,323 173,410,838 230,246,470 354,652,262 282,740,689 31,451,393 309,526,721 237,430,548 434,155,459 335,502,868 140,030,684 545,536,250 53,515,478 144,095,709 74,387,806 38,480,734 762,511,131 88,766,402 2,074,216,653 374,912,596 37,891,704 468,162,039 306,966,235 101,065,236 633,399,376 34,654,960 283,364,299 74,445,765 402,405,385 1,491,245,611 78,763,370 22,913,382 417,608,097 182,755,887 116,525,704 245,811,172 34,926,394 15,477,979,989 13,986,734,378

309,176,813 21,971,891 352,061,864 213,411,422 917,328,885 291,984,237 179,302,540 35,169,676 22,918,715 519,128,747 401,995,358 23,160,301 42,523,151 538,925,038 258,220,625 273,791,282 317,302,826 177,571,627 240,261,462 35,947,027 310,716,155 315,376,506 414,192,341 345,448,364 143,366,262 421,343,015 61,006,030 204,214,166 60,981,681 43,915,375 353,328,684 56,488,747 964,164,911 576,017,525 43,897,329 559,042,761 256,237,175 94,920,344 708,108,312 36,775,455 376,881,837 98,150,882 728,573,591 1,226,863,576 80,900,910 26,440,526 407,974,784 171,957,458 110,419,376 276,083,579 97,621,609 14,743,562,753 13,516,699,177

194,453,851 21,384,246 604,780,217 132,391,366 900,110,213 275,004,985 132,650,848 34,626,528 23,948,928 490,084,475 326,565,335 23,067,974 40,842,379 378,746,503 189,069,709 200,208,085 174,769,504 147,250,199 165,055,729 29,785,977 336,756,085 244,337,290 397,495,240 339,987,567 125,565,723 254,946,449 123,108,355 145,661,841 59,538,838 38,813,918 246,863,125 86,591,549 651,675,294 344,885,298 46,682,569 381,220,645 375,225,478 93,005,367 580,278,454 30,064,012 256,142,441 64,426,389 254,116,831 899,924,840 75,133,257 18,797,559 353,339,423 174,642,900 101,778,080 272,181,219 60,790,999 11,918,774,086 11,018,849,246

215,640 45,262 564,932 117,697 685,529 407,685 192,566 47,228 37,581 875,999 444,905 46,874 87,089 334,944 200,106 116,556 136,283 219,959 225,629 41,555 449,365 436,344 466,720 322,403 121,601 285,217 45,106 98,824 102,388 55,649 270,352 88,197 879,440 290,456 32,340 446,504 131,612 151,480 544,664 33,565 382,946 45,505 234,734 n/a 155,257 28,594 609,612 321,506 83,577 174,961 28,464 n/a 12,361,402

237,836 38,512 582,664 142,702 735,289 369,003 220,613 47,181 36,822 860,048 453,309 43,554 90,412 351,832 188,936 152,091 165,780 169,907 226,766 45,673 457,871 531,162 470,303 361,010 127,230 277,680 48,964 118,617 90,756 62,496 242,386 73,953 911,133 389,132 35,621 485,916 126,922 149,462 604,669 35,332 431,534 54,711 304,383 n/a 171,646 30,187 624,783 329,727 86,866 197,498 42,356 n/a 13,033,236

213,930 35,560 640,035 123,508 718,352 350,388 193,125 45,872 37,260 851,008 392,495 40,435 83,902 310,854 154,834 138,942 126,704 156,841 212,031 40,920 453,036 464,347 452,006 353,412 125,067 221,658 65,940 106,887 88,148 57,997 219,145 84,835 790,169 329,617 36,578 413,627 145,173 140,880 531,862 31,150 389,213 51,153 185,314 n/a 159,102 26,506 606,914 315,766 84,316 187,665 36,974 n/a 12,021,453



Table 30C

Comprehensive 2010-2012 Voluntary Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

92.11 76.87 101.65 100.61 48.14 121.98 81.64 75.31 123.63 61.48 77.74 40.00 67.00 87.70 97.80 98.52 157.60 170.27 143.94 47.87 95.67 66.05 97.55 110.04 112.50 187.94 113.16 144.31 61.77 52.21 186.19 102.52 286.17 75.37 95.05 73.56 182.63 48.82 91.77 74.22 113.04 177.33 128.15 n/a 62.03 73.60 88.57 54.08 126.23 79.08 123.00 n/a 101.11

132.03 68.37 122.16 163.91 54.32 109.84 89.83 72.46 124.26 59.09 87.80 40.30 60.23 96.33 78.56 158.27 219.99 86.54 124.62 54.26 97.71 88.78 96.55 114.89 118.38 146.80 132.79 209.23 51.87 60.17 87.22 66.41 134.92 117.61 116.41 88.62 155.04 46.11 103.51 79.53 153.86 239.85 236.81 n/a 65.55 85.71 87.90 51.62 121.26 90.78 351.53 n/a 99.26

84.26 68.34 212.09 102.58 53.55 104.90 67.16 72.48 131.92 55.60 71.92 42.06 58.35 68.37 57.92 116.92 121.04 71.85 86.10 44.77 107.12 70.30 94.22 114.21 105.11 89.20 274.22 150.75 50.89 53.73 61.57 102.61 92.11 70.81 128.05 60.95 228.90 45.45 85.48 65.30 106.84 159.83 83.58 n/a 61.25 61.32 77.13 52.99 113.46 90.24 220.41 n/a 81.63

72.94 57.31 60.41 60.61 48.08 90.15 71.28 76.22 57.97 65.56 56.69 40.36 69.05 93.02 97.22 63.29 78.67 146.61 76.34 54.99 73.78 53.99 73.74 69.77 65.20 129.41 61.86 80.13 61.23 56.79 176.94 65.31 210.16 74.33 42.82 77.33 103.24 64.12 82.35 68.03 77.76 85.87 116.07 72.00 67.14 66.76 76.13 57.94 70.81 71.93 61.99 82.93 84.30

107.85 50.31 68.98 102.38 54.24 83.83 78.65 74.74 58.51 59.52 63.13 39.88 61.35 102.29 78.65 103.78 112.31 74.24 65.30 61.31 76.11 75.68 71.24 75.37 69.64 99.82 74.13 122.71 48.82 65.26 81.72 40.85 100.85 119.13 53.07 94.88 91.39 58.48 94.42 72.00 109.98 121.36 219.49 61.54 70.14 78.37 77.82 53.63 68.86 83.84 182.07 80.78 83.14

71.03 49.27 113.95 65.87 53.05 80.10 57.87 75.37 60.17 55.79 51.69 40.84 57.82 72.38 57.21 77.17 63.38 62.52 44.37 49.29 82.86 63.13 67.78 73.69 63.28 60.37 153.70 91.27 45.90 57.76 54.05 61.78 68.60 71.72 58.53 65.31 144.07 56.56 79.24 60.36 77.91 84.08 78.11 46.33 65.34 56.13 70.46 53.48 66.10 81.53 114.70 65.90 68.26



Table 30D

Comprehensive 2010-2012 Voluntary Business Frequency

Severity

STATE

2012

2011

2010

2012

2011

2010


9.03 13.64 19.38 8.87 3.99 15.00 9.55 9.59 19.94 9.84 9.52 7.97 12.07 5.91 6.08 6.62 9.33 10.56 11.49 6.33 13.89 12.14 10.49 10.57 9.77 9.83 9.54 9.90 8.50 7.55 6.60 10.19 12.13 5.84 8.11 7.02 7.83 7.32 7.89 7.19 15.28 10.84 7.48 n/a 12.23 9.18 12.93 9.51 9.05 5.63 10.02 n/a 8.94

10.16 11.98 20.22 10.96 4.35 13.88 11.05 9.72 19.96 9.79 9.90 7.58 12.81 6.29 5.75 8.79 11.49 8.28 11.76 6.89 14.40 14.95 10.96 12.01 10.51 9.67 10.66 12.15 7.72 8.56 5.98 8.69 12.75 7.94 9.45 7.70 7.68 7.26 8.84 7.64 17.62 13.37 9.89 n/a 13.91 9.79 13.46 9.90 9.54 6.49 15.25 n/a 9.57

9.27 11.36 22.45 9.57 4.27 13.37 9.78 9.60 20.52 9.66 8.64 7.37 11.99 5.61 4.74 8.11 8.77 7.65 11.06 6.15 14.41 13.36 10.71 11.87 10.47 7.76 14.69 11.06 7.53 8.03 5.47 10.05 11.17 6.77 10.03 6.61 8.86 6.88 7.84 6.77 16.23 12.69 6.10 n/a 12.97 8.65 13.25 9.58 9.40 6.22 13.41 n/a 8.91

1,020.19 563.57 524.44 1,133.72 1,205.05 813.01 854.85 785.23 620.09 625.10 816.27 502.14 555.09 1,484.52 1,608.56 1,487.79 1,689.47 1,612.36 1,253.12 756.86 688.81 544.14 930.23 1,040.63 1,151.56 1,912.71 1,186.44 1,458.10 726.53 691.49 2,820.44 1,006.46 2,358.57 1,290.77 1,171.67 1,048.51 2,332.36 667.19 1,162.92 1,032.47 739.96 1,635.99 1,714.30 n/a 507.31 801.34 685.04 568.44 1,394.23 1,404.95 1,227.04 n/a 1,131.48

1,299.96 570.52 604.23 1,495.50 1,247.58 791.28 812.75 745.42 622.42 603.60 886.80 531.76 470.33 1,531.77 1,366.71 1,800.18 1,914.00 1,045.11 1,059.51 787.05 678.61 593.75 880.69 956.89 1,126.83 1,517.37 1,245.94 1,721.63 671.93 702.69 1,457.71 763.85 1,058.20 1,480.26 1,232.34 1,150.49 2,018.86 635.08 1,171.07 1,040.85 873.35 1,793.99 2,393.61 n/a 471.32 875.89 652.99 521.51 1,271.15 1,397.91 2,304.79 n/a 1,037.09

908.96 601.36 944.92 1,071.93 1,253.02 784.86 686.87 754.85 642.75 575.89 832.02 570.50 486.79 1,218.41 1,221.11 1,440.95 1,379.35 938.85 778.45 727.91 743.33 526.20 879.40 962.01 1,003.99 1,150.18 1,866.98 1,362.76 675.44 669.24 1,126.48 1,020.71 824.73 1,046.32 1,276.25 921.65 2,584.68 660.17 1,091.03 965.14 658.10 1,259.48 1,371.28 n/a 472.23 709.18 582.19 553.08 1,207.10 1,450.36 1,644.16 n/a 916.60



Table 31A

Comprehensive 2010-2012 Residual Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

0 422 0 0 0 0 8,669 82 27,147 48,478 0 34,846 97 41,299 99 1,490 97,679 0 221 723 3,410,333 12,112,750 58,552 2,520 221 1,221 1,814 0 0 19,788 1,856,332 345 1,908,782 0 0 0 341 0 47,823 27,535 0 0 0 0 0 4,216 55,269 0 1,388 0 0 19,770,482 19,770,482

0 791 0 1,376 0 0 8,408 283 28,256 15,161 0 56,658 146 49,674 0 2,242 96,847 0 1,544 1,162 4,572,421 11,114,124 37,899 272 524 999 3,990 0 885 43,029 2,835,538 -197 2,485,921 0 0 0 788 0 44,457 12,169 0 0 0 0 0 6,308 56,775 0 1,508 0 0 21,479,958 21,479,958

0 2,189 -371 1,318 0 0 11,675 611 33,962 386 0 74,064 1,028 43,748 0 708 83,823 0 -491 1,135 5,544,998 9,587,033 78,128 973 852 776 5,539 0 20 62,236 2,725,893 771 2,933,100 0 0 0 2,457 0 54,422 25,608 0 0 0 0 0 9,217 56,160 0 739 0 0 21,342,707 21,342,707

0 2 0 0 0 0 19 1 43 226 0 141 0 143 0 4 238 0 0 6 13,405 58,378 154 3 1 4 4 0 0 96 7,158 1 4,540 0 0 0 1 0 82 31 0 0 0 n/a 0 17 180 0 2 0 0 n/a 84,880

