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Reinsurance
 9 Months Ended
Sep. 30, 2013
Reinsurance Disclosures [Abstract]  
Reinsurance
Reinsurance
The following is a summary of reinsurance financial information:
  
For the Three Months Ended
 
For the Nine Months Ended
 
September 30,
 
September 30,
(In thousands)
2013
 
2012
 
2013
 
2012
Written premiums:
 
 
 
 
 
 
 
Direct
$
1,415,775

 
$
1,267,882

 
$
4,221,370

 
$
3,718,477

Assumed
251,331

 
226,842

 
695,293

 
608,693

Ceded
(243,481
)
 
(218,837
)
 
(774,174
)
 
(656,766
)
Total net premiums written
$
1,423,625

 
$
1,275,887

 
$
4,142,489

 
$
3,670,404

 
 
 
 
 
 
 
 
Earned premiums:
 
 
 
 
 
 
 
Direct
$
1,351,542

 
$
1,208,257

 
$
3,893,806

 
$
3,475,375

Assumed
226,530

 
193,024

 
658,063

 
559,304

Ceded
(249,210
)
 
(214,748
)
 
(708,373
)
 
(601,138
)
Total net premiums earned
$
1,328,862

 
$
1,186,533

 
$
3,843,496

 
$
3,433,541

 
 
 
 
 
 
 
 
Ceded losses incurred
$
186,504

 
$
114,273

 
$
439,415

 
$
308,692


The Company reinsures a portion of its insurance exposures in order to reduce its net liability on individual risks and catastrophe losses. The Company also cedes premiums to state assigned risk plans and captive insurance companies. Estimated amounts due from reinsurers are reported net of reserves for uncollectible reinsurance of $1 million as of September 30, 2013 and $2 million as of December 31, 2012.