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Beyond repair: under the diminished-value concept, an auto insurer must reimburse a policyholder not only for repair of a damaged vehicle, but for any loss in value. Will this new liability spread? (Property/Casualty: Auto).

In Georgia, the law requires that insurers not only pay for repair of damaged vehicles, but also reimburse policyholders for any loss in value the repaired vehicle might have sustained. Now, the insurance industry must face the prospect that the practice will spread to other states.

So far, it hasn't spread in any meaningful way, and there is no consensus about the likelihood that it will.

Georgia's Supreme Court conclusively legitimized diminished-value coverage in November 2001, when it ruled in favor of two plaintiffs in a class-action suit. The court cited contract interpretation by Georgia courts going back 75 years.

The ruling proved expensive for defendant State Farm Mutual Automobile Insurance Co. Two months after the ruling, it agreed in a settlement to provide $100 million to as many as 700,000 Georgia policyholders to cover diminished car values dating back to December 1993, and it will pay as much as $100 million in such claims over the next six years.

No other state supreme court has decisively found in favor of diminished value, although some lower courts have. Two supreme courts this summer--in Delaware and Maine--came down squarely against the concept. But there is some concern in the industry that the spread of diminished value is only a matter of time.

"It's a significant issue, and insurers ought to be focused on it," said Scott Harrison, a partner in charge of KPMG LLP's national insurance regulatory practice and former deputy superintendent of insurance in New York. He said judges have traditionally been inclined to find for plaintiffs when policy-issue language is litigated, and also in areas such as environmental and product litigation. "It appears to be irresistible in some states when the policyholder is an individual rather than a corporation," he said. "It reflects an attitude on the part of judges and juries to stick up for and help the little guy. It's human nature. Unfortunately, it has a significant impact on insurers and how they do business, and on their policyholders."

The case in Georgia, Mabry vs. State Farm, stemmed from the actions of policyholders in two separate accidents. Rudine Mabry of Columbus filed suit after a June 1999 accident involving her daughter. State Farm paid $2,858 to repair the 1995 Hyundai, but it didn't inform Mabry that she was entitled under her comprehensive coverage to receive $500 more to compensate for the alleged loss in the repaired car's value. State Farm. paid $7,561 to repair the Ford Contour of Maurice J. Cardenas of Lithonia after his December 1998 accident, but it didn't tell him his policy entitled him to another $3,200 for diminished value. Georgia law at the time, based on a lower court's ruling, required insurers to notify policyholders about diminished values and make the payments. In neither accident was a third party at fault.

Harrison said that to the extent courts require insurers to pay for claims retroactively, or if insurers settle out of court, the impact could be significant. State Farm and other insurers didn't anticipate these claims and never charged premiums for them, so they are in for a "double whammy," he said.

"To the extent this litigation begins to have an industrywide impact or a broad impact, I would expect to see a desire on the part of those companies to begin pricing for that risk, and that could result in increased auto rates," he said.

Few Agree

Except in Georgia, coverage has traditionally provided for repair of damages. Eight other states allow for diminished-value coverage, but on a "severely restricted" basis, said Robert J. Hurns, counsel for the National Association of Independent Insurers, a Chicago-based trade group. (See "States That Allow Diminished-Value Coverage" on page 64.) "It's not a trend with any fire to it," he said. "It will remain where it is now, or it will be diminished. If you look at class-action lawsuits, the only one to succeed was in Georgia, where there is a legal precedent since 1926."

Respect for contract language is the main reason for Hurns' optimism that the diminished-value concept won't spread. He said that even the eight states allowing for some coverage permit insurers to use the Insurance Services Office exclusion, which is very plain contract wording that diminished value isn't covered.

Hurns said the NAII monitors this issue as it does any other but doesn't feel a need to take action. "Diminished value will blow out on its own," he said. "Insurer use of credit reports is an issue with some life to it, but this is not."

Some See Opportunity

Another reason the concept is unlikely to spread is that there is no popular groundswell for diminished value. "This issue isn't coming from consumers, auto-repair shops or the insurance industry," said Hurns. "It's coming from entrepreneurs who say they can perform the function of determining the lost value. They are not regulated by any state entity. The more people they can get to believe them, the better for them."

Hurns admitted that in Georgia, they are providing a service. "But elsewhere, they are misleading consumers," he said. "They don't say that 49 states disallow for diminished value. They're failing because they have a very thin vein to mine."

One of these entrepreneurs, Bill Geen, disagreed. "Over time, the courts will decide how to handle this problem," he said. "I would suggest that diminished value has been in existence forever. There are providers that have done assessments for insurance companies. I would look at our service as one that levels the playing field for consumers with the insurance companies."

Geen said his company's Web site had 10,000 visitors in July and has been processing hundreds of claims each month. Geen founded ClaimCoach (www.claimcoach.com) in 1999 with partner Neil Blitstein after working 18 years with CCC Information Services to provide total-loss evaluations for major insurance companies. Geen and Blitstein were expert witnesses in the Mabry vs. State Farm case even while they processed thousands of diminished-value claims in Georgia, he said.

Car owners are suffering hundreds or even thousands of dollars in lost value because their vehicles have been in accidents, Geen said. "We deal with claims every day in which owners don't find out until they go to trade in their car," he said. "It's going to take years and years for this whole thing to come clean. It will take a state-by-state event that will get settled in the courts."

ClaimCoach offers a free report online to let visitors see whether they have a potential claim and help them decide whether to buy the Web site's services. "We've used years and years of experience to not only develop a tool, but a consistent calculation that will give you the same answer with respect to a claim," he said.