0 4 0 2 0 0 17 1 49 65 0 258 1 180 0 6 267 0 1 4 18,720 54,362 90 0 1 3 7 0 1 207 9,687 0 6,064 0 0 0 1 0 84 29 0 0 0 n/a 0 25 206 0 3 0 0 n/a 90,345

0 7 0 2 0 0 25 1 54 2 0 403 3 170 0 3 236 0 0 3 23,382 49,428 201 1 1 2 11 0 0 298 8,470 0 7,138 0 0 0 3 0 111 37 0 0 0 n/a 0 38 210 0 2 0 0 n/a 90,242



Table 31B

Comprehensive 2010-2012 Residual Business Incurred Losses STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Incurred Claims

2012

2011

2010

2012

2011

2010

0 0 0 0 0 0 7,361 0 1,319 2,408 0 2,050 0 18,868 0 0 45,153 0 -231 0 2,859,424 9,785,253 9,592 0 0 0 0 0 0 28,317 1,404,472 0 1,261,705 0 0 0 0 0 12,574 14,997 0 0 0 0 0 0 55,763 0 0 0 0 15,509,025 15,509,025

0 -709 0 0 0 0 388 0 903 1,824 0 17,690 0 58,894 0 1,427 94,616 0 0 0 4,235,518 10,762,236 71,452 0 0 -6,069 0 0 0 1,246 1,977,460 0 1,286,815 0 0 0 0 0 7,282 3,047 0 0 0 0 0 275 34,862 0 0 0 0 18,549,157 18,549,157

0 -857 0 0 0 0 8,118 0 25,266 1,137 116 12,949 0 12,734 0 0 42,129 0 -239 0 5,695,001 9,776,792 82,958 0 0 19,246 1,401 0 0 36,790 1,177,872 0 1,028,877 0 0 0 0 0 46,767 16,982 0 0 0 0 0 0 44,270 0 0 0 0 18,028,309 18,028,309

0 0 0 0 0 0 1 0 2 4 0 2 0 8 0 0 15 0 0 0 905 12,618 4 0 0 0 0 0 0 4 275 0 343 0 0 0 0 0 4 3 0 0 0 n/a 0 0 11 0 0 0 0 n/a 14,199

0 0 0 0 0 0 1 0 1 3 0 6 0 11 0 1 23 0 0 0 1,335 14,336 10 0 0 0 0 0 0 8 391 0 509 0 0 0 0 0 6 1 0 0 0 n/a 0 1 21 0 0 0 0 n/a 16,664

0 0 0 0 0 0 2 0 5 1 0 6 0 8 0 0 19 0 0 0 1,827 13,297 22 0 0 1 1 0 0 15 292 0 461 0 0 0 0 0 10 1 0 0 0 n/a 0 0 25 0 0 0 0 n/a 15,993



Table 31C

Comprehensive 2010-2012 Residual Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

0.00 387.42 0.00 30.67 10.65 14.54 131.94 0.00 189.72 0.00 213.31 167.62 62.29 0.00 0.00 0.00 0.00 294.97 196.21 0.00 277.91 0.00 153.34 483.77 n/a 0.00 309.79 0.00 n/a 182.72

-177.25 0.00 22.82 0.00 18.43 28.06 68.57 0.00 327.19 237.83 354.37 0.00 0.00 226.26 197.97 793.91 0.00 -2,023.00 0.00 0.00 6.02 204.14 212.21 0.00 86.69 105.07 n/a 11.00 169.23 0.00 n/a 205.31

-122.43 0.00 324.72 0.00 467.89 568.50 32.13 0.00 74.91 0.00 178.51 0.00 243.56 197.80 412.73 0.00 0.00 9,623.00 127.36 123.46 139.06 144.14 0.00 421.32 458.97 n/a 0.00 210.81 0.00 n/a 199.78

0.00 84.91 0.00 4.86 4.97 5.88 0.00 45.69 0.00 0.00 46.23 -104.52 0.00 83.85 80.78 16.38 0.00 0.00 0.00 0.00 143.10 75.66 0.00 66.10 0.00 26.29 54.47 0.00 100.89 0.00 78.45 78.45

-89.63 0.00 4.61 0.00 3.20 12.03 31.22 0.00 118.56 63.65 97.70 0.00 0.00 92.63 96.83 188.53 0.00 0.00 -607.51 0.00 0.00 2.90 69.74 0.00 51.76 0.00 16.38 25.04 4.36 61.40 0.00 86.36 86.36

-39.15 0.00 0.00 69.53 0.00 74.39 294.56 17.48 0.00 29.11 0.00 50.26 48.68 0.00 102.71 101.98 106.18 0.00 0.00 2,480.15 25.29 0.00 59.11 43.21 0.00 35.08 0.00 85.93 66.32 0.00 78.83 0.00 84.47 84.47



Table 31D

Comprehensive 2010-2012 Residual Business Frequency

Severity

STATE

2012

2011

2010

2012

2011

2010


0.00 5.26 0.00 4.65 1.77 1.42 5.59 0.00 6.30 0.00 6.75 21.61 2.60 0.00 0.00 0.00 0.00 4.17 3.84 0.00 7.56 0.00 4.88 9.68 n/a 0.00 6.11 0.00 n/a 16.73

0.00 0.00 5.88 0.00 2.04 4.62 2.33 0.00 6.11 16.67 8.61 0.00 0.00 7.13 26.37 11.11 0.00 0.00 0.00 0.00 3.86 4.04 8.39 0.00 7.14 3.45 n/a 4.00 10.19 0.00 n/a 18.44

0.00 0.00 8.00 0.00 9.26 50.00 1.49 0.00 4.71 0.00 8.05 0.00 7.81 26.90 10.95 0.00 0.00 50.00 9.09 5.03 3.45 6.46 0.00 9.01 2.70 n/a 0.00 11.90 0.00 n/a 17.72

7,361.00 659.50 602.00 1,025.00 2,358.50 3,010.20 3,159.58 775.50 2,398.00 7,079.25 5,107.17 3,678.44 3,143.50 4,999.00 n/a 5,069.36 n/a 1,092.26

388.00 903.00 608.00 2,948.33 5,354.00 1,427.00 4,113.74 3,172.67 750.71 7,145.20 155.75 5,057.44 2,528.12 1,213.67 3,047.00 n/a 275.00 1,660.10 n/a 1,113.13

4,059.00 5,053.20 1,137.00 2,158.17 1,591.75 2,217.32 3,117.13 735.26 3,770.82 19,246.00 1,401.00 2,452.67 4,033.81 2,231.84 4,676.70 16,982.00 n/a 1,770.80 n/a 1,127.26



Table 32A

Comprehensive 2010-2012 Total Business Earned Premiums STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Earned Exposures

2012

2011

2010

2012

2011

2010

301,615,971 44,508,195 490,397,109 220,146,720 1,718,034,336 367,669,181 230,939,581 48,657,126 40,227,180 835,325,185 640,582,862 58,355,772 70,011,488 534,583,253 331,100,296 273,992,794 292,756,958 241,900,074 370,362,061 57,193,121 422,939,605 451,853,465 588,788,403 480,838,665 214,768,567 421,553,187 86,513,876 179,824,517 121,485,501 67,773,563 432,806,519 135,914,477 988,859,636 504,369,372 88,493,046 605,403,542 297,338,222 157,627,322 769,209,268 50,967,160 364,410,348 86,691,634 346,691,111 2,071,075,533 117,304,625 34,323,753 548,608,220 315,426,431 164,559,954 341,738,065 56,340,190 18,682,857,040 16,611,781,507

286,670,269 43,672,299 510,370,168 208,447,328 1,691,174,725 348,296,117 227,997,296 47,054,526 39,196,925 872,217,778 636,746,926 58,132,507 69,314,675 526,904,553 328,309,110 263,827,194 282,633,247 239,188,646 367,959,821 58,631,044 412,799,981 427,849,869 581,450,839 458,320,994 205,875,666 422,113,543 82,305,233 166,416,706 124,919,139 67,336,794 435,226,173 138,296,291 958,479,251 483,517,068 82,709,538 589,236,251 280,368,990 162,324,778 749,978,582 51,089,453 342,695,528 80,877,536 331,942,679 1,993,694,110 115,338,517 33,743,617 524,321,062 320,632,857 160,363,970 329,290,677 53,618,874 18,273,879,720 16,280,185,610

273,754,797 43,403,389 530,730,175 200,990,280 1,696,851,620 343,347,133 229,241,021 45,942,096 39,838,294 878,454,395 631,769,068 56,560,847 70,639,841 523,296,755 330,455,874 259,423,535 275,821,456 235,541,022 371,959,827 60,434,225 411,945,592 396,620,663 586,569,400 461,350,186 198,439,733 422,299,765 80,102,055 159,598,996 129,716,193 67,257,778 459,442,399 140,159,898 952,854,028 480,845,868 79,752,807 583,744,387 260,457,731 164,441,682 732,395,825 49,831,800 328,763,954 76,621,876 325,324,963 1,942,455,873 114,988,777 33,499,701 501,528,619 326,532,717 153,966,601 333,855,579 52,999,852 18,106,820,948 16,164,365,075

2,388,464 331,834 2,914,730 1,326,317 17,161,640 2,717,369 2,016,444 492,460 188,531 8,906,613 4,671,499 588,588 721,521 5,669,712 3,291,251 1,760,155 1,461,179 2,082,887 1,964,272 656,962 3,248,691 3,653,060 4,450,619 3,048,813 1,244,668 2,902,683 472,913 998,539 1,204,319 737,081 4,102,517 865,860 7,252,623 4,974,329 398,663 6,364,324 1,680,846 2,069,973 6,902,235 466,957 2,506,754 419,826 3,140,054 n/a 1,269,714 311,349 4,715,335 3,379,579 923,157 3,108,368 283,947 n/a 138,410,224

2,341,777 321,384 2,882,008 1,301,997 16,886,761 2,658,189 1,996,063 485,340 184,490 8,785,740 4,578,461 574,929 705,966 5,594,525 3,286,856 1,729,907 1,442,628 2,051,835 1,928,027 662,559 3,198,618 3,606,566 4,289,976 3,006,662 1,211,022 2,870,239 459,424 976,041 1,175,648 730,052 4,060,619 850,610 7,152,075 4,897,880 377,086 6,308,534 1,652,669 2,058,487 6,841,117 462,465 2,449,502 409,221 3,076,651 n/a 1,234,179 308,509 4,641,328 3,330,943 910,577 3,041,240 277,708 n/a 136,265,090

2,307,853 312,931 2,851,536 1,290,588 16,809,309 2,621,583 1,975,055 477,740 181,593 8,814,039 4,540,753 548,795 699,970 5,540,061 3,264,292 1,712,334 1,444,175 2,049,470 1,917,050 665,362 3,166,972 3,525,065 4,218,999 2,976,913 1,194,567 2,858,041 448,946 966,267 1,169,982 722,667 4,017,963 843,866 7,082,006 4,870,912 364,577 6,254,880 1,639,236 2,046,420 6,788,388 460,405 2,397,547 403,094 3,040,309 n/a 1,226,670 306,568 4,581,267 3,295,597 897,054 3,016,173 275,805 n/a 135,081,645



Table 32B

Comprehensive 2010-2012 Total Business Incurred Losses STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Incurred Claims

2012

2011

2010

2012

2011

2010

219,992,795 25,508,291 296,272,845 133,435,589 826,097,357 331,452,555 164,621,562 37,084,967 23,304,765 547,589,757 363,162,926 23,539,128 48,342,365 497,249,463 321,882,323 173,410,838 230,291,623 354,652,262 282,740,458 31,451,393 312,386,145 247,215,801 434,165,051 335,502,868 140,030,684 545,536,250 53,515,478 144,095,709 74,387,806 38,509,051 763,915,603 88,766,402 2,075,478,358 374,912,596 37,891,704 468,162,039 306,966,235 101,065,236 633,411,950 34,669,957 283,364,299 74,445,765 402,405,385 1,491,245,611 78,763,370 22,913,382 417,663,860 182,755,887 116,525,704 245,811,172 34,926,394 15,493,489,014 14,002,243,403

