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Reinsurance
 9 Months Ended
Sep. 30, 2019
Insurance [Abstract]  
Reinsurance Reinsurance
The following is a summary of reinsurance financial information:
 
For the Three Months
Ended September 30,
 
For the Nine Months
Ended September 30,
 
 
(In thousands)
2019
 
2018
 
2019
 
2018
Written premiums:
 
 
 
 
 
 
 
Direct
$
1,853,881

 
$
1,746,197

 
$
5,566,728

 
$
5,318,698

Assumed
239,169

 
181,587

 
662,412

 
536,582

Ceded
(343,144
)
 
(303,570
)
 
(1,026,169
)
 
(941,624
)
Total net premiums written
$
1,749,906

 
$
1,624,214

 
$
5,202,971

 
$
4,913,656

 
 
 
 
 
 
 
 
Earned premiums:
 
 
 
 
 
 
 
Direct
$
1,797,726

 
$
1,735,576

 
$
5,294,773

 
$
5,115,403

Assumed
209,094

 
177,996

 
595,946

 
547,372

Ceded
(330,010
)
 
(310,087
)
 
(974,212
)
 
(910,828
)
Total net premiums earned
$
1,676,810

 
$
1,603,485

 
$
4,916,507

 
$
4,751,947

 
 
 
 
 
 
 
 
Ceded losses and loss expenses incurred
$
172,009

 
$
186,538

 
$
584,323

 
$
586,607

Ceded commissions earned
$
76,001

 
$
68,938

 
$
220,110

 
$
201,216


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 both September 30, 2019 and December 31, 2018.