Insurers have paid for diminished value for years, Geen said. Over time, insurers will have to look at it as yet another part of the claims process they have to consider, he predicted.

Legislators eager to please constituents with new required coverages might temper their enthusiasm when they realize they could also be mandating higher premiums, Geen admitted. "But if you put it side by side, the individual-consumer premium cost is minuscule compared to the potential loss you may suffer on a case-by-case basis," he said.

Case History

Two recent cases suggest states aren't flocking to the diminished-value concept. In a July ruling, the Maine Supreme Court said that the limitation-of-liability provision in the plaintiff's auto insurance policy limited losses to actual cash value of stolen or damaged property or the amount necessary to repair or replace the property (Hall vs. Acadia Insurance Co.).The claim was for $12,198 in repairs and an additional $4,975 for diminution in value. Gerald L. Zimmerman, senior counsel for the NAIL, said the ruling showed the court recognizes diminished value for what it is: "a flawed concept that isn't covered in a standard insurance policy."

In Delaware's O'Brien et al vs. State Farm, the Supreme Court in a November decision addressed the issue of contract-language ambiguity. According to KPMG's Harrison, a member of the Delaware bar, the appellant/plaintiff argued that courts in other states had interpreted the same policy language in different ways, so the policy language must be ambiguous under the doctrine of contra preferendum. The doctrine is that in a contract of adhesion, in which one party drafts the language and the other party accepts or rejects it in full without negotiation, the burden of ambiguity is on the party that wrote the contract.

"It's a very sound historical concept in the law, and for good reasons," said Harrison. "One party doesn't have the ability to clarify ambiguities, so the court ought to find in that party's favor if there is any ambiguity"

Significantly, the Delaware Supreme Court didn't buy into the argument. "The fact that two or more courts have interpreted the same language differently does not in and of itself mean the policy language is ambiguous," said Harrison. "You don't look outside the policy language to find ambiguity. If you find it inherent in the contract, you look outside the contract to interpret what the party's intent was. The plaintiffs used a Hail Mary pass in this case."

Policies written in different states aren't likely to be identical, but Harrison argues that many policies are standard forms from the Insurance Services Office and that auto-insurance contracts are "fairly well-developed and have been in place for a long time."

The Delaware decision notwithstanding, the uniformity might be a big reason litigation has sprung up around the country as quickly as it has. "You can take a favorable decision in one state and retail it in other states," said Harrison. "The environment that is most hospitable for retail legal theory and positions is where you have consistent language from state to state."

In recent cases, lower courts have found on both sides of the issue. In June, a superior court in Massachusetts denied the insurer's motion for summary judgment in Given vs. Commerce Insurance Co. and found that diminished value is covered under a Massachusetts auto policy. Commerce was expected to appeal. That same month in Texas, the Dallas Court of Appeals overturned a lower-court ruling that had granted summary judgment to Progressive County Mutual Insurance Co. Instead, it ruled in favor of Brent and Heather Bailey. Progressive had repaired a 2000 Lexus worth $31,587 at time of purchase, but the Baileys sued when the insurer refused to pay more than $9,000 more to cover the alleged diminished value. The appellate court cited a 1990 case in Dallas as the basis for its decision, and it declined to follow a Houston Court of Appeals decision in April and a Texas Supreme Court decision in 1998, both of which went against the concept of diminished value.

In May, a Louisiana circuit court reversed a trial court's decision that an auto policy covered diminished value, a case in which the NAII filed an amicus brief on behalf of the insurer in the original lawsuit. The case, Floyd vs. Republic Lloyd Insurance Co., was the third to come before the state's trial courts, according to the NAII. Allstate Insurance Co. was able to have its case dismissed, and Markel American Insurance Co. won on appeal.

All of the foregoing cases involved first-party damages, meaning no outside party could be blamed for the accidents.

Possible Solutions

If cases keep popping up in courts, insurers will have to fight them, said Harrison. "That's the way coverage battles are always fought--case by case and state by state," he said. At the same time, companies need to work at the state regulatory level. "Because it's an industrywide problem, it just makes sense for companies to work through trade associations," he said. "State regulators might prefer to deal with the associations as an efficient way to give a fair hearing to regulatory issues surrounding this issue."

Insurers could also tighten policy language, a step that might in many states have to run through regulators. Another potential solution, optional coverage, is "a perfectly rational approach that satisfies the need of policyholders who want to buy that additional coverage and that accommodates the need of insurers to collect more to insure that risk," Harrison said. "At the same time, insurers would have the choice to provide that option or not. It would be a market-based solution to this problem."
States That Allow Diminished-Value Coverage

 Allows Use
State of ISO Form * Case Law

Delaware Yes Delledonne vs.
 State Farm (1992)



 O'Brien vs.
 Progressive (2001)


Georgia No State Farm Mutual
 Automobile Insurance Co.
 vs. Mabry (2001)


Iowa Yes Hawkeye Motors
 vs. McDowell (1995)




Kansas No Venable vs. Import
 Volkswagen Inc. (1974)







 Boyd Motors Inc.
 vs. Employers Insurance
 of Wausau (1989)






Mississippi Yes Potomac Insurance Co.
 vs. Wilkinson (1952)





North Dakota Yes Sullivan vs.
 Pulkrabek (2000)

Ohio Yes Allstate Insurance Co.
 vs. Reep (1982)








South Dakota No Stucker vs. Travelers
 Indemnity Co. (1957)

Tennessee Yes Senter vs. Tennessee
 Farmers Mutual (1985)




State Holding

Delaware Diminished value for flood damage
 is covered. If policy language is
 ambiguous, however, payment for
 diminished value is required.

