COUNTRYWIDE LOSS AND DEFENSE COST CONTAINMENT · year state number of insurers direct premium...

CALENDAR YEAR

DIRECT PREMIUM WRITTEN

DIRECT PREMIUM EARNED

DIRECT LOSSES

INCURRED

DIRECT DEFENSE AND COST

CONTAINMENT EXPENSE INCURRED

LOSS AND DCC

RATIO1

2004 11,987,481,966 11,540,821,230 7,225,906,932 2,500,244,280 84.28%2005 12,200,603,382 11,927,645,736 6,177,562,888 2,724,496,917 74.63%2006 12,333,436,958 12,166,239,456 5,288,513,936 2,650,694,619 65.26%2007 11,683,325,207 11,746,051,191 4,788,663,246 2,302,868,636 60.37%2008 11,210,479,774 11,353,933,063 4,092,787,274 2,108,507,419 54.62%2009 10,816,183,520 10,835,284,565 4,012,060,052 2,018,784,762 55.66%2010 10,601,317,985 10,558,261,973 3,521,807,521 1,862,831,679 51.00%2011 10,286,426,723 10,297,417,134 3,657,093,645 1,973,170,359 54.68%2012 10,022,727,494 10,096,300,024 4,217,127,917 1,906,454,044 60.65%2013 9,792,280,017 9,842,300,593 3,971,037,438 1,877,747,822 59.42%2014 9,673,245,229 9,693,942,526 3,872,658,085 2,030,641,483 60.90%2015 9,393,109,307 9,518,778,817 4,103,610,339 2,130,970,537 65.50%2016 9,321,512,376 9,368,958,567 4,653,434,282 2,205,694,443 73.21%2017 9,196,649,016 9,192,281,801 4,594,509,473 1,910,502,829 70.77%2018 9,362,654,209 9,374,324,608 4,508,010,460 1,924,610,583 68.62%

MEAN 10,525,428,878 10,500,836,086 4,578,985,566 2,141,881,361 63.97%

MEDIAN 10,286,426,723 10,297,417,134 4,217,127,917 2,030,641,483 60.90%

1 Loss Ratio = (Direct Losses + Direct Defense and Cost Containment Expenses Incurred) / Direct Premiums Earned

COUNTRYWIDE SUMMARYOF MEDICAL PROFESSIONAL LIABILITY INSURANCE

CALENDAR YEARS 2004 - 2018

0.00%

20.00%

40.00%

60.00%

80.00%

100.00%

120.00%

140.00%

2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

INCURRED

LOSS AND DIREC

T DEFEN

SE COST

CONTA

INMEN

T EX

PEN

SES AS % OF EA

RNED

PREM

IUM

Calendar Year

COUNTRYWIDE LOSS AND DEFENSE COST CONTAINMENT

© 2019 National Association of Insurance Commissioners1

YEAR STATENUMBER OF INSURERS



DIRECT LOSSES INCURRED

DIRECT DCC EXPENSE INCURRED

LOSS & DCC

RATIO

COUNTRYWIDE SUMMARYOF MEDICAL PROFESIONAL LIABILITY INSURANCE

2004 - 2018

2004 COUNTRYWIDE 11,987,481,966 11,540,821,230 7,225,906,932 2,500,244,280 84.282004 MEAN 61 221,990,407 213,718,912 133,813,091 46,300,820 77.492004 MEDIAN 61 108,503,105 102,407,212 46,683,435 20,903,205 74.71

2004 AK 43 23,245,728 21,856,460 7,993,414 5,561,451 62.022004 AL 60 172,852,151 165,227,533 34,246,111 48,905,818 50.332004 AR 57 84,555,398 79,967,785 49,444,372 21,118,550 88.242004 AZ 78 261,659,589 251,952,022 157,918,990 56,050,696 84.922004 CA 88 966,070,889 915,451,522 410,525,440 233,035,925 70.302004 CO 62 154,944,903 147,400,654 70,273,221 41,110,297 75.572004 CT 69 225,707,503 221,089,603 120,076,129 32,105,886 68.832004 DC 35 53,486,422 51,642,646 31,039,818 7,451,175 74.532004 DE 52 38,302,943 32,413,657 29,116,705 6,427,742 109.662004 FL 92 860,312,215 843,715,450 487,285,139 271,627,036 89.952004 GA 85 417,474,261 389,439,158 275,734,837 83,092,955 92.142004 GU 5 708,418 1,054,914 46,412 20,273 6.322004 HI 44 35,580,389 33,224,995 33,022,806 7,691,419 122.542004 IA 64 99,537,871 95,963,495 47,436,788 12,504,609 62.462004 ID 62 40,877,859 39,136,166 23,063,360 6,437,424 75.382004 IL 104 759,601,195 732,706,290 635,371,576 153,266,444 107.632004 IN 67 107,323,572 101,649,046 89,472,357 26,909,374 114.492004 KS 66 94,031,879 92,754,515 25,884,518 21,764,777 51.372004 KY 71 159,609,498 158,296,929 100,626,903 25,772,286 79.852004 LA 59 120,536,314 113,998,686 41,831,058 35,235,993 67.602004 MA 58 277,259,102 274,422,576 152,210,628 64,527,862 78.982004 MD 70 280,641,404 264,752,649 246,032,986 59,224,373 115.302004 ME 50 46,626,933 47,730,436 26,608,397 9,103,580 74.822004 MI 76 274,368,468 265,623,064 147,231,419 71,638,385 82.402004 MN 57 86,949,284 84,557,286 54,049,406 8,700,988 74.212004 MO 83 247,007,675 242,987,986 132,558,793 51,771,766 75.862004 MS 58 56,664,495 52,793,894 25,315,646 2,930,824 53.502004 MT 53 39,094,689 38,342,739 31,517,162 8,606,198 104.642004 NC 77 310,444,108 290,074,361 147,373,317 46,703,352 66.912004 ND 43 17,605,032 16,480,892 8,558,295 2,699,470 68.312004 NE 52 34,087,647 33,850,975 12,831,858 7,599,755 60.362004 NH 49 44,936,943 45,495,835 37,768,621 12,728,350 110.992004 NJ 81 551,859,422 526,304,356 258,400,361 81,448,976 64.572004 NM 49 44,698,411 42,351,956 40,156,249 14,472,166 128.992004 NV 57 94,158,843 89,460,111 45,930,082 20,687,860 74.472004 NY 72 1,291,153,293 1,282,877,336 1,465,315,766 263,242,596 134.742004 OH 88 572,818,582 557,493,931 197,374,314 123,186,990 57.502004 OK 63 119,941,135 111,189,258 31,979,497 17,203,934 44.232004 OR 68 109,682,638 103,165,378 72,050,651 12,196,846 81.662004 PA 114 757,252,819 716,059,403 507,617,142 162,659,809 93.612004 PR 13 55,313,894 57,948,816 28,842,947 10,749,336 68.322004 RI 47 38,849,730 34,764,462 16,138,807 10,784,628 77.452004 SC 55 48,848,495 44,996,122 33,469,099 8,843,713 94.042004 SD 36 21,150,694 20,113,866 16,869,130 4,022,109 103.862004 TN 75 340,070,845 323,621,774 164,949,377 59,495,102 69.352004 TX 93 625,617,139 622,986,195 236,164,557 107,768,740 55.212004 UT 52 68,018,744 65,207,275 29,965,088 18,325,130 74.062004 VA 81 281,888,569 265,953,140 139,619,801 58,804,320 74.612004 VI 3 48,947 51,472 72,260 -33,124 76.032004 VT 44 23,565,280 22,055,512 18,723,505 694,695 88.042004 WA 73 270,490,409 257,942,642 130,365,720 36,785,592 64.802004 WI 57 115,077,319 106,098,215 43,998,844 18,705,323 59.102004 WV 63 143,455,277 122,805,756 55,384,855 24,968,176 65.432004 WY 47 21,416,704 21,320,035 52,398 2,906,330 13.88







LOSS & DCC

RATIO


2004 - 2018


2005 AK 36 25,057,131 24,117,826 1,707,159 2,569,499 17.732005 AL 57 180,025,809 178,264,689 52,833,437 54,321,858 60.112005 AR 59 83,681,965 84,612,429 44,967,411 18,817,471 75.382005 AZ 70 277,955,293 264,919,769 134,265,593 61,858,605 74.032005 CA 90 970,889,803 962,928,370 350,335,701 223,520,784 59.592005 CO 60 168,519,281 159,489,827 49,443,416 40,786,660 56.572005 CT 67 246,403,126 228,955,352 171,219,850 44,802,712 94.352005 DC 42 44,714,619 44,227,543 27,525,210 16,612,406 99.802005 DE 51 44,703,227 39,058,592 24,554,887 7,604,303 82.342005 FL 86 849,578,362 835,668,563 367,510,208 219,167,961 70.202005 GA 87 383,080,911 390,741,000 179,299,404 71,881,869 64.282005 GU 3 2,530,067 1,458,543 -59,449 -151,729 -14.482005 HI 40 38,125,311 35,845,074 8,028,648 5,543,689 37.862005 IA 68 104,021,334 103,070,110 38,099,030 18,286,420 54.712005 ID 57 46,004,467 44,304,629 32,300,466 9,956,811 95.382005 IL 104 738,956,249 730,882,023 532,312,427 157,653,426 94.402005 IN 69 130,522,209 122,695,879 34,552,413 36,479,662 57.892005 KS 61 101,738,376 101,166,664 32,417,698 29,083,930 60.792005 KY 73 179,383,272 173,778,329 83,944,515 37,737,963 70.022005 LA 58 113,192,585 111,333,640 47,743,860 34,680,042 74.032005 MA 58 304,069,290 299,130,847 219,989,981 60,332,416 93.712005 MD 72 312,873,957 306,789,523 211,988,350 59,248,278 88.412005 ME 45 53,214,404 51,252,180 23,548,878 9,500,538 64.482005 MI 73 268,227,944 271,685,369 51,770,933 64,273,041 42.712005 MN 51 94,943,050 92,443,243 48,165,942 13,603,731 66.822005 MO 85 232,525,016 232,702,814 121,378,022 74,960,067 84.372005 MS 56 59,408,309 55,413,315 39,681,920 1,469,275 74.262005 MT 48 42,632,691 41,452,398 32,257,124 8,910,307 99.312005 NC 71 322,480,762 310,213,000 114,425,247 47,807,643 52.302005 ND 41 16,822,677 19,063,606 10,262,158 3,660,625 73.032005 NE 49 36,858,620 35,278,079 14,634,443 8,088,904 64.412005 NH 47 43,757,288 44,484,351 21,787,844 4,306,161 58.662005 NJ 86 590,373,132 551,829,742 271,006,612 86,628,258 64.812005 NM 48 46,692,770 45,815,306 25,502,377 13,489,890 85.112005 NV 59 91,213,270 91,244,283 25,612,981 20,764,100 50.832005 NY 75 1,387,747,726 1,330,772,146 1,143,488,580 459,373,564 120.452005 OH 88 545,717,470 550,546,673 185,956,443 113,362,939 54.372005 OK 60 146,343,586 141,905,653 21,512,012 28,973,695 35.582005 OR 63 121,296,528 114,799,682 58,630,561 18,848,717 67.492005 PA 114 738,331,321 709,352,877 438,579,817 116,394,054 78.242005 PR 10 52,434,282 51,177,026 24,908,097 10,880,895 69.932005 RI 41 38,466,822 34,516,852 15,530,214 11,200,078 77.442005 SC 55 55,556,657 50,805,670 38,133,799 14,254,141 103.112005 SD 35 24,421,060 23,353,331 12,900,356 4,436,292 74.242005 TN 71 341,637,364 342,438,176 181,432,693 77,420,139 75.592005 TX 96 585,114,786 595,842,896 196,613,530 150,454,869 58.252005 UT 50 72,164,795 70,154,863 32,110,067 18,795,776 72.562005 VA 76 303,418,783 289,738,405 157,277,259 53,345,305 72.692005 VI 4 71,990 74,534 -72,132 27,496 -59.892005 VT 41 26,778,336 24,644,694 15,327,070 5,491,916 84.482005 WA 72 263,097,980 258,399,602 114,604,217 42,208,294 60.692005 WI 55 116,212,320 116,796,454 52,289,615 23,161,831 64.602005 WV 63 113,874,604 112,019,399 38,332,825 3,767,525 37.582005 WY 43 22,740,395 23,989,896 4,993,169 3,841,815 36.83







LOSS & DCC

RATIO


2004 - 2018


2006 AK 36 25,693,407 24,873,154 2,499,932 990,766 14.032006 AL 57 173,647,566 174,505,843 36,986,378 20,190,159 32.762006 AR 57 87,579,896 85,573,978 42,024,625 21,345,608 74.052006 AZ 74 297,566,803 291,995,151 124,179,510 51,756,965 60.252006 CA 87 972,751,468 947,809,946 269,994,490 207,253,775 50.352006 CO 59 212,102,022 205,859,089 79,034,189 37,067,710 56.402006 CT 62 222,537,258 224,273,979 132,485,073 31,617,521 73.172006 DC 42 44,578,641 44,992,334 14,088,819 10,438,328 54.512006 DE 58 50,877,770 45,639,359 20,912,100 9,719,164 67.122006 FL 97 847,262,005 844,137,935 340,562,853 242,897,992 69.122006 GA 83 372,752,823 370,055,163 91,452,368 83,060,918 47.162006 GU 4 1,113,213 1,382,807 62,110 385,942 32.402006 HI 38 36,882,686 37,749,545 12,158,807 5,752,411 47.452006 IA 61 100,095,191 97,215,171 29,512,170 18,582,399 49.472006 ID 56 47,622,322 44,968,995 10,179,528 7,116,396 38.462006 IL 96 730,146,351 727,361,752 277,608,412 152,527,586 59.142006 IN 75 135,377,608 133,864,976 43,781,211 43,050,519 64.872006 KS 60 98,319,845 99,811,729 19,666,254 32,834,451 52.602006 KY 67 172,679,671 174,254,719 70,347,682 34,258,352 60.032006 LA 58 104,426,432 107,932,838 24,146,295 26,840,268 47.242006 MA 54 296,397,155 296,530,730 131,954,203 72,973,457 69.112006 MD 71 337,341,018 325,626,241 112,797,943 44,365,452 48.262006 ME 44 58,739,562 56,620,581 35,844,879 8,446,100 78.222006 MI 71 253,833,925 269,316,018 57,254,629 77,992,917 50.222006 MN 51 100,098,709 96,495,649 59,184,276 13,507,340 75.332006 MO 79 238,838,148 239,839,586 77,302,840 50,156,024 53.142006 MS 59 57,163,143 57,545,986 7,408,126 5,957,477 23.232006 MT 51 44,540,683 44,133,202 22,342,401 6,190,988 64.652006 NC 72 317,271,090 309,499,326 103,582,180 53,756,229 50.842006 ND 41 17,696,247 17,629,104 8,614,920 1,804,828 59.112006 NE 52 37,643,926 35,817,369 16,772,519 8,165,652 69.632006 NH 46 43,685,118 43,160,570 19,663,825 7,549,830 63.052006 NJ 84 593,075,468 586,347,854 415,009,319 77,693,413 84.032006 NM 49 47,439,416 46,948,018 12,329,702 11,255,901 50.242006 NV 61 108,721,196 100,309,059 25,610,699 22,053,505 47.522006 NY 74 1,524,835,828 1,468,512,880 1,290,482,620 446,890,290 118.312006 OH 84 530,433,874 539,788,224 143,328,821 127,437,615 50.162006 OK 57 145,271,247 142,804,894 8,348,038 19,145,843 19.252006 OR 63 126,348,853 122,689,446 44,747,242 21,096,768 53.672006 PA 114 768,371,115 742,412,952 364,830,652 151,046,397 69.492006 PR 13 60,704,083 55,294,613 3,094,527 9,362,737 22.532006 RI 38 39,567,713 46,868,864 27,135,169 1,391,833 60.872006 SC 51 61,878,365 58,183,074 32,176,232 10,535,577 73.412006 SD 40 26,073,316 26,389,660 11,210,853 5,631,792 63.822006 TN 70 344,636,523 336,102,629 176,443,336 78,930,050 75.982006 TX 90 510,303,183 523,597,831 125,284,506 118,132,987 46.492006 UT 49 73,208,011 72,267,382 30,153,660 19,521,936 68.742006 VA 73 299,564,895 300,260,553 99,599,100 51,607,469 50.362006 VI 4 55,478 46,940 60,916 53,900 244.602006 VT 43 27,922,237 26,982,398 2,207,076 5,108,867 27.112006 WA 68 254,762,506 251,887,385 95,991,272 37,321,137 52.932006 WI 57 117,768,240 112,619,901 53,220,794 32,660,144 76.262006 WV 61 111,279,161 106,605,851 19,408,830 12,578,468 30.012006 WY 43 23,954,548 22,846,223 13,435,025 2,684,466 70.56







