(7) Receivables

Receivables of insurance and other businesses are comprised of the following (in millions).


	December 31,
	2012			2011
Insurance premiums receivable	$	7,845		$	6,663
Reinsurance recoverable on unpaid losses		2,925			2,953
Trade and other receivables		11,369			9,772
Allowances for uncollectible accounts		(386	)		(376	)

	$	21,753		$	19,012

Loans and finance receivables of finance and financial products businesses are comprised of the following (in millions).


	December 31,
	2012			2011
Consumer installment loans and finance receivables	$	12,701		$	13,463
Commercial loans and finance receivables		469			860
Allowances for uncollectible loans		(361	)		(389	)

	$	12,809		$	13,934

Allowances for uncollectible loans predominantly relate to consumer installment loans. Provisions for consumer loan losses were $312 million in 2012 and $337 million in 2011. Loan charge-offs, net of recoveries, were $339 million in 2012 and $321 million in 2011. Consumer loan amounts are net of unamortized acquisition discounts of $459 million at December 31, 2012 and $500 million at December 31, 2011. At December 31, 2012, approximately 97% of consumer installment loan balances were evaluated collectively for impairment, whereas about 64% of commercial loan balances were evaluated individually for impairment. As a part of the evaluation process, credit quality indicators are reviewed and loans are designated as performing or non-performing. At December 31, 2012, approximately 98% of consumer installment and commercial loan balances were determined to be performing and approximately 93% of those balances were current as to payment status.