 Holds policy does not obligate
 insurer to pay for diminished
 value.

Georgia Court recognizes diminished value
 as an element of loss covered
 under State Farm's policy
 language.

Iowa Court affirmed that proper measure
 of damages is the difference
 between the car's market value
 before the accident and its market
 value after the accident.

Kansas When insurer attempts to repair or
 rebuild under a "repair, restore
 or replace clause," insurer is
 obligated to return the damaged
 property to substantially its
 original condition so it is as
 valuable as it was before damage
 occurred.

 Under Wausau's promise to "repair
 or replace the damaged property
 with material of like kind and
 quality," the general coverage of
 the policy extended not only to
 the cost of repairs but also to
 the diminution in value of the
 repaired vehicles.

Mississippi Held that if, despite repairs,
 there remains "a loss in actual
 market value, estimated as of the
 collision date, such deficiency is
 to be added to the cost of
 repairs."

North Dakota Third-party diminished value claim.


Ohio Third-party diminished value claim.
 Court held that the owner of a
 damaged vehicle may prove and
 recover the reasonable cost of
 repairs provided that the cost of
 the repairs does not exceed the
 diminution in market value or the
 fair market value of the vehicle
 before the damage was sustained.

South Dakota Diminished value applies only when
 vehicle is damaged beyond repair.

Tennessee If after repair, auto is restored
 to function and appearance but not
 to fair market price, the insured
 can recover for the difference.

* Insurance Services Office form allows exclusion of diminished-value
coverage.

Source: National Association of Independent Insurers
Total Auto, Top Writers--2001

Rank is based on 2001 direct premiums written.

($ Thousands)

 2001 Direct
 Premiums
Rank Group AMB # Written

 1 State Farm Group 00088 $25,572,683
 2 Allstate Ins Group 00008 15,200,422
 3 Zurich/Farmers Group 18549 9,056,206
 4 Progressive Group 00780 7,222,716
 5 Nationwide Group 05987 6,743,054
 6 Berkshire Hathaway 00811 6,199,297
 7 USAA Group 04080 4,522,861
 8 Travelers/Citigroup 18358 3,946,760
 9 Liberty Mutual Ins Cos 00060 3,701,427
 10 Amer International Group Inc 18540 3,262,745
 11 American Family Ins Group 00124 2,722,106
 12 Hartford Ins Group 00048 2,670,925
 13 CNA Ins Cos 18313 2,282,674
 14 Safeco Ins Cos 00078 2,156,236
 15 MetLife Auto & Home Group 18552 1,893,348
 16 White Mountains Ins Group 18490 1,615,122
 17 Erie Ins Group 04283 1,596,884
 18 Great American P&C Group 04835 1,529,492
 19 Calif State Auto Group 18460 1,517,527
 20 Prudential of America Group 03905 1,438,944
 21 Auto-Owners Ins Group 04354 1,378,276
 22 Allmerica P&C Cos 04861 1,356,175
 23 GMAC Ins Group 18431 1,349,980
 24 Mercury General Group 04524 1,337,963
 25 Auto Club S Calif Group 18515 1,308,084
 Top 25 P/C Cos. $111,581,907
 Total U.S. P/C Cos. $154,222,820

 %
 Change in Market Share (%)
Rank Group Premiums 2001

 1 State Farm Group 14.6 16.6
 2 Allstate Ins Group 3.4 9.9
 3 Zurich/Farmers Group 9.2 5.9
 4 Progressive Group 15.1 4.7
 5 Nationwide Group 10.2 4.4
 6 Berkshire Hathaway 8.2 4.0
 7 USAA Group 11.1 2.9
 8 Travelers/Citigroup 7.3 2.6
 9 Liberty Mutual Ins Cos 1.4 2.4
 10 Amer International Group Inc 14.8 2.1
 11 American Family Ins Group 8.2 1.8
 12 Hartford Ins Group 9.3 1.7
 13 CNA Ins Cos 0.7 1.5
 14 Safeco Ins Cos 0.4 1.4
 15 MetLife Auto & Home Group 17.2 1.2
 16 White Mountains Ins Group -16.8 1.0
 17 Erie Ins Group 11.8 1.0
 18 Great American P&C Group -0.1 1.0
 19 Calif State Auto Group 3.8 1.0
 20 Prudential of America Group 10.5 0.9
 21 Auto-Owners Ins Group 15.6 0.9
 22 Allmerica P&C Cos 7.5 0.9
 23 GMAC Ins Group 6.9 0.9
 24 Mercury General Group 13.1 0.9
 25 Auto Club S Calif Group 8.6 0.8
 Top 25 P/C Cos. 8.9 72.4
 Total U.S. P/C Cos. 9.2 100.0


 Market Share (%)
Rank Group 2000 1999

 1 State Farm Group 15.8 16.7
 2 Allstate Ins Group 10.4 10.8
 3 Zurich/Farmers Group 5.9 6.1
 4 Progressive Group 4.4 4.5
 5 Nationwide Group 4.3 4.1
 6 Berkshire Hathaway 4.1 3.6
 7 USAA Group 2.9 2.7
 8 Travelers/Citigroup 2.6 2.5
 9 Liberty Mutual Ins Cos 2.6 2.5
 10 Amer International Group Inc 2.0 1.8
 11 American Family Ins Group 1.8 1.8
 12 Hartford Ins Group 1.7 1.7
 13 CNA Ins Cos 1.6 1.7
 14 Safeco Ins Cos 1.5 1.6
 15 MetLife Auto & Home Group 1.1 1.1
 16 White Mountains Ins Group 1.4 1.4
 17 Erie Ins Group 1.0 1.0
 18 Great American P&C Group 1.1 1.0
 19 Calif State Auto Group 1.0 1.0
 20 Prudential of America Group 0.9 0.9
 21 Auto-Owners Ins Group 0.8 0.8
 22 Allmerica P&C Cos 0.9 0.8
 23 GMAC Ins Group 0.9 0.9
 24 Mercury General Group 0.8 0.9
 25 Auto Club S Calif Group 0.9 0.8
 Top 25 P/C Cos. 72.5 72.7
 Total U.S. P/C Cos. 100.0 100.0