LOSS & DCC

RATIO


2004 - 2018


2007 AK 39 24,602,131 23,791,734 17,131,792 3,823,889 88.082007 AL 61 160,243,490 160,577,258 39,038,576 38,523,473 48.302007 AR 57 82,576,132 83,625,065 54,841,978 23,567,944 93.762007 AZ 75 293,224,474 285,387,940 107,344,606 47,552,084 54.282007 CA 90 909,344,528 913,755,097 250,865,093 188,983,072 48.142007 CO 60 182,823,421 186,160,615 63,989,707 34,846,876 53.092007 CT 57 217,446,348 218,828,757 185,406,377 26,561,673 96.862007 DC 47 41,653,456 40,780,224 29,821,095 6,072,426 88.022007 DE 59 42,716,014 42,730,207 14,819,121 7,628,007 52.532007 FL 98 662,686,883 697,567,800 138,050,597 109,871,469 35.542007 GA 82 334,097,794 343,289,879 132,383,841 64,398,191 57.322007 GU 4 663,220 908,171 65,410 -52,807 1.392007 HI 39 34,673,991 36,645,067 11,493,820 4,044,193 42.402007 IA 61 95,374,531 92,950,050 24,084,064 20,927,290 48.432007 ID 55 44,532,627 44,234,510 15,002,644 9,215,656 54.752007 IL 94 669,134,112 676,561,726 277,629,210 163,423,348 65.192007 IN 77 130,612,448 130,989,424 67,341,565 21,589,812 67.892007 KS 58 98,176,956 96,874,635 34,404,567 25,317,243 61.652007 KY 71 174,142,250 170,096,126 78,509,955 44,602,465 72.382007 LA 63 107,560,341 106,230,695 10,735,734 62,115,786 68.582007 MA 57 301,542,756 307,235,189 156,989,826 73,334,363 74.972007 MD 72 322,760,649 326,110,748 122,197,839 35,456,541 48.342007 ME 45 57,756,298 56,193,789 11,480,497 5,946,571 31.012007 MI 69 244,832,906 248,999,247 40,836,811 51,220,732 36.972007 MN 52 99,981,831 99,669,927 40,352,827 11,506,927 52.032007 MO 84 217,463,286 221,907,546 34,254,168 34,396,655 30.942007 MS 52 56,156,396 55,261,610 22,708,747 6,578,322 53.002007 MT 51 48,791,010 47,145,298 20,547,724 11,556,018 68.102007 NC 69 294,080,889 304,051,852 97,965,676 41,360,513 45.822007 ND 40 17,980,405 17,767,983 5,551,236 2,725,215 46.582007 NE 52 37,033,492 36,170,260 8,023,055 3,447,133 31.712007 NH 46 43,132,413 42,720,001 985,628 3,172,438 9.732007 NJ 84 593,110,153 590,644,653 320,286,276 86,102,637 68.802007 NM 53 50,625,936 47,893,243 26,901,913 11,050,052 79.242007 NV 62 106,826,847 110,520,768 14,750,924 31,486,943 41.842007 NY 89 1,669,627,160 1,645,331,342 1,226,954,719 415,933,420 99.852007 OH 85 471,566,801 481,199,389 119,383,055 36,677,592 32.432007 OK 61 135,784,319 132,546,631 67,669,109 27,260,459 71.622007 OR 57 110,761,321 113,524,850 50,255,713 19,210,471 61.192007 PA 117 734,624,041 709,802,215 376,955,816 102,916,712 67.612007 PR 18 62,981,659 62,014,796 34,470,100 15,790,488 81.052007 RI 42 47,543,469 47,397,829 18,778,562 15,380,232 72.072007 SC 51 52,247,857 53,501,619 18,862,681 10,448,372 54.792007 SD 43 25,710,383 25,069,543 10,668,091 6,672,072 69.172007 TN 68 338,729,748 348,105,293 114,302,567 110,884,762 64.692007 TX 91 391,885,251 411,056,886 -63,204,031 45,973,225 -4.192007 UT 51 72,406,121 70,520,816 30,709,312 24,132,360 77.772007 VA 72 282,631,756 286,383,769 71,787,590 49,844,881 42.472007 VI 6 106,008 101,452 180,090 25,821 202.962007 VT 45 26,343,649 26,721,144 31,047,697 5,825,411 137.992007 WA 66 239,968,917 241,434,335 87,219,132 35,804,222 50.962007 WI 57 114,084,836 115,072,464 58,601,365 31,016,773 77.882007 WV 63 83,586,813 87,944,229 46,261,052 31,642,440 88.582007 WY 45 24,374,684 24,045,495 10,967,727 5,075,773 66.72







LOSS & DCC

RATIO


2004 - 2018


2008 AK 43 24,013,766 23,762,354 209,643 1,244,746 6.122008 AL 66 153,135,006 154,290,412 35,623,789 20,234,276 36.202008 AR 62 83,573,573 84,238,741 11,836,179 16,182,171 33.262008 AZ 84 284,224,264 294,321,616 61,883,322 31,248,044 31.642008 CA 95 888,586,867 884,658,266 173,321,395 148,983,928 36.432008 CO 64 195,869,520 193,844,857 53,046,554 25,095,333 40.312008 CT 62 216,098,899 214,580,061 91,398,612 27,695,009 55.502008 DC 53 40,048,841 37,180,752 13,379,550 9,222,024 60.792008 DE 60 40,688,116 41,375,205 22,161,206 6,914,184 70.272008 FL 107 596,907,907 623,685,132 206,717,378 108,047,686 50.472008 GA 83 326,912,075 324,689,200 99,424,101 58,249,744 48.562008 GU 5 720,111 675,406 -67,677 -190,128 -38.172008 HI 42 36,075,436 36,230,521 5,154,792 3,250,628 23.202008 IA 67 77,590,708 81,948,074 36,208,459 8,479,670 54.532008 ID 62 41,241,173 42,188,887 -4,058,316 9,005,628 11.732008 IL 98 653,373,490 654,197,819 270,918,339 146,886,663 63.872008 IN 81 129,165,188 130,238,836 57,901,115 22,935,643 62.072008 KS 63 87,657,043 88,598,800 2,791,526 13,264,746 18.122008 KY 78 163,045,855 165,170,222 61,578,449 36,472,221 59.362008 LA 68 102,412,112 103,047,830 -15,117,017 28,427,340 12.922008 MA 62 311,579,290 309,228,982 155,340,404 66,756,031 71.822008 MD 74 303,048,457 303,751,738 119,214,843 51,256,249 56.122008 ME 49 55,086,789 55,377,768 24,684,567 6,525,556 56.362008 MI 80 233,272,662 243,445,256 64,858,124 45,854,512 45.482008 MN 56 96,491,910 97,623,538 45,883,976 14,617,683 61.972008 MO 92 206,810,696 210,430,815 47,651,932 36,594,282 40.042008 MS 59 50,530,700 52,374,881 874,295 4,119,098 9.532008 MT 51 43,330,241 43,474,345 10,655,904 8,386,596 43.802008 NC 78 276,457,088 280,129,347 31,563,838 44,163,980 27.032008 ND 38 14,468,129 14,697,723 6,365,303 1,750,572 55.222008 NE 52 35,935,098 36,629,708 12,710,346 7,927,889 56.342008 NH 48 42,227,533 42,003,890 20,119,302 6,985,794 64.532008 NJ 93 537,272,455 559,513,432 242,102,227 80,747,688 57.702008 NM 54 51,712,639 52,246,843 23,436,287 12,354,751 68.502008 NV 66 98,898,102 103,424,341 27,481,477 29,808,504 55.392008 NY 102 1,666,766,132 1,693,770,782 1,174,304,627 401,311,182 93.022008 OH 92 421,236,311 446,543,615 81,907,331 79,808,989 36.222008 OK 70 130,033,112 129,076,868 58,809,285 30,752,003 69.392008 OR 64 113,140,718 116,273,556 18,360,194 21,873,255 34.602008 PA 121 741,133,188 722,210,743 308,922,755 130,067,183 60.782008 PR 17 62,568,101 61,778,417 -3,969,195 14,831,243 17.582008 RI 44 44,920,164 45,238,353 32,338,370 7,717,803 88.542008 SC 58 52,465,411 51,834,871 45,847,977 15,450,568 118.262008 SD 40 22,222,634 22,278,401 2,250,627 3,821,340 27.252008 TN 76 304,409,739 304,073,026 79,121,507 83,219,976 53.392008 TX 96 360,406,482 368,935,210 17,433,496 40,840,943 15.802008 UT 50 73,952,913 72,531,468 30,287,607 25,904,745 77.472008 VA 77 262,992,195 269,735,005 85,270,538 35,699,268 44.852008 VI 7 104,585 86,193 -100,211 45,546 -63.422008 VT 46 26,551,829 27,043,023 23,225,834 2,465,950 95.002008 WA 72 214,726,778 219,027,919 89,741,282 38,178,933 58.402008 WI 59 108,953,412 114,044,390 4,342,710 23,580,448 24.482008 WV 65 78,860,478 80,220,539 12,844,600 11,800,793 30.722008 WY 51 26,573,853 25,955,086 14,593,716 1,638,510 62.54







LOSS & DCC

RATIO


2004 - 2018


2009 AK 48 22,800,660 22,907,798 2,679,006 2,421,145 22.262009 AL 74 155,025,373 145,726,372 22,701,513 7,504,267 20.732009 AR 65 81,698,651 81,023,245 31,646,663 19,496,550 63.122009 AZ 82 263,605,272 261,177,782 125,023,148 43,589,466 64.562009 CA 102 840,476,178 823,828,476 203,234,642 174,799,439 45.892009 CO 71 168,896,388 170,452,929 59,067,544 40,803,155 58.592009 CT 70 209,892,429 210,725,641 91,003,340 22,591,679 53.912009 DC 53 40,982,134 35,851,988 9,736,312 3,965,489 38.222009 DE 61 41,375,388 39,957,999 15,159,216 5,159,983 50.852009 FL 104 568,831,211 579,966,120 174,348,659 107,650,977 48.622009 GA 87 304,191,050 310,405,827 86,141,495 68,322,372 49.762009 GU 6 759,768 763,150 69,305 -138,910 -9.122009 HI 47 33,190,996 33,877,145 20,575,053 5,289,298 76.352009 IA 66 83,777,499 84,468,252 19,725,920 17,559,733 44.142009 ID 63 42,424,055 42,833,600 6,149,404 6,178,348 28.782009 IL 107 621,344,137 622,177,670 224,723,582 139,968,774 58.622009 IN 82 127,345,099 128,776,954 39,129,101 33,761,453 56.602009 KS 62 81,975,970 82,295,619 30,403,524 13,398,804 53.232009 KY 79 157,132,203 159,292,072 51,411,816 30,203,799 51.242009 LA 67 104,291,954 104,707,994 14,023,286 33,836,822 45.712009 MA 65 322,553,703 318,136,730 176,434,985 50,670,689 71.392009 MD 83 295,046,446 296,043,608 163,304,413 51,845,299 72.682009 ME 52 51,088,146 53,093,701 25,085,230 8,626,770 63.502009 MI 82 212,162,308 212,148,443 -36,734,691 23,576,107 -6.202009 MN 58 87,510,633 92,778,145 13,788,492 16,695,060 32.862009 MO 91 202,890,276 202,522,686 82,564,821 75,508,842 78.052009 MS 64 58,359,303 60,592,237 13,915,155 6,814,073 34.212009 MT 51 45,841,720 45,504,442 22,242,713 7,464,502 65.282009 NC 81 252,364,289 259,533,323 63,140,887 48,278,706 42.932009 ND 41 11,788,080 12,163,186 -7,384,133 1,570,251 -47.802009 NE 56 36,400,709 37,066,636 11,109,699 7,469,210 50.122009 NH 55 43,152,378 42,789,972 14,383,129 4,657,606 44.502009 NJ 93 526,314,728 524,291,562 227,172,468 81,720,996 58.922009 NM 60 46,962,943 49,660,411 25,237,956 10,925,497 72.822009 NV 69 95,514,847 96,580,053 42,370,502 26,983,351 71.812009 NY 106 1,641,560,793 1,645,579,310 1,001,015,987 318,166,916 80.172009 OH 98 384,588,769 407,024,849 74,186,707 30,641,627 25.752009 OK 75 128,321,809 126,458,082 77,089,599 25,663,372 81.252009 OR 67 107,425,405 113,678,875 43,947,166 15,678,751 52.452009 PA 125 741,495,683 721,187,234 342,079,338 146,170,071 67.702009 PR 16 72,675,450 64,107,237 10,468,463 8,903,037 30.222009 RI 49 45,764,559 44,567,325 15,948,378 4,239,265 45.302009 SC 65 58,084,942 55,945,369 37,502,728 10,479,223 85.772009 SD 42 21,260,833 22,287,050 3,287,105 2,189,023 24.572009 TN 78 293,554,708 297,700,788 37,415,844 80,097,367 39.472009 TX 101 344,930,217 352,218,643 65,863,118 59,539,412 35.602009 UT 56 72,188,078 70,777,136 21,555,847 18,940,070 57.222009 VA 79 238,124,818 237,381,579 73,212,239 29,469,335 43.262009 VI 9 184,359 159,104 53,291 13,617 42.052009 VT 49 22,096,107 21,614,061 -471,348 1,805,559 6.172009 WA 74 201,578,828 202,606,923 66,531,102 33,009,722 49.132009 WI 60 100,874,024 102,334,220 42,485,872 19,108,812 60.192009 WV 68 76,687,372 79,133,129 26,502,757 10,544,285 46.822009 WY 50 26,819,842 26,401,883 9,801,704 4,955,696 55.90







LOSS & DCC

RATIO


2004 - 2018


2010 AK 52 22,927,894 22,113,751 10,638,326 4,475,919 68.352010 AL 82 135,274,971 141,028,209 18,359,031 37,886,026 39.882010 AR 69 71,615,403 74,705,106 13,341,439 10,765,053 32.272010 AZ 91 253,065,097 259,881,725 49,360,245 31,346,320 31.062010 CA 103 820,264,942 816,743,557 225,336,052 154,108,505 46.462010 CO 81 166,468,203 165,358,035 30,551,885 29,789,133 36.492010 CT 71 187,939,784 183,497,648 27,896,177 36,293,941 34.982010 DC 56 38,124,683 38,449,055 7,488,930 4,734,717 31.792010 DE 66 39,445,963 39,662,337 16,223,560 9,250,205 64.232010 FL 113 567,345,078 575,348,707 156,799,245 111,226,222 46.582010 GA 93 318,755,048 317,267,687 84,117,350 56,658,660 44.372010 GU 7 396,079 775,105 8,601 129,400 17.802010 HI 51 25,080,504 23,230,251 3,211,361 1,986,946 22.382010 IA 71 82,721,406 83,336,827 22,821,644 13,763,650 43.902010 ID 71 36,833,030 37,515,328 18,194,538 7,903,254 69.572010 IL 108 624,298,457 612,118,825 213,280,810 139,387,552 57.612010 IN 89 124,907,087 123,761,900 30,476,902 26,098,080 45.712010 KS 70 77,590,617 77,019,514 11,420,540 15,244,033 34.622010 KY 85 146,660,314 147,830,980 34,905,494 23,542,685 39.542010 LA 72 102,663,607 102,421,251 -2,820,793 25,041,077 21.692010 MA 69 314,627,751 317,552,226 118,106,929 41,510,869 50.272010 MD 85 283,990,112 278,593,596 110,438,958 41,463,206 54.522010 ME 54 50,343,690 50,113,805 15,311,264 6,335,036 43.192010 MI 93 204,854,043 206,335,086 23,009,186 30,122,843 25.752010 MN 66 91,352,183 90,090,506 67,257,040 11,655,586 87.592010 MO 94 190,991,047 191,631,730 26,077,482 -26,281,081 -0.112010 MS 66 56,065,254 55,826,602 16,800,275 9,499,381 47.112010 MT 59 42,758,520 41,482,255 11,409,501 4,631,929 38.672010 NC 87 244,658,185 248,152,397 55,709,113 35,509,236 36.762010 ND 43 14,015,796 13,555,637 -1,518,998 -1,074,100 -19.132010 NE 61 36,885,608 36,200,378 9,170,468 4,971,158 39.062010 NH 60 41,838,997 42,225,978 17,835,583 6,635,260 57.952010 NJ 100 509,562,388 509,063,975 276,550,265 93,028,822 72.602010 NM 66 50,177,642 49,703,711 22,872,331 13,788,529 73.762010 NV 77 89,240,677 89,764,552 9,717,057 25,662,061 39.412010 NY 108 1,690,062,746 1,660,702,763 994,066,816 376,508,051 82.532010 OH 102 358,917,949 368,687,687 28,265,568 41,696,937 18.982010 OK 80 131,228,152 125,826,619 63,429,127 31,501,166 75.452010 OR 71 95,807,911 100,844,740 19,534,415 7,458,301 26.772010 PA 128 726,053,577 706,504,002 315,026,343 140,914,239 64.532010 PR 16 67,890,409 66,758,849 28,904,489 11,459,342 60.462010 RI 50 47,082,730 44,328,564 31,700,614 6,802,101 86.862010 SC 73 64,445,936 61,988,617 9,123,715 6,772,188 25.642010 SD 44 20,056,834 20,253,965 6,758,967 4,862,084 57.382010 TN 88 260,632,329 272,395,937 13,339,799 37,185,575 18.552010 TX 106 345,877,069 338,161,003 16,917,923 51,656,693 20.282010 UT 63 71,016,808 70,658,976 30,830,946 20,243,186 72.282010 VA 88 223,588,791 227,645,291 70,531,035 33,762,341 45.812010 VI 8 127,318 130,517 9,924 25,923 27.472010 VT 56 22,263,556 22,302,810 9,783,018 1,720,338 51.582010 WA 83 205,836,362 199,828,863 75,812,075 19,332,394 47.612010 WI 65 97,535,615 96,447,423 25,662,337 21,019,111 48.402010 WV 71 82,544,300 85,430,613 28,157,496 10,068,404 44.742010 WY 56 26,609,533 27,006,502 3,595,123 2,753,192 23.51







