Total of IBNR Liabilities Plus Expected Development on Reported Claims

Breakdown

Segment	Q4 '21	Q4 '22	Q4 '23	Q4 '24	Q4 '25
Specialty Personal Automobile Insurance—Liability	$607.1M	$552.2M	$537.1M	$506M	$630.3M
Commercial Automobile Insurance—Liability	$99.1M	$153M	$201.4M	$249M	$334.6M
Specialty Personal Automobile Insurance—Physical Damage	-$10.5M	$25.8M	-$9.7M	$7.1M	-$10.6M
Preferred Personal Automobile Insurance—Liability	$54.1M	$56.1M	$47.1M	$19.8M	$8.3M
Homeowners	$19.1M	$10M	$12.8M	$7.2M	$1.8M
Total	—	—	—	—	—

Commercial Automobile Insurance—LiabilityView metric

Commercial Automobile Insurance—Physical DamageView metric

Preferred Personal Automobile Insurance—LiabilityView metric

Preferred Personal Automobile Insurance—Physical DamageView metric

Specialty Personal Automobile Insurance—LiabilityView metric

Specialty Personal Automobile Insurance—Physical DamageView metric