309,176,813 21,971,182 352,061,864 213,411,422 917,328,885 291,984,237 179,302,928 35,169,676 22,919,618 519,130,571 401,995,358 23,177,991 42,523,151 538,983,932 258,220,625 273,792,709 317,397,442 177,571,627 240,261,462 35,947,027 314,951,673 326,138,742 414,263,793 345,448,364 143,366,262 421,336,946 61,006,030 204,214,166 60,981,681 43,916,621 355,306,144 56,488,747 965,451,726 576,017,525 43,897,329 559,042,761 256,237,175 94,920,344 708,115,594 36,778,502 376,881,837 98,150,882 728,573,591 1,226,863,576 80,900,910 26,440,801 408,009,646 171,957,458 110,419,376 276,083,579 97,621,609 14,762,111,910 13,535,248,334

194,453,851 21,383,389 604,780,217 132,391,366 900,110,213 275,004,985 132,658,966 34,626,528 23,974,194 490,085,612 326,565,451 23,080,923 40,842,379 378,759,237 189,069,709 200,208,085 174,811,633 147,250,199 165,055,490 29,785,977 342,451,086 254,114,082 397,578,198 339,987,567 125,565,723 254,965,695 123,109,756 145,661,841 59,538,838 38,850,708 248,040,997 86,591,549 652,704,171 344,885,298 46,682,569 381,220,645 375,225,478 93,005,367 580,325,221 30,080,994 256,142,441 64,426,389 254,116,831 899,924,840 75,133,257 18,797,559 353,383,693 174,642,900 101,778,080 272,181,219 60,790,999 11,936,802,395 11,036,877,555

215,640 45,262 564,932 117,697 685,529 407,685 192,567 47,228 37,583 876,003 444,905 46,876 87,089 334,952 200,106 116,556 136,298 219,959 225,629 41,555 450,270 448,962 466,724 322,403 121,601 285,217 45,106 98,824 102,388 55,653 270,627 88,197 879,783 290,456 32,340 446,504 131,612 151,480 544,668 33,568 382,946 45,505 234,734 n/a 155,257 28,594 609,623 321,506 83,577 174,961 28,464 n/a 12,375,601

237,836 38,512 582,664 142,702 735,289 369,003 220,614 47,181 36,823 860,051 453,309 43,560 90,412 351,843 188,936 152,092 165,803 169,907 226,766 45,673 459,206 545,498 470,313 361,010 127,230 277,680 48,964 118,617 90,756 62,504 242,777 73,953 911,642 389,132 35,621 485,916 126,922 149,462 604,675 35,333 431,534 54,711 304,383 n/a 171,646 30,188 624,804 329,727 86,866 197,498 42,356 n/a 13,049,900

213,930 35,560 640,035 123,508 718,352 350,388 193,127 45,872 37,265 851,009 392,495 40,441 83,902 310,862 154,834 138,942 126,723 156,841 212,031 40,920 454,863 477,644 452,028 353,412 125,067 221,659 65,941 106,887 88,148 58,012 219,437 84,835 790,630 329,617 36,578 413,627 145,173 140,880 531,872 31,151 389,213 51,153 185,314 n/a 159,102 26,506 606,939 315,766 84,316 187,665 36,974 n/a 12,037,446



Table 32C

Comprehensive 2010-2012 Total Business Pure Premium STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide CW w/o Texas

Loss Ratio

2012

2011

2010

2012

2011

2010

92.11 76.87 101.65 100.61 48.14 121.98 81.64 75.31 123.61 61.48 77.74 39.99 67.00 87.70 97.80 98.52 157.61 170.27 143.94 47.87 96.16 67.67 97.55 110.04 112.50 187.94 113.16 144.31 61.77 52.25 186.21 102.52 286.17 75.37 95.05 73.56 182.63 48.82 91.77 74.25 113.04 177.33 128.15 n/a 62.03 73.59 88.58 54.08 126.23 79.08 123.00 n/a 101.16

132.03 68.36 122.16 163.91 54.32 109.84 89.83 72.46 124.23 59.09 87.80 40.31 60.23 96.34 78.56 158.27 220.01 86.54 124.62 54.25 98.46 90.43 96.57 114.89 118.38 146.80 132.79 209.23 51.87 60.16 87.50 66.41 134.99 117.61 116.41 88.62 155.04 46.11 103.51 79.53 153.86 239.85 236.81 n/a 65.55 85.71 87.91 51.62 121.26 90.78 351.53 n/a 99.33

84.26 68.33 212.09 102.58 53.55 104.90 67.17 72.48 132.02 55.60 71.92 42.06 58.35 68.37 57.92 116.92 121.05 71.85 86.10 44.77 108.13 72.09 94.24 114.21 105.11 89.21 274.22 150.75 50.89 53.76 61.73 102.61 92.16 70.81 128.05 60.95 228.90 45.45 85.49 65.34 106.84 159.83 83.58 n/a 61.25 61.32 77.14 52.99 113.46 90.24 220.41 n/a 81.71

72.94 57.31 60.41 60.61 48.08 90.15 71.28 76.22 57.93 65.55 56.69 40.34 69.05 93.02 97.22 63.29 78.66 146.61 76.34 54.99 73.86 54.71 73.74 69.77 65.20 129.41 61.86 80.13 61.23 56.82 176.50 65.31 209.89 74.33 42.82 77.33 103.24 64.12 82.35 68.02 77.76 85.87 116.07 72.00 67.14 66.76 76.13 57.94 70.81 71.93 61.99 82.93 84.29

107.85 50.31 68.98 102.38 54.24 83.83 78.64 74.74 58.47 59.52 63.13 39.87 61.35 102.29 78.65 103.78 112.30 74.24 65.30 61.31 76.30 76.23 71.25 75.37 69.64 99.82 74.12 122.71 48.82 65.22 81.64 40.85 100.73 119.13 53.07 94.88 91.39 58.48 94.42 71.99 109.98 121.36 219.49 61.54 70.14 78.36 77.82 53.63 68.86 83.84 182.07 80.78 83.14

71.03 49.27 113.95 65.87 53.05 80.10 57.87 75.37 60.18 55.79 51.69 40.81 57.82 72.38 57.21 77.17 63.38 62.52 44.37 49.29 83.13 64.07 67.78 73.69 63.28 60.38 153.69 91.27 45.90 57.76 53.99 61.78 68.50 71.72 58.53 65.31 144.06 56.56 79.24 60.37 77.91 84.08 78.11 46.33 65.34 56.11 70.46 53.48 66.10 81.53 114.70 65.92 68.28



Table 32D

Comprehensive 2010-2012 Total Business Frequency

Severity

STATE

2012

2011

2010

2012

2011

2010


9.03 13.64 19.38 8.87 3.99 15.00 9.55 9.59 19.93 9.84 9.52 7.96 12.07 5.91 6.08 6.62 9.33 10.56 11.49 6.33 13.86 12.29 10.49 10.57 9.77 9.83 9.54 9.90 8.50 7.55 6.60 10.19 12.13 5.84 8.11 7.02 7.83 7.32 7.89 7.19 15.28 10.84 7.48 n/a 12.23 9.18 12.93 9.51 9.05 5.63 10.02 n/a 8.94

10.16 11.98 20.22 10.96 4.35 13.88 11.05 9.72 19.96 9.79 9.90 7.58 12.81 6.29 5.75 8.79 11.49 8.28 11.76 6.89 14.36 15.13 10.96 12.01 10.51 9.67 10.66 12.15 7.72 8.56 5.98 8.69 12.75 7.94 9.45 7.70 7.68 7.26 8.84 7.64 17.62 13.37 9.89 n/a 13.91 9.79 13.46 9.90 9.54 6.49 15.25 n/a 9.58

9.27 11.36 22.45 9.57 4.27 13.37 9.78 9.60 20.52 9.66 8.64 7.37 11.99 5.61 4.74 8.11 8.77 7.65 11.06 6.15 14.36 13.55 10.71 11.87 10.47 7.76 14.69 11.06 7.53 8.03 5.46 10.05 11.16 6.77 10.03 6.61 8.86 6.88 7.84 6.77 16.23 12.69 6.10 n/a 12.97 8.65 13.25 9.58 9.40 6.22 13.41 n/a 8.91

1,020.19 563.57 524.44 1,133.72 1,205.05 813.01 854.88 785.23 620.09 625.10 816.27 502.16 555.09 1,484.54 1,608.56 1,487.79 1,689.62 1,612.36 1,253.12 756.86 693.78 550.64 930.24 1,040.63 1,151.56 1,912.71 1,186.44 1,458.10 726.53 691.95 2,822.76 1,006.46 2,359.08 1,290.77 1,171.67 1,048.51 2,332.36 667.19 1,162.93 1,032.83 739.96 1,635.99 1,714.30 n/a 507.31 801.34 685.12 568.44 1,394.23 1,404.95 1,227.04 n/a 1,131.44

1,299.96 570.50 604.23 1,495.50 1,247.58 791.28 812.75 745.42 622.43 603.60 886.80 532.09 470.33 1,531.89 1,366.71 1,800.18 1,914.30 1,045.11 1,059.51 787.05 685.86 597.87 880.83 956.89 1,126.83 1,517.35 1,245.94 1,721.63 671.93 702.62 1,463.51 763.85 1,059.03 1,480.26 1,232.34 1,150.49 2,018.86 635.08 1,171.07 1,040.91 873.35 1,793.99 2,393.61 n/a 471.32 875.87 653.02 521.51 1,271.15 1,397.91 2,304.79 n/a 1,037.19

908.96 601.33 944.92 1,071.93 1,253.02 784.86 686.90 754.85 643.34 575.89 832.02 570.73 486.79 1,218.42 1,221.11 1,440.95 1,379.48 938.85 778.45 727.91 752.87 532.02 879.54 962.01 1,003.99 1,150.26 1,866.97 1,362.76 675.44 669.70 1,130.35 1,020.71 825.55 1,046.32 1,276.25 921.65 2,584.68 660.17 1,091.10 965.65 658.10 1,259.48 1,371.28 n/a 472.23 709.18 582.24 553.08 1,207.10 1,450.36 1,644.16 n/a 916.88


Traffic Conditions



Traffic Conditions Traffic conditions, such as accident rates and traffic density, are of interest to insurers and persons studying auto insurance. Fatal accident rates are calculated per 100 million vehicle miles traveled and per 1,000 vehicles registered. Traffic density is calculated as the number of vehicle miles traveled per mile of roadway, and as the number of vehicle miles traveled per registered vehicle.

Fatal injury accident data, vehicle miles, roadway miles, and registered vehicle miles were obtained from the Federal Highway Administration, Highway Statistics (2010–2012). Fatal injury accident data are for motor vehicle accidents only.