 Adjusted Loss Ratios (1)
Rank Group 2001

 1 State Farm Group 84.3
 2 Allstate Ins Group 64.9
 3 Zurich/Farmers Group 68.4
 4 Progressive Group 59.7
 5 Nationwide Group 68.4
 6 Berkshire Hathaway 71.5
 7 USAA Group 74.0
 8 Travelers/Citigroup 74.7
 9 Liberty Mutual Ins Cos 78.7
 10 Amer International Group Inc 75.7
 11 American Family Ins Group 70.6
 12 Hartford Ins Group 67.0
 13 CNA Ins Cos 110.9
 14 Safeco Ins Cos 68.3
 15 MetLife Auto & Home Group 66.9
 16 White Mountains Ins Group 80.2
 17 Erie Ins Group 74.2
 18 Great American P&C Group 65.4
 19 Calif State Auto Group 71.6
 20 Prudential of America Group 65.8
 21 Auto-Owners Ins Group 74.5
 22 Allmerica P&C Cos 77.5
 23 GMAC Ins Group 82.2
 24 Mercury General Group 61.1
 25 Auto Club S Calif Group 72.1
 Top 25 P/C Cos. 73.6
 Total U.S. P/C Cos. 73.4

 % of
 Adjusted Loss Ratios Company
 (1)
Rank Group 2000 1999 Premiums

 1 State Farm Group 80.2 69.6 68.1
 2 Allstate Ins Group 65.4 58.7 74.1
 3 Zurich/Farmers Group 72.6 67.8 42.5
 4 Progressive Group 69.9 62.9 97.9
 5 Nationwide Group 72.7 66.7 61.6
 6 Berkshire Hathaway 78.2 71.8 83.7
 7 USAA Group 76.3 75.0 72.3
 8 Travelers/Citigroup 72.4 66.6 33.1
 9 Liberty Mutual Ins Cos 77.9 70.7 38.8
 10 Amer International Group Inc 78.2 71.3 21.1
 11 American Family Ins Group 70.3 68.1 65.7
 12 Hartford Ins Group 67.7 66.0 34.8
 13 CNA Ins Cos 76.3 73.2 18.5
 14 Safeco Ins Cos 74.3 70.5 47.5
 15 MetLife Auto & Home Group 67.1 63.9 74.7
 16 White Mountains Ins Group 83.9 69.1 42.0
 17 Erie Ins Group 67.8 62.2 62.9
 18 Great American P&C Group 68.7 62.9 43.3
 19 Calif State Auto Group 73.3 82.0 86.5
 20 Prudential of America Group 57.2 55.7 74.1
 21 Auto-Owners Ins Group 69.9 71.7 51.5
 22 Allmerica P&C Cos 71.4 73.1 54.0
 23 GMAC Ins Group 64.3 65.5 60.3
 24 Mercury General Group 59.3 55.5 92.7
 25 Auto Club S Calif Group 71.9 63.1 89.5
 Top 25 P/C Cos. 73.3 66.9 54.8
 Total U.S. P/C Cos. 73.1 67.7 43.6

(1)ALR: Adjusted loss ratio is direct losses incurred divided by the
difference between direct premiums earned and dividends paid to
policyholders.

Source: A.M. Best Co. data, as of June 28, 2002. For custom data, please
call (908) 439-2200, ext. 5383.
Total Commercial Auto, Top Writers--2001

Rank is based on 2001 direct premiums written.

($ Thousands)


 2001 Direct
 Premiums % Change in
Rank Group AMB # Written Premiums

 1 Zurich/Farmers Group 18549 $1,625,381 25.1
 2 Travelers/Citigroup 18358 1,314,723 5.1
 3 St Paul Cos 00080 1,103,166 41.4
 4 CNA Ins Cos 18313 1,026,241 7.2
 5 Progressive Group 00780 841,430 44.5
 6 State Farm Group 00088 785,757 14.0
 7 Liberty Mutual Ins Cos 00060 751,843 -11.9
 8 Amer International Group 18540 720,315 37.5
 9 Nationwide Group 05987 598,929 13.6
 10 Old Republic General Group 00734 504,671 13.2
 11 Auto-Owners Ins Group 04354 496,506 16.9
 12 Allstate Ins Group 00008 484,651 11.6
 13 Hartford Ins Group 00048 482,287 10.1
 14 White Mountains Ins Group 18490 461,427 -37.9
 15 Kemper Ins Cos 04427 444,315 66.1
 16 Cincinnati Ins Cos 04294 416,362 51.4
 17 Allianz of America 18429 392,108 61.0
 18 Safeco Ins Cos 00078 368,104 -12.8
 19 Winterthur Swiss Group 05658 352,804 24.1
 20 HDI US Group 18492 338,575 84.3
 21 Royal & SunAlliance 18371 321,489 -10.0
 22 WR Berkley Group 04655 296,436 34.3
 23 Fairfax Fin (US) Group 03116 294,328 11.5
 24 Allmerica P&C Cos 04861 290,132 6.2
 25 Great Amer P&C Group 04835 281,086 23.0
 Top 25 P/C Cos $14,993,066 15.6
 Total U.S. P/C Cos $23,888,343 15.3