LOSS & DCC

RATIO


2004 - 2018


2011 AK 55 22,703,036 22,569,754 5,283,794 4,437,422 43.072011 AL 84 140,232,428 134,383,782 15,075,394 34,287,173 36.732011 AR 73 70,104,220 70,565,645 24,739,907 9,220,268 48.132011 AZ 96 238,798,321 243,554,374 42,444,063 27,266,351 28.622011 CA 110 813,965,769 813,171,873 270,666,539 206,673,899 58.702011 CO 85 159,664,914 162,100,874 31,793,025 36,781,172 42.302011 CT 80 174,677,021 173,950,178 38,723,899 22,437,832 35.162011 DC 57 37,097,641 35,723,555 7,911,853 3,275,629 31.322011 DE 66 39,262,583 38,662,188 15,460,778 8,393,669 61.702011 FL 121 554,897,141 551,792,585 137,514,467 90,172,353 41.262011 GA 99 284,732,961 287,325,088 80,713,512 39,432,178 41.822011 GU 6 742,415 709,844 -325,184 -80,257 -57.122011 HI 55 29,617,816 30,221,073 14,465,702 3,079,650 58.062011 IA 79 75,781,289 77,915,711 20,823,399 13,527,266 44.092011 ID 73 32,993,589 35,763,482 4,913,309 -3,338,719 4.402011 IL 113 606,985,871 595,109,760 155,032,063 132,819,255 48.372011 IN 96 128,357,925 125,128,486 34,807,872 16,217,942 40.782011 KS 78 76,282,306 75,794,642 10,228,036 10,266,022 27.042011 KY 94 138,764,485 139,196,990 48,916,743 32,870,470 58.762011 LA 74 102,314,196 101,774,774 9,084,379 30,489,509 38.882011 MA 76 314,106,416 318,377,905 94,571,551 33,855,508 40.342011 MD 93 280,971,476 280,715,508 93,076,467 53,940,393 52.372011 ME 56 47,101,680 50,174,333 10,051,329 6,991,090 33.972011 MI 98 201,800,996 203,651,134 41,078,298 45,340,264 42.432011 MN 71 87,947,162 88,920,597 34,407,969 14,178,668 54.642011 MO 93 176,537,172 186,180,291 36,920,185 24,117,677 32.782011 MS 70 59,532,616 58,025,273 16,110,574 8,225,517 41.942011 MT 68 42,709,825 41,768,321 19,369,574 6,481,225 61.892011 NC 94 226,826,114 230,370,354 43,610,348 43,608,803 37.862011 ND 45 13,359,083 13,227,884 6,268,199 2,466,827 66.032011 NE 64 36,378,230 36,977,306 13,401,301 7,814,714 57.382011 NH 61 38,065,299 39,753,664 14,569,332 7,439,895 55.362011 NJ 109 494,516,802 497,951,917 184,714,386 82,739,134 53.712011 NM 73 56,106,167 52,673,107 32,861,623 14,517,883 89.952011 NV 83 85,429,885 86,292,881 15,992,371 24,834,932 47.312011 NY 119 1,668,253,592 1,670,121,278 1,089,511,643 441,738,880 91.682011 OH 110 333,348,477 331,778,585 57,958,069 32,878,278 27.382011 OK 84 117,886,425 117,711,844 46,677,260 26,747,230 62.382011 OR 75 97,038,155 102,904,887 33,059,708 12,555,960 44.332011 PA 133 707,463,046 704,898,018 360,733,402 124,230,569 68.802011 PR 15 70,690,532 69,493,418 25,338,313 12,181,549 53.992011 RI 51 38,559,054 43,000,402 19,597,013 6,775,661 61.332011 SC 79 61,751,406 60,015,550 29,932,367 14,418,274 73.902011 SD 50 19,748,889 19,869,718 7,146,808 2,049,989 46.292011 TN 96 231,378,431 236,557,369 80,354,116 52,526,079 56.172011 TX 110 344,443,434 333,519,672 55,380,962 45,873,619 30.362011 UT 68 68,813,147 67,761,115 11,196,072 19,471,874 45.262011 VA 95 216,568,347 215,181,893 59,092,984 30,621,286 41.692011 VI 9 178,492 167,991 79,363 34,282 67.652011 VT 55 22,097,010 21,746,302 3,266,594 3,759,324 32.312011 WA 87 203,869,400 201,191,574 75,944,341 38,211,879 56.742011 WI 73 88,160,202 91,765,462 13,061,109 -1,693,491 12.392011 WV 78 80,427,757 83,139,392 49,023,708 10,657,499 71.782011 WY 59 26,386,077 26,117,531 14,462,756 5,350,004 75.86







LOSS & DCC

RATIO


2004 - 2018


2012 AK 56 22,107,229 21,852,515 3,583,030 4,453,763 36.782012 AL 87 131,549,749 135,006,107 26,632,852 -581,350 19.302012 AR 82 66,620,893 68,968,170 23,318,815 30,128,802 77.502012 AZ 97 227,339,783 231,957,597 64,637,840 37,310,360 43.952012 CA 117 771,236,555 778,475,576 303,977,790 180,689,970 62.262012 CO 92 165,411,318 163,236,335 42,288,831 33,274,256 46.292012 CT 85 172,811,640 183,494,981 50,135,872 17,860,396 37.062012 DC 62 36,631,372 40,193,105 3,230,913 17,861,691 52.482012 DE 72 38,710,439 38,916,116 74,063,389 14,853,243 228.482012 FL 121 545,298,004 541,516,401 254,423,993 85,627,110 62.802012 GA 103 284,826,676 290,085,290 104,133,689 46,579,999 51.952012 GU 5 690,131 700,137 171,632 121,094 41.812012 HI 58 29,742,309 28,835,945 978,021 3,622,009 15.952012 IA 84 73,594,673 73,497,107 33,954,632 11,085,637 61.282012 ID 74 30,880,764 31,442,593 6,739,894 5,674,728 39.482012 IL 116 569,055,046 586,778,511 168,409,905 88,884,699 43.852012 IN 101 118,524,013 118,539,245 30,468,074 41,689,899 60.872012 KS 81 68,131,368 70,095,681 15,658,404 6,411,386 31.492012 KY 100 127,762,959 131,292,753 65,366,869 34,480,715 76.052012 LA 75 102,179,896 102,725,002 32,970,523 16,442,186 48.102012 MA 81 307,565,195 319,998,588 159,335,880 52,340,782 66.152012 MD 96 283,059,524 277,011,897 166,465,701 53,581,844 79.442012 ME 60 46,768,856 47,211,823 17,682,621 10,944,982 60.642012 MI 104 201,196,791 199,178,203 64,759,798 9,155,069 37.112012 MN 77 84,933,616 86,070,505 28,221,114 6,273,631 40.082012 MO 105 161,399,270 164,772,743 35,058,761 30,514,630 39.802012 MS 76 52,333,368 54,544,389 15,065,094 10,047,552 46.042012 MT 66 41,492,137 41,078,441 3,701,386 8,089,467 28.702012 NC 97 210,370,797 220,114,970 69,215,164 36,998,506 48.252012 ND 52 11,387,597 10,871,892 565,469 1,433,629 18.392012 NE 70 35,474,134 35,286,140 10,534,453 4,438,177 42.432012 NH 70 39,145,975 36,770,040 39,908,347 6,526,439 126.282012 NJ 113 485,358,043 471,661,458 212,050,923 79,895,715 61.902012 NM 76 49,298,834 51,120,768 36,011,140 17,365,607 104.412012 NV 79 81,782,641 82,220,704 -2,530,712 9,135,631 8.032012 NY 126 1,672,174,738 1,678,630,701 1,131,283,716 392,530,148 90.782012 OH 117 323,358,275 334,835,653 37,918,254 36,318,949 22.172012 OK 85 114,630,448 113,837,251 34,114,277 20,040,114 47.572012 OR 80 93,012,574 93,418,316 45,822,319 20,559,188 71.062012 PA 140 705,849,379 696,539,552 287,992,578 136,351,316 60.922012 PR 16 69,427,899 69,815,833 34,630,485 13,552,063 69.012012 RI 55 42,721,218 40,409,648 42,257,266 9,886,719 129.042012 SC 81 61,701,972 64,551,687 31,332,137 11,368,125 66.152012 SD 50 19,268,262 19,529,819 4,220,995 3,090,916 37.442012 TN 98 233,570,974 232,573,806 139,112,948 98,638,261 102.232012 TX 115 324,832,317 332,873,668 94,914,260 37,059,067 39.652012 UT 66 64,046,289 64,868,172 10,465,005 13,364,994 36.742012 VA 99 208,587,270 212,417,980 81,855,110 32,663,083 53.912012 VI 11 200,702 180,447 37,298 13,925 28.392012 VT 59 20,681,844 20,259,718 5,844,727 481,682 31.232012 WA 96 201,288,240 193,933,337 71,213,593 39,639,267 57.162012 WI 79 86,781,133 85,979,216 -19,873,638 3,867,369 -18.622012 WV 79 81,043,656 81,108,845 11,224,358 17,210,438 35.062012 WY 62 24,878,709 25,014,647 11,572,122 6,606,166 72.67







LOSS & DCC

RATIO


2004 - 2018


2013 AK 62 22,443,385 22,176,485 -1,901,825 3,572,261 7.532013 AL 83 132,416,589 128,027,473 32,154,890 23,662,733 43.602013 AR 80 66,129,707 67,631,924 49,264,115 8,748,823 85.782013 AZ 96 228,906,403 232,761,249 63,598,910 35,725,541 42.672013 CA 114 742,926,878 729,233,278 291,670,948 182,509,736 65.022013 CO 89 159,268,522 161,177,694 51,270,015 22,806,915 45.962013 CT 83 151,758,261 154,473,296 51,797,407 24,813,005 49.592013 DC 63 31,720,634 36,147,390 2,714,404 4,238,456 19.232013 DE 74 37,780,394 38,636,925 14,722,946 7,047,204 56.352013 FL 123 595,893,712 592,326,554 282,460,451 62,126,039 58.182013 GA 109 260,079,561 258,545,671 94,679,391 56,935,381 58.642013 GU 6 843,043 762,339 -3,381 -18,886 -2.922013 HI 61 27,778,773 28,517,939 -243,713 2,777,527 8.882013 IA 80 67,766,165 69,189,543 4,381,910 9,364,092 19.872013 ID 77 30,599,395 30,905,109 9,095,763 7,450,370 53.542013 IL 121 542,701,608 555,064,799 147,788,402 118,237,578 47.932013 IN 106 117,510,411 121,233,567 22,605,440 14,035,465 30.222013 KS 78 64,645,021 65,602,345 20,039,087 15,423,020 54.062013 KY 96 122,792,641 123,428,350 51,153,212 27,823,795 63.992013 LA 76 103,265,118 105,123,878 22,790,192 13,111,066 34.152013 MA 83 306,906,865 308,969,453 102,682,579 63,521,523 53.792013 MD 98 248,761,508 251,281,783 357,255,054 34,360,911 155.852013 ME 57 43,115,347 43,950,355 5,699,002 4,971,110 24.282013 MI 107 192,896,592 194,785,799 65,267,597 36,125,901 52.052013 MN 76 82,254,490 81,621,631 31,671,600 8,077,572 48.702013 MO 104 151,984,768 157,589,897 38,694,353 14,031,136 33.462013 MS 77 54,991,505 50,717,519 15,362,869 6,497,286 43.102013 MT 66 40,562,957 41,072,816 15,893,106 7,412,629 56.742013 NC 97 198,776,291 203,847,887 18,762,191 34,314,689 26.042013 ND 49 11,400,104 11,960,287 2,488,948 311,334 23.412013 NE 66 36,708,369 36,088,119 15,897,459 7,230,701 64.092013 NH 71 38,509,844 39,655,525 16,864,971 3,906,739 52.382013 NJ 108 461,374,957 469,245,828 252,851,942 70,897,151 68.992013 NM 76 51,897,178 51,408,800 25,530,941 19,199,541 87.012013 NV 82 80,840,818 78,556,902 36,121,202 23,876,944 76.382013 NY 123 1,661,145,481 1,661,799,662 808,317,835 375,340,659 71.232013 OH 114 316,947,600 320,668,519 52,288,272 37,956,461 28.142013 OK 90 112,386,722 111,533,734 31,430,777 26,843,159 52.252013 OR 85 92,260,020 92,695,947 61,773,559 19,866,486 88.072013 PA 141 693,933,213 695,893,209 353,736,301 163,279,581 74.302013 PR 15 69,337,498 70,550,813 38,315,903 13,189,827 73.012013 RI 55 43,397,760 42,670,526 26,477,854 7,137,131 78.782013 SC 90 64,444,588 62,315,076 14,795,257 14,894,350 47.642013 SD 47 16,906,689 17,481,299 12,976,359 3,131,517 92.142013 TN 100 239,835,945 237,815,068 90,332,561 88,245,644 75.092013 TX 116 314,394,359 323,185,574 53,449,071 45,167,558 30.512013 UT 73 62,187,235 64,032,986 15,781,245 16,395,310 50.252013 VA 97 208,281,885 211,432,728 61,897,438 26,096,278 41.622013 VI 11 197,164 194,228 21,795 3,906 13.232013 VT 60 19,164,613 20,582,052 3,242,105 299,219 17.212013 WA 101 188,761,322 187,002,414 88,465,385 33,666,901 65.312013 WI 77 84,301,475 83,603,706 3,664,912 12,996,662 19.932013 WV 78 71,885,240 72,482,736 30,682,941 14,382,649 62.172013 WY 69 24,303,394 24,641,907 12,305,490 3,729,236 65.07







LOSS & DCC

RATIO


2004 - 2018


2014 AK 60 23,415,271 22,537,843 5,810,998 5,399,730 49.742014 AL 89 118,961,519 125,875,673 20,900,824 23,957,429 35.642014 AR 82 62,443,973 63,393,917 21,274,300 10,186,385 49.632014 AZ 107 219,732,551 220,772,985 66,123,281 35,995,791 46.262014 CA 125 754,339,896 736,270,038 358,841,891 212,560,249 77.612014 CO 98 155,749,791 155,522,114 37,703,838 26,243,518 41.122014 CT 96 168,095,353 171,698,926 103,091,323 39,166,069 82.852014 DC 68 30,654,852 33,704,547 10,577,142 4,300,636 44.142014 DE 80 34,316,338 35,850,299 10,983,024 5,165,653 45.042014 FL 120 593,263,143 583,525,484 160,270,006 109,903,638 46.302014 GA 114 254,346,213 256,211,539 111,990,587 49,860,210 63.172014 GU 6 773,968 787,762 313,100 137,217 57.162014 HI 61 29,360,208 28,823,776 24,896,896 3,903,254 99.922014 IA 84 68,254,185 67,333,721 10,681,030 7,464,916 26.952014 ID 80 31,226,918 30,670,784 10,804,320 9,072,486 64.812014 IL 126 527,421,729 539,973,999 169,326,567 131,287,914 55.672014 IN 102 120,582,900 121,433,020 37,457,864 29,982,363 55.542014 KS 80 59,527,375 61,738,770 52,468,782 19,489,113 116.552014 KY 100 107,826,881 115,135,453 56,755,019 34,200,738 79.002014 LA 81 101,395,620 101,914,606 12,736,482 20,226,378 32.342014 MA 92 307,478,585 311,756,794 86,281,899 56,007,697 45.642014 MD 102 273,185,360 271,459,367 112,007,461 50,644,843 59.922014 ME 66 41,674,988 41,280,532 9,156,152 3,549,200 30.782014 MI 104 191,985,938 191,557,149 61,012,599 51,047,312 58.502014 MN 80 79,444,530 79,513,040 33,379,156 9,015,844 53.322014 MO 106 144,753,748 145,256,665 51,944,930 32,757,426 58.312014 MS 79 49,971,290 54,034,418 -2,880,923 6,202,902 6.152014 MT 75 41,458,338 40,111,051 9,666,950 10,421,670 50.082014 NC 106 184,892,340 189,278,558 46,680,925 41,007,545 46.332014 ND 52 12,569,065 12,759,766 5,010,159 569,954 43.732014 NE 70 35,029,783 35,385,345 8,724,399 8,051,728 47.412014 NH 73 38,551,869 39,839,503 19,475,675 8,965,398 71.392014 NJ 114 456,519,144 452,989,966 234,661,937 103,859,412 74.732014 NM 82 51,928,643 53,553,600 57,691,971 20,343,845 145.722014 NV 87 73,504,895 76,916,519 9,345,701 35,246,173 57.972014 NY 127 1,735,782,804 1,722,338,516 919,719,005 335,051,050 72.852014 OH 114 293,886,783 303,712,691 78,530,728 50,566,600 42.512014 OK 89 100,774,535 103,188,497 37,949,790 19,676,531 55.852014 OR 93 91,246,464 92,769,833 45,368,314 19,094,781 69.492014 PA 142 654,086,726 628,844,504 308,764,067 119,194,657 68.052014 PR 14 68,651,296 68,272,203 26,397,438 11,721,569 55.832014 RI 59 38,622,814 40,539,835 16,325,452 9,431,497 63.532014 SC 95 64,526,978 63,874,787 40,003,635 16,296,041 88.142014 SD 50 17,312,909 17,282,904 5,820,716 2,460,812 47.922014 TN 100 234,059,381 230,923,032 85,170,275 53,885,437 60.222014 TX 121 306,117,254 314,428,361 55,671,495 57,325,290 35.942014 UT 79 58,208,056 58,356,760 15,339,867 11,806,028 46.522014 VA 104 196,735,037 201,942,266 26,349,593 35,558,695 30.662014 VI 12 239,321 214,220 116,177 100,240 101.032014 VT 58 17,376,830 17,679,392 3,705,332 2,514,573 35.182014 WA 100 176,091,879 182,667,960 126,304,500 40,671,315 91.412014 WI 74 79,094,967 82,508,264 3,719,672 9,560,902 16.102014 WV 78 72,231,336 71,570,101 33,769,515 15,625,025 69.022014 WY 69 23,562,659 23,960,871 18,466,249 3,905,804 93.37







LOSS & DCC

RATIO


2004 - 2018


2015 AK 64 23,547,386 23,146,743 2,093,624 4,770,763 29.662015 AL 97 122,502,327 116,458,875 23,835,381 32,045,226 47.982015 AR 83 64,082,534 63,083,369 39,354,884 21,454,997 96.402015 AZ 117 220,507,818 221,932,139 80,012,083 39,359,760 53.792015 CA 132 752,034,806 764,392,675 296,779,965 219,795,376 67.582015 CO 101 161,006,288 157,533,295 48,717,586 30,525,767 50.302015 CT 96 157,012,826 165,814,560 108,331,561 26,095,876 81.072015 DC 73 26,458,504 27,544,931 1,246,246 -2,920,375 -6.082015 DE 80 33,723,091 34,388,732 9,601,703 5,024,339 42.532015 FL 126 572,342,525 568,005,098 290,295,686 142,429,270 76.182015 GA 115 241,948,940 250,734,836 103,624,769 65,187,598 67.332015 GU 6 938,930 877,865 -278,531 -96,074 -42.672015 HI 69 27,272,126 27,387,565 14,840,306 6,286,851 77.142015 IA 85 66,108,812 67,139,775 27,875,792 9,628,699 55.862015 ID 81 30,209,847 29,997,721 5,609,388 6,536,534 40.492015 IL 133 499,580,495 510,722,549 255,827,810 121,898,875 73.962015 IN 108 116,202,413 117,510,486 37,575,074 27,544,615 55.422015 KS 85 61,167,796 60,582,900 9,283,327 15,007,003 40.092015 KY 98 106,286,274 105,568,357 48,286,551 9,979,771 55.192015 LA 84 102,126,733 101,335,966 12,870,889 31,234,438 43.522015 MA 93 300,744,103 303,751,435 128,760,128 38,242,250 54.982015 MD 113 276,781,880 280,157,785 91,977,417 57,110,878 53.222015 ME 62 46,581,284 42,520,588 18,743,388 4,794,022 55.362015 MI 112 190,549,782 190,545,812 65,950,944 26,549,983 48.552015 MN 84 78,305,382 78,379,647 13,885,232 11,768,029 32.732015 MO 107 141,805,998 143,470,675 26,862,113 32,249,618 41.202015 MS 85 48,353,816 49,758,170 12,686,536 8,119,808 41.812015 MT 79 41,208,081 40,076,899 19,961,593 7,680,267 68.972015 NC 108 180,681,804 177,119,667 40,512,997 33,004,180 41.512015 ND 51 9,753,915 10,115,929 8,743,555 1,754,439 103.782015 NE 71 33,283,765 33,654,737 18,081,027 8,345,179 78.522015 NH 78 37,783,518 37,688,364 18,445,583 9,620,804 74.472015 NJ 121 423,483,076 440,145,113 228,977,586 92,077,633 72.942015 NM 80 51,208,479 52,757,020 42,100,319 14,590,037 107.462015 NV 94 71,349,927 69,896,197 22,228,356 32,121,694 77.762015 NY 130 1,651,905,908 1,710,181,873 1,005,547,787 437,846,986 84.402015 OH 120 265,800,662 278,482,152 36,427,489 23,535,126 21.532015 OK 92 99,583,408 89,768,599 34,247,044 34,299,051 76.362015 OR 98 93,202,383 91,775,937 58,664,963 22,890,945 88.862015 PA 150 655,077,332 664,782,473 303,549,930 140,311,887 66.772015 PR 17 66,843,739 68,165,226 23,782,249 14,780,424 56.572015 RI 69 31,129,493 34,357,407 37,912,434 4,361,947 123.042015 SC 97 65,246,213 65,201,694 51,563,788 21,520,573 112.092015 SD 55 17,003,320 16,968,896 4,002,897 5,379,288 55.292015 TN 103 233,613,983 234,384,922 119,675,004 68,956,283 80.482015 TX 126 296,348,808 294,679,503 87,305,618 58,548,841 49.502015 UT 83 63,051,605 62,819,168 10,616,756 9,038,176 31.292015 VA 108 193,275,733 194,257,862 49,395,843 36,332,860 44.132015 VI 13 255,156 213,998 11,437 8 5.352015 VT 58 16,305,186 17,179,766 -688,311 1,001,953 1.832015 WA 104 160,798,607 163,569,442 70,286,086 36,810,261 65.472015 WI 77 78,560,753 80,282,739 3,861,445 8,156,892 14.972015 WV 79 64,305,574 63,775,266 33,041,767 11,751,017 70.242015 WY 67 23,866,163 23,735,419 705,245 5,629,889 26.69







