Segment Information (Tables)

12 Months Ended

Dec. 31, 2015

The following table presents operating results by reportable segment for the years ended:



	December 31, 2015							December 31, 2014								December 31, 2013
	Property & Casualty Lines		Other ⁽¹⁾		Total			Property & Casualty Lines		Other ⁽¹⁾			Total			Property & Casualty Lines		Other ⁽¹⁾			Total
(Amounts in millions)
Net premiums earned	$	2,906.6	$	51.3	$	2,957.9		$	2,737.3	$	58.9		$	2,796.2		$	2,638.4	$	59.8		$	2,698.2
Less:
Incurred expenses	2,117.3		28.2		2,145.5			1,951.4		34.7			1,986.1			1,926.4		36.3			1,962.7
Underwriting expenses	770.0		20.0		790.0			749.7		25.9			775.6			701.0		23.9			724.9
Underwriting gain	19.3		3.1		22.4			36.2		(1.7		)	34.5			11.0		(0.4		)	10.6
Investment income					126.3								125.7								124.5
Net realized investment (losses) gains					(83.8		)						81.1								(11.4		)
Other income					8.9								8.7								9.7
Interest expense					(3.2		)						(2.6		)						(1.3		)
Pre-tax income					$	70.6							$	247.4							$	132.1
Net income					$	74.5							$	177.9							$	112.1

The following table presents the Company’s direct premiums written and net premiums earned by line of insurance business for the years ended:



	December 31, 2015						December 31, 2014						December 31, 2013
	Property & Casualty Lines		Other ⁽¹⁾		Total		Property & Casualty Lines		Other ⁽¹⁾		Total		Property & Casualty Lines		Other ⁽¹⁾		Total
(Amounts in millions)
Private passenger automobile	$	2,345.8	$	—	$	2,345.8	$	2,223.1	$	—	$	2,223.1	$	2,165.6	$	—	$	2,165.6
Homeowners	402.2		—		402.2		374.5		—		374.5		340.0		—		340.0
Commercial automobile	153.5		—		153.5		135.9		—		135.9		104.7		—		104.7
Other	81.6		29.8		111.4		75.4		44.3		119.7		64.4		62.8		127.2
Direct premiums written	$	2,983.1	$	29.8	$	3,012.9	$	2,808.9	$	44.3	2,853.2		$	2,674.7	$	62.8	$	2,737.5

Private passenger automobile	$	2,308.6	$	—	$	2,308.6	$	2,203.0	$	—	$	2,203.0	$	2,163.4	$	—	$	2,163.4
Homeowners	379.7		—		379.7		347.9		—		347.9		328.5		—		328.5
Commercial automobile	144.4		—		144.4		121.8		—		121.8		88.3		—		88.3
Other	73.9		51.3		125.2		64.6		58.9		123.5		58.2		59.8		118.0
Net premiums earned	$	2,906.6	$	51.3	$	2,957.9	$	2,737.3	$	58.9	$	2,796.2	$	2,638.4	$	59.8	$	2,698.2

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(1)	"Other" represents net premiums written and earned from an operating segment that does not meet the quantitative thresholds required to be considered a reportable segment. This operating segment offers automobile mechanical breakdown warranties which are sold through auto dealerships and credit unions.