 Market Share %
Rank Group 2001 2000 1999

 1 Zurich/Farmers Group 6.8 6.3 5.5
 2 Travelers/Citigroup 5.5 6.0 5.8
 3 St Paul Cos 4.6 3.8 3.5
 4 CNA Ins Cos 4.3 4.6 5.4
 5 Progressive Group 3.5 2.8 2.4
 6 State Farm Group 3.3 3.3 3.6
 7 Liberty Mutual Ins Cos 3.1 4.1 4.3
 8 Amer International Group 3.0 2.5 3.0
 9 Nationwide Group 2.5 2.5 2.5
 10 Old Republic General Group 2.1 2.2 2.5
 11 Auto-Owners Ins Group 2.1 2.0 1.9
 12 Allstate Ins Group 2.0 2.1 2.1
 13 Hartford Ins Group 2.0 2.1 2.3
 14 White Mountains Ins Group 1.9 3.6 3.1
 15 Kemper Ins Cos 1.9 1.3 0.9
 16 Cincinnati Ins Cos 1.7 1.3 1.2
 17 Allianz of America 1.6 1.2 1.3
 18 Safeco Ins Cos 1.5 2.0 2.2
 19 Winterthur Swiss Group 1.5 1.4 1.3
 20 HDI US Group 1.4 0.9 0.7
 21 Royal & SunAlliance 1.3 1.7 1.9
 22 WR Berkley Group 1.2 1.1 1.3
 23 Fairfax Fin (US) Group 1.2 1.3 1.6
 24 Allmerica P&C Cos 1.2 1.3 1.3
 25 Great Amer P&C Group 1.2 1.1 1.1
 Top 25 P/C Cos 62.8 62.6 62.8
 Total U.S. P/C Cos 100.0 100.0 100.0



 Adjusted Loss Ratios (1)
Rank Group 2001 2000

 1 Zurich/Farmers Group 73.9 76.7
 2 Travelers/Citigroup 80.6 73.6
 3 St Paul Cos 75.6 65.6
 4 CNA Ins Cos 110.8 83.7
 5 Progressive Group 59.0 60.6
 6 State Farm Group 74.9 70.2
 7 Liberty Mutual Ins Cos 99.5 105.2
 8 Amer International Group 58.9 97.7
 9 Nationwide Group 70.0 75.8
 10 Old Republic General Group 68.0 80.1
 11 Auto-Owners Ins Group 71.2 72.0
 12 Allstate Ins Group 70.8 68.2
 13 Hartford Ins Group 55.8 71.5
 14 White Mountains Ins Group 90.1 86.3
 15 Kemper Ins Cos 74.0 74.3
 16 Cincinnati Ins Cos 73.0 109.5
 17 Allianz of America 76.3 94.2
 18 Safeco Ins Cos 65.3 76.5
 19 Winterthur Swiss Group 66.5 70.2
 20 HDI US Group 106.4 83.7
 21 Royal & SunAlliance 91.0 77.6
 22 WR Berkley Group 58.1 76.9
 23 Fairfax Fin (US) Group 103.7 98.2
 24 Allmerica P&C Cos 80.5 85.0
 25 Great Amer P&C Group 55.6 66.3
 Top 25 P/C Cos 77.4 79.4
 Total U.S. P/C Cos 75.4 78.2

 % of
 Total
 Adjusted Company
 Loss
 Ratios (1)
Rank Group 1999 Premiums

 1 Zurich/Farmers Group 81.2 7.6
 2 Travelers/Citigroup 69.7 11.0
 3 St Paul Cos 71.5 17.2
 4 CNA Ins Cos 82.6 8.3
 5 Progressive Group 60.9 11.4
 6 State Farm Group 61.5 2.1
 7 Liberty Mutual Ins Cos 96.5 7.9
 8 Amer International Group 103.1 4.7
 9 Nationwide Group 78.0 5.5
 10 Old Republic General Group 95.9 30.0
 11 Auto-Owners Ins Group 71.6 18.6
 12 Allstate Ins Group 65.4 2.4
 13 Hartford Ins Group 66.1 6.3
 14 White Mountains Ins Group 69.7 12.0
 15 Kemper Ins Cos 66.4 9.4
 16 Cincinnati Ins Cos 77.3 15.3
 17 Allianz of America 72.2 7.5
 18 Safeco Ins Cos 70.0 8.1
 19 Winterthur Swiss Group 68.4 20.1
 20 HDI US Group 116.4 16.1
 21 Royal & SunAlliance 79.0 6.9
 22 WR Berkley Group 88.7 17.6
 23 Fairfax Fin (US) Group 82.8 12.7
 24 Allmerica P&C Cos 76.4 11.5
 25 Great Amer P&C Group 64.5 8.0
 Top 25 P/C Cos 77.5 7.3
 Total U.S. P/C Cos 76.3 6.8

(1)ALR: Adjusted loss ratio is direct losses incurred divided by the
difference between direct premiums earned and dividends paid to
policyholders.

Source: A.M. Best Co. data, as of June 28, 2002. For custom data, please
call (908) 439-2200, ext. 5383.
Private Passenger Auto, Top Writers--2001

Rank is based on 2001 direct premiums written.