LOSS & DCC

RATIO


2004 - 2018


2016 AK 66 23,479,636 23,446,085 4,783,437 4,054,894 37.702016 AL 100 116,216,006 120,925,781 32,947,821 32,977,892 54.522016 AR 87 64,212,524 64,601,793 32,682,734 16,035,180 75.412016 AZ 118 215,921,117 219,311,307 85,937,553 39,188,480 57.052016 CA 133 756,983,318 752,534,666 334,378,531 191,853,037 69.932016 CO 104 152,124,503 152,476,962 60,763,007 33,458,208 61.792016 CT 101 171,554,520 180,332,221 136,904,206 33,291,200 94.382016 DC 77 26,988,555 27,651,213 3,765,764 285,466 14.652016 DE 81 32,760,014 33,830,039 11,099,683 3,900,230 44.342016 FL 131 594,567,473 588,125,836 340,400,110 137,750,469 81.302016 GA 120 236,038,624 240,250,420 175,667,257 71,259,570 102.782016 GU 6 1,043,007 987,955 226,213 31,943 26.132016 HI 74 28,412,241 27,697,126 22,237,050 6,756,742 104.682016 IA 90 66,968,594 67,530,191 31,705,047 10,566,963 62.602016 ID 83 31,249,032 31,384,840 15,404,634 6,215,046 68.892016 IL 132 474,201,263 489,198,275 266,668,975 123,351,859 79.732016 IN 112 113,767,592 116,542,054 35,421,277 32,832,076 58.572016 KS 88 63,148,345 62,465,831 18,293,479 13,778,540 51.342016 KY 100 103,600,845 105,755,893 52,045,174 39,149,457 86.232016 LA 89 94,693,700 94,729,347 15,047,207 29,358,308 46.882016 MA 97 314,337,122 320,123,110 121,533,079 58,651,175 56.292016 MD 116 283,644,412 286,208,057 156,700,508 51,172,954 72.632016 ME 65 45,221,428 46,474,126 26,960,880 6,610,708 72.242016 MI 118 186,117,408 188,712,679 83,360,703 48,677,569 69.972016 MN 89 78,626,975 77,337,609 47,642,777 12,203,526 77.382016 MO 113 143,205,617 142,339,387 93,423,676 21,318,375 80.612016 MS 85 47,675,365 46,535,721 6,339,168 4,817,519 23.972016 MT 71 37,383,516 39,934,687 20,382,045 11,653,169 80.222016 NC 108 164,076,457 167,852,911 8,348,242 31,207,281 23.572016 ND 52 9,588,027 9,558,736 9,918,438 3,424,681 139.592016 NE 74 31,723,984 32,744,014 15,248,030 8,657,675 73.012016 NH 76 64,689,156 58,158,556 28,787,105 12,716,450 71.362016 NJ 128 418,525,410 422,313,330 243,306,699 72,705,078 74.832016 NM 86 52,428,957 52,204,148 38,933,216 17,871,659 108.812016 NV 94 69,771,603 69,114,906 13,890,713 18,963,466 47.542016 NY 130 1,629,216,038 1,637,824,063 991,616,231 410,373,589 85.602016 OH 121 231,047,583 240,735,945 28,403,973 21,627,358 20.782016 OK 96 94,755,270 95,057,971 41,763,687 37,687,494 83.582016 OR 96 91,826,306 92,771,359 52,946,220 18,666,834 77.192016 PA 147 684,053,209 666,807,153 378,865,440 218,525,885 89.592016 PR 19 68,267,022 66,294,864 21,564,098 18,862,218 60.982016 RI 67 29,171,748 28,022,638 33,259,851 8,525,879 149.112016 SC 97 64,606,242 65,309,805 50,688,800 26,806,597 118.662016 SD 56 15,209,493 15,254,362 -589,438 4,060,330 22.752016 TN 106 208,797,874 214,833,356 129,025,042 52,895,183 84.682016 TX 125 305,297,589 299,646,768 83,895,879 40,621,647 41.552016 UT 86 59,308,010 59,286,550 21,720,856 14,209,801 60.612016 VA 107 187,711,095 191,086,346 74,061,249 51,450,164 65.682016 VI 12 391,113 380,128 -26,132 -36,813 -16.562016 VT 57 17,077,836 16,103,199 6,539,796 2,161,548 54.032016 WA 110 156,825,982 158,121,150 75,888,643 25,937,146 64.402016 WI 74 76,397,760 74,706,315 -20,855,457 9,391,657 -15.352016 WV 78 62,839,164 63,713,300 81,808,493 30,710,482 176.602016 WY 71 23,766,696 23,613,483 11,702,613 6,470,599 76.96







LOSS & DCC

RATIO


2004 - 2018


2017 AK 66 23,630,676 23,884,245 14,323,480 5,691,284 83.802017 AL 94 122,394,054 119,261,101 53,576,928 18,037,681 60.052017 AR 84 62,592,631 61,602,809 44,543,261 11,795,513 91.452017 AZ 113 205,277,524 207,162,047 84,298,626 38,861,249 59.452017 CA 129 760,302,111 747,016,440 351,885,593 209,554,896 75.162017 CO 102 149,675,486 153,103,522 75,220,987 28,409,076 67.692017 CT 101 181,877,455 176,605,886 162,310,960 27,061,371 107.232017 DC 72 27,049,448 27,061,316 8,564,113 2,026,045 39.132017 DE 80 30,069,264 30,965,603 16,138,331 8,282,058 78.862017 FL 124 594,986,113 581,660,828 400,436,824 120,302,540 89.532017 GA 121 254,190,263 245,029,954 205,060,443 40,238,215 100.112017 GU 7 917,625 943,176 272,254 39,496 33.052017 HI 72 31,779,509 32,634,940 14,075,433 6,783,290 63.922017 IA 90 61,303,635 62,891,587 20,592,752 14,541,629 55.862017 ID 85 31,505,488 30,639,689 14,223,454 7,632,138 71.332017 IL 125 442,152,424 458,410,597 255,752,686 80,989,657 73.462017 IN 110 121,602,559 117,039,365 15,409,807 22,936,873 32.762017 KS 92 62,245,145 61,895,549 14,310,331 16,793,495 50.252017 KY 101 105,515,100 106,506,472 48,610,657 37,720,903 81.062017 LA 82 94,037,039 93,550,210 17,084,256 30,218,024 50.562017 MA 96 313,511,831 315,684,283 177,334,402 63,462,992 76.282017 MD 113 291,154,630 289,413,657 129,083,506 58,327,618 64.762017 ME 68 45,131,154 45,169,642 37,368,793 2,970,634 89.312017 MI 110 185,714,829 184,282,362 183,851,558 50,864,628 127.372017 MN 91 78,081,944 76,853,939 16,007,249 -125,798 20.662017 MO 116 141,194,309 137,350,630 81,338,363 30,084,345 81.122017 MS 84 43,561,538 48,846,136 9,264,241 7,743,196 34.822017 MT 72 47,973,631 42,264,182 38,239,051 11,454,010 117.582017 NC 102 165,578,661 166,055,112 20,708,620 25,300,967 27.712017 ND 54 9,424,312 9,076,775 -29,454,220 -2,079,998 -347.422017 NE 74 32,097,142 31,858,206 16,022,218 14,235,400 94.982017 NH 76 39,972,190 45,532,042 49,116,485 12,355,599 135.012017 NJ 118 403,195,731 409,191,520 115,363,984 54,125,596 41.422017 NM 91 58,340,024 53,704,463 42,685,886 28,652,445 132.842017 NV 97 64,881,875 65,446,111 23,325,571 17,994,581 63.142017 NY 133 1,549,238,557 1,568,109,215 880,393,442 340,386,839 77.852017 OH 117 228,850,304 232,817,726 7,916,724 77,781,472 36.812017 OK 99 95,902,060 96,053,577 46,517,407 4,732,302 53.362017 OR 100 91,341,796 90,474,136 31,409,848 7,495,102 43.002017 PA 144 646,129,908 654,290,206 438,269,985 135,115,695 87.632017 PR 16 68,983,651 67,313,021 20,031,800 15,448,444 52.712017 RI 68 28,148,571 31,741,417 18,653,195 2,322,508 66.082017 SC 93 73,064,464 68,650,707 58,303,360 23,261,340 118.812017 SD 64 15,305,321 15,307,076 -671,356 1,233,321 3.672017 TN 106 214,486,866 214,293,631 100,074,847 45,375,212 67.872017 TX 119 314,919,812 313,706,527 36,443,532 39,865,234 24.322017 UT 86 57,611,790 57,951,594 27,492,739 15,157,212 73.602017 VA 108 184,847,286 183,803,037 65,565,025 31,567,916 52.852017 VI 11 335,388 377,119 46,680 17,862 17.112017 VT 58 15,704,750 17,042,766 10,507,866 2,196,610 74.542017 WA 109 163,190,371 157,146,108 108,983,373 37,117,924 92.972017 WI 80 83,819,627 82,132,121 786,690 11,051,160 14.412017 WV 77 59,231,427 59,784,016 2,898,384 10,337,136 22.142017 WY 71 22,619,717 22,693,405 13,939,049 6,757,892 91.20







LOSS & DCC

RATIO


2004 - 2018


2018 AK 67 23,449,605 23,440,047 4,807,778 4,799,746 40.992018 AL 90 117,829,021 121,109,331 9,975,570 53,623,428 52.512018 AR 86 64,145,620 63,761,267 23,913,812 12,972,625 57.852018 AZ 108 202,203,700 205,217,060 83,135,630 35,015,150 57.572018 CA 124 758,932,851 757,865,006 327,513,285 166,142,492 65.142018 CO 98 149,174,655 149,782,305 62,067,969 27,927,036 60.082018 CT 96 183,986,889 189,956,376 149,890,990 37,614,985 98.712018 DC 74 27,723,666 27,541,040 1,200,195 638,768 6.682018 DE 83 29,891,684 30,079,901 13,306,737 8,309,184 71.862018 FL 123 603,908,761 603,118,102 354,783,466 121,797,511 79.022018 GA 119 307,204,650 300,168,725 248,813,982 60,802,399 103.152018 GU 6 2,614,247 826,270 1,032,398 87,839 135.582018 HI 71 29,953,812 29,151,286 7,919,157 5,709,822 46.752018 IA 89 62,973,836 62,704,301 70,081,834 12,068,445 131.012018 ID 87 31,031,878 31,159,465 16,626,685 6,635,326 74.652018 IL 126 457,413,998 462,924,386 278,746,027 112,515,160 84.522018 IN 112 124,664,899 124,108,898 49,500,424 30,843,619 64.742018 KS 91 64,130,518 63,823,118 32,041,757 20,888,675 82.932018 KY 100 115,793,194 110,062,340 78,473,597 33,745,576 101.962018 LA 82 93,124,001 92,893,932 12,502,618 17,728,858 32.542018 MA 96 319,639,705 321,349,340 40,699,942 75,202,133 36.072018 MD 111 286,321,702 287,609,406 137,138,595 35,870,220 60.152018 ME 70 40,206,026 45,804,712 34,307,495 3,203,193 81.892018 MI 113 188,108,556 186,320,318 65,198,699 31,268,983 51.782018 MN 85 79,408,009 78,012,047 54,597,121 11,178,716 84.312018 MO 110 149,573,910 147,541,414 87,734,664 17,388,695 71.252018 MS 82 47,645,014 45,383,903 4,093,116 8,144,809 26.972018 MT 72 44,626,592 43,580,888 24,483,057 9,586,933 78.182018 NC 107 167,625,460 165,409,021 37,329,410 30,314,069 40.892018 ND 54 9,921,256 9,329,871 6,333,665 2,378,678 93.382018 NE 75 33,750,875 31,872,591 19,419,959 8,583,570 87.862018 NH 77 45,049,416 46,298,132 34,446,298 12,188,260 100.732018 NJ 117 397,398,148 405,991,975 132,594,294 77,127,644 51.662018 NM 88 57,810,951 56,146,148 68,485,109 23,101,435 163.122018 NV 95 65,470,789 66,987,127 18,641,851 16,321,822 52.192018 NY 126 1,611,944,697 1,619,138,866 687,290,073 331,317,337 62.912018 OH 116 220,685,030 224,333,267 86,890,977 16,506,995 46.092018 OK 93 96,421,978 94,571,821 53,072,710 11,108,872 67.872018 OR 98 86,896,102 88,062,975 33,267,760 19,884,243 60.362018 PA 149 660,503,520 643,828,142 423,882,581 141,964,732 87.892018 PR 16 68,449,928 68,471,339 3,086,383 13,106,662 23.652018 RI 68 27,831,845 28,232,790 36,587,024 5,627,937 149.522018 SC 92 68,962,357 70,013,498 53,323,108 15,888,913 98.862018 SD 62 15,806,080 15,617,776 121,563 3,394,066 22.512018 TN 110 196,282,942 207,197,440 108,857,869 64,295,470 83.572018 TX 127 340,622,174 334,998,226 162,118,585 68,934,365 68.972018 UT 87 56,922,457 57,265,109 32,272,914 18,184,875 88.112018 VA 104 184,207,214 184,813,688 63,699,870 35,346,713 53.592018 VI 11 323,481 296,533 32,485 -13,001 6.572018 VT 66 15,068,313 16,113,439 5,422,524 2,040,753 46.322018 WA 102 161,729,173 164,605,618 91,111,983 26,212,502 71.282018 WI 86 75,646,302 77,220,872 17,651,127 3,952,916 27.982018 WV 79 69,780,011 70,439,608 49,752,194 11,410,503 86.832018 WY 69 21,862,711 21,773,552 7,731,544 3,719,926 52.59