Table 33

Traffic Conditions 2010-2012 Fatal Accident Rates Per 100 Million Vehicle Miles STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide

Per 1,000 Registered Vehicles

2012

2011

2010

2012

2011

2010

1.33 1.23 1.37 1.65 0.88 1.01 0.75 1.24 0.42 1.27 1.11 1.25 1.13 0.91 0.99 1.16 1.32 1.58 1.54 1.16 0.89 0.62 0.99 0.69 1.51 1.21 1.72 1.10 1.07 0.84 0.79 1.43 0.91 1.23 1.69 1.00 1.48 1.01 1.32 0.82 1.76 1.46 1.42 1.43 0.82 1.07 0.96 0.78 1.76 1.04 1.33 1.13

1.38 1.57 1.38 1.67 0.87 0.96 0.71 1.10 0.76 1.25 1.13 0.99 1.05 0.89 0.98 1.15 1.29 1.50 1.45 0.95 0.86 0.62 0.94 0.65 1.62 1.14 1.79 0.95 1.02 0.71 0.86 1.38 0.92 1.18 1.62 0.91 1.47 0.99 1.30 0.84 1.70 1.23 1.34 1.27 0.92 0.77 0.94 0.80 1.78 1.07 1.46 1.10

1.34 1.17 1.27 1.68 0.84 0.95 1.02 1.13 0.67 1.25 1.11 1.13 1.32 0.88 1.00 1.24 1.44 1.58 1.56 1.11 0.88 0.58 0.97 0.73 1.61 1.16 1.69 0.98 1.22 0.98 0.76 1.37 0.91 1.29 1.27 0.97 1.40 0.94 1.32 0.80 1.65 1.58 1.46 1.28 0.89 0.98 0.90 0.80 1.64 0.96 1.62 1.11

0.18 0.08 0.16 0.23 0.11 0.11 0.09 0.12 0.05 0.16 0.16 0.11 0.12 0.10 0.13 0.11 0.17 0.21 0.19 0.15 0.13 0.07 0.12 0.08 0.29 0.15 0.15 0.12 0.13 0.09 0.08 0.21 0.12 0.17 0.22 0.11 0.21 0.10 0.13 0.08 0.23 0.14 0.19 0.17 0.11 0.13 0.11 0.08 0.24 0.12 0.16 0.14

0.19 0.10 0.17 0.23 0.10 0.11 0.08 0.11 0.09 0.16 0.17 0.09 0.11 0.09 0.13 0.11 0.16 0.20 0.17 0.12 0.13 0.06 0.10 0.08 0.31 0.16 0.18 0.10 0.12 0.08 0.08 0.21 0.12 0.20 0.20 0.10 0.21 0.11 0.13 0.07 0.22 0.12 0.18 0.16 0.13 0.10 0.11 0.08 0.24 0.12 0.18 0.13

0.19 0.08 0.18 0.27 0.09 0.11 0.10 0.13 0.11 0.17 0.16 0.12 0.16 0.09 0.13 0.12 0.18 0.21 0.17 0.15 0.11 0.06 0.10 0.08 0.32 0.16 0.20 0.11 0.19 0.11 0.08 0.21 0.12 0.23 0.14 0.11 0.20 0.10 0.13 0.08 0.22 0.15 0.20 0.17 0.09 0.13 0.12 0.10 0.22 0.12 0.23 0.14

Source: Federal Highway Administration



Table 34

Traffic Conditions 2010-2012 Traffic Density Vehicle Miles Per Highway Mile STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide

Vehicle Miles Per Registered Vehicle

2012

2011

2010

2012

2011

2010

638,035 293,974 921,359 334,810 1,859,111 528,316 1,459,068 1,440,414 2,378,355 1,570,842 856,325 2,275,871 336,439 724,542 811,223 276,099 217,422 596,868 764,590 620,822 1,744,581 1,539,779 774,660 410,483 514,319 519,052 158,670 205,513 626,139 800,593 1,890,043 373,795 1,117,792 989,505 116,078 914,294 424,318 559,767 825,095 1,204,715 740,240 110,418 745,026 759,350 578,067 504,918 1,085,361 676,720 496,996 513,381 326,255 725,387

638,491 275,448 915,235 329,260 1,862,835 527,131 1,454,756 1,419,971 2,377,159 1,575,694 877,839 2,285,217 328,231 740,039 787,971 273,405 213,655 606,682 754,648 622,901 1,739,442 1,509,289 776,127 408,680 517,189 522,448 155,710 203,988 656,622 791,212 1,864,019 373,371 1,114,612 980,195 105,130 908,663 420,747 564,235 828,282 1,218,416 738,370 109,170 740,911 758,810 574,595 499,723 1,087,469 680,111 490,688 472,986 327,219 722,488

631,682 294,321 933,984 334,816 1,875,519 531,278 1,462,990 1,411,928 2,388,974 1,608,477 908,929 2,274,347 323,990 758,233 781,136 274,418 212,577 606,269 740,921 636,352 1,780,287 1,499,731 799,938 409,888 530,644 543,604 149,610 207,552 602,350 812,282 1,860,972 370,370 1,145,568 969,067 95,145 907,817 423,006 570,982 838,270 1,275,847 744,041 107,536 747,703 751,860 589,163 502,021 1,104,770 682,282 497,166 516,864 340,438 729,395

13,785 6,447 11,992 13,945 12,122 10,683 11,921 10,062 11,225 12,719 14,436 8,401 10,324 10,707 13,651 9,486 12,913 13,261 12,271 12,601 14,626 11,592 12,553 11,733 19,105 12,435 8,938 10,501 11,719 10,546 9,794 14,698 12,691 13,821 12,986 11,529 14,453 9,640 9,837 9,506 12,957 9,797 13,620 12,018 13,827 12,522 11,704 10,077 13,724 11,975 12,070 12,108

13,857 6,318 12,083 13,892 11,312 11,206 11,424 10,043 11,411 12,881 14,788 9,008 10,199 10,226 12,902 9,413 12,696 13,115 11,674 12,711 14,852 9,897 10,677 12,140 19,344 13,678 9,947 10,402 11,610 10,607 9,606 14,956 12,665 17,220 12,123 11,396 14,376 11,052 10,023 8,921 13,104 9,724 13,781 12,383 14,376 12,420 11,903 10,063 13,539 11,043 12,039 12,036

13,787 6,754 13,903 16,159 10,410 11,229 10,154 11,198 16,965 13,620 14,506 11,050 11,926 10,496 13,296 9,475 12,273 13,376 11,120 13,806 12,316 10,192 10,507 11,682 19,763 13,751 12,086 10,784 15,510 10,861 11,018 15,706 12,799 17,828 11,232 11,411 14,221 11,073 10,042 10,583 13,419 9,579 13,774 13,611 10,014 12,790 13,364 12,213 13,377 11,961 14,426 12,255



Crime



Crime Vehicle theft rates play a role in determining the cost of comprehensive auto insurance coverage. Countrywide, the vehicle theft rate has decreased going from 2.9 thefts per 1,000 registered vehicles in 2011 to 2.9 thefts per 1,000 registered vehicles in 2012.

Theft data were obtained from the FBI, Uniform Crime Reports (2010–2012). Registered vehicle numbers were obtained from the Federal Highway Administration, Highway Statistics (2010–2012).




Table 35

Crime 2010-2012 Vehicle Thefts Number of Thefts per 1,000 Registered Vehicles STATE

2012

2011

2010

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide

2.10 2.05 3.82 2.38 6.26 2.76 2.46 1.57 11.51 2.48 3.83 3.01 0.86 2.63 2.36 1.21 2.86 1.87 2.06 0.88 3.89 1.91 3.33 1.74 2.14 2.96 1.27 2.26 4.86 0.84 2.17 3.14 1.72 2.12 1.48 2.00 3.49 2.97 1.50 3.20 3.49 1.14 2.48 3.28 3.13 0.75 1.31 4.69 1.58 1.67 0.76 2.94

2.28 1.85 4.02 2.45 5.18 2.66 2.46 1.70 14.25 2.66 4.02 3.74 0.85 2.85 2.50 1.18 2.82 1.82 2.29 0.96 4.24 1.95 2.87 1.75 2.45 3.05 1.24 2.24 4.55 0.81 2.29 3.17 1.91 2.83 1.30 2.14 3.34 3.00 1.70 2.58 3.62 1.02 2.73 3.30 3.39 0.87 1.43 4.39 1.61 1.67 0.68 2.95

2.28 2.28 4.98 2.67 4.92 2.69 2.18 2.41 23.79 2.88 3.93 5.64 1.00 2.86 2.30 1.14 2.47 1.73 2.42 0.94 3.96 2.15 2.95 1.77 2.66 3.11 1.65 2.00 7.48 0.80 2.35 3.25 1.99 3.19 1.17 2.15 3.04 2.92 1.67 3.07 3.60 0.86 2.90 3.96 2.24 0.78 1.72 5.49 1.64 1.64 0.89 3.05

Sources: Federal Bureau of Investigation and Federal Highway Administration



Auto Repair Costs



Auto Repair Costs The average cost of auto repairs influences several automobile coverages. Property damage liability, combined single premium liability and uninsured/ underinsured motorist (which both have a property damage component), collision, and comprehensive

coverages are all affected by the costs associated with repairing a motor vehicle. Average repair cost data were obtained from Automatic Data Processing, Inc., and Audatex, a Solera Company.




Table 3

Auto Repair Costs 2010-2012 Average Repair Cost Per Claim STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide

2012

2011

2010

2,506 2,628 2,243 2,661 2,219 2,488 2,854 2,391 1,644 2,288 2,199 1,868 2,568 2,449 2,481 2,544 2,641 2,406 2,585 2,306 2,044 2,297 2,396 2,396 2,237 2,504 2,695 2,631 2,218 2,127 2,687 2,579 3,099 1,891 2,629 2,298 2,796 2,183 2,467 2,992 1,952 2,996 2,487 2,434 2,381 2,369 1,857 2,231 2,407 2,490 3,302 2,422

2,438 2,601 2,297 2,658 2,210 2,453 2,752 2,349 1,624 2,192 2,225 1,934 2,345 2,425 2,342 2,542 2,574 2,209 2,541 2,279 1,960 2,217 2,362 2,279 2,235 2,350 2,653 2,859 2,128 2,094 2,604 2,291 3,078 1,951 2,448 2,254 2,533 2,120 2,395 2,797 1,968 2,814 2,611 2,300 2,279 2,293 1,866 2,181 2,350 2,410 3,849 2,375

2,407 2,521 2,484 2,614 2,243 2,419 2,709 2,248 1,705 2,238 2,256 1,959 2,374 2,295 2,270 2,336 2,392 2,142 2,542 2,205 1,952 2,135 2,262 2,225 2,262 2,292 3,191 2,381 2,142 2,025 2,590 3,025 2,918 1,876 2,280 2,178 2,686 2,075 2,375 2,881 1,942 2,478 2,298 2,274 2,237 2,316 1,830 2,153 2,307 2,364 2,947 2,336

Source: Automatic Data Processing, Inc. and Audatex, a Solera Company



Economic/Demographic Data



Economic/Demographic Data Population densities and disposable income levels, while not factors directly influencing automobile insurance, are often of interest in studying this market. Higher population density means more people (and their vehicles) in a given space, thus increasing the possibility of accidents or theft. Higher disposable income brings not only the opportunity for newer and higher-priced vehicles, but also the economic need for coverage limits greater than state minimum requirements to protect policyholder assets. These situations will increase insurance costs.

Countrywide population per square mile during the past three years has increased slightly, from 88 persons to 89 persons per square mile. Per capita disposable personal income increased from $37,796 in 2011 to $39,459 in 2012. It is important to remember that these are aggregate averages and are going to vary considerably depending on location. Population and land area data were obtained from the U.S. Bureau of the Census. Personal income data were obtained from the U.S. Bureau of Economic Analysis.