($ Thousands)


 2001 Direct %
 Premiums Change in
Rank Group AMB # Written Premiums

 1 State Farm Group 00088 $24,786,926 14.7
 2 Allstate Ins Group 00008 14,715,771 3.2
 3 Zurich/Farmers Group 18549 7,430,825 6.2
 4 Progressive Group 00780 6,381,286 12.1
 5 Nationwide Group 05987 6,144,124 9.9
 6 Berkshire Hathaway 00811 6,027,309 7.1
 7 USAA Group 04080 4,522,787 11.1
 8 Liberty Mutual Ins Cos 00060 2,949,584 5.5
 9 Amer Family Ins Group 00124 2,682,461 8.2
 10 Travelers/Citigroup 18358 2,632,037 8.5
 11 Amer International Group 18540 2,542,430 9.6
 12 Hartford Ins Group 00048 2,188,638 9.1
 13 MetLife Auto & Home Group 18552 1,893,348 17.2
 14 Safeco Ins Cos 00078 1,788,132 3.6
 15 Calif State Auto Group 18460 1,517,527 3.8
 16 Prudential of Amer Group 03905 1,429,419 10.6
 17 Erie Ins Group 04283 1,385,884 10.4
 18 Auto Club S Calif Group 18515 1,308,084 8.6
 19 Mercury General Group 04524 1,282,847 12.9
 20 CNA Ins Cos 18313 1,256,433 -4.1
 21 Great Amer P&C Group 04835 1,248,406 -4.2
 22 White Mountains Inc Group 18490 1,153,695 -3.6
 23 GMAC Ins Group 18431 1,109,428 3.1
 24 Allmerica P&C Cos 04861 1,066,043 7.9
 25 Auto Club Group 00312 1,030,678 7.1
 Top 25 P/C Cos. $100,474,103 8.7
 Total U.S. P/C Cos. $130,334,477 8.1



 Market Share (%)
Rank Group 2001 2000

 1 State Farm Group 19.0 17.9
 2 Allstate Ins Group 11.3 11.8
 3 Zurich/Farmers Group 5.7 5.8
 4 Progressive Group 4.9 4.7
 5 Nationwide Group 4.7 4.6
 6 Berkshire Hathaway 4.6 4.7
 7 USAA Group 3.5 3.4
 8 Liberty Mutual Ins Cos 2.3 2.3
 9 Amer Family Ins Group 2.1 2.1
 10 Travelers/Citigroup 2.0 2.0
 11 Amer International Group 2.0 1.9
 12 Hartford Ins Group 1.7 1.7
 13 MetLife Auto & Home Group 1.5 1.3
 14 Safeco Ins Cos 1.4 1.4
 15 Calif State Auto Group 1.2 1.2
 16 Prudential of Amer Group 1.1 1.1
 17 Erie Ins Group 1.1 1.0
 18 Auto Club S Calif Group 1.0 1.0
 19 Mercury General Group 1.0 0.9
 20 CNA Ins Cos 1.0 1.1
 21 Great Amer P&C Group 1.0 1.1
 22 White Mountains Inc Group 0.9 1.0
 23 GMAC Ins Group 0.9 0.9
 24 Allmerica P&C Cos 0.8 0.8
 25 Auto Club Group 0.8 0.8
 Top 25 P/C Cos. 77.1 76.7
 Total U.S. P/C Cos. 100.0 100.0



 Market
 Share (%)
Rank Group 1999

 1 State Farm Group 18.9
 2 Allstate Ins Group 12.2
 3 Zurich/Farmers Group 6.2
 4 Progressive Group 4.8
 5 Nationwide Group 4.4
 6 Berkshire Hathaway 4.1
 7 USAA Group 3.1
 8 Liberty Mutual Ins Cos 2.2
 9 Amer Family Ins Group 2.0
 10 Travelers/Citigroup 2.0
 11 Amer International Group 1.7
 12 Hartford Ins Group 1.6
 13 MetLife Auto & Home Group 1.2
 14 Safeco Ins Cos 1.5
 15 Calif State Auto Group 1.2
 16 Prudential of Amer Group 1.1
 17 Erie Ins Group 1.0
 18 Auto Club S Calif Group 1.0
 19 Mercury General Group 1.0
 20 CNA Ins Cos 1.1
 21 Great Amer P&C Group 1.0
 22 White Mountains Inc Group 1.1
 23 GMAC Ins Group 0.9
 24 Allmerica P&C Cos 0.8
 25 Auto Club Group 0.8
 Top 25 P/C Cos. 76.8
 Total U.S. P/C Cos. 100.0



 Adjusted Loss Ratios (1)
Rank Group 2001

 1 State Farm Group 84.6
 2 Allstate Ins Group 64.7
 3 Zurich/Farmers Group 67.2
 4 Progressive Group 59.7
 5 Nationwide Group 68.3
 6 Berkshire Hathaway 72.2
 7 USAA Group 74.0
 8 Liberty Mutual Ins Cos 73.4
 9 Amer Family Ins Group 70.7
 10 Travelers/Citigroup 71.6
 11 Amer International Group 80.0
 12 Hartford Ins Group 69.5
 13 MetLife Auto & Home Group 66.9
 14 Safeco Ins Cos 68.9
 15 Calif State Auto Group 71.6
 16 Prudential of Amer Group 65.6
 17 Erie Ins Group 74.1
 18 Auto Club S Calif Group 72.1
 19 Mercury General Group 61.1
 20 CNA Ins Cos 111.0
 21 Great Amer P&C Group 67.3
 22 White Mountains Inc Group 75.5
 23 GMAC Ins Group 83.4
 24 Allmerica P&C Cos 76.7
 25 Auto Club Group 85.0
 Top 25 P/C Cos. 73.4
 Total U.S. P/C Cos. 73.0

