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SELF-INSURANCE RESERVE FOR LOSSES AND LOSS ADJUSTMENT EXPENSES
 12 Months Ended
Dec. 31, 2018
Self-Insurance Reserve for Losses and Loss Adjustment Expenses Disclosure [Abstract]  
SELF-INSURANCE RESERVE FOR LOSSES AND LOSS ADJUSTMENT EXPENSES
SELF-INSURANCE RESERVE FOR LOSSES AND LOSS ADJUSTMENT EXPENSES
The following table summarizes the activity in our self-insurance reserve for losses and loss adjustment expenses as of year-end 2018 and 2017:
($ in millions)
2018
 
2017
Balance at beginning of year
$
487

 
$
493

Less: Reinsurance recoverable
(3
)
 
(3
)
Net balance at beginning of year
484

 
490

Incurred related to:
 
 
 
Current year
151

 
160

Prior years
(37
)
 
(59
)
Total incurred
114

 
101

Paid related to:
 
 
 
Current year
(32
)
 
(30
)
Prior years
(96
)
 
(77
)
Total paid
(128
)
 
(107
)
Net balance at end of year
470

 
484

Add: Reinsurance recoverable
7

 
3

Balance at end of year
$
477

 
$
487

 
 
 
 
Current portion classified in “Accrued expenses and other”
$
126

 
$
112

Noncurrent portion classified in “Other noncurrent liabilities”
351

 
375

 
$
477

 
$
487


We decreased our provision for incurred losses for prior years by $37 million in 2018 and by $59 million in 2017 because of changes in estimates from insured events from prior years due to changes in underwriting experience and frequency and severity trends.