Table

Economic / Demographic Data 2010-2012 Population Densities Persons per Square Mile STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide

2012

2011

2010

95 1 58 57 244 50 741 469 10,384 358 171 216 19 232 182 55 35 110 106 43 602 848 174 68 64 87 7 24 25 147 1,196 17 415 200 10 282 56 41 285 1,005 157 11 157 100 35 68 207 104 77 105 6 89

95 1 57 56 242 49 741 465 10,158 354 169 214 19 231 182 55 35 110 105 43 598 843 174 67 63 87 7 24 25 147 1,191 17 413 198 10 282 55 40 284 1,005 155 11 155 98 34 68 205 103 77 105 6 88

94 1 56 56 239 49 738 460 9,909 349 168 212 19 231 181 55 35 109 104 43 592 836 174 67 63 87 7 24 25 147 1,187 17 411 196 10 282 55 40 284 1,008 154 11 154 96 34 68 203 101 77 105 6 87

Source: U.S. Bureau of the Census


% of Population in Metro Areas, 2010 55.4% 65.6% 88.2% 52.5% 94.4% 84.5% 87.7% 80.1% 100.0% 89.3% 71.6% 91.5% 66.4% 87.8% 70.8% 61.1% 71.4% 55.8% 72.6% 40.2% 86.1% 91.4% 74.7% 70.9% 48.8% 69.4% 54.1% 69.8% 91.5% 59.3% 94.4% 75.0% 87.5% 60.2% 55.9% 77.4% 65.3% 78.7% 77.1% 90.9% 60.5% 51.9% 63.6% 82.5% 88.2% 38.2% 73.0% 82.0% 46.1% 68.3% 65.1% 79.0%


Table

Economic / Demographic Data 2010-2012 Disposable Income Per Capita Disposable Personal Income STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide

2012

2011

2010

32,950 48,086 33,495 33,074 41,704 41,153 53,602 40,069 59,529 37,447 33,560 40,417 31,739 40,557 34,296 39,203 39,339 32,438 36,957 35,791 46,554 49,064 34,679 41,571 30,593 36,012 35,157 41,111 35,834 46,059 48,421 32,685 45,832 34,870 49,423 36,095 37,749 34,657 40,930 41,415 32,331 41,153 36,276 39,554 32,440 40,131 43,705 43,032 32,231 37,968 46,317 39,459

32,068 46,277 32,421 30,876 39,313 39,262 51,002 38,808 58,454 36,888 32,926 38,989 30,594 39,089 32,668 38,069 38,119 31,223 35,278 34,831 45,327 46,679 33,593 39,759 29,571 34,275 33,348 39,683 34,345 43,476 46,788 31,659 43,951 32,886 42,853 34,693 35,402 33,219 39,232 39,582 31,179 40,879 34,550 37,436 31,152 38,580 42,053 40,649 30,941 36,480 44,480 37,796

31,310 44,022 31,470 29,328 37,630 37,568 49,559 37,712 56,060 35,619 31,280 38,090 29,497 37,857 31,224 35,299 35,545 30,000 34,280 33,805 43,990 45,097 32,040 37,892 28,460 33,364 31,667 36,431 33,827 41,467 45,326 30,491 42,563 32,322 39,138 32,842 32,995 32,087 37,735 38,746 30,232 37,442 33,242 35,198 29,788 36,598 40,508 39,371 29,347 35,042 40,697 36,275

Source: Bureau of Economic Analysis


State Laws



State Laws State laws have considerable influence on auto insurance. Each state determines the type of tort law and threshold (if any) that applies in the state, the type and amount of liability insurance required, and the system used for approval of insurer rates and forms. In addition, the states have enacted varying auto seat belt requirements, drunk driving laws, and maximum speed limits. ****** The states employ a variety of rate regulation mechanisms. Options include: 1) determined by Commissioner; 2) prior approval; 3) modified prior approval; 4) flex rating; 5) file and use; 6) use and file; and 7) no file. Form filing laws govern the type of policy form regulation used by the state. Options include prior approval; file and use; use and file; and no file. • •

•

Determined by Commissioner: Rates are set by the state’s insurance commissioner. Prior Approval: Rates/forms must be filed with and approved by the state insurance department before they can be used. Approval can be by means of a deemer provision, which indicates approval if rates/forms are not denied within a specified number of days. Modified Prior Approval: Rate revisions involving change in expense ratio or rate relativity require Prior Approval. Rate revisions based on experience only are subject to “file and use” laws.

•

Flex Rating: Prior approval of rates required only if they exceed a certain percentage above (and sometimes below) the previously filed rates.

•

File and Use: Rates/forms must be filed with the state insurance department prior to their use. Specific approval is not required.

•

Use and File: Rates/forms must be filed with the state insurance department within a specified period after they have been placed in use.

•

No File: Rates/forms are not required to be filed with or approved by the state insurance department. However, the company must maintain records of experience and other information used in developing the rates/forms and make these available to the commissioner upon request.

Arizona: There is a 30-day waiting period for form filings. Arkansas: Regarding form filings, file and use (20 days) competitive market; prior approval (60 day deemer) non-competitive market. Filing method is based on a finding of the existence of a competitive market by the insurance commissioner. California: Regarding form filings, prior approval (60 day deemer); Rate changes shall be deemed approved 180 days after they are received unless they are disapproved after a hearing, or extraordinary circumstances exist. Forms with rating impact must be filed under the prior approval laws. Colorado: Regarding form filings, must be certified by insurers, not filed. Georgia: Regarding rate filings, prior approval for statutory coverages only; all other coverages will be file and use. Regarding form filings, prior approval (45 day deemer with options to extend by 100 days). Hawaii: Regarding form filings, prior approval (30 day wait period) Commissioner may require insurers to submit new filings for any type of coverage when the commissioner has actuarially sound information that the rates are excessive, inadequate or unfairly discriminatory.


Kansas: Regarding form filing, there is a 30 day waiting period before the form can be put into effect. Kentucky: Regarding rate filing, use and file unless the change is greater than +/- 25%, which triggers prior approval.

Approval (30 day deemer can be extending 30 days) in a non-competitive market. New Jersey: May file rate changes within range of 3% of prior rate and get approval decision within 30 days; within 7%, approval decision within 45 days.

Louisiana: Regarding rate filings, prior approval with a 45 day deemer. Regarding form filings prior approval with a 45 day deemer.

New Mexico: Regarding rate filings, file and use effective Oct. 1, 2009. Must file 30 days before effective date; 60 day deemer. No file in competitive markets.

Maine: Regarding rate filing, statute contains a deemer but does not specifically require prior approval. Regarding form filing, Statute contains a deemer provision.

New York: Regarding rate filings, Prior Approval unless filing is +/- 5% at which point flex rating applies.

Massachusetts: Regarding rate filing, companies must adhere to the Commissioner's managed competition and transition rules. Regarding form filing, companies must adhere to the Commissioner’s managed competition and transition rules. Generally file and use. Michigan: Regarding rate filings, group-rated programs are prior approval; Section 2129 exemption insurer rate filings are prior approval unless alternate file and use requested. Pursuant to Bulletin 2009-11, on and after July 1, 2009, all new and revised personal automobile forms must be filed for approval. Regarding form filings, all new and revised personal automobile forms must be filed for approval. Minnesota Regarding form filings, refer to Bulletin 2005-2 expedited review for auto filings. This bulletin added forms and rules if company completes the certification in the bulletin. Missouri: Regarding form filings, the department of insurance can disapprove forms within 60 days. Montana: Regarding rate filings, rates must be filed prior to use with supporting data. Regarding form filings, see MCA § 33-1-501. Nebraska: Since 2006, file and use New Hampshire: Regarding rate filings, file and use (30 days) in a competitive market. Prior

North Dakota: Regarding rate filing, A rate/rule filing of less than 5% for personal auto policy may be use-and-file once per calendar year per company. Otherwise, the filing must meet the prior approval standard; see N.D.C.C. § 26.1-25-04 Oklahoma: With regard to rate filings, from 2005 to present, this is under jurisdiction of the commissioner. Regarding form filings, they are under the jurisdiction of the commissioner; the file and use self-certification option is available and under the jurisdiction of the commissioner. Rhode Island: Regarding rate filings, flex rating is allowed for rate revision within +/-5%. South Carolina: Regarding rate filings, filings under 7% are File and Use, over 7% are Prior Approval. Regarding form filings, prior approval (60 day deemer) Tennessee: Regarding rate filings, see TCA § 56-5302 (2011). Regarding form filings, prior approval (30 day deemer plus 30 day extension). Texas: Regarding form filings, policy forms are regulated under Chapter 2301 (Art. 5.145 & Sect. 8, Art. 5.13-2, TX INS CODE). Insurers may file policy forms subject to Prior Approval. Vermont: Regarding rate filings, Vermont is an open competition state. Rates must be filed and can be disapproved for lack of supporting information.


Virginia: Regarding form filings, the Bureau of Insurance is authorized to establish standard forms that insurers must use. Approval of coverage broadenings for individual insurers is also permitted. Wyoming: Regarding rate filings, rating laws are no file for competitive market and prior approval (30 day deemer) non-competitive market. Competitive market is assumed to exist unless designated as noncompetitive or by finding of non-competitiveness. ****** Tort insurance laws determine how liability is assigned in an accident. Options include: 1) tort; 2) no-fault; and 3) add-on. Due to the uniqueness of each state’s laws, it cannot be assumed that two states placed within the same general category have comparable systems. •

Tort: Third-party benefits with no tort limitation.

•

No-fault: Compulsory first-party benefits with general tort limitation. There are usually exceptions to tort limitations for certain situations specifically delineated in a particular state’s laws.

•

Add-on: First-party benefits, either compulsory or optional, with no tort limitation in general. There may be some tort limitations for certain situations specifically delineated in a particular state’s laws.

Tort threshold types indicate the type of threshold that must be reached before a person may sue for damages resulting from an accident. Options include: 1) none; 2) dollar amount; 3) verbal; and 4) choice. • None: There is no limitation on the ability to sue. •

Dollar Amount: Damages must exceed a given dollar amount (listed in the table) before a person may sue for damages.

•

Verbal: Damages must exceed a statutory level of seriousness (e.g., broken bone) before a person may sue for damages.

•

Choice: Consumers may choose whether to accept limits on their ability to sue.

Hawaii: Tort liability is not abolished in the event of death or serious bodily injury or disfigurement.

As of 2012, tort threshold changed from $5,000 or verbal to $5,000.

Kentucky: The restrictions on one’s tort rights can be rejected in writing. The writing must be filed with the insurance department and is valid until revoked. [This provision has been in place since 1975.] New Jersey: The basic policy is verbal. ****** All of the states require a demonstration of financial responsibility in order to operate a vehicle. Most of the states require this to be in the form of liability insurance purchased from an insurer. The required limits vary by state, and are represented in the form ##/##/##, where the first two numbers refer to bodily injury liability limits, and the third number refers to property damage liability limits. For example, 10/20/5 means coverage up to $20,000 for all persons injured in an accident, subject to a limit of $10,000 for any one individual; and $5,000 coverage for property damage. California: Financial responsibility law requires 15/30/5 limits; however 10/20/3 is available for those eligible for the Low Cost Automobile Insurance Program. Florida: For property damage only. 100/300/50 is compulsory if guilty of driving under the influence, as of Oct. 1, 2007. Maine: $2,000 medical payments required after 2007.


Nevada: Self-insurers may post bonds in lieu of purchasing insurance. However, only persons registering 10 or more vehicles may qualify as selfinsurers (NRS 485.380). New Jersey: The minimum limits for New Jersey are 15/30/5 liability and uninsured motorist/ underinsured motorist coverage and $250,000 personal injury protection coverage (with lower limits available). A basic policy was introduced March 22, 1999, whereby the insured can purchase $15,000 of PIP benefits (with $250,000 available for catastrophic injury) and $5,000 property damage. Bodily injury coverage of $10,000 is optional. Uninsured motorist coverage is not available under the basic policy. Effective Oct. 1, 2003, a Special Auto Insurance Policy (SAIP) was offered to individuals who are eligible for and enrolled in the federal Medicaid program, which provides only emergency PIP coverage of $250,000 per person, per accident. Liability coverage and uninsured motorist/ underinsured motorist coverages are not available. Ohio: Minimum. limits apply to mandatory financial responsibility, which can be satisfied through means other than insurance. Policies issued or renewed prior to December 22, 2013 at the current lower limits, continue to constitute proof of financial responsibility for the remainder of the term of that policy. Minimum limits changed from 12.5/25/7.5 to 25/50/25.

fault laws require PIP, and the states with tort laws require medical payments coverage. Florida: Suspended Oct. 1, 2007, through Jan. 1, 2008. Now reinstated. Maryland: Can waive for self and family members over 16 years of age. Massachusetts: Insured can choose to have a deductible of up to $8000 for him/herself and family members; this would, in effect, eliminate the $8,000 PIP coverage. Minnesota: PIP requirement includes $20,000 for medical and $20,000 for non-medical. Uninsured motorist (UM) coverage is also required, with 25/50 limits. New Jersey: PIP option of $250,000 is the standard coverage, with lower limits available. Under the basic policy, only $15,000 of PIP limit is available (with $250,000 PIP coverage for catastrophic injury). Effective Oct. 1, 2003, a Special Auto Insurance Policy (SAIP) became available for individuals enrolled in the federal Medicaid program, providing only emergency PIP coverage of $250,000. North Carolina: Rejection of UM coverage no longer allowed per 2009 Session Law; Senate Bill 749.

Oregon: Change from 25/50/10 to 25/50/20, which applies to motor vehicle insurance policies issued or renewed on or after Jan. 1, 2010. For prior conviction of driving under the influence of intoxicants, the requirements are 50/100/10.

Oregon: There is a $15,000 minimum for PIP.