 % of
 Total
 Adjusted Loss Ratios Company
 (1)
Rank Group 2000 1999 Premiums

 1 State Farm Group 80.5 69.8 66.1
 2 Allstate Ins Group 65.4 58.5 71.7
 3 Zurich/Farmers Group 72.0 65.9 34.9
 4 Progressive Group 70.7 63.0 86.5
 5 Nationwide Group 72.4 65.7 56.1
 6 Berkshire Hathaway 78.8 72.0 81.4
 7 USAA Group 76.3 75.0 72.3
 8 Liberty Mutual Ins Cos 69.5 62.3 30.9
 9 Amer Family Ins Group 70.4 68.4 64.8
 10 Travelers/Citigroup 71.8 65.1 22.1
 11 Amer International Group 73.9 62.5 16.5
 12 Hartford Ins Group 66.8 65.9 28.6
 13 MetLife Auto & Home Group 67.2 63.9 74.7
 14 Safeco Ins Cos 73.8 70.6 39.4
 15 Calif State Auto Group 73.3 82.0 86.5
 16 Prudential of Amer Group 57.2 55.3 73.6
 17 Erie Ins Group 66.8 62.4 54.6
 18 Auto Club S Calif Group 71.9 63.1 89.5
 19 Mercury General Group 60.1 55.6 88.9
 20 CNA Ins Cos 70.2 65.8 10.2
 21 Great Amer P&C Group 69.1 62.6 35.3
 22 White Mountains Inc Group 82.5 68.8 30.0
 23 GMAC Ins Group 63.9 66.7 49.6
 24 Allmerica P&C Cos 67.6 72.3 42.4
 25 Auto Club Group 88.0 77.7 85.9
 Top 25 P/C Cos. 73.0 66.1 49.7
 Total U.S. P/C Cos. 72.3 66.3 36.9

(1)ALR: Adjusted loss ratio is direct losses incurred divided by the
difference between direct premiums earned and dividends paid to
policyholders.

Source: A.M. Best Co. data, as of June 28, 2002. For custom data, please
call (908) 439-2200, ext. 5383.
Auto Liability, Top Writers--2001

Rank is based on 2001 direct premiums written.

($ Thousands)

 2001 Direct %
 Premiums Change in
Rank Group AMB # Written Premiums

 1 State Farm Group 00088 $14,383,255 14.0
 2 Allstate Ins Group 00008 8,594,427 4.0
 3 Zurich/Farmers Group 18549 5,382,756 9.3
 4 Progressive Group 00780 4,446,401 17.2
 5 Nationwide Group 05987 4,223,083 10.0
 6 Berkshire Hathaway 00811 3,805,116 9.0
 7 Travelers/Citigroup 18358 2,554,986 7.8
 8 USAA Group 04080 2,416,666 11.3
 9 Liberty Mutual Ins Cos 00060 2,298,091 -2.3
 10 Amer International Group 18540 2,199,193 16.7
 11 Hartford Ins Group 00048 1,687,191 8.7
 12 CNA Ins Cos 18313 1,564,633 2.1
 13 Amer Family Ins Group 00124 1,442,070 6.7
 14 Safeco Ins Cos 00078 1,271,398 0.0
 15 MetLife Auto & Home Group 18552 1,081,999 15.8
 16 White Mountains Ins Group 18490 1,008,191 -18.8
 17 St Paul Cos 00080 981,543 16.0
 18 Great Amer P&C Group 04835 948,961 -3.4
 19 Erie Ins Group 04283 936,557 11.7
 20 Prudential of Amer Group 03905 898,316 10.0
 21 Calif State Auto Group 18460 810,037 0.3
 22 Mercury General Group 04524 789,137 13.3
 23 Allmerica P & C Cos 04861 767,357 7.4
 24 Auto-Owners Ins Group 04354 754,896 14.0
 25 Royal & SunAlliance 18371 731,020 -5.0
 Top 25 P/C Cos $65,977,281 8.6
 Total U.S. P/C Cos $92,067,492 9.0


 Market Share (%)
Rank Group 2001 2000

 1 State Farm Group 15.6 14.9
 2 Allstate Ins Group 9.3 9.8
 3 Zurich/Farmers Group 5.8 5.8
 4 Progressive Group 4.8 4.5
 5 Nationwide Group 4.6 4.5
 6 Berkshire Hathaway 4.1 4.1
 7 Travelers/Citigroup 2.8 2.8
 8 USAA Group 2.6 2.6
 9 Liberty Mutual Ins Cos 2.5 2.8
 10 Amer International Group 2.4 2.2
 11 Hartford Ins Group 1.8 1.8
 12 CNA Ins Cos 1.7 1.8
 13 Amer Family Ins Group 1.6 1.6
 14 Safeco Ins Cos 1.4 1.5
 15 MetLife Auto & Home Group 1.2 1.1
 16 White Mountains Ins Group 1.1 1.5
 17 St Paul Cos 1.1 1.0
 18 Great Amer P&C Group 1.0 1.2
 19 Erie Ins Group 1.0 1.0
 20 Prudential of Amer Group 1.0 1.0
 21 Calif State Auto Group 0.9 1.0
 22 Mercury General Group 0.9 0.8
 23 Allmerica P & C Cos 0.8 0.8
 24 Auto-Owners Ins Group 0.8 0.8
 25 Royal & SunAlliance 0.8 0.9
 Top 25 P/C Cos 71.7 71.9
 Total U.S. P/C Cos 100.0 100.0


