Segment Information (Tables)

6 Months Ended

Jun. 30, 2016

Segment Reporting [Abstract]

Reconciliation of operating results by reportable segment

The following tables present the Company's operating results by reportable segment:

	Three Months Ended
	June 30, 2016								June 30, 2015
	Property & Casualty Lines			Other (1)		Total			Property & Casualty Lines		Other (1)		Total
	(Amounts in millions)
Net premiums earned	$	768.6		$	10.7	$	779.3		$	718.5	$	13.1	$	731.6
Less:
Losses and loss adjustment expenses	589.4			5.7		595.1			514.1		7.1		521.2
Underwriting expenses	193.4			4.2		197.6			194.9		4.8		199.7
Underwriting (loss) gain	(14.2		)	0.8		(13.4		)	9.5		1.2		10.7
Investment income						31.5							31.7
Net realized investment gains (losses)						45.4							(39.3		)
Other income						1.9							2.2
Interest expense						(1.0		)					(0.8		)
Pre-tax income						$	64.4						$	4.5
Net income						$	48.9						$	9.6

	Six Months Ended
	June 30, 2016								June 30, 2015
	Property & Casualty Lines			Other (1)		Total			Property & Casualty Lines		Other (1)		Total
	(Amounts in millions)
Net premiums earned	$	1,524.4		$	22.0	$	1,546.4		$	1,425.7	$	26.6	$	1,452.3
Less:
Losses and loss adjustment expenses	1,177.4			11.8		1,189.2			1,020.9		14.7		1,035.6
Underwriting expenses	391.3			9.1		400.4			388.8		10.4		399.2
Underwriting (loss) gain	(44.3		)	1.1		(43.2		)	16.0		1.5		17.5
Investment income						61.1							63.2
Net realized investment gains (losses)						70.5							(49.3		)
Other income						4.0							4.5
Interest expense						(2.0		)					(1.5		)
Pre-tax income						$	90.4						$	34.4
Net income						$	72.2						$	35.8

Schedule direct premiums attributable to segment

The following tables present the Company’s net premiums earned and direct premiums written by line of insurance business:

	Three Months Ended
	June 30, 2016						June 30, 2015
	Property & Casualty Lines		Other (1)		Total		Property & Casualty Lines		Other (1)		Total
	(Amounts in millions)
Private passenger automobile	$	607.1	$	—	$	607.1	$	570.9	$	—	$	570.9
Homeowners	102.0		—		102.0		93.8		—		93.8
Commercial automobile	39.9		—		39.9		35.5		—		35.5
Other	19.6		10.7		30.3		18.3		13.1		31.4
Net premiums earned	$	768.6	$	10.7	$	779.3	$	718.5	$	13.1	731.6
Private passenger automobile	$	595.4	$	—	$	595.4	$	562.6	$	—	$	562.6
Homeowners	116.3		—		116.3		105.1		—		105.1
Commercial automobile	42.4		—		42.4		38.5		—		38.5
Other	23.0		6.9		29.9		21.3		8.4		29.7
Direct premiums written	$	777.1	$	6.9	$	784.0	$	727.5	$	8.4	$	735.9

	Six Months Ended
	June 30, 2016						June 30, 2015
	Property & Casualty Lines		Other (1)		Total		Property & Casualty Lines		Other (1)		Total
	(Amounts in millions)
Private passenger automobile	$	1,206.1	$	—	$	1,206.1	$	1,134.7	$	—	$	1,134.7
Homeowners	201.5		—		201.5		185.8		—		185.8
Commercial automobile	78.6		—		78.6		69.3		—		69.3
Other	38.2		22.0		60.2		35.9		26.6		62.5
Net premiums earned	$	1,524.4	$	22.0	$	1,546.4	$	1,425.7	$	26.6	1,452.3
Private passenger automobile	$	1,227.2	$	—	$	1,227.2	$	1,154.1	$	—	$	1,154.1
Homeowners	215.4		—		215.4		194.2		—		194.2
Commercial automobile	83.3		—		83.3		74.7		—		74.7
Other	43.9		14.3		58.2		40.3		15.4		55.7
Direct premiums written	$	1,569.8	$	14.3	$	1,584.1	$	1,463.3	$	15.4	$	1,478.7

__________

(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.