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Reinsurance
 9 Months Ended
Sep. 30, 2017
Insurance [Abstract]  
Reinsurance
Reinsurance

The following is a summary of reinsurance financial information:
  
For the Three Months
 
For the Nine Months
 
Ended September 30,
 
Ended September 30,
(In thousands)
2017
 
2016
 
2017
 
2016
Written premiums:
 
 
 
 
 
 
 
Direct
$
1,679,389

 
$
1,643,870

 
$
5,127,465

 
$
5,061,646

Assumed
194,769

 
224,979

 
570,052

 
702,265

Ceded
(302,975
)
 
(261,484
)
 
(915,245
)
 
(850,255
)
Total net premiums written
$
1,571,183

 
$
1,607,365

 
$
4,782,272

 
$
4,913,656

 
 
 
 
 
 
 
 
Earned premiums:
 
 
 
 
 
 
 
Direct
$
1,692,453

 
$
1,647,033

 
$
4,972,755

 
$
4,824,768

Assumed
202,972

 
216,758

 
605,281

 
635,443

Ceded
(313,925
)
 
(277,847
)
 
(857,792
)
 
(787,139
)
Total net premiums earned
$
1,581,500

 
$
1,585,944

 
$
4,720,244

 
$
4,673,072

 
 
 
 
 
 
 
 
Ceded losses and loss expenses incurred
$
247,104

 
$
213,065

 
$
424,905

 
$
507,258

Ceded commissions earned
$
63,222

 
$
47,315

 
$
177,524

 
$
143,809


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, 2017 and December 31, 2016.