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Loss and Loss Adjustment Expense Reserves
 6 Months Ended
Jun. 30, 2019
Loss and Loss Adjustment Expenses Reserves [Abstract]  
Loss and Loss Adjustment Expenses Reserves Loss and Loss Adjustment Expense Reserves — Activity in the loss and loss adjustment expense reserves is summarized as follows: 
 
June 30,
(millions)
2019
 
2018
Balance, Beginning of period
$
15,400.8

 
$
13,086.9

Less reinsurance recoverables on unpaid losses
2,572.7

 
2,170.1

Net balance, Beginning of period
12,828.1

 
10,916.8

Incurred related to:

 

Current year
11,687.1

 
10,164.6

Prior years
210.0

 
81.5

Total incurred
11,897.1

 
10,246.1

Paid related to:

 

Current year
6,407.5

 
5,533.7

Prior years
4,664.1

 
3,851.5

Total paid
11,071.6

 
9,385.2

Net balance, End of period
13,653.6

 
11,777.7

Plus reinsurance recoverables on unpaid losses
2,915.0

 
2,293.1

Balance, End of period
$
16,568.6

 
$
14,070.8



We experienced unfavorable reserve development of $210.0 million and $81.5 million for the first six months of 2019 and 2018, respectively, which is reflected as “Incurred related to prior years” in the table above.
Year-to-date June 30, 2019
•
About 50% of the unfavorable prior year reserve development was attributable to accident year 2018, with the remainder split evenly between accident year 2017 and accident years 2016 and prior.
•
Our personal auto products incurred about $116 million of unfavorable loss and loss adjustment expense (LAE) reserve development, with the Agency and Direct auto businesses each contributing about half. The unfavorable development was primarily attributable to increased injury severity, a higher than anticipated frequency of reopened personal injury protection (PIP) claims, primarily in Florida, and late reported losses occurring late 2018 but not reported until 2019.
•
Our Commercial Lines business experienced about $57 million of unfavorable development primarily due to increased injury severity and more emergence of large injury claims than originally anticipated.
•
Our Property business experienced about $20 million of unfavorable development, primarily due to higher than originally anticipated homeowner and dwelling, and fire liability costs.
•
Our special lines business experienced about $17 million of unfavorable development primarily due to less salvage and subrogation recoveries than originally anticipated.
Year-to-date June 30, 2018
•
Approximately $72 million of the unfavorable prior year reserve development was attributable to accident years 2017 and 2016.
•
Our personal auto business incurred about $57 million of unfavorable loss and LAE reserve development, with the Agency and Direct auto businesses contributing about $36 million and $21 million, respectively, of unfavorable development. The unfavorable development was primarily due to an increase in reopened PIP claims.
•
Our Commercial Lines business experienced about $17 million of unfavorable development primarily due to late reported losses and higher LAE than anticipated.
•
Our Property business recognized unfavorable development of about $7 million, while our special lines products had minimal development during the first half of the year.