Segment Information (Tables)

3 Months Ended

Mar. 31, 2016

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



	March 31, 2016								March 31, 2015
	Property & Casualty Lines			Other ⁽¹⁾		Total			Property & Casualty Lines		Other ⁽¹⁾		Total
(Amounts in millions)
Net premiums earned	$	755.8		$	11.3	$	767.1		$	707.2	$	13.5	$	720.7
Less:
Incurred expenses	588.0			6.1		594.1			506.8		7.6		514.4
Underwriting expenses	197.9			4.9		202.8			193.9		5.6		199.5
Underwriting (loss) gain	(30.1		)	0.3		(29.8		)	6.5		0.3		6.8
Investment income						29.7							31.5
Net realized investment gains (losses)						25.0							(10.0		)
Other income						2.1							2.3
Interest expense						(1.0		)					(0.7		)
Pre-tax income						$	26.0						$	29.9
Net income						$	23.3						$	26.2

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



	March 31, 2016						March 31, 2015
	Property & Casualty Lines		Other ⁽¹⁾		Total		Property & Casualty Lines		Other ⁽¹⁾		Total
(Amounts in millions)
Private passenger automobile	$	631.8	$	—	$	631.8	$	591.5	$	—	$	591.5
Homeowners	99.1		—		99.1		89.1		—		89.1
Commercial automobile	40.9		—		40.9		36.2		—		36.2
Other	20.9		7.4		28.3		19.0		7.0		26.0
Direct premiums written	$	792.7	$	7.4	$	800.1	$	735.8	$	7.0	742.8

Private passenger automobile	$	599.0	$	—	$	599.0	$	563.8	$	—	$	563.8
Homeowners	99.5		—		99.5		92.0		—		92.0
Commercial automobile	38.7		—		38.7		33.8		—		33.8
Other	18.6		11.3		29.9		17.6		13.5		31.1
Net premiums earned	$	755.8	$	11.3	$	767.1	$	707.2	$	13.5	$	720.7

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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 primarily sold through auto dealerships and credit unions.