LOSS & DCC

RATIO

2004 AK 43 23,245,728 21,856,460 7,993,414 5,561,451 62.02

2005 AK 36 25,057,131 24,117,826 1,707,159 2,569,499 17.73

2006 AK 36 25,693,407 24,873,154 2,499,932 990,766 14.03

2007 AK 39 24,602,131 23,791,734 17,131,792 3,823,889 88.08

2008 AK 43 24,013,766 23,762,354 209,643 1,244,746 6.12

2009 AK 48 22,800,660 22,907,798 2,679,006 2,421,145 22.26

2010 AK 52 22,927,894 22,113,751 10,638,326 4,475,919 68.35

2011 AK 55 22,703,036 22,569,754 5,283,794 4,437,422 43.07

2012 AK 56 22,107,229 21,852,515 3,583,030 4,453,763 36.78

2013 AK 62 22,443,385 22,176,485 -1,901,825 3,572,261 7.53

2014 AK 60 23,415,271 22,537,843 5,810,998 5,399,730 49.74

2015 AK 64 23,547,386 23,146,743 2,093,624 4,770,763 29.66

2016 AK 66 23,479,636 23,446,085 4,783,437 4,054,894 37.70

2017 AK 66 23,630,676 23,884,245 14,323,480 5,691,284 83.80

2018 AK 67 23,449,605 23,440,047 4,807,778 4,799,746 40.99

AK Average 55 23,447,237 23,115,578 5,534,078 3,856,641 40.62

2004 AL 60 172,852,151 165,227,533 34,246,111 48,905,818 50.33

2005 AL 57 180,025,809 178,264,689 52,833,437 54,321,858 60.11

2006 AL 57 173,647,566 174,505,843 36,986,378 20,190,159 32.76

2007 AL 61 160,243,490 160,577,258 39,038,576 38,523,473 48.30

2008 AL 66 153,135,006 154,290,412 35,623,789 20,234,276 36.20

2009 AL 74 155,025,373 145,726,372 22,701,513 7,504,267 20.73

2010 AL 82 135,274,971 141,028,209 18,359,031 37,886,026 39.88

2011 AL 84 140,232,428 134,383,782 15,075,394 34,287,173 36.73

2012 AL 87 131,549,749 135,006,107 26,632,852 -581,350 19.30

2013 AL 83 132,416,589 128,027,473 32,154,890 23,662,733 43.60

2014 AL 89 118,961,519 125,875,673 20,900,824 23,957,429 35.64

2015 AL 97 122,502,327 116,458,875 23,835,381 32,045,226 47.98

2016 AL 100 116,216,006 120,925,781 32,947,821 32,977,892 54.52

2017 AL 94 122,394,054 119,261,101 53,576,928 18,037,681 60.05

2018 AL 90 117,829,021 121,109,331 9,975,570 53,623,428 52.51

AL Average 82 136,879,085 136,705,863 28,292,996 26,334,493 40.63

2004 AR 57 84,555,398 79,967,785 49,444,372 21,118,550 88.24

2005 AR 59 83,681,965 84,612,429 44,967,411 18,817,471 75.38

2006 AR 57 87,579,896 85,573,978 42,024,625 21,345,608 74.05

2007 AR 57 82,576,132 83,625,065 54,841,978 23,567,944 93.76

2008 AR 62 83,573,573 84,238,741 11,836,179 16,182,171 33.26

2009 AR 65 81,698,651 81,023,245 31,646,663 19,496,550 63.12

2010 AR 69 71,615,403 74,705,106 13,341,439 10,765,053 32.27

2011 AR 73 70,104,220 70,565,645 24,739,907 9,220,268 48.13

2012 AR 82 66,620,893 68,968,170 23,318,815 30,128,802 77.50

2013 AR 80 66,129,707 67,631,924 49,264,115 8,748,823 85.78

2014 AR 82 62,443,973 63,393,917 21,274,300 10,186,385 49.63

2015 AR 83 64,082,534 63,083,369 39,354,884 21,454,997 96.40

2016 AR 87 64,212,524 64,601,793 32,682,734 16,035,180 75.41

2017 AR 84 62,592,631 61,602,809 44,543,261 11,795,513 91.45

2018 AR 86 64,145,620 63,761,267 23,913,812 12,972,625 57.85

AR Average 74 71,336,597 71,751,925 31,752,516 16,299,994 67.59

COUNTRYWIDE SUMMARY

OF MEDICAL PROFESIONAL LIABILITY INSURANCE

2004 - 2018







LOSS & DCC

RATIO

COUNTRYWIDE SUMMARY


2004 - 2018

2004 AZ 78 261,659,589 251,952,022 157,918,990 56,050,696 84.92

2005 AZ 70 277,955,293 264,919,769 134,265,593 61,858,605 74.03

2006 AZ 74 297,566,803 291,995,151 124,179,510 51,756,965 60.25

2007 AZ 75 293,224,474 285,387,940 107,344,606 47,552,084 54.28

2008 AZ 84 284,224,264 294,321,616 61,883,322 31,248,044 31.64

2009 AZ 82 263,605,272 261,177,782 125,023,148 43,589,466 64.56

2010 AZ 91 253,065,097 259,881,725 49,360,245 31,346,320 31.06

2011 AZ 96 238,798,321 243,554,374 42,444,063 27,266,351 28.62

2012 AZ 97 227,339,783 231,957,597 64,637,840 37,310,360 43.95

2013 AZ 96 228,906,403 232,761,249 63,598,910 35,725,541 42.67

2014 AZ 107 219,732,551 220,772,985 66,123,281 35,995,791 46.26

2015 AZ 117 220,507,818 221,932,139 80,012,083 39,359,760 53.79

2016 AZ 118 215,921,117 219,311,307 85,937,553 39,188,480 57.05

2017 AZ 113 205,277,524 207,162,047 84,298,626 38,861,249 59.45

2018 AZ 108 202,203,700 205,217,060 83,135,630 35,015,150 57.57

AZ Average 97 242,336,394 244,264,075 79,844,524 38,016,582 48.55

2004 CA 88 966,070,889 915,451,522 410,525,440 233,035,925 70.30

2005 CA 90 970,889,803 962,928,370 350,335,701 223,520,784 59.59

2006 CA 87 972,751,468 947,809,946 269,994,490 207,253,775 50.35

2007 CA 90 909,344,528 913,755,097 250,865,093 188,983,072 48.14

2008 CA 95 888,586,867 884,658,266 173,321,395 148,983,928 36.43

2009 CA 102 840,476,178 823,828,476 203,234,642 174,799,439 45.89

2010 CA 103 820,264,942 816,743,557 225,336,052 154,108,505 46.46

2011 CA 110 813,965,769 813,171,873 270,666,539 206,673,899 58.70

2012 CA 117 771,236,555 778,475,576 303,977,790 180,689,970 62.26

2013 CA 114 742,926,878 729,233,278 291,670,948 182,509,736 65.02

2014 CA 125 754,339,896 736,270,038 358,841,891 212,560,249 77.61

2015 CA 132 752,034,806 764,392,675 296,779,965 219,795,376 67.58

2016 CA 133 756,983,318 752,534,666 334,378,531 191,853,037 69.93

2017 CA 129 760,302,111 747,016,440 351,885,593 209,554,896 75.16

2018 CA 124 758,932,851 757,865,006 327,513,285 166,142,492 65.14

CA Average 112 810,934,321 805,058,069 281,420,478 187,992,952 59.13

2004 CO 62 154,944,903 147,400,654 70,273,221 41,110,297 75.57

2005 CO 60 168,519,281 159,489,827 49,443,416 40,786,660 56.57

2006 CO 59 212,102,022 205,859,089 79,034,189 37,067,710 56.40

2007 CO 60 182,823,421 186,160,615 63,989,707 34,846,876 53.09

2008 CO 64 195,869,520 193,844,857 53,046,554 25,095,333 40.31

2009 CO 71 168,896,388 170,452,929 59,067,544 40,803,155 58.59

2010 CO 81 166,468,203 165,358,035 30,551,885 29,789,133 36.49

2011 CO 85 159,664,914 162,100,874 31,793,025 36,781,172 42.30

2012 CO 92 165,411,318 163,236,335 42,288,831 33,274,256 46.29

2013 CO 89 159,268,522 161,177,694 51,270,015 22,806,915 45.96

2014 CO 98 155,749,791 155,522,114 37,703,838 26,243,518 41.12

2015 CO 101 161,006,288 157,533,295 48,717,586 30,525,767 50.30

2016 CO 104 152,124,503 152,476,962 60,763,007 33,458,208 61.79

2017 CO 102 149,675,486 153,103,522 75,220,987 28,409,076 67.69

2018 CO 98 149,174,655 149,782,305 62,067,969 27,927,036 60.08

CO Average 85 167,556,541 167,431,433 53,501,164 31,309,858 50.80







LOSS & DCC

RATIO

COUNTRYWIDE SUMMARY


2004 - 2018

2004 CT 69 225,707,503 221,089,603 120,076,129 32,105,886 68.83

2005 CT 67 246,403,126 228,955,352 171,219,850 44,802,712 94.35

2006 CT 62 222,537,258 224,273,979 132,485,073 31,617,521 73.17

2007 CT 57 217,446,348 218,828,757 185,406,377 26,561,673 96.86

2008 CT 62 216,098,899 214,580,061 91,398,612 27,695,009 55.50

2009 CT 70 209,892,429 210,725,641 91,003,340 22,591,679 53.91

2010 CT 71 187,939,784 183,497,648 27,896,177 36,293,941 34.98

2011 CT 80 174,677,021 173,950,178 38,723,899 22,437,832 35.16

2012 CT 85 172,811,640 183,494,981 50,135,872 17,860,396 37.06

2013 CT 83 151,758,261 154,473,296 51,797,407 24,813,005 49.59

2014 CT 96 168,095,353 171,698,926 103,091,323 39,166,069 82.85

2015 CT 96 157,012,826 165,814,560 108,331,561 26,095,876 81.07

2016 CT 101 171,554,520 180,332,221 136,904,206 33,291,200 94.38

2017 CT 101 181,877,455 176,605,886 162,310,960 27,061,371 107.23

2018 CT 96 183,986,889 189,956,376 149,890,990 37,614,985 98.71

CT Average 82 185,822,206 188,325,578 102,259,677 28,700,043 69.27

2004 DC 35 53,486,422 51,642,646 31,039,818 7,451,175 74.53

2005 DC 42 44,714,619 44,227,543 27,525,210 16,612,406 99.80

2006 DC 42 44,578,641 44,992,334 14,088,819 10,438,328 54.51

2007 DC 47 41,653,456 40,780,224 29,821,095 6,072,426 88.02

2008 DC 53 40,048,841 37,180,752 13,379,550 9,222,024 60.79

2009 DC 53 40,982,134 35,851,988 9,736,312 3,965,489 38.22

2010 DC 56 38,124,683 38,449,055 7,488,930 4,734,717 31.79

2011 DC 57 37,097,641 35,723,555 7,911,853 3,275,629 31.32

2012 DC 62 36,631,372 40,193,105 3,230,913 17,861,691 52.48

2013 DC 63 31,720,634 36,147,390 2,714,404 4,238,456 19.23

2014 DC 68 30,654,852 33,704,547 10,577,142 4,300,636 44.14

2015 DC 73 26,458,504 27,544,931 1,246,246 -2,920,375 -6.08

2016 DC 77 26,988,555 27,651,213 3,765,764 285,466 14.65

2017 DC 72 27,049,448 27,061,316 8,564,113 2,026,045 39.13

2018 DC 74 27,723,666 27,541,040 1,200,195 638,768 6.68

DC Average 61 34,593,264 34,832,419 8,748,103 4,933,792 36.53

2004 DE 52 38,302,943 32,413,657 29,116,705 6,427,742 109.66

2005 DE 51 44,703,227 39,058,592 24,554,887 7,604,303 82.34

2006 DE 58 50,877,770 45,639,359 20,912,100 9,719,164 67.12

2007 DE 59 42,716,014 42,730,207 14,819,121 7,628,007 52.53

2008 DE 60 40,688,116 41,375,205 22,161,206 6,914,184 70.27

2009 DE 61 41,375,388 39,957,999 15,159,216 5,159,983 50.85

2010 DE 66 39,445,963 39,662,337 16,223,560 9,250,205 64.23

2011 DE 66 39,262,583 38,662,188 15,460,778 8,393,669 61.70

2012 DE 72 38,710,439 38,916,116 74,063,389 14,853,243 228.48

2013 DE 74 37,780,394 38,636,925 14,722,946 7,047,204 56.35

2014 DE 80 34,316,338 35,850,299 10,983,024 5,165,653 45.04

2015 DE 80 33,723,091 34,388,732 9,601,703 5,024,339 42.53

2016 DE 81 32,760,014 33,830,039 11,099,683 3,900,230 44.34

2017 DE 80 30,069,264 30,965,603 16,138,331 8,282,058 78.86

2018 DE 83 29,891,684 30,079,901 13,306,737 8,309,184 71.86

DE Average 71 37,816,697 37,745,762 19,588,600 7,665,163 71.86







LOSS & DCC

RATIO

COUNTRYWIDE SUMMARY


2004 - 2018

2004 FL 92 860,312,215 843,715,450 487,285,139 271,627,036 89.95

2005 FL 86 849,578,362 835,668,563 367,510,208 219,167,961 70.20

2006 FL 97 847,262,005 844,137,935 340,562,853 242,897,992 69.12

2007 FL 98 662,686,883 697,567,800 138,050,597 109,871,469 35.54

2008 FL 107 596,907,907 623,685,132 206,717,378 108,047,686 50.47

2009 FL 104 568,831,211 579,966,120 174,348,659 107,650,977 48.62

2010 FL 113 567,345,078 575,348,707 156,799,245 111,226,222 46.58

2011 FL 121 554,897,141 551,792,585 137,514,467 90,172,353 41.26

2012 FL 121 545,298,004 541,516,401 254,423,993 85,627,110 62.80

2013 FL 123 595,893,712 592,326,554 282,460,451 62,126,039 58.18

2014 FL 120 593,263,143 583,525,484 160,270,006 109,903,638 46.30

2015 FL 126 572,342,525 568,005,098 290,295,686 142,429,270 76.18

2016 FL 131 594,567,473 588,125,836 340,400,110 137,750,469 81.30

2017 FL 124 594,986,113 581,660,828 400,436,824 120,302,540 89.53

2018 FL 123 603,908,761 603,118,102 354,783,466 121,797,511 79.02

FL Average 116 607,553,074 610,059,737 249,004,903 119,215,637 60.38

2004 GA 85 417,474,261 389,439,158 275,734,837 83,092,955 92.14

2005 GA 87 383,080,911 390,741,000 179,299,404 71,881,869 64.28

2006 GA 83 372,752,823 370,055,163 91,452,368 83,060,918 47.16

2007 GA 82 334,097,794 343,289,879 132,383,841 64,398,191 57.32

2008 GA 83 326,912,075 324,689,200 99,424,101 58,249,744 48.56

2009 GA 87 304,191,050 310,405,827 86,141,495 68,322,372 49.76

2010 GA 93 318,755,048 317,267,687 84,117,350 56,658,660 44.37

2011 GA 99 284,732,961 287,325,088 80,713,512 39,432,178 41.82

2012 GA 103 284,826,676 290,085,290 104,133,689 46,579,999 51.95

2013 GA 109 260,079,561 258,545,671 94,679,391 56,935,381 58.64

2014 GA 114 254,346,213 256,211,539 111,990,587 49,860,210 63.17

2015 GA 115 241,948,940 250,734,836 103,624,769 65,187,598 67.33

2016 GA 120 236,038,624 240,250,420 175,667,257 71,259,570 102.78

2017 GA 121 254,190,263 245,029,954 205,060,443 40,238,215 100.11

2018 GA 119 307,204,650 300,168,725 248,813,982 60,802,399 103.15

GA Average 102 290,775,129 291,850,714 124,477,137 58,537,341 64.32

2004 GU 5 708,418 1,054,914 46,412 20,273 6.32

2005 GU 3 2,530,067 1,458,543 -59,449 -151,729 -14.48

2006 GU 4 1,113,213 1,382,807 62,110 385,942 32.40

2007 GU 4 663,220 908,171 65,410 -52,807 1.39

2008 GU 5 720,111 675,406 -67,677 -190,128 -38.17

2009 GU 6 759,768 763,150 69,305 -138,910 -9.12

2010 GU 7 396,079 775,105 8,601 129,400 17.80

2011 GU 6 742,415 709,844 -325,184 -80,257 -57.12

2012 GU 5 690,131 700,137 171,632 121,094 41.81

2013 GU 6 843,043 762,339 -3,381 -18,886 -2.92

2014 GU 6 773,968 787,762 313,100 137,217 57.16

2015 GU 6 938,930 877,865 -278,531 -96,074 -42.67

2016 GU 6 1,043,007 987,955 226,213 31,943 26.13

2017 GU 7 917,625 943,176 272,254 39,496 33.05

2018 GU 6 2,614,247 826,270 1,032,398 87,839 135.58

GU Average 6 939,674 853,845 118,942 27,375 15.03







LOSS & DCC

RATIO

COUNTRYWIDE SUMMARY


2004 - 2018

2004 HI 44 35,580,389 33,224,995 33,022,806 7,691,419 122.54

2005 HI 40 38,125,311 35,845,074 8,028,648 5,543,689 37.86

2006 HI 38 36,882,686 37,749,545 12,158,807 5,752,411 47.45

2007 HI 39 34,673,991 36,645,067 11,493,820 4,044,193 42.40

2008 HI 42 36,075,436 36,230,521 5,154,792 3,250,628 23.20

2009 HI 47 33,190,996 33,877,145 20,575,053 5,289,298 76.35

2010 HI 51 25,080,504 23,230,251 3,211,361 1,986,946 22.38

2011 HI 55 29,617,816 30,221,073 14,465,702 3,079,650 58.06

2012 HI 58 29,742,309 28,835,945 978,021 3,622,009 15.95

2013 HI 61 27,778,773 28,517,939 -243,713 2,777,527 8.88

2014 HI 61 29,360,208 28,823,776 24,896,896 3,903,254 99.92

2015 HI 69 27,272,126 27,387,565 14,840,306 6,286,851 77.14

2016 HI 74 28,412,241 27,697,126 22,237,050 6,756,742 104.68

2017 HI 72 31,779,509 32,634,940 14,075,433 6,783,290 63.92

2018 HI 71 29,953,812 29,151,286 7,919,157 5,709,822 46.75

HI Average 57 30,755,416 30,846,321 11,674,053 4,557,125 52.85

2004 IA 64 99,537,871 95,963,495 47,436,788 12,504,609 62.46

2005 IA 68 104,021,334 103,070,110 38,099,030 18,286,420 54.71

2006 IA 61 100,095,191 97,215,171 29,512,170 18,582,399 49.47

2007 IA 61 95,374,531 92,950,050 24,084,064 20,927,290 48.43

2008 IA 67 77,590,708 81,948,074 36,208,459 8,479,670 54.53

2009 IA 66 83,777,499 84,468,252 19,725,920 17,559,733 44.14

2010 IA 71 82,721,406 83,336,827 22,821,644 13,763,650 43.90

2011 IA 79 75,781,289 77,915,711 20,823,399 13,527,266 44.09

2012 IA 84 73,594,673 73,497,107 33,954,632 11,085,637 61.28