Texas: Effective April 1, 2008--SB502, 80(R), Texas Legislative Session, Chapter 601, Texas Transportation Code (601.072); Effective 1-1-2011, the minimum liability limits will increase to 30/60/25 (SB502, 80(R), Texas Legislative Session)

Wisconsin: UM is compulsory effective as of 6/1/2010.

Due to the different tort laws in each state, some of the states may require consumers to purchase PIP coverage, while others may require medical payments coverage. In general, the states with no-

Pennsylvania: Pennsylvania has a mandatory firstparty medical benefit law. It is similar to PIP, but is titled Medical Benefits.

Texas: Change from 20/40/25 to 25/50/25 April 1, 2008, and to 30/60/25 Jan. 1, 2011. Minimum limits apply to mandatory financial responsibility, which can be satisfied through means other than insurance.


*****

Nearly all of the states have mandatory seat belt laws. Some are primary in nature, which allow a law enforcement official to stop a vehicle and issue a ticket based solely on lack of proper seat belt usage. Others are secondary, in which case a vehicle must be pulled over for some other cause, but the officer may then ticket an individual for seat belt violations. Please refer to Table 44 for laws in each specific state. Arkansas: Seatbelt enforcement became primary in March 2009. Colorado: As of August 1, 2010, children younger than 1 year and less than 20 pounds must be in a rear-facing infant seat; children 1 through 3 years and 20-40 pounds must be in a child safety seat; children 4 through 7 years must be in a booster seat. Primary for children under 6; Secondary for all others. Florida: Children under 6 must be protected by an approved child restraint device. Children 6-18 must be restrained by a safety belt. Seatbelt enforcement became primary 6/30/09. Illinois: Public Act 97-0016 (House Bill 219) effective 1/1/12 requires rear seat passengers to wear seat belts as well as front seat passengers. Kansas: Seatbelt enforcement became primary effective 7/1/2010. Michigan: The law requires passengers 8-15 to wear seatbelts in all seating positions; drivers and front seat passengers to wear seatbelts. Michigan's child passenger safety law requires children younger than age 4 to ride in a car seat in the rear seat if the vehicle has a rear seat. If all available rear seats are occupied by children under 4, then a child under 4 may ride in a car seat in the front seat. A child in a rear-facing car seat may only ride in the front seat if the airbag is turned off. Children to be properly buckled in a car seat or booster seat until they are 8 years old or 4-feet-9-inches tall. Children must ride in a seat until they reach the age requirement or the height requirement, whichever comes first.

Mississippi: Seatbelt enforcement is primary for front seat passenger and/or child under the age of 7. Montana: Seatbelt enforcement is primary for children under 6; Secondary for all others New Jersey: Seatbelt enforcement is primary for front seat & passengers under 18; secondary for backseat. North Dakota: Seatbelt enforcement is primary for minors and secondary for adults. South Dakota: Seatbelt enforcement is primary for children 17 and younger. Utah: Seatbelt enforcement is primary for ages 16– 19 and secondary for those 19 and older. ****** The BAC threshold is the percentage level of a person’s blood alcohol content (BAC) at which a person is considered to be legally intoxicated with respect to motor vehicle use. The states have also enacted a variety of penalties in an attempt to reduce drunk driving. These may include anything from increasing the length of license suspension to impounding automobiles. If a state has administrative license suspension, then the law defines the BAC as being intoxicated. If, when stopped out on the road, a driver’s BAC exceeds the state-mandated threshold, the officer can suspend the driver’s license immediately. The driver is still entitled to a hearing, and the license suspension is subject to the ruling at the hearing. California: 0.05 BAC for persons under age 21. D.C.: Commercial drivers BAC .04 Louisiana: An administrative license suspension applies as of 2009. The BAC threshold is 0.08 for all drivers, 0.02 for drivers under 21 and 0.04 for commercial vehicle drivers. Massachusetts: There are some exceptions to license suspension for first-time offenders.


Montana: A probationary license may be available to those with license suspension. New Jersey: Administrative license suspension with BAC greater than 0.08% but less than 0.10% is three months. Administrative license suspension with BAC greater than 0.10% is seven months to one year. South Carolina: Section 56-5-2951. (A) The Department of Motor Vehicles must suspend the driver’s license, permit, or nonresident operating privilege of or deny the issuance of a license or permit to a person who drives a motor vehicle and refuses to submit to a test provided for in Section 56-5-2950 or has an alcohol concentration of fifteen one-hundredths of one percent or more. The arresting officer must issue a notice of suspension which is effective beginning on the date of the alleged violation of Section 56-5-2930, 56-5-2933, or 56-5-2945. ****** Alaska: By regulation, the maximum speed limit is 55 mph. This can be altered by the state or municipality when circumstances suggest a different reasonably safe speed. Some highways are marked at 65 mph.

Pennsylvania: The speed limit is 70 effective the summer of 2014. South Dakota: 75 mph is the speed limit on interstates only. Texas: The speed limit is 75 mph on some roads and 80 mph on I-10 and I-20 through most of West Texas (Chapter 545, Texas Transportation Code). Effective Sept. 1, 2011, the reduced nighttime speed limit on all truck-specific speed limits were repealed. ****** The following information was obtained from the state insurance departments: rate filing laws; form filings laws; state liability law types; tort thresholds; compulsory liability insurance; liability limits; compulsory personal injury protection; compulsory uninsured motorist liability; automobile seat belt laws; administrative license suspensions of drunk drivers; blood alcohol concentration legal limits; and maximum speed limits.

California: Speed limit is 70 mph only if posted (if no limit is posted, then 65 mph on multi-lane highways and 55 mph otherwise). Indiana: Speed limit is 65 for trucks. New Jersey: Maximum speed limits listed are those allowed by law on highways in the state. However, the posted limit is the maximum on any given highway. Kansas: 75 mph is the speed limit on rural segments of freeway and on the turnpike unless marked otherwise. Ohio: The speed limit is 70 mph on certain rural areas of the interstate. This law became effective in July 2014.



Table 39A

State Laws Rate Filing Laws, Current Rate Filings Laws for Private Passenger Auto Insurance STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia

Current Law Prior Approval File and Use/Flex Use and File File and Use Prior Approval File and Use Prior Approval

Prior Approval

Georgia

Prior Approval*

Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts

Prior Approval Use and File Use and File File and Use Use and File Flex Rating Flex Rating* Prior Approval* File and Use* File and Use File and Use* File and Use*

Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina

File and Use Prior Approval Use and File File and Use* File and Use Prior Approval File and Use Prior Approval* File and Use* Prior Approval* Prior Approval

North Dakota

Prior Approval*

Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah

Prior Approval for PPA assigned risk plans; Effective 11/2/2005

Prior approval for BI and UM. File and Use for PD. Compr. and Collision. Flex Rating +/6% and not more than a 15% increase in any individual territory; eff. July 1, 2006

File and Use File and Use

Florida

Michigan

Notes

File and Use Use and File* File and Use Prior Approval Modified File and Use* Flex Rating* File and Use Prior Approval/Flex* File and Use Use and File

Vermont

Use and File*

Virginia Washington West Virginia Wisconsin Wyoming

File and Use Prior Approval Prior Approval Use and File No File*

Companies may Use & File at the risk of having to refund any excessive charge. Actual text of the Law says "File and Use." Prior Approval for statutory coverages only; all other coverages will be file and use

Effective 7/1/2008 Use and File unless the change is greater than +/-25%, which triggers Prior Approval. 46 Day Deemer

Statute contains a deemer provision, but does not specifically require approval Companies may file group marketing plan deviations Group-rated program Rules/Rates are Prior Approval; Sect. 2129 exemption insurer rules/rates are Prior Approval unless alternate File and Use requested. rules if company completes the certification in the bulletin.

Rates must be filed prior to use with supporting data.

Prior Approval for non-competitive market Effective 10/01/2007 Flex Rating +/- 5% A Use & file filing for which the average rate is less than +/- 5% is allowed once per calendar year; all other rate filings are prior approval. Under the jurisdiction of the Oklahoma Insurance Commissioner.

Flex Rating is allowed for rate revision within +/-5%. Filings under 7% are File and Use, over 7% are Prior Approval. TCA § 56-5-302 (2011)

Open competition state. Rates must be filed and can be disapproved for lack of supporting information.

Must be produced upon commissioner's request.

*See Narrative Source: State Insurance Departments



Table 39B

State Laws Rate Filing Laws, 2010-2012 and Current Rate Filings Laws for Private Passenger Auto Insurance STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Current Prior Approval File and Use/Flex Use and File File and Use Prior Approval File and Use Prior Approval File and Use File and Use Prior Approval Prior Approval Prior Approval Use and File Use and File File and Use Use and File Flex Rating Flex Rating Prior Approval File and Use File and Use File and Use File and Use File and Use Prior Approval Use and File File and Use File and Use Prior Approval File and Use Prior Approval File and Use Prior Approval Prior Approval Prior Approval File and Use Use and File File and Use Prior Approval Modified File and Use Flex Rating File and Use Prior Approval/Flex File and Use Use and File Use and File File and Use Prior Approval Prior Approval Use and File No File

2012

2011

2010

Modified Prior Approval Modified Prior Approval Modified Prior Approval File and Use/Flex File and Use/Flex File and Use/Flex Use and File Use and File Use and File File and Use File and Use File and Use Prior Approval Prior Approval Prior Approval File and Use File and Use File and Use Prior Approval Prior Approval Prior Approval File and Use File and Use File and Use File and Use File and Use File and Use Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Use and File Use and File Use and File Use and File Use and File Use and File File and Use File and Use File and Use Use and File Use and File Use and File Flex Rating Flex Rating Flex Rating Flex Rating Flex Rating Flex Rating Prior Approval Prior Approval Prior Approval File and Use File and Use File and Use File and Use File and Use File and Use File and Use File and Use File and Use File and Use File and Use File and Use File and Use File and Use File and Use Prior Approval Prior Approval Prior Approval Use and File Use and File Use and File File and Use File and Use File and Use File and Use File and Use File and Use Prior Approval Prior Approval Prior Approval File and Use File and Use File and Use Prior Approval Prior Approval Prior Approval File and Use File and Use File and Use Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval File and Use File and Use File and Use Use and File Use and File Use and File File and Use File and Use File and Use Prior Approval Prior Approval Prior Approval Modified File and Use Modified File and Use Modified File and Use Flex Rating Flex Rating Flex Rating File and Use File and Use File and Use Prior Approval/Flex Prior Approval/Flex Prior Approval/Flex File and Use File and Use File and Use Use and File Use and File Use and File Use and File Use and File Use and File File and Use File and Use File and Use Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Use and File Use and File Use and File No File No File No File

Source: State Insurance Departments



Table 40A

State Laws Form Filing Laws, Current Form Filings Laws for Private Passenger Auto Insurance STATE

Current Law

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio

Prior Approval

Oklahoma

Notes

Prior Approval/File and Use

File and Use* Prior Approval* Prior Approval* No File* File and Use File and Use Prior Approval Prior Approval Prior Approval Prior Approval* File and Use File and Use File and Use Prior Approval File and Use* Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval* Prior Approval Use and File* Prior Approval File and Use Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval File and Use Prior Approval; File And Use

Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee

Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval

Texas

Prior Approval*

Utah Vermont

File and Use Prior Approval

Virginia

Prior Approval

Washington West Virginia Wisconsin Wyoming * See Narrative

Prior Approval Prior Approval File and Use Prior Approval

Effective 11/2/2005 Thirty day waiting period. Forms with rating impact must be filed under the prior approval laws. Must be certified by insurers, not filed.

*There is a 30 day waiting period before the form can be put into effect.

Statute contains a deemer provision. Generally file and use; All new and revised personal automobile forms must be filed for approval. Prior Approval - see Bulletin 2005-2 for expedited review Department can disapprove forms within 60 days. MCA § 33-1-501

Under the jurisdiction of the Oklahoma Insurance Commissioner. File and Use selfcertification option is available and is under the jurisdiction of the Oklahoma Insurance Commissioner.

Policy forms are regulated under Chapter 2301 (Art. 5.145 & Sect. 8, Art. 5.13-2, TX INS CODE). Insurers may file policy forms subject to Prior Approval.

