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Lemonade LMND Car — Total incurred losses and ALAE, net
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Where this comes from
Reported directly by Lemonade in its filing.
Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsIncurredClaimsAndAllocatedClaimAdjustmentExpenseNet.
The source filing: Lemonade’s 10-K, filed February 25, 2026.
- Filed
- Feb 25, 2026, 4:21 PM EST
- Fiscal year
- FY2025
- Accession
- 0001691421-26-000016
| Accident Year | December 31, 2016 | December 31, 2017 | December 31, 2018 | December 31, 2019 | December 31, 2020 | December 31, 2021 | December 31, 2022 | December 31, 2023 | December 31, 2024 | December 31, 2025 | December 31, 2025 / IBNR | December 31, 2025 / Cumulative Number of Reported Claims |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2019 | — | — | — | 24.2 | 24.9 | 23.2 | 24.6 | 33.2 | 31.6 | 31.3 | 0.2 | 51,136 |
| 2020 | — | — | — | — | 10.8 | 12.0 | 11.8 | 16.7 | 15.4 | 14.8 | 0.3 | 37,326 |
| 2021 | — | — | — | — | — | 75.3 | 75.3 | 86.8 | 84.7 | 82.9 | 0.8 | 43,119 |
| 2022 | — | — | — | — | — | — | 83.1 | 92.0 | 92.3 | 89.5 | 3.1 | 46,802 |
| 2023 (2) | — | — | — | — | — | — | — | 79.1 | 81.1 | 65.5 | 3.4 | 39,211 |
| 2024 (2) | — | — | — | — | — | — | — | — | 51.2 | 60.5 | 8.6 | 28,193 |
| 2025 (2) | — | — | — | — | — | — | — | — | — | 63.1 | 24.1 | 25,923 |
| Total incurred losses and ALAE, net | $491.0 | $40.5 | 346,498 |
Item 8. Financial Statements and Supplementary Data
FAQ
- 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.
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