2013 IA 80 67,766,165 69,189,543 4,381,910 9,364,092 19.87

2014 IA 84 68,254,185 67,333,721 10,681,030 7,464,916 26.95

2015 IA 85 66,108,812 67,139,775 27,875,792 9,628,699 55.86

2016 IA 90 66,968,594 67,530,191 31,705,047 10,566,963 62.60

2017 IA 90 61,303,635 62,891,587 20,592,752 14,541,629 55.86

2018 IA 89 62,973,836 62,704,301 70,081,834 12,068,445 131.01

IA Average 77 75,562,348 76,009,255 27,111,435 12,889,261 53.69

2004 ID 62 40,877,859 39,136,166 23,063,360 6,437,424 75.38

2005 ID 57 46,004,467 44,304,629 32,300,466 9,956,811 95.38

2006 ID 56 47,622,322 44,968,995 10,179,528 7,116,396 38.46

2007 ID 55 44,532,627 44,234,510 15,002,644 9,215,656 54.75

2008 ID 62 41,241,173 42,188,887 -4,058,316 9,005,628 11.73

2009 ID 63 42,424,055 42,833,600 6,149,404 6,178,348 28.78

2010 ID 71 36,833,030 37,515,328 18,194,538 7,903,254 69.57

2011 ID 73 32,993,589 35,763,482 4,913,309 -3,338,719 4.40

2012 ID 74 30,880,764 31,442,593 6,739,894 5,674,728 39.48

2013 ID 77 30,599,395 30,905,109 9,095,763 7,450,370 53.54

2014 ID 80 31,226,918 30,670,784 10,804,320 9,072,486 64.81

2015 ID 81 30,209,847 29,997,721 5,609,388 6,536,534 40.49

2016 ID 83 31,249,032 31,384,840 15,404,634 6,215,046 68.89

2017 ID 85 31,505,488 30,639,689 14,223,454 7,632,138 71.33

2018 ID 87 31,031,878 31,159,465 16,626,685 6,635,326 74.65

ID Average 73 35,565,394 35,669,616 9,914,250 6,561,322 47.76







LOSS & DCC

RATIO

COUNTRYWIDE SUMMARY


2004 - 2018

2004 IL 104 759,601,195 732,706,290 635,371,576 153,266,444 107.63

2005 IL 104 738,956,249 730,882,023 532,312,427 157,653,426 94.40

2006 IL 96 730,146,351 727,361,752 277,608,412 152,527,586 59.14

2007 IL 94 669,134,112 676,561,726 277,629,210 163,423,348 65.19

2008 IL 98 653,373,490 654,197,819 270,918,339 146,886,663 63.87

2009 IL 107 621,344,137 622,177,670 224,723,582 139,968,774 58.62

2010 IL 108 624,298,457 612,118,825 213,280,810 139,387,552 57.61

2011 IL 113 606,985,871 595,109,760 155,032,063 132,819,255 48.37

2012 IL 116 569,055,046 586,778,511 168,409,905 88,884,699 43.85

2013 IL 121 542,701,608 555,064,799 147,788,402 118,237,578 47.93

2014 IL 126 527,421,729 539,973,999 169,326,567 131,287,914 55.67

2015 IL 133 499,580,495 510,722,549 255,827,810 121,898,875 73.96

2016 IL 132 474,201,263 489,198,275 266,668,975 123,351,859 79.73

2017 IL 125 442,152,424 458,410,597 255,752,686 80,989,657 73.46

2018 IL 126 457,413,998 462,924,386 278,746,027 112,515,160 84.52

IL Average 115 570,600,691 576,200,051 227,824,061 127,090,686 62.45

2004 IN 67 107,323,572 101,649,046 89,472,357 26,909,374 114.49

2005 IN 69 130,522,209 122,695,879 34,552,413 36,479,662 57.89

2006 IN 75 135,377,608 133,864,976 43,781,211 43,050,519 64.87

2007 IN 77 130,612,448 130,989,424 67,341,565 21,589,812 67.89

2008 IN 81 129,165,188 130,238,836 57,901,115 22,935,643 62.07

2009 IN 82 127,345,099 128,776,954 39,129,101 33,761,453 56.60

2010 IN 89 124,907,087 123,761,900 30,476,902 26,098,080 45.71

2011 IN 96 128,357,925 125,128,486 34,807,872 16,217,942 40.78

2012 IN 101 118,524,013 118,539,245 30,468,074 41,689,899 60.87

2013 IN 106 117,510,411 121,233,567 22,605,440 14,035,465 30.22

2014 IN 102 120,582,900 121,433,020 37,457,864 29,982,363 55.54

2015 IN 108 116,202,413 117,510,486 37,575,074 27,544,615 55.42

2016 IN 112 113,767,592 116,542,054 35,421,277 32,832,076 58.57

2017 IN 110 121,602,559 117,039,365 15,409,807 22,936,873 32.76

2018 IN 112 124,664,899 124,108,898 49,500,424 30,843,619 64.74

IN Average 96 123,740,011 123,782,093 38,605,825 27,962,951 53.54

2004 KS 66 94,031,879 92,754,515 25,884,518 21,764,777 51.37

2005 KS 61 101,738,376 101,166,664 32,417,698 29,083,930 60.79

2006 KS 60 98,319,845 99,811,729 19,666,254 32,834,451 52.60

2007 KS 58 98,176,956 96,874,635 34,404,567 25,317,243 61.65

2008 KS 63 87,657,043 88,598,800 2,791,526 13,264,746 18.12

2009 KS 62 81,975,970 82,295,619 30,403,524 13,398,804 53.23

2010 KS 70 77,590,617 77,019,514 11,420,540 15,244,033 34.62

2011 KS 78 76,282,306 75,794,642 10,228,036 10,266,022 27.04

2012 KS 81 68,131,368 70,095,681 15,658,404 6,411,386 31.49

2013 KS 78 64,645,021 65,602,345 20,039,087 15,423,020 54.06

2014 KS 80 59,527,375 61,738,770 52,468,782 19,489,113 116.55

2015 KS 85 61,167,796 60,582,900 9,283,327 15,007,003 40.09

2016 KS 88 63,148,345 62,465,831 18,293,479 13,778,540 51.34

2017 KS 92 62,245,145 61,895,549 14,310,331 16,793,495 50.25

2018 KS 91 64,130,518 63,823,118 32,041,757 20,888,675 82.93

KS Average 76 74,076,793 74,353,779 20,846,893 16,778,195 51.84







LOSS & DCC

RATIO

COUNTRYWIDE SUMMARY


2004 - 2018

2004 KY 71 159,609,498 158,296,929 100,626,903 25,772,286 79.85

2005 KY 73 179,383,272 173,778,329 83,944,515 37,737,963 70.02

2006 KY 67 172,679,671 174,254,719 70,347,682 34,258,352 60.03

2007 KY 71 174,142,250 170,096,126 78,509,955 44,602,465 72.38

2008 KY 78 163,045,855 165,170,222 61,578,449 36,472,221 59.36

2009 KY 79 157,132,203 159,292,072 51,411,816 30,203,799 51.24

2010 KY 85 146,660,314 147,830,980 34,905,494 23,542,685 39.54

2011 KY 94 138,764,485 139,196,990 48,916,743 32,870,470 58.76

2012 KY 100 127,762,959 131,292,753 65,366,869 34,480,715 76.05

2013 KY 96 122,792,641 123,428,350 51,153,212 27,823,795 63.99

2014 KY 100 107,826,881 115,135,453 56,755,019 34,200,738 79.00

2015 KY 98 106,286,274 105,568,357 48,286,551 9,979,771 55.19

2016 KY 100 103,600,845 105,755,893 52,045,174 39,149,457 86.23

2017 KY 101 105,515,100 106,506,472 48,610,657 37,720,903 81.06

2018 KY 100 115,793,194 110,062,340 78,473,597 33,745,576 101.96

KY Average 90 134,000,206 134,891,594 57,412,401 32,234,688 68.06

2004 LA 59 120,536,314 113,998,686 41,831,058 35,235,993 67.60

2005 LA 58 113,192,585 111,333,640 47,743,860 34,680,042 74.03

2006 LA 58 104,426,432 107,932,838 24,146,295 26,840,268 47.24

2007 LA 63 107,560,341 106,230,695 10,735,734 62,115,786 68.58

2008 LA 68 102,412,112 103,047,830 -15,117,017 28,427,340 12.92

2009 LA 67 104,291,954 104,707,994 14,023,286 33,836,822 45.71

2010 LA 72 102,663,607 102,421,251 -2,820,793 25,041,077 21.69

2011 LA 74 102,314,196 101,774,774 9,084,379 30,489,509 38.88

2012 LA 75 102,179,896 102,725,002 32,970,523 16,442,186 48.10

2013 LA 76 103,265,118 105,123,878 22,790,192 13,111,066 34.15

2014 LA 81 101,395,620 101,914,606 12,736,482 20,226,378 32.34

2015 LA 84 102,126,733 101,335,966 12,870,889 31,234,438 43.52

2016 LA 89 94,693,700 94,729,347 15,047,207 29,358,308 46.88

2017 LA 82 94,037,039 93,550,210 17,084,256 30,218,024 50.56

2018 LA 82 93,124,001 92,893,932 12,502,618 17,728,858 32.54

LA Average 75 101,114,673 101,414,486 12,773,389 28,082,312 40.24

2004 MA 58 277,259,102 274,422,576 152,210,628 64,527,862 78.98

2005 MA 58 304,069,290 299,130,847 219,989,981 60,332,416 93.71

2006 MA 54 296,397,155 296,530,730 131,954,203 72,973,457 69.11

2007 MA 57 301,542,756 307,235,189 156,989,826 73,334,363 74.97

2008 MA 62 311,579,290 309,228,982 155,340,404 66,756,031 71.82

2009 MA 65 322,553,703 318,136,730 176,434,985 50,670,689 71.39

2010 MA 69 314,627,751 317,552,226 118,106,929 41,510,869 50.27

2011 MA 76 314,106,416 318,377,905 94,571,551 33,855,508 40.34

2012 MA 81 307,565,195 319,998,588 159,335,880 52,340,782 66.15

2013 MA 83 306,906,865 308,969,453 102,682,579 63,521,523 53.79

2014 MA 92 307,478,585 311,756,794 86,281,899 56,007,697 45.64

2015 MA 93 300,744,103 303,751,435 128,760,128 38,242,250 54.98

2016 MA 97 314,337,122 320,123,110 121,533,079 58,651,175 56.29

2017 MA 96 313,511,831 315,684,283 177,334,402 63,462,992 76.28

2018 MA 96 319,639,705 321,349,340 40,699,942 75,202,133 36.07

MA Average 79 310,076,191 312,976,520 126,925,062 57,425,344 59.01







LOSS & DCC

RATIO

COUNTRYWIDE SUMMARY


2004 - 2018

2004 MD 70 280,641,404 264,752,649 246,032,986 59,224,373 115.30

2005 MD 72 312,873,957 306,789,523 211,988,350 59,248,278 88.41

2006 MD 71 337,341,018 325,626,241 112,797,943 44,365,452 48.26

2007 MD 72 322,760,649 326,110,748 122,197,839 35,456,541 48.34

2008 MD 74 303,048,457 303,751,738 119,214,843 51,256,249 56.12

2009 MD 83 295,046,446 296,043,608 163,304,413 51,845,299 72.68

2010 MD 85 283,990,112 278,593,596 110,438,958 41,463,206 54.52

2011 MD 93 280,971,476 280,715,508 93,076,467 53,940,393 52.37

2012 MD 96 283,059,524 277,011,897 166,465,701 53,581,844 79.44

2013 MD 98 248,761,508 251,281,783 357,255,054 34,360,911 155.85

2014 MD 102 273,185,360 271,459,367 112,007,461 50,644,843 59.92

2015 MD 113 276,781,880 280,157,785 91,977,417 57,110,878 53.22

2016 MD 116 283,644,412 286,208,057 156,700,508 51,172,954 72.63

2017 MD 113 291,154,630 289,413,657 129,083,506 58,327,618 64.76

2018 MD 111 286,321,702 287,609,406 137,138,595 35,870,220 60.15

MD Average 94 289,697,475 288,767,953 143,973,747 47,645,878 67.56

2004 ME 50 46,626,933 47,730,436 26,608,397 9,103,580 74.82

2005 ME 45 53,214,404 51,252,180 23,548,878 9,500,538 64.48

2006 ME 44 58,739,562 56,620,581 35,844,879 8,446,100 78.22

2007 ME 45 57,756,298 56,193,789 11,480,497 5,946,571 31.01

2008 ME 49 55,086,789 55,377,768 24,684,567 6,525,556 56.36

2009 ME 52 51,088,146 53,093,701 25,085,230 8,626,770 63.50

2010 ME 54 50,343,690 50,113,805 15,311,264 6,335,036 43.19

2011 ME 56 47,101,680 50,174,333 10,051,329 6,991,090 33.97

2012 ME 60 46,768,856 47,211,823 17,682,621 10,944,982 60.64

2013 ME 57 43,115,347 43,950,355 5,699,002 4,971,110 24.28

2014 ME 66 41,674,988 41,280,532 9,156,152 3,549,200 30.78

2015 ME 62 46,581,284 42,520,588 18,743,388 4,794,022 55.36

2016 ME 65 45,221,428 46,474,126 26,960,880 6,610,708 72.24

2017 ME 68 45,131,154 45,169,642 37,368,793 2,970,634 89.31

2018 ME 70 40,206,026 45,804,712 34,307,495 3,203,193 81.89

ME Average 58 48,370,404 48,768,135 20,952,007 6,147,306 55.44

2004 MI 76 274,368,468 265,623,064 147,231,419 71,638,385 82.40

2005 MI 73 268,227,944 271,685,369 51,770,933 64,273,041 42.71

2006 MI 71 253,833,925 269,316,018 57,254,629 77,992,917 50.22

2007 MI 69 244,832,906 248,999,247 40,836,811 51,220,732 36.97

2008 MI 80 233,272,662 243,445,256 64,858,124 45,854,512 45.48

2009 MI 82 212,162,308 212,148,443 -36,734,691 23,576,107 -6.20

2010 MI 93 204,854,043 206,335,086 23,009,186 30,122,843 25.75

2011 MI 98 201,800,996 203,651,134 41,078,298 45,340,264 42.43

2012 MI 104 201,196,791 199,178,203 64,759,798 9,155,069 37.11

2013 MI 107 192,896,592 194,785,799 65,267,597 36,125,901 52.05

2014 MI 104 191,985,938 191,557,149 61,012,599 51,047,312 58.50

2015 MI 112 190,549,782 190,545,812 65,950,944 26,549,983 48.55

2016 MI 118 186,117,408 188,712,679 83,360,703 48,677,569 69.97

2017 MI 110 185,714,829 184,282,362 183,851,558 50,864,628 127.37

2018 MI 113 188,108,556 186,320,318 65,198,699 31,268,983 51.78

MI Average 97 206,717,441 209,175,193 59,977,250 40,599,755 49.23







LOSS & DCC

RATIO

COUNTRYWIDE SUMMARY


2004 - 2018

2004 MN 57 86,949,284 84,557,286 54,049,406 8,700,988 74.21

2005 MN 51 94,943,050 92,443,243 48,165,942 13,603,731 66.82

2006 MN 51 100,098,709 96,495,649 59,184,276 13,507,340 75.33

2007 MN 52 99,981,831 99,669,927 40,352,827 11,506,927 52.03

2008 MN 56 96,491,910 97,623,538 45,883,976 14,617,683 61.97

2009 MN 58 87,510,633 92,778,145 13,788,492 16,695,060 32.86

2010 MN 66 91,352,183 90,090,506 67,257,040 11,655,586 87.59

2011 MN 71 87,947,162 88,920,597 34,407,969 14,178,668 54.64

2012 MN 77 84,933,616 86,070,505 28,221,114 6,273,631 40.08

2013 MN 76 82,254,490 81,621,631 31,671,600 8,077,572 48.70

2014 MN 80 79,444,530 79,513,040 33,379,156 9,015,844 53.32

2015 MN 84 78,305,382 78,379,647 13,885,232 11,768,029 32.73

2016 MN 89 78,626,975 77,337,609 47,642,777 12,203,526 77.38

2017 MN 91 78,081,944 76,853,939 16,007,249 -125,798 20.66

2018 MN 85 79,408,009 78,012,047 54,597,121 11,178,716 84.31

MN Average 72 86,495,183 86,412,829 37,406,064 10,811,753 55.51

2004 MO 83 247,007,675 242,987,986 132,558,793 51,771,766 75.86

2005 MO 85 232,525,016 232,702,814 121,378,022 74,960,067 84.37

2006 MO 79 238,838,148 239,839,586 77,302,840 50,156,024 53.14

2007 MO 84 217,463,286 221,907,546 34,254,168 34,396,655 30.94

2008 MO 92 206,810,696 210,430,815 47,651,932 36,594,282 40.04

2009 MO 91 202,890,276 202,522,686 82,564,821 75,508,842 78.05

2010 MO 94 190,991,047 191,631,730 26,077,482 -26,281,081 -0.11

2011 MO 93 176,537,172 186,180,291 36,920,185 24,117,677 32.78

2012 MO 105 161,399,270 164,772,743 35,058,761 30,514,630 39.80

2013 MO 104 151,984,768 157,589,897 38,694,353 14,031,136 33.46

2014 MO 106 144,753,748 145,256,665 51,944,930 32,757,426 58.31

2015 MO 107 141,805,998 143,470,675 26,862,113 32,249,618 41.20

2016 MO 113 143,205,617 142,339,387 93,423,676 21,318,375 80.61

2017 MO 116 141,194,309 137,350,630 81,338,363 30,084,345 81.12

2018 MO 110 149,573,910 147,541,414 87,734,664 17,388,695 71.25

MO Average 100 174,419,096 176,218,005 55,371,407 28,679,740 49.28

2004 MS 58 56,664,495 52,793,894 25,315,646 2,930,824 53.50

2005 MS 56 59,408,309 55,413,315 39,681,920 1,469,275 74.26

2006 MS 59 57,163,143 57,545,986 7,408,126 5,957,477 23.23

2007 MS 52 56,156,396 55,261,610 22,708,747 6,578,322 53.00

2008 MS 59 50,530,700 52,374,881 874,295 4,119,098 9.53

2009 MS 64 58,359,303 60,592,237 13,915,155 6,814,073 34.21

2010 MS 66 56,065,254 55,826,602 16,800,275 9,499,381 47.11

2011 MS 70 59,532,616 58,025,273 16,110,574 8,225,517 41.94

2012 MS 76 52,333,368 54,544,389 15,065,094 10,047,552 46.04

2013 MS 77 54,991,505 50,717,519 15,362,869 6,497,286 43.10

2014 MS 79 49,971,290 54,034,418 -2,880,923 6,202,902 6.15

2015 MS 85 48,353,816 49,758,170 12,686,536 8,119,808 41.81

2016 MS 85 47,675,365 46,535,721 6,339,168 4,817,519 23.97

2017 MS 84 43,561,538 48,846,136 9,264,241 7,743,196 34.82

2018 MS 82 47,645,014 45,383,903 4,093,116 8,144,809 26.97

MS Average 72 52,487,639 53,034,373 10,595,944 7,135,918 33.22