The Bureau of Insurance is authorized to establish standard forms which insurers must use. Approval of coverage broadenings for individual insurers is also permitted.



Effective July 1, 2008.


Table 40B

State Laws Form Filing Laws, 2010-2012 and Current Form Filings Laws for Private Passenger Auto Insurance STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana MIchigan Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin

Current Prior Approval Prior Approval/File and Use

File and Use Prior Approval Prior Approval No File File and Use File and Use Prior Approval Prior Approval Prior Approval Prior Approval File and Use File and Use File and Use Prior Approval File and Use Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Use and File Prior Approval File and Use Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval File and Use Prior Approval; File And Use

Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval File and Use Prior Approval Prior Approval Prior Approval Prior Approval File and Use

2012

2011

2010

Prior Approval

Prior Approval

Prior Approval




File and Use Prior Approval Prior Approval No File File and Use File and Use Prior Approval Prior Approval Prior Approval Prior Approval File and Use File and Use File and Use Prior Approval File and Use Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Use and File Prior Approval File and Use Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval File and Use



Prior Approval; File And Use









Table 41

State Laws Tort Laws and Thresholds, 2010-2012 State Law Type STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Tort Threshold

2012

2011

2010

2012

Tort Tort Tort Add-on Tort Tort Tort No-fault No-fault No-fault* Tort No-fault* Tort Tort Tort Tort No-fault No-fault* Tort Tort Add-on No-fault No-Fault No-fault Tort Tort Tort Tort Tort Tort No-fault Tort No-fault Tort No-fault Tort Tort Tort No-fault Tort Tort Add-on Tort Tort No-fault Tort Add-on Add-on Tort Add-on Tort

Tort Tort Tort Add-on Tort Tort Tort No-fault No-fault No-fault* Tort No-fault* Tort Tort Tort Tort No-fault No-fault* Tort Tort Add-on No-fault No-Fault No-fault Tort Tort Tort Tort Tort Tort No-fault Tort No-fault Tort No-fault Tort Tort Tort No-fault Tort Tort Add-on Tort Tort No-fault Tort Add-on Add-on Tort Add-on Tort

Tort Tort Tort Add-on Tort Tort Tort No-fault No-fault No-fault* Tort No-fault* Tort Tort Tort Tort No-fault No-fault* Tort Tort Add-on No-fault No-fault No-fault Tort Tort Tort Tort Tort Tort No-fault Tort No-fault Tort No-fault Tort Tort Tort No-fault Tort Tort Add-on Tort Tort No-fault Tort Add-on Add-on Tort Add-on Tort

None None None 5,000 None None None None Choice or Verbal Verbal None 5,000* None None None None 2,000 $1,000 or Verbal None None* None 2,000 Verbal $4,000 or Verbal None None None None None None Choice or Verbal* None Verbal None $2,500 or Verbal None* None None* Choice None None None None None 3,000 None None None None None None

2011

2010

None None None None None None 5,000 5,000 None None None None None None None None Choice or Verbal Choice or Verbal Verbal Verbal None None $5,000 or Verbal $5,000 or Verbal None None None None None None None None 2,000 2,000 $1,000 or Verbal $1,000 or Verbal None None None* None* None None 2,000 2,000 Verbal Verbal $4,000 or Verbal $4,000 or Verbal None None None None None None None None None None None None Choice or Verbal* Choice or Verbal* None None Verbal Verbal None None $2,500 or Verbal $2,500 or Verbal None* None* None None None* None* Choice Choice None None None None None None None None None None 3,000 3,000 None None None None None None None None None None None None

* See Narrative Source: State Insurance Departments



Table 42

State Laws Liability Insurance Laws, 2010-2012 Compulsory Liability Insurance STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

2012 Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes* Yes Yes No Yes No No Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes Yes Yes* No Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes No No Yes Yes No Yes Yes Yes Yes

2011 Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes* Yes Yes No Yes No No Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes Yes Yes* No Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes No No Yes Yes No Yes Yes Yes Yes

Liability Limits 2010

Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes* Yes Yes No Yes No No Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes Yes Yes* No Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes No No Yes Yes No Yes Yes Yes Yes

2012

2011

25/50/25 25/50/25 50/100/25 50/100/25 15/30/10 15/30/10 25/50/25 25/50/25 15/30/5* 15/30/5* 25/50/15 25/50/15 20/40/10 20/40/10 15/30/10 15/30/10 25/50/10 25/50/10 10/20/10 10/20/10 25/50/25 25/50/25 20/40/10 20/40/10 25/50/15 25/50/15 20/40/15 20/40/15 25/50/10 25/50/10 20/40/15 20/40/15 25/50/10 25/50/10 25/50/10 25/50/10 15/30/25 15/30/25 50/100/25* 50/100/25* 30/60/15 30/60/15 20/40/5 20/40/5 20/40/10 20/40/10 30/60/10 30/60/10 25/50/25 25/50/25 25/50/10 25/50/10 25/50/10 25/50/10 25/50/25 25/50/25 15/30/10 15/30/10 25/50/25 25/50/25 15/30/5* 15/30/5* 25/50/10 25/50/10 25/50/10 25/50/10 30/60/25 30/60/25 25/50/25 25/50/25 12.5/25/7.5* 12.5/25/7.5* 25/50/25 25/50/25 25/50/20* 25/50/20* 15/30/5 15/30/5 25/50/25 25/50/25 25/50/25 25/50/25 25/50/25 25/50/25 25/50/15 25/50/15 30/60/25* 30/60/25* 25/65/15 25/65/15 25/50/10 25/50/10 25/50/20 25/50/20 25/50/10 25/50/10 20/40/10 20/40/10 50/100/15 50/100/15 25/50/20 25/50/20

* See Narrative Source: State Insurance Departments


2010 25/50/25 50/100/25 15/30/10 25/50/25 15/30/5* 25/50/15 20/40/10 15/30/10 25/50/10 10/20/10 25/50/25 20/40/10 25/50/15 20/40/15 25/50/10 20/40/15 25/50/10 25/50/10 15/30/25 50/100/25* 20/40/15 20/40/5 20/40/10 30/60/10 25/50/25 25/50/10 25/50/10 25/50/25 15/30/10 25/50/25 15/30/5* 25/50/10 25/50/10 30/60/25 25/50/25 12.5/25/7.5* 25/50/25 25/50/20* 15/30/5 25/50/25 25/50/25 25/50/25 25/50/15 25/50/25 25/65/15 25/50/10 25/50/20 25/50/10 20/40/10 50/100/15 25/50/20


Table 43

State Laws Personal Injury Protection and Uninsured Motorist Laws, 2010-2012 Compulsory Personal Injury Protection STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

2012 No No No Yes* No No No Yes No Yes No Yes No No No No Yes Yes No No Yes** Yes** Yes Yes** No No No No No No Yes** No Yes No Yes No No Yes** No** No No No No Yes* Yes No No Yes* No No No


* Must be provided unless rejected in writing by the insured.


Compulsory Uninsured Motorist Liability 2012 Yes* Yes* No Yes* Yes* Yes* Yes No Yes Yes* Yes* Yes* Yes Yes No Yes* Yes Yes* Yes* Yes Yes Yes No Yes** No Yes Yes* Yes Yes* No Yes** Yes* Yes Yes** Yes No No Yes No Yes Yes Yes Yes Yes** Yes* Yes Yes Yes* Yes Yes** Yes*

2011 Yes* Yes* No Yes* Yes* Yes* Yes No Yes Yes* Yes* Yes* Yes Yes No Yes* Yes Yes* Yes* Yes Yes Yes No Yes** No Yes Yes* Yes Yes* No Yes** Yes* Yes Yes** Yes No No Yes No Yes Yes Yes Yes Yes** Yes* Yes Yes Yes* Yes Yes** Yes*

2010 Yes* Yes* No Yes* Yes* Yes* Yes No Yes Yes* Yes* Yes* Yes Yes No Yes* Yes Yes* Yes* Yes Yes Yes No Yes** No Yes Yes* Yes Yes* No Yes** Yes* Yes Yes** Yes No No Yes No Yes Yes Yes Yes Yes** Yes* Yes Yes Yes* Yes Yes** Yes*


** See Narrative



Table 44

State Laws Automobile Seat Belt Laws 2015 STATE

Mandatory Law

Enforcement

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia

7/1/92 9/12/90 1/1/91 7/15/91 1/1/86 7/1/87 1/1/86 1/1/92 12/12/85 7/1/86 9/1/89

Primary Secondary Secondary Primary* Primary

Hawaii

12/16/85

Primary

Idaho Illinois Indiana

7/1/86 7/1/85 7/1/87

Secondary Primary Primary

Iowa

7/1/86

Primary

Kansas Kentucky

7/1/07 7/15/94

Primary* Primary

7/1/86

Primary

12/27/95

Primary

Louisiana Maine

Primary*, Secondary*

Primary Primary Primary Primary* Primary

Maryland

7/1/86

Primary

Massachusetts

2/1/94

Secondary

Michigan Minnesota Mississippi Missouri Montana Nebraska

4/1/00 10/1/86 5/27/06 9/28/85 10/1/87 1/1/93

Primary Primary Primary* Secondary

Nevada

7/1/87

Secondary

-

Primary*

New Jersey New Mexico New York

3/1/85 1/1/86 12/1/84

Primary*/Secondary*

North Carolina

10/1/85

Primary

North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee

8/1/05 5/6/86 2/1/87 12/7/90 11/23/87 6/1/91 7/1/89 1/1/95 4/21/86

Primary*/Secondary*

Texas

9/1/09*

Primary

Utah Vermont Virginia Washington West Virginia

4/28/86 1/1/94 1/1/88 6/11/86 9/1/93

Primary*/Secondary*

Wisconsin

12/1/87

Primary

Wyoming

6/8/89

Primary

New Hampshire

Primary*/Secondary*

Secondary

Primary Primary

Secondary Primary Primary Secondary Primary Primary Primary*/Secondary*

Secondary

Secondary Secondary Primary Secondary

* See narrative ** Children must be in the back seat of cars; ages vary by state.

Maximum Fine $30 fine; front seat only $15 fine; all seats; over age 16; all children under 15, $50 fine $10 fine; front seat only $25 fine; all seats $20 fine; all seats All children 4-15, $81 fine, $71 for 16-years and older $15 fine; front seat only; under age 16 all seats $25 fine; all seats $50 fine; all seats $30 fine; front seat only** $15 fine; front seat only $45 per violation + $10 surcharge (neurotrauma special fund) + $10 surcharge (trauma system special fund) $10 fine; all seats $25 fine; front and rear seat passenger required* $25 fine; all occupants $50.00 for front seat violations and $100.00 for under age 18 rear seat/child restraint violations $10 fine; all occupants $25 fine; all seats; $50 for failure to use proper child restraints $25 first offense, $50 fine subsequent offenses; all passengers for vehicles manufactured after 1980 $50 for the first offense, $125 for the 2nd offense and $250 for the 3rd and subsequent offenses $25 fine; all seats $25 fine; all seats. Additional fine of $25/person ages 12-16 who are not wearing seatbelts. Damage mitigation up to 5% max; $50 fine; front seat only* $25 fine per driver and each passenger, regardless of age $25 fine; front seat and passenger Damage mitigation up to 1% max; $10 fine; front seat only $20 fine; all seats $25 fine plus points; front seat only $25 fine/community service; all seats; $500 fine/community service; children under 7 Under 18 years old: $50 fine 1st offense; $100 2nd & subsequent; effective 7/1/2008 $46 fine $25 fine; front seat only $50 fine; front seat only; $100 for children $25 fine per person front seat; $10 per person back seat; $25 for child restraint violation $20 fine; front seat only $25 fine; front seat only $20 fine; front seat only Damage mitigation up to 5% max; $90 fine; all seats $10 fine; front seat only $85 fine; all seats $25 fine $20 fine; front seat only $50 fine; front seat only Up to $250 fine; all seats; 7 years and younger who are 57 " or taller; 8+ years in all seats* (Effective September 1, 2009--SB61 (81st Tx. Leg., Reg. Sess.); $45 fine $25/$50/$100 fine(eff 1-1-04), 1st/2nd/3rd offense, all seats $25 fine; front seat only $124 fine; all seats Damage mit. up to 5% max; $25 front seat; under 18 rear seat $10 to $75, all seats ; under the age of 4 is not less than $30 or more than $75; ages of 4-8 is not less than $10 or more than $25. $25; all seats Source: State Insurance Departments



