Lemonade LMND Car — Total incurred losses and ALAE, net

Other product segments

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$6.87B+546%

CINFCommercial Auto Line — Cumulative incurred losses and ALAE as reported within the triangles, net of reinsurance

275,600,000,000%+219,100,000,000pp

CINFPersonal Auto — Cumulative incurred losses and ALAE as reported within the triangles, net of reinsurance

254,600,000,000%+195,400,000,000pp

MCYProperty insurance product line, automobile — Incurred Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance

$20.03B+728%

TRVAutomobile — Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance (Audited for 2025)

3,450,500,000,000%+2,678,200,000,000pp

ALLAuto Insurance Liability Coverage — Incurred claims and allocated claim adjustment expenses, net of recoverables

$70.15B+341%

Questions, answered.

What is Lemonade's car — total incurred losses and ALAE, net?

Lemonade (LMND) reported car — total incurred losses and ALAE, net of $491M in Q4 2025.

How has Lemonade's car — total incurred losses and ALAE, net changed year-over-year?

Lemonade's car — total incurred losses and ALAE, net increased by 432.0% year-over-year, from $92.3M to $491M.

What does car — total incurred losses and ALAE, net mean?

This metric represents the total net losses and allocated loss adjustment expenses incurred by the car insurance segment during a specific period. It includes both paid claims and the estimated liability for unpaid claims, net of any reinsurance recoveries. Monitoring this figure is essential for assessing the underwriting profitability and risk exposure of the automotive insurance product line.