LOSS & DCC

RATIO

COUNTRYWIDE SUMMARY


2004 - 2018

2004 MT 53 39,094,689 38,342,739 31,517,162 8,606,198 104.64

2005 MT 48 42,632,691 41,452,398 32,257,124 8,910,307 99.31

2006 MT 51 44,540,683 44,133,202 22,342,401 6,190,988 64.65

2007 MT 51 48,791,010 47,145,298 20,547,724 11,556,018 68.10

2008 MT 51 43,330,241 43,474,345 10,655,904 8,386,596 43.80

2009 MT 51 45,841,720 45,504,442 22,242,713 7,464,502 65.28

2010 MT 59 42,758,520 41,482,255 11,409,501 4,631,929 38.67

2011 MT 68 42,709,825 41,768,321 19,369,574 6,481,225 61.89

2012 MT 66 41,492,137 41,078,441 3,701,386 8,089,467 28.70

2013 MT 66 40,562,957 41,072,816 15,893,106 7,412,629 56.74

2014 MT 75 41,458,338 40,111,051 9,666,950 10,421,670 50.08

2015 MT 79 41,208,081 40,076,899 19,961,593 7,680,267 68.97

2016 MT 71 37,383,516 39,934,687 20,382,045 11,653,169 80.22

2017 MT 72 47,973,631 42,264,182 38,239,051 11,454,010 117.58

2018 MT 72 44,626,592 43,580,888 24,483,057 9,586,933 78.18

MT Average 64 43,282,865 42,432,833 18,376,539 8,539,185 63.30

2004 NC 77 310,444,108 290,074,361 147,373,317 46,703,352 66.91

2005 NC 71 322,480,762 310,213,000 114,425,247 47,807,643 52.30

2006 NC 72 317,271,090 309,499,326 103,582,180 53,756,229 50.84

2007 NC 69 294,080,889 304,051,852 97,965,676 41,360,513 45.82

2008 NC 78 276,457,088 280,129,347 31,563,838 44,163,980 27.03

2009 NC 81 252,364,289 259,533,323 63,140,887 48,278,706 42.93

2010 NC 87 244,658,185 248,152,397 55,709,113 35,509,236 36.76

2011 NC 94 226,826,114 230,370,354 43,610,348 43,608,803 37.86

2012 NC 97 210,370,797 220,114,970 69,215,164 36,998,506 48.25

2013 NC 97 198,776,291 203,847,887 18,762,191 34,314,689 26.04

2014 NC 106 184,892,340 189,278,558 46,680,925 41,007,545 46.33

2015 NC 108 180,681,804 177,119,667 40,512,997 33,004,180 41.51

2016 NC 108 164,076,457 167,852,911 8,348,242 31,207,281 23.57

2017 NC 102 165,578,661 166,055,112 20,708,620 25,300,967 27.71

2018 NC 107 167,625,460 165,409,021 37,329,410 30,314,069 40.89

NC Average 93 221,819,959 224,724,210 49,009,969 38,371,131 38.12

2004 ND 43 17,605,032 16,480,892 8,558,295 2,699,470 68.31

2005 ND 41 16,822,677 19,063,606 10,262,158 3,660,625 73.03

2006 ND 41 17,696,247 17,629,104 8,614,920 1,804,828 59.11

2007 ND 40 17,980,405 17,767,983 5,551,236 2,725,215 46.58

2008 ND 38 14,468,129 14,697,723 6,365,303 1,750,572 55.22

2009 ND 41 11,788,080 12,163,186 -7,384,133 1,570,251 -47.80

2010 ND 43 14,015,796 13,555,637 -1,518,998 -1,074,100 -19.13

2011 ND 45 13,359,083 13,227,884 6,268,199 2,466,827 66.03

2012 ND 52 11,387,597 10,871,892 565,469 1,433,629 18.39

2013 ND 49 11,400,104 11,960,287 2,488,948 311,334 23.41

2014 ND 52 12,569,065 12,759,766 5,010,159 569,954 43.73

2015 ND 51 9,753,915 10,115,929 8,743,555 1,754,439 103.78

2016 ND 52 9,588,027 9,558,736 9,918,438 3,424,681 139.59

2017 ND 54 9,424,312 9,076,775 -29,454,220 -2,079,998 -347.42

2018 ND 54 9,921,256 9,329,871 6,333,665 2,378,678 93.38

ND Average 47 12,565,540 12,516,521 1,654,042 1,310,485 18.07







LOSS & DCC

RATIO

COUNTRYWIDE SUMMARY


2004 - 2018

2004 NE 52 34,087,647 33,850,975 12,831,858 7,599,755 60.36

2005 NE 49 36,858,620 35,278,079 14,634,443 8,088,904 64.41

2006 NE 52 37,643,926 35,817,369 16,772,519 8,165,652 69.63

2007 NE 52 37,033,492 36,170,260 8,023,055 3,447,133 31.71

2008 NE 52 35,935,098 36,629,708 12,710,346 7,927,889 56.34

2009 NE 56 36,400,709 37,066,636 11,109,699 7,469,210 50.12

2010 NE 61 36,885,608 36,200,378 9,170,468 4,971,158 39.06

2011 NE 64 36,378,230 36,977,306 13,401,301 7,814,714 57.38

2012 NE 70 35,474,134 35,286,140 10,534,453 4,438,177 42.43

2013 NE 66 36,708,369 36,088,119 15,897,459 7,230,701 64.09

2014 NE 70 35,029,783 35,385,345 8,724,399 8,051,728 47.41

2015 NE 71 33,283,765 33,654,737 18,081,027 8,345,179 78.52

2016 NE 74 31,723,984 32,744,014 15,248,030 8,657,675 73.01

2017 NE 74 32,097,142 31,858,206 16,022,218 14,235,400 94.98

2018 NE 75 33,750,875 31,872,591 19,419,959 8,583,570 87.86

NE Average 64 35,257,317 35,057,755 13,470,379 7,641,399 60.96

2004 NH 49 44,936,943 45,495,835 37,768,621 12,728,350 110.99

2005 NH 47 43,757,288 44,484,351 21,787,844 4,306,161 58.66

2006 NH 46 43,685,118 43,160,570 19,663,825 7,549,830 63.05

2007 NH 46 43,132,413 42,720,001 985,628 3,172,438 9.73

2008 NH 48 42,227,533 42,003,890 20,119,302 6,985,794 64.53

2009 NH 55 43,152,378 42,789,972 14,383,129 4,657,606 44.50

2010 NH 60 41,838,997 42,225,978 17,835,583 6,635,260 57.95

2011 NH 61 38,065,299 39,753,664 14,569,332 7,439,895 55.36

2012 NH 70 39,145,975 36,770,040 39,908,347 6,526,439 126.28

2013 NH 71 38,509,844 39,655,525 16,864,971 3,906,739 52.38

2014 NH 73 38,551,869 39,839,503 19,475,675 8,965,398 71.39

2015 NH 78 37,783,518 37,688,364 18,445,583 9,620,804 74.47

2016 NH 76 64,689,156 58,158,556 28,787,105 12,716,450 71.36

2017 NH 76 39,972,190 45,532,042 49,116,485 12,355,599 135.01

2018 NH 77 45,049,416 46,298,132 34,446,298 12,188,260 100.73

NH Average 64 42,754,131 42,815,095 22,661,636 7,901,578 71.29

2004 NJ 81 551,859,422 526,304,356 258,400,361 81,448,976 64.57

2005 NJ 86 590,373,132 551,829,742 271,006,612 86,628,258 64.81

2006 NJ 84 593,075,468 586,347,854 415,009,319 77,693,413 84.03

2007 NJ 84 593,110,153 590,644,653 320,286,276 86,102,637 68.80

2008 NJ 93 537,272,455 559,513,432 242,102,227 80,747,688 57.70

2009 NJ 93 526,314,728 524,291,562 227,172,468 81,720,996 58.92

2010 NJ 100 509,562,388 509,063,975 276,550,265 93,028,822 72.60

2011 NJ 109 494,516,802 497,951,917 184,714,386 82,739,134 53.71

2012 NJ 113 485,358,043 471,661,458 212,050,923 79,895,715 61.90

2013 NJ 108 461,374,957 469,245,828 252,851,942 70,897,151 68.99

2014 NJ 114 456,519,144 452,989,966 234,661,937 103,859,412 74.73

2015 NJ 121 423,483,076 440,145,113 228,977,586 92,077,633 72.94

2016 NJ 128 418,525,410 422,313,330 243,306,699 72,705,078 74.83

2017 NJ 118 403,195,731 409,191,520 115,363,984 54,125,596 41.42

2018 NJ 117 397,398,148 405,991,975 132,594,294 77,127,644 51.66

NJ Average 106 484,592,808 487,642,506 237,357,100 80,978,532 64.79







LOSS & DCC

RATIO

COUNTRYWIDE SUMMARY


2004 - 2018

2004 NM 49 44,698,411 42,351,956 40,156,249 14,472,166 128.99

2005 NM 48 46,692,770 45,815,306 25,502,377 13,489,890 85.11

2006 NM 49 47,439,416 46,948,018 12,329,702 11,255,901 50.24

2007 NM 53 50,625,936 47,893,243 26,901,913 11,050,052 79.24

2008 NM 54 51,712,639 52,246,843 23,436,287 12,354,751 68.50

2009 NM 60 46,962,943 49,660,411 25,237,956 10,925,497 72.82

2010 NM 66 50,177,642 49,703,711 22,872,331 13,788,529 73.76

2011 NM 73 56,106,167 52,673,107 32,861,623 14,517,883 89.95

2012 NM 76 49,298,834 51,120,768 36,011,140 17,365,607 104.41

2013 NM 76 51,897,178 51,408,800 25,530,941 19,199,541 87.01

2014 NM 82 51,928,643 53,553,600 57,691,971 20,343,845 145.72

2015 NM 80 51,208,479 52,757,020 42,100,319 14,590,037 107.46

2016 NM 86 52,428,957 52,204,148 38,933,216 17,871,659 108.81

2017 NM 91 58,340,024 53,704,463 42,685,886 28,652,445 132.84

2018 NM 88 57,810,951 56,146,148 68,485,109 23,101,435 163.12

NM Average 72 51,995,216 51,540,022 35,006,030 16,539,783 98.76

2004 NV 57 94,158,843 89,460,111 45,930,082 20,687,860 74.47

2005 NV 59 91,213,270 91,244,283 25,612,981 20,764,100 50.83

2006 NV 61 108,721,196 100,309,059 25,610,699 22,053,505 47.52

2007 NV 62 106,826,847 110,520,768 14,750,924 31,486,943 41.84

2008 NV 66 98,898,102 103,424,341 27,481,477 29,808,504 55.39

2009 NV 69 95,514,847 96,580,053 42,370,502 26,983,351 71.81

2010 NV 77 89,240,677 89,764,552 9,717,057 25,662,061 39.41

2011 NV 83 85,429,885 86,292,881 15,992,371 24,834,932 47.31

2012 NV 79 81,782,641 82,220,704 -2,530,712 9,135,631 8.03

2013 NV 82 80,840,818 78,556,902 36,121,202 23,876,944 76.38

2014 NV 87 73,504,895 76,916,519 9,345,701 35,246,173 57.97

2015 NV 94 71,349,927 69,896,197 22,228,356 32,121,694 77.76

2016 NV 94 69,771,603 69,114,906 13,890,713 18,963,466 47.54

2017 NV 97 64,881,875 65,446,111 23,325,571 17,994,581 63.14

2018 NV 95 65,470,789 66,987,127 18,641,851 16,321,822 52.19

NV Average 80 84,018,008 84,310,009 19,765,055 24,191,508 52.79

2004 NY 72 1,291,153,293 1,282,877,336 1,465,315,766 263,242,596 134.74

2005 NY 75 1,387,747,726 1,330,772,146 1,143,488,580 459,373,564 120.45

2006 NY 74 1,524,835,828 1,468,512,880 1,290,482,620 446,890,290 118.31

2007 NY 89 1,669,627,160 1,645,331,342 1,226,954,719 415,933,420 99.85

2008 NY 102 1,666,766,132 1,693,770,782 1,174,304,627 401,311,182 93.02

2009 NY 106 1,641,560,793 1,645,579,310 1,001,015,987 318,166,916 80.17

2010 NY 108 1,690,062,746 1,660,702,763 994,066,816 376,508,051 82.53

2011 NY 119 1,668,253,592 1,670,121,278 1,089,511,643 441,738,880 91.68

2012 NY 126 1,672,174,738 1,678,630,701 1,131,283,716 392,530,148 90.78

2013 NY 123 1,661,145,481 1,661,799,662 808,317,835 375,340,659 71.23

2014 NY 127 1,735,782,804 1,722,338,516 919,719,005 335,051,050 72.85

2015 NY 130 1,651,905,908 1,710,181,873 1,005,547,787 437,846,986 84.40

2016 NY 130 1,629,216,038 1,637,824,063 991,616,231 410,373,589 85.60

2017 NY 133 1,549,238,557 1,568,109,215 880,393,442 340,386,839 77.85

2018 NY 126 1,611,944,697 1,619,138,866 687,290,073 331,317,337 62.91

NY Average 115 1,644,039,575 1,644,772,404 1,015,423,423 386,415,027 85.48







LOSS & DCC

RATIO

COUNTRYWIDE SUMMARY


2004 - 2018

2004 OH 88 572,818,582 557,493,931 197,374,314 123,186,990 57.50

2005 OH 88 545,717,470 550,546,673 185,956,443 113,362,939 54.37

2006 OH 84 530,433,874 539,788,224 143,328,821 127,437,615 50.16

2007 OH 85 471,566,801 481,199,389 119,383,055 36,677,592 32.43

2008 OH 92 421,236,311 446,543,615 81,907,331 79,808,989 36.22

2009 OH 98 384,588,769 407,024,849 74,186,707 30,641,627 25.75

2010 OH 102 358,917,949 368,687,687 28,265,568 41,696,937 18.98

2011 OH 110 333,348,477 331,778,585 57,958,069 32,878,278 27.38

2012 OH 117 323,358,275 334,835,653 37,918,254 36,318,949 22.17

2013 OH 114 316,947,600 320,668,519 52,288,272 37,956,461 28.14

2014 OH 114 293,886,783 303,712,691 78,530,728 50,566,600 42.51

2015 OH 120 265,800,662 278,482,152 36,427,489 23,535,126 21.53

2016 OH 121 231,047,583 240,735,945 28,403,973 21,627,358 20.78

2017 OH 117 228,850,304 232,817,726 7,916,724 77,781,472 36.81

2018 OH 116 220,685,030 224,333,267 86,890,977 16,506,995 46.09

OH Average 107 336,974,494 346,969,869 64,108,151 47,187,231 31.46

2004 OK 63 119,941,135 111,189,258 31,979,497 17,203,934 44.23

2005 OK 60 146,343,586 141,905,653 21,512,012 28,973,695 35.58

2006 OK 57 145,271,247 142,804,894 8,348,038 19,145,843 19.25

2007 OK 61 135,784,319 132,546,631 67,669,109 27,260,459 71.62

2008 OK 70 130,033,112 129,076,868 58,809,285 30,752,003 69.39

2009 OK 75 128,321,809 126,458,082 77,089,599 25,663,372 81.25

2010 OK 80 131,228,152 125,826,619 63,429,127 31,501,166 75.45

2011 OK 84 117,886,425 117,711,844 46,677,260 26,747,230 62.38

2012 OK 85 114,630,448 113,837,251 34,114,277 20,040,114 47.57

2013 OK 90 112,386,722 111,533,734 31,430,777 26,843,159 52.25

2014 OK 89 100,774,535 103,188,497 37,949,790 19,676,531 55.85

2015 OK 92 99,583,408 89,768,599 34,247,044 34,299,051 76.36

2016 OK 96 94,755,270 95,057,971 41,763,687 37,687,494 83.58

2017 OK 99 95,902,060 96,053,577 46,517,407 4,732,302 53.36

2018 OK 93 96,421,978 94,571,821 53,072,710 11,108,872 67.87

OK Average 82 115,613,807 113,725,876 46,239,855 24,265,969 62.78

2004 OR 68 109,682,638 103,165,378 72,050,651 12,196,846 81.66

2005 OR 63 121,296,528 114,799,682 58,630,561 18,848,717 67.49

2006 OR 63 126,348,853 122,689,446 44,747,242 21,096,768 53.67

2007 OR 57 110,761,321 113,524,850 50,255,713 19,210,471 61.19

2008 OR 64 113,140,718 116,273,556 18,360,194 21,873,255 34.60

2009 OR 67 107,425,405 113,678,875 43,947,166 15,678,751 52.45

2010 OR 71 95,807,911 100,844,740 19,534,415 7,458,301 26.77

2011 OR 75 97,038,155 102,904,887 33,059,708 12,555,960 44.33

2012 OR 80 93,012,574 93,418,316 45,822,319 20,559,188 71.06

2013 OR 85 92,260,020 92,695,947 61,773,559 19,866,486 88.07

2014 OR 93 91,246,464 92,769,833 45,368,314 19,094,781 69.49

2015 OR 98 93,202,383 91,775,937 58,664,963 22,890,945 88.86

2016 OR 96 91,826,306 92,771,359 52,946,220 18,666,834 77.19

2017 OR 100 91,341,796 90,474,136 31,409,848 7,495,102 43.00

2018 OR 98 86,896,102 88,062,975 33,267,760 19,884,243 60.36

OR Average 81 99,254,462 100,914,220 41,473,648 17,410,083 59.31







LOSS & DCC

RATIO

COUNTRYWIDE SUMMARY


2004 - 2018

2004 PA 114 757,252,819 716,059,403 507,617,142 162,659,809 93.61

2005 PA 114 738,331,321 709,352,877 438,579,817 116,394,054 78.24

2006 PA 114 768,371,115 742,412,952 364,830,652 151,046,397 69.49

2007 PA 117 734,624,041 709,802,215 376,955,816 102,916,712 67.61

2008 PA 121 741,133,188 722,210,743 308,922,755 130,067,183 60.78

2009 PA 125 741,495,683 721,187,234 342,079,338 146,170,071 67.70

2010 PA 128 726,053,577 706,504,002 315,026,343 140,914,239 64.53

2011 PA 133 707,463,046 704,898,018 360,733,402 124,230,569 68.80

2012 PA 140 705,849,379 696,539,552 287,992,578 136,351,316 60.92

2013 PA 141 693,933,213 695,893,209 353,736,301 163,279,581 74.30

2014 PA 142 654,086,726 628,844,504 308,764,067 119,194,657 68.05

2015 PA 150 655,077,332 664,782,473 303,549,930 140,311,887 66.77

2016 PA 147 684,053,209 666,807,153 378,865,440 218,525,885 89.59

2017 PA 144 646,129,908 654,290,206 438,269,985 135,115,695 87.63

2018 PA 149 660,503,520 643,828,142 423,882,581 141,964,732 87.89

PA Average 135 701,444,149 689,076,954 351,046,861 142,314,533 71.85

2004 PR 13 55,313,894 57,948,816 28,842,947 10,749,336 68.32

2005 PR 10 52,434,282 51,177,026 24,908,097 10,880,895 69.93

2006 PR 13 60,704,083 55,294,613 3,094,527 9,362,737 22.53

2007 PR 18 62,981,659 62,014,796 34,470,100 15,790,488 81.05

2008 PR 17 62,568,101 61,778,417 -3,969,195 14,831,243 17.58

