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This excerpt taken from the ALL 10-Q filed May 7, 2009. Non-standard
auto loss ratio for the Allstate brand increased 3.3 points in the
first quarter of 2009 compared to the first quarter of 2008 due to higher loss
frequencies and claim severities. Gross
frequencies increased for both physical damage and casualty coverages in the
first quarter of 2009 compared to the first quarter of 2008. Average loss costs or claims severity
increased consistent with relevant CPI indices for the bodily injury coverages
and added to the loss ratio deterioration.
Physical damage coverage severity primarily increased with relevant CPI
indices.
This excerpt taken from the ALL 10-Q filed Nov 6, 2008. Non-standard auto
loss ratio for the Allstate brand increased 2.8 points
in the three months ended September 30, 2008 and 2.8 points during the
first nine months of 2008 compared to the same periods of 2007 due to lower
favorable reserve reestimates related to prior years and increased catastrophe
losses. Non-standard auto loss ratio for
the Encompass brand increased 11.1 points in the three months ended September 30,
2008 and 2.2 points during the first nine months of 2008 compared to the same
periods of 2007.
This excerpt taken from the ALL 10-Q filed Aug 6, 2008. Non-standard auto loss ratio
increased 0.8 points for the Allstate brand in the three months ended June 30,
2008 and 2.9 points during the first six months of 2008 compared to the same
periods of 2007 due to lower favorable reserve reestimates related to prior
years. Non-standard auto loss ratio for
the Encompass brand increased 3.3 points in the three months ended June 30,
2008 compared to the same period of 2007.
Non-standard auto loss ratio for the Encompass brand decreased 1.7
points during the first six months of 2008 compared to the same period of 2007.
This excerpt taken from the ALL 10-Q filed May 8, 2008. Non-standard auto loss ratio
increased 4.8 points for the Allstate brand in the first quarter of 2008
compared to the same period of 2007 due to the absence of favorable reserve
reestimates related to prior years.
Non-standard auto loss ratio for the Encompass brand decreased 5.9
points in the first quarter of 2008 compared to the same period of 2007.
This excerpt taken from the ALL 10-Q filed Oct 31, 2007. Non-standard auto loss ratio
for the Allstate brand decreased 2.4 points in the three months ended September
30, 2007 when compared to the same period of 2006 due to favorable reserve
reestimates related to prior year. The Allstate brand non-standard auto loss
ratio increased 1.2 points during the first nine months of 2007 when compared
to the same period of 2006 due to higher claim severity excluding catastrophes
and lower premiums earned. Non-standard auto loss ratio for the Encompass brand
decreased 16.6 points in the three months ended September 30,
37
2007 and 6.4 points during the first nine months of 2007 when compared to the same periods of 2006.
This excerpt taken from the ALL 10-Q filed Aug 1, 2007. Non-standard
auto loss ratio for the Allstate brand increased 4.2 points
in the three months ended June 30, 2007 and 2.8 points during the first six
months of 2007 when compared to the same periods of 2006 due to higher claim
severity excluding catastrophes and lower premiums earned. Non-standard auto loss ratio for the
Encompass brand decreased 7.5 points in the three months ended June 30, 2007
and 1.8 points during the first six months of 2007 when compared to the same
periods of 2006.
This excerpt taken from the ALL 10-Q filed May 1, 2007. Non-standard
auto loss ratio increased 1.6 points for the Allstate
brand and 3.2 points for the Encompass brand in the first quarter of 2007 when
compared to the same period of 2006 due to higher claim frequency and claim
severity excluding catastrophes and lower premiums earned.
This excerpt taken from the ALL 10-Q filed Nov 1, 2006. Non-standard auto loss
ratio for the Allstate brand
decreased 2.8 points in the three months ended September 30, 2006 and 2.1
points during the first nine months of 2006 when compared to the same periods
of 2005 due to lower catastrophes,
lower claim frequency, partially offset by higher current year claim severity
and lower premiums earned. The Allstate
brand non-standard auto loss ratio for the first nine months of 2005 also
included an accrual for 40
litigation. Non-standard auto loss ratio for the Encompass brand increased 18.8 points in the three months ended September 30, 2006 and 8.2 points during the first nine months of 2006 when compared to the same periods of 2005 due to higher current year claim severity and lower premiums earned, partially offset by lower catastrophes and lower claim frequency excluding catastrophes. This excerpt taken from the ALL 10-Q filed Aug 8, 2006. Non-standard auto loss ratio for the
Allstate brand increased 0.4 points in the three months ended June 30, 2006 due
to higher current year claim severity and lower premiums earned, partially
offset by lower claim frequency. Non-standard auto loss ratio for Allstate
brand decreased 1.7 points during the first six months of 2006 when compared to
the same periods of 2005 due to lower claim frequency, partially offset by
higher current year claim severity and lower premiums earned. Non-standard auto
loss ratio for the Encompass brand increased 9.4 points in the three months
ended June 30, 2006 and 3.1 points during the first six months of 2006 when compared
to the same periods of 2005 due to higher current year claim severity and lower
premiums earned, partially offset by lower claim frequency.
37
This excerpt taken from the ALL 10-Q filed May 3, 2006. Non-standard auto loss ratio
decreased 3.9 points for the Allstate brand and 2.4 points for the Encompass
brand in the first quarter of 2006 when compared to the same period of 2005. These
decreases were due to lower claim frequency, partially offset by higher current
year claim severity and lower premiums earned.
This excerpt taken from the ALL 10-Q filed Nov 1, 2005. Non-standard auto
loss ratio for the Allstate brand increased 10.7
points in the three months ended September 30, 2005 and 4.3 points during
the first nine months of 2005 when compared to the same periods last year due
to decreases in premiums earned, higher catastrophe losses and higher current
year claim severity. The first nine
months of 2005 included an accrual for litigation. Non-standard auto loss ratio for Encompass
brand decreased 15.0 points in the three months ended September 30, 2005
and 5.0 points during the first nine months of 2005 when compared to the same
periods last year due to lower claim frequency, partially offset by higher
current year claim severity.
36
This excerpt taken from the ALL 10-Q filed Aug 3, 2005. Non-standard auto
loss ratio for the Allstate brand increased 2.2 points
in the three months ended June 30, 2005 and 1.2 points during the first
six months of 2005 when compared to the same periods last year. Non-standard auto loss ratio for Encompass
brand increased 1.9 points in the three months ended June 30, 2005. These increases were due to higher current
year claim severity and an accrual for litigation, partially offset by lower
claim frequency, excluding catastrophes.
Non-standard auto loss ratio for Encompass brand declined 0.3 points
during the first six months of 2005 when compared to the same periods last year
due to lower claim frequency, partially offset by higher current year claim
severity.
29
This excerpt taken from the ALL 10-Q filed May 3, 2005. Non-standard auto loss ratio
increased 0.2 points for the Allstate brand in the first quarter of 2005 when
compared to the same period of 2004 due to higher catastrophes and higher
current year claim severity, partially offset by lower claim frequency,
excluding catastrophes. Non-standard
auto loss ratio declined 2.6 points for Encompass brand in the first quarter of
2005 when compared to the same period of 2004.
These declines were due to lower claim frequency, partially offset by
higher current year claim severity.
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