Table 45

State Laws Drunk Driving Laws and Speed Limits, 2015 Drunk Driving Laws STATE

Admin. License Suspension

BAC Threshold

Speed Limits Maximum Speed Limit

Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes* No Yes Yes Yes Yes* Yes Yes Yes No* Yes No Yes Yes Yes Yes Yes No Yes No No Yes Yes Yes Yes Yes Yes Yes Yes Yes

0.08 0.08 0.08 0.08 0.08* 0.08 0.08 0.08 0.08* 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08* 0.08 0.08 0.08* 0.08 0.08 0.08 0.08 0.08* 0.08 0.08 0.08 0.08* 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08* 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08

70 65* 75 70 70* 75 65 65 55 70 70 60 75 65 70* 70 70* 70 70 75 65 65 70 70 70 70 75 75 75 65 65* 75 65 70 75 65* 75 65 65* 65 70 75* 70 70* 75 65 70 70 70 65 75

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming * See Narrative Source: State Insurance Departments



Appendix




Appendix 1A

Population, Traffic and Vehicle Data, 2010-2012 Land Area and Population STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide

Land Area Square Miles 50,744 571,951 113,635 52,068 155,959 103,718 4,845 1,954 61 53,927 57,906 6,423 82,747 55,584 35,867 55,869 81,815 39,728 43,562 30,862 9,774 7,840 56,804 79,610 46,907 68,886 145,552 76,872 109,826 8,968 7,417 121,356 47,214 48,711 68,976 40,948 68,667 95,997 44,817 1,045 30,110 75,885 41,217 261,797 82,144 9,250 39,594 66,544 24,078 54,310 97,100 3,537,441

Population 2012

2011

2010

Metro Population 2010

4,817,528 730,307 6,551,149 2,949,828 37,999,878 5,189,458 3,591,765 917,053 633,427 19,320,749 9,915,646 1,390,090 1,595,590 12,868,192 6,537,782 3,075,039 2,885,398 4,379,730 4,602,134 1,328,501 5,884,868 6,645,303 9,882,519 5,379,646 2,986,450 6,024,522 1,005,494 1,855,350 2,754,354 1,321,617 8,867,749 2,083,540 19,576,125 9,748,364 701,345 11,553,031 3,815,780 3,899,801 12,764,475 1,050,304 4,723,417 834,047 6,454,914 26,060,796 2,854,871 625,953 8,186,628 6,895,318 1,856,680 5,724,554 576,626 313,873,685

4,801,627 723,375 6,468,796 2,938,506 37,668,681 5,118,400 3,588,948 907,985 619,624 19,083,482 9,810,181 1,376,897 1,583,930 12,855,970 6,516,336 3,064,102 2,869,548 4,366,869 4,575,197 1,327,844 5,840,241 6,606,285 9,874,589 5,347,108 2,977,886 6,010,065 997,600 1,841,749 2,717,951 1,318,075 8,836,639 2,077,919 19,502,728 9,651,377 684,867 11,549,772 3,785,534 3,867,937 12,741,310 1,050,350 4,673,509 823,772 6,398,361 25,640,909 2,814,784 626,320 8,105,850 6,821,481 1,855,184 5,708,785 567,329 311,582,564

4,785,298 713,985 6,413,737 2,921,606 37,349,363 5,049,071 3,577,073 899,769 604,453 18,843,326 9,712,587 1,363,621 1,571,450 12,843,166 6,490,621 3,049,883 2,859,169 4,346,266 4,544,228 1,327,567 5,785,982 6,557,254 9,877,574 5,310,584 2,970,036 5,996,231 990,898 1,830,429 2,704,642 1,316,759 8,801,624 2,065,932 19,392,283 9,561,558 674,499 11,536,182 3,761,702 3,838,957 12,709,630 1,052,886 4,636,312 816,463 6,356,897 25,257,114 2,776,469 625,960 8,024,617 6,744,496 1,853,973 5,691,047 564,460 309,349,689

3,415,430 478,402 5,914,541 1,757,367 36,408,727 4,341,903 3,265,742 700,789 601,723 17,689,964 7,847,658 953,207 1,028,136 11,159,069 5,078,745 1,721,714 1,949,129 2,523,770 3,380,738 775,723 5,463,187 6,520,922 8,033,066 3,971,551 1,331,025 4,463,547 348,676 1,071,368 2,431,960 819,087 8,791,894 1,370,524 17,814,883 6,704,358 325,418 9,299,425 2,407,338 2,978,551 10,685,735 1,052,567 3,536,094 369,042 4,659,762 22,085,169 2,448,962 211,261 6,887,509 5,900,385 1,032,750 4,142,082 167,188 258,317,763

Source: U.S. Bureau of the Census



Appendix 1B

Population,Traffic and Vehicle Data, 2010-2012 Vehicles and Vehicle Thefts Registered Vehicles STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide

Motor Vehicle Thefts

2012

2011

2010

2012

2011

2010

4,712,167 743,305 5,014,259 2,403,830 26,914,629 4,378,015 2,623,127 912,912 318,206 15,046,834 7,445,788 1,196,215 1,580,264 9,767,228 5,781,263 3,330,987 2,367,652 3,570,060 3,821,119 1,126,824 3,861,428 4,825,738 7,531,943 4,857,239 2,023,876 5,508,795 1,329,735 1,835,625 2,060,690 1,222,564 7,579,004 1,739,124 10,103,331 7,593,350 776,344 9,776,560 3,312,256 3,441,114 10,052,131 821,281 3,784,593 930,219 5,225,095 19,789,723 1,918,522 576,250 6,917,302 5,632,644 1,400,881 4,934,320 768,086 245,184,447

4,684,642 726,934 4,930,326 2,372,009 28,358,047 4,159,020 2,730,831 898,917 312,692 14,894,843 7,334,115 1,117,543 1,562,581 10,094,916 5,928,365 3,322,313 2,364,605 3,664,532 3,984,136 1,120,953 3,785,507 5,536,320 8,874,498 4,669,345 2,008,446 5,029,047 1,172,147 1,835,580 2,083,431 1,199,217 7,609,467 1,707,128 10,084,704 6,026,287 753,198 9,826,755 3,301,539 3,019,803 9,898,084 885,738 3,718,837 925,753 5,133,915 19,174,572 1,823,980 574,983 6,802,556 5,659,907 1,400,658 4,926,539 767,918 244,778,179

4,653,838 710,444 4,320,010 2,073,411 31,014,128 4,180,298 3,082,011 799,012 211,653 14,372,807 7,701,942 904,467 1,324,985 10,078,618 5,698,013 3,312,705 2,436,246 3,589,118 4,086,128 1,053,842 4,557,006 5,333,915 9,286,067 4,847,971 2,015,915 5,153,425 925,854 1,802,498 1,361,671 1,202,974 6,628,080 1,612,491 10,255,099 5,742,829 735,644 9,800,933 3,357,464 3,050,254 9,990,941 782,438 3,660,878 925,548 5,113,913 17,193,559 2,654,715 566,650 6,148,794 4,682,790 1,435,523 4,967,777 663,253 242,060,545

9,874 1,522 19,158 5,724 168,608 12,092 6,449 1,436 3,661 37,330 28,536 3,605 1,364 25,690 13,661 4,023 6,778 6,668 7,881 995 15,025 9,232 25,115 8,458 4,322 16,308 1,689 4,147 10,018 1,023 16,481 5,463 17,348 16,120 1,151 19,512 11,564 10,203 15,028 2,628 13,201 1,065 12,980 64,996 5,999 435 9,076 26,402 2,209 8,216 584 721,053

10,662 1,343 19,829 5,812 146,848 11,047 6,712 1,530 4,456 39,621 29,475 4,184 1,333 28,769 14,816 3,936 6,677 6,673 9,123 1,078 16,068 10,786 25,496 8,182 4,925 15,317 1,458 4,103 9,485 974 17,415 5,408 19,311 17,032 980 21,068 11,031 9,047 16,844 2,287 13,464 946 14,036 63,338 6,183 499 9,724 24,835 2,254 8,232 521 715,373

10,600 1,619 21,508 5,544 152,524 11,247 6,707 1,929 5,036 41,462 30,305 5,100 1,322 28,796 13,118 3,776 6,009 6,209 9,893 990 18,051 11,453 27,353 8,587 5,360 16,051 1,526 3,614 10,185 968 15,556 5,247 20,433 18,310 859 21,118 10,190 8,912 16,669 2,399 13,197 795 14,835 68,023 5,949 441 10,548 25,729 2,361 8,138 591 737,142

Sources: Federal Highway Administration and Federal Bureau of Investigation.



Appendix 1C

Population,Traffic and Vehicle Data, 2010-2012 Vehicle and Roadway Miles Vehicle Miles (in Millions) STATE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Countrywide

Miles of Roadway

2012

2011

2010

2012

2011

2010

64,959 4,792 60,129 33,522 326,272 46,769 31,269 9,186 3,572 191,374 107,488 10,050 16,315 104,578 78,923 31,596 30,572 47,344 46,889 14,199 56,476 55,940 94,548 56,988 38,667 68,504 11,885 19,277 24,148 12,894 74,225 25,562 128,221 104,950 10,081 112,715 47,872 33,173 98,884 7,807 49,036 9,113 71,167 237,836 26,528 7,216 80,959 56,762 19,226 59,087 9,271 2,968,815

64,914 4,593 59,574 32,953 320,784 46,606 31,197 9,028 3,568 191,855 108,454 10,066 15,937 103,234 76,485 31,274 30,021 48,061 46,513 14,248 56,221 54,792 94,754 56,685 38,851 68,789 11,660 19,093 24,189 12,720 73,094 25,533 127,726 103,772 9,131 111,990 47,464 33,373 99,204 7,901 48,730 9,002 70,751 237,440 26,222 7,141 80,974 56,955 18,963 54,402 9,245 2,946,131

64,163 4,798 60,063 33,504 322,849 46,940 31,294 8,948 3,591 195,755 111,722 9,995 15,801 105,788 75,761 31,389 29,900 48,007 45,439 14,549 56,126 54,362 97,567 56,632 39,841 70,864 11,190 19,438 21,119 13,065 73,028 25,325 131,252 102,385 8,263 111,836 47,746 33,774 100,329 8,280 49,124 8,866 70,439 234,016 26,585 7,248 82,171 57,190 19,203 59,420 9,568 2,966,506

101,811 16,301 65,262 100,123 175,499 88,524 21,431 6,377 1,502 121,829 125,523 4,416 48,492 144,337 97,288 114,438 140,614 79,321 61,326 22,871 32,372 36,330 122,051 138,832 75,181 131,978 74,905 93,797 38,567 16,105 39,272 68,384 114,709 106,063 86,851 123,281 112,821 59,262 119,846 6,480 66,244 82,536 95,523 313,210 45,891 14,291 74,591 83,878 38,684 115,095 28,416 4,092,730

101,668 16,675 65,092 100,082 172,202 88,415 21,445 6,358 1,501 121,759 123,546 4,405 48,553 139,498 97,066 114,387 140,513 79,220 61,635 22,874 32,321 36,303 122,086 138,702 75,119 131,667 74,880 93,600 36,839 16,076 39,213 68,384 114,592 105,869 86,851 123,247 112,808 59,148 119,771 6,485 65,997 82,459 95,492 312,911 45,635 14,290 74,461 83,743 38,646 115,018 28,253 4,077,760

101,575 16,303 64,308 100,068 172,139 88,353 21,391 6,337 1,503 121,702 122,917 4,395 48,771 139,519 96,988 114,383 140,653 79,184 61,327 22,864 31,526 36,248 121,969 138,164 75,080 130,360 74,793 93,653 35,061 16,085 39,242 68,378 114,574 105,653 86,842 123,192 112,873 59,151 119,685 6,490 66,024 82,447 94,207 311,249 45,124 14,437 74,378 83,822 38,625 114,963 28,105 4,067,077