2009 PR 16 72,675,450 64,107,237 10,468,463 8,903,037 30.22

2010 PR 16 67,890,409 66,758,849 28,904,489 11,459,342 60.46

2011 PR 15 70,690,532 69,493,418 25,338,313 12,181,549 53.99

2012 PR 16 69,427,899 69,815,833 34,630,485 13,552,063 69.01

2013 PR 15 69,337,498 70,550,813 38,315,903 13,189,827 73.01

2014 PR 14 68,651,296 68,272,203 26,397,438 11,721,569 55.83

2015 PR 17 66,843,739 68,165,226 23,782,249 14,780,424 56.57

2016 PR 19 68,267,022 66,294,864 21,564,098 18,862,218 60.98

2017 PR 16 68,983,651 67,313,021 20,031,800 15,448,444 52.71

2018 PR 16 68,449,928 68,471,339 3,086,383 13,106,662 23.65

PR Average 16 67,497,790 66,025,433 20,470,389 13,322,277 50.58

2004 RI 47 38,849,730 34,764,462 16,138,807 10,784,628 77.45

2005 RI 41 38,466,822 34,516,852 15,530,214 11,200,078 77.44

2006 RI 38 39,567,713 46,868,864 27,135,169 1,391,833 60.87

2007 RI 42 47,543,469 47,397,829 18,778,562 15,380,232 72.07

2008 RI 44 44,920,164 45,238,353 32,338,370 7,717,803 88.54

2009 RI 49 45,764,559 44,567,325 15,948,378 4,239,265 45.30

2010 RI 50 47,082,730 44,328,564 31,700,614 6,802,101 86.86

2011 RI 51 38,559,054 43,000,402 19,597,013 6,775,661 61.33

2012 RI 55 42,721,218 40,409,648 42,257,266 9,886,719 129.04

2013 RI 55 43,397,760 42,670,526 26,477,854 7,137,131 78.78

2014 RI 59 38,622,814 40,539,835 16,325,452 9,431,497 63.53

2015 RI 69 31,129,493 34,357,407 37,912,434 4,361,947 123.04

2016 RI 67 29,171,748 28,022,638 33,259,851 8,525,879 149.11

2017 RI 68 28,148,571 31,741,417 18,653,195 2,322,508 66.08

2018 RI 68 27,831,845 28,232,790 36,587,024 5,627,937 149.52

RI Average 55 38,804,703 39,798,123 27,459,322 6,892,347 90.31







LOSS & DCC

RATIO

COUNTRYWIDE SUMMARY


2004 - 2018

2004 SC 55 48,848,495 44,996,122 33,469,099 8,843,713 94.04

2005 SC 55 55,556,657 50,805,670 38,133,799 14,254,141 103.11

2006 SC 51 61,878,365 58,183,074 32,176,232 10,535,577 73.41

2007 SC 51 52,247,857 53,501,619 18,862,681 10,448,372 54.79

2008 SC 58 52,465,411 51,834,871 45,847,977 15,450,568 118.26

2009 SC 65 58,084,942 55,945,369 37,502,728 10,479,223 85.77

2010 SC 73 64,445,936 61,988,617 9,123,715 6,772,188 25.64

2011 SC 79 61,751,406 60,015,550 29,932,367 14,418,274 73.90

2012 SC 81 61,701,972 64,551,687 31,332,137 11,368,125 66.15

2013 SC 90 64,444,588 62,315,076 14,795,257 14,894,350 47.64

2014 SC 95 64,526,978 63,874,787 40,003,635 16,296,041 88.14

2015 SC 97 65,246,213 65,201,694 51,563,788 21,520,573 112.09

2016 SC 97 64,606,242 65,309,805 50,688,800 26,806,597 118.66

2017 SC 93 73,064,464 68,650,707 58,303,360 23,261,340 118.81

2018 SC 92 68,962,357 70,013,498 53,323,108 15,888,913 98.86

SC Average 79 62,571,287 61,645,104 36,419,676 15,241,549 83.24

2004 SD 36 21,150,694 20,113,866 16,869,130 4,022,109 103.86

2005 SD 35 24,421,060 23,353,331 12,900,356 4,436,292 74.24

2006 SD 40 26,073,316 26,389,660 11,210,853 5,631,792 63.82

2007 SD 43 25,710,383 25,069,543 10,668,091 6,672,072 69.17

2008 SD 40 22,222,634 22,278,401 2,250,627 3,821,340 27.25

2009 SD 42 21,260,833 22,287,050 3,287,105 2,189,023 24.57

2010 SD 44 20,056,834 20,253,965 6,758,967 4,862,084 57.38

2011 SD 50 19,748,889 19,869,718 7,146,808 2,049,989 46.29

2012 SD 50 19,268,262 19,529,819 4,220,995 3,090,916 37.44

2013 SD 47 16,906,689 17,481,299 12,976,359 3,131,517 92.14

2014 SD 50 17,312,909 17,282,904 5,820,716 2,460,812 47.92

2015 SD 55 17,003,320 16,968,896 4,002,897 5,379,288 55.29

2016 SD 56 15,209,493 15,254,362 -589,438 4,060,330 22.75

2017 SD 64 15,305,321 15,307,076 -671,356 1,233,321 3.67

2018 SD 62 15,806,080 15,617,776 121,563 3,394,066 22.51

SD Average 49 19,375,766 19,506,959 5,169,553 3,690,504 43.86

2004 TN 75 340,070,845 323,621,774 164,949,377 59,495,102 69.35

2005 TN 71 341,637,364 342,438,176 181,432,693 77,420,139 75.59

2006 TN 70 344,636,523 336,102,629 176,443,336 78,930,050 75.98

2007 TN 68 338,729,748 348,105,293 114,302,567 110,884,762 64.69

2008 TN 76 304,409,739 304,073,026 79,121,507 83,219,976 53.39

2009 TN 78 293,554,708 297,700,788 37,415,844 80,097,367 39.47

2010 TN 88 260,632,329 272,395,937 13,339,799 37,185,575 18.55

2011 TN 96 231,378,431 236,557,369 80,354,116 52,526,079 56.17

2012 TN 98 233,570,974 232,573,806 139,112,948 98,638,261 102.23

2013 TN 100 239,835,945 237,815,068 90,332,561 88,245,644 75.09

2014 TN 100 234,059,381 230,923,032 85,170,275 53,885,437 60.22

2015 TN 103 233,613,983 234,384,922 119,675,004 68,956,283 80.48

2016 TN 106 208,797,874 214,833,356 129,025,042 52,895,183 84.68

2017 TN 106 214,486,866 214,293,631 100,074,847 45,375,212 67.87

2018 TN 110 196,282,942 207,197,440 108,857,869 64,295,470 83.57

TN Average 92 256,460,726 258,996,638 97,940,440 70,395,023 66.34







LOSS & DCC

RATIO

COUNTRYWIDE SUMMARY


2004 - 2018

2004 TX 93 625,617,139 622,986,195 236,164,557 107,768,740 55.21

2005 TX 96 585,114,786 595,842,896 196,613,530 150,454,869 58.25

2006 TX 90 510,303,183 523,597,831 125,284,506 118,132,987 46.49

2007 TX 91 391,885,251 411,056,886 -63,204,031 45,973,225 -4.19

2008 TX 96 360,406,482 368,935,210 17,433,496 40,840,943 15.80

2009 TX 101 344,930,217 352,218,643 65,863,118 59,539,412 35.60

2010 TX 106 345,877,069 338,161,003 16,917,923 51,656,693 20.28

2011 TX 110 344,443,434 333,519,672 55,380,962 45,873,619 30.36

2012 TX 115 324,832,317 332,873,668 94,914,260 37,059,067 39.65

2013 TX 116 314,394,359 323,185,574 53,449,071 45,167,558 30.51

2014 TX 121 306,117,254 314,428,361 55,671,495 57,325,290 35.94

2015 TX 126 296,348,808 294,679,503 87,305,618 58,548,841 49.50

2016 TX 125 305,297,589 299,646,768 83,895,879 40,621,647 41.55

2017 TX 119 314,919,812 313,706,527 36,443,532 39,865,234 24.32

2018 TX 127 340,622,174 334,998,226 162,118,585 68,934,365 68.97

TX Average 111 346,182,919 349,308,298 60,882,647 54,579,914 33.44

2004 UT 52 68,018,744 65,207,275 29,965,088 18,325,130 74.06

2005 UT 50 72,164,795 70,154,863 32,110,067 18,795,776 72.56

2006 UT 49 73,208,011 72,267,382 30,153,660 19,521,936 68.74

2007 UT 51 72,406,121 70,520,816 30,709,312 24,132,360 77.77

2008 UT 50 73,952,913 72,531,468 30,287,607 25,904,745 77.47

2009 UT 56 72,188,078 70,777,136 21,555,847 18,940,070 57.22

2010 UT 63 71,016,808 70,658,976 30,830,946 20,243,186 72.28

2011 UT 68 68,813,147 67,761,115 11,196,072 19,471,874 45.26

2012 UT 66 64,046,289 64,868,172 10,465,005 13,364,994 36.74

2013 UT 73 62,187,235 64,032,986 15,781,245 16,395,310 50.25

2014 UT 79 58,208,056 58,356,760 15,339,867 11,806,028 46.52

2015 UT 83 63,051,605 62,819,168 10,616,756 9,038,176 31.29

2016 UT 86 59,308,010 59,286,550 21,720,856 14,209,801 60.61

2017 UT 86 57,611,790 57,951,594 27,492,739 15,157,212 73.60

2018 UT 87 56,922,457 57,265,109 32,272,914 18,184,875 88.11

UT Average 69 65,609,271 65,315,172 22,186,371 17,413,121 60.45

2004 VA 81 281,888,569 265,953,140 139,619,801 58,804,320 74.61

2005 VA 76 303,418,783 289,738,405 157,277,259 53,345,305 72.69

2006 VA 73 299,564,895 300,260,553 99,599,100 51,607,469 50.36

2007 VA 72 282,631,756 286,383,769 71,787,590 49,844,881 42.47

2008 VA 77 262,992,195 269,735,005 85,270,538 35,699,268 44.85

2009 VA 79 238,124,818 237,381,579 73,212,239 29,469,335 43.26

2010 VA 88 223,588,791 227,645,291 70,531,035 33,762,341 45.81

2011 VA 95 216,568,347 215,181,893 59,092,984 30,621,286 41.69

2012 VA 99 208,587,270 212,417,980 81,855,110 32,663,083 53.91

2013 VA 97 208,281,885 211,432,728 61,897,438 26,096,278 41.62

2014 VA 104 196,735,037 201,942,266 26,349,593 35,558,695 30.66

2015 VA 108 193,275,733 194,257,862 49,395,843 36,332,860 44.13

2016 VA 107 187,711,095 191,086,346 74,061,249 51,450,164 65.68

2017 VA 108 184,847,286 183,803,037 65,565,025 31,567,916 52.85

2018 VA 104 184,207,214 184,813,688 63,699,870 35,346,713 53.59

VA Average 93 222,085,871 224,334,000 67,870,586 36,924,638 46.99







LOSS & DCC

RATIO

COUNTRYWIDE SUMMARY


2004 - 2018

2004 VI 3 48,947 51,472 72,260 -33,124 76.03

2005 VI 4 71,990 74,534 -72,132 27,496 -59.89

2006 VI 4 55,478 46,940 60,916 53,900 244.60

2007 VI 6 106,008 101,452 180,090 25,821 202.96

2008 VI 7 104,585 86,193 -100,211 45,546 -63.42

2009 VI 9 184,359 159,104 53,291 13,617 42.05

2010 VI 8 127,318 130,517 9,924 25,923 27.47

2011 VI 9 178,492 167,991 79,363 34,282 67.65

2012 VI 11 200,702 180,447 37,298 13,925 28.39

2013 VI 11 197,164 194,228 21,795 3,906 13.23

2014 VI 12 239,321 214,220 116,177 100,240 101.03

2015 VI 13 255,156 213,998 11,437 8 5.35

2016 VI 12 391,113 380,128 -26,132 -36,813 -16.56

2017 VI 11 335,388 377,119 46,680 17,862 17.11

2018 VI 11 323,481 296,533 32,485 -13,001 6.57

VI Average 10 207,582 196,067 40,239 21,940 52.03

2004 VT 44 23,565,280 22,055,512 18,723,505 694,695 88.04

2005 VT 41 26,778,336 24,644,694 15,327,070 5,491,916 84.48

2006 VT 43 27,922,237 26,982,398 2,207,076 5,108,867 27.11

2007 VT 45 26,343,649 26,721,144 31,047,697 5,825,411 137.99

2008 VT 46 26,551,829 27,043,023 23,225,834 2,465,950 95.00

2009 VT 49 22,096,107 21,614,061 -471,348 1,805,559 6.17

2010 VT 56 22,263,556 22,302,810 9,783,018 1,720,338 51.58

2011 VT 55 22,097,010 21,746,302 3,266,594 3,759,324 32.31

2012 VT 59 20,681,844 20,259,718 5,844,727 481,682 31.23

2013 VT 60 19,164,613 20,582,052 3,242,105 299,219 17.21

2014 VT 58 17,376,830 17,679,392 3,705,332 2,514,573 35.18

2015 VT 58 16,305,186 17,179,766 -688,311 1,001,953 1.83

2016 VT 57 17,077,836 16,103,199 6,539,796 2,161,548 54.03

2017 VT 58 15,704,750 17,042,766 10,507,866 2,196,610 74.54

2018 VT 66 15,068,313 16,113,439 5,422,524 2,040,753 46.32

VT Average 55 20,665,674 20,874,621 7,971,762 2,413,984 46.96

2004 WA 73 270,490,409 257,942,642 130,365,720 36,785,592 64.80

2005 WA 72 263,097,980 258,399,602 114,604,217 42,208,294 60.69

2006 WA 68 254,762,506 251,887,385 95,991,272 37,321,137 52.93

2007 WA 66 239,968,917 241,434,335 87,219,132 35,804,222 50.96

2008 WA 72 214,726,778 219,027,919 89,741,282 38,178,933 58.40

2009 WA 74 201,578,828 202,606,923 66,531,102 33,009,722 49.13

2010 WA 83 205,836,362 199,828,863 75,812,075 19,332,394 47.61

2011 WA 87 203,869,400 201,191,574 75,944,341 38,211,879 56.74

2012 WA 96 201,288,240 193,933,337 71,213,593 39,639,267 57.16

2013 WA 101 188,761,322 187,002,414 88,465,385 33,666,901 65.31

2014 WA 100 176,091,879 182,667,960 126,304,500 40,671,315 91.41

2015 WA 104 160,798,607 163,569,442 70,286,086 36,810,261 65.47

2016 WA 110 156,825,982 158,121,150 75,888,643 25,937,146 64.40

2017 WA 109 163,190,371 157,146,108 108,983,373 37,117,924 92.97

2018 WA 102 161,729,173 164,605,618 91,111,983 26,212,502 71.28

WA Average 90 194,571,413 194,078,694 86,422,521 33,993,354 63.37







LOSS & DCC

RATIO

COUNTRYWIDE SUMMARY


2004 - 2018

2004 WI 57 115,077,319 106,098,215 43,998,844 18,705,323 59.10

2005 WI 55 116,212,320 116,796,454 52,289,615 23,161,831 64.60

2006 WI 57 117,768,240 112,619,901 53,220,794 32,660,144 76.26

2007 WI 57 114,084,836 115,072,464 58,601,365 31,016,773 77.88

2008 WI 59 108,953,412 114,044,390 4,342,710 23,580,448 24.48

2009 WI 60 100,874,024 102,334,220 42,485,872 19,108,812 60.19

2010 WI 65 97,535,615 96,447,423 25,662,337 21,019,111 48.40

2011 WI 73 88,160,202 91,765,462 13,061,109 -1,693,491 12.39

2012 WI 79 86,781,133 85,979,216 -19,873,638 3,867,369 -18.62

2013 WI 77 84,301,475 83,603,706 3,664,912 12,996,662 19.93

2014 WI 74 79,094,967 82,508,264 3,719,672 9,560,902 16.10

2015 WI 77 78,560,753 80,282,739 3,861,445 8,156,892 14.97

2016 WI 74 76,397,760 74,706,315 -20,855,457 9,391,657 -15.35

2017 WI 80 83,819,627 82,132,121 786,690 11,051,160 14.41

2018 WI 86 75,646,302 77,220,872 17,651,127 3,952,916 27.98

WI Average 71 91,690,642 92,209,007 14,332,995 14,205,335 27.62

2004 WV 63 143,455,277 122,805,756 55,384,855 24,968,176 65.43

2005 WV 63 113,874,604 112,019,399 38,332,825 3,767,525 37.58

2006 WV 61 111,279,161 106,605,851 19,408,830 12,578,468 30.01

2007 WV 63 83,586,813 87,944,229 46,261,052 31,642,440 88.58

2008 WV 65 78,860,478 80,220,539 12,844,600 11,800,793 30.72

2009 WV 68 76,687,372 79,133,129 26,502,757 10,544,285 46.82

2010 WV 71 82,544,300 85,430,613 28,157,496 10,068,404 44.74

2011 WV 78 80,427,757 83,139,392 49,023,708 10,657,499 71.78

2012 WV 79 81,043,656 81,108,845 11,224,358 17,210,438 35.06

2013 WV 78 71,885,240 72,482,736 30,682,941 14,382,649 62.17

2014 WV 78 72,231,336 71,570,101 33,769,515 15,625,025 69.02

2015 WV 79 64,305,574 63,775,266 33,041,767 11,751,017 70.24

2016 WV 78 62,839,164 63,713,300 81,808,493 30,710,482 176.60

2017 WV 77 59,231,427 59,784,016 2,898,384 10,337,136 22.14

2018 WV 79 69,780,011 70,439,608 49,752,194 11,410,503 86.83

WV Average 73 76,515,561 77,334,433 32,721,238 15,286,088 64.21

2004 WY 47 21,416,704 21,320,035 52,398 2,906,330 13.88

2005 WY 43 22,740,395 23,989,896 4,993,169 3,841,815 36.83

2006 WY 43 23,954,548 22,846,223 13,435,025 2,684,466 70.56

2007 WY 45 24,374,684 24,045,495 10,967,727 5,075,773 66.72

2008 WY 51 26,573,853 25,955,086 14,593,716 1,638,510 62.54

2009 WY 50 26,819,842 26,401,883 9,801,704 4,955,696 55.90

2010 WY 56 26,609,533 27,006,502 3,595,123 2,753,192 23.51

2011 WY 59 26,386,077 26,117,531 14,462,756 5,350,004 75.86

2012 WY 62 24,878,709 25,014,647 11,572,122 6,606,166 72.67

2013 WY 69 24,303,394 24,641,907 12,305,490 3,729,236 65.07

2014 WY 69 23,562,659 23,960,871 18,466,249 3,905,804 93.37

2015 WY 67 23,866,163 23,735,419 705,245 5,629,889 26.69

2016 WY 71 23,766,696 23,613,483 11,702,613 6,470,599 76.96

2017 WY 71 22,619,717 22,693,405 13,939,049 6,757,892 91.20

2018 WY 69 21,862,711 21,773,552 7,731,544 3,719,926 52.59

WY Average 60 24,582,968 24,446,616 11,021,413 4,559,781 64


COUNTRYWIDE LOSS AND DEFENSE COST CONTAINMENT · year state number of insurers direct premium...

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