 Market
 Share (%)
Rank Group 1999

 1 State Farm Group 15.9
 2 Allstate Ins Group 10.3
 3 Zurich/Farmers Group 5.8
 4 Progressive Group 4.6
 5 Nationwide Group 4.3
 6 Berkshire Hathaway 3.6
 7 Travelers/Citigroup 2.7
 8 USAA Group 2.4
 9 Liberty Mutual Ins Cos 2.7
 10 Amer International Group 2.1
 11 Hartford Ins Group 1.8
 12 CNA Ins Cos 1.9
 13 Amer Family Ins Group 1.6
 14 Safeco Ins Cos 1.6
 15 MetLife Auto & Home Group 1.0
 16 White Mountains Ins Group 1.5
 17 St Paul Cos 0.9
 18 Great Amer P&C Group 1.1
 19 Erie Ins Group 1.0
 20 Prudential of Amer Group 1.0
 21 Calif State Auto Group 1.0
 22 Mercury General Group 0.9
 23 Allmerica P & C Cos 0.8
 24 Auto-Owners Ins Group 0.7
 25 Royal & SunAlliance 1.0
 Top 25 P/C Cos 72.2
 Total U.S. P/C Cos 100.0


 Adjusted Loss Ratios (1)
Rank Group 2001

 1 State Farm Group 89.4
 2 Allstate Ins Group 69.4
 3 Zurich/Farmers Group 66.3
 4 Progressive Group 60.6
 5 Nationwide Group 69.0
 6 Berkshire Hathaway 75.3
 7 Travelers/Citigroup 81.9
 8 USAA Group 79.5
 9 Liberty Mutual Ins Cos 87.7
 10 Amer International Group 78.3
 11 Hartford Ins Group 68.1
 12 CNA Ins Cos 136.6
 13 Amer Family Ins Group 70.9
 14 Safeco Ins Cos 72.1
 15 MetLife Auto & Home Group 69.3
 16 White Mountains Ins Group 88.6
 17 St Paul Cos 81.1
 18 Great Amer P&C Group 65.8
 19 Erie Ins Group 81.4
 20 Prudential of Amer Group 67.7
 21 Calif State Auto Group 71.7
 22 Mercury General Group 60.4
 23 Allmerica P & C Cos 86.0
 24 Auto-Owners Ins Group 77.9
 25 Royal & SunAlliance 82.8
 Top 25 P/C Cos 77.6
 Total U.S. P/C Cos 77.4

 % of
 Adjusted Loss Ratios Company
 (1)
Rank Group 2000 1999 Premiums

 1 State Farm Group 81.3 69.1 38.3
 2 Allstate Ins Group 71.4 61.1 41.9
 3 Zurich/Farmers Group 74.5 70.6 25.3
 4 Progressive Group 74.1 64.6 60.2
 5 Nationwide Group 72.1 68.1 38.6
 6 Berkshire Hathaway 83.4 74.5 51.4
 7 Travelers/Citigroup 77.1 68.1 21.4
 8 USAA Group 85.2 78.4 38.6
 9 Liberty Mutual Ins Cos 84.4 73.5 24.1
 10 Amer International Group 81.6 71.5 14.2
 11 Hartford Ins Group 68.3 66.6 22.0
 12 CNA Ins Cos 75.3 80.7 12.7
 13 Amer Family Ins Group 68.3 70.4 34.8
 14 Safeco Ins Cos 79.1 74.6 28.0
 15 MetLife Auto & Home Group 67.9 65.9 42.7
 16 White Mountains Ins Group 93.9 71.7 26.2
 17 St Paul Cos 70.8 57.8 15.3
 18 Great Amer P&C Group 70.1 64.1 26.8
 19 Erie Ins Group 71.5 63.6 36.9
 20 Prudential of Amer Group 56.6 57.6 46.3
 21 Calif State Auto Group 70.2 79.8 46.2
 22 Mercury General Group 59.4 56.2 54.7
 23 Allmerica P & C Cos 76.3 79.0 30.5
 24 Auto-Owners Ins Group 67.4 72.9 28.2
 25 Royal & SunAlliance 73.3 68.6 15.6
 Top 25 P/C Cos 76.3 68.5 31.3
 Total U.S. P/C Cos 76.3 69.8 26.0

(1)ALR: Adjusted loss ratio is direct losses incurred divided by the
difference between direct premiums earned and dividends paid to
policyholders.

Source: A.M. Best Co. data, as of June 28, 2002. For custom data, please
call (908) 439-2200, ext. 5383.
Auto Physical Damage, Top Writers--2001

Rank is based on 2001 direct premiums written.

($ Thousands)


 2001 Direct %
 Premiums Change in
Rank Group ABM # Written Premiums

 1 State Farm Group 00088 $11,189,428 15.5
 2 Allstate Ins Group 00008 6,605,995 2.6
 3 Zurich/Farmers Group 18549 3,673,449 9.0
 4 Progressive Group 00780 2,776,315 12.0
 5 Nationwide Group 05987 2,519,970 10.5
 6 Berkshire Hathaway 00811 2,394,182 6.9
 7 USAA Group 04080 2,106,195 10.8
 8 Liberty Mutual Ins Cos 00060 1,403,336 8.0
 9 Travelers/Citigroup 18358 1,391,774 6.5
 10 Amer Family Ins Group 00124 1,280,036 10.0
 11 Amer International Group 18540 1,063,552 11.0
 12 Hartford Ins Group 00048 983,734 10.3
 13 Safeco Ins Cos 00078 884,838 0.9
 14 MetLife Auto & Home Group 18552 811,349 19.2
 15 CNA Ins Cos 18313 718,041 -2.2
 16 Calif State Auto Group 18460 707,490 8.1
 17 Erie Ins Group 04283 660,327 12.0
 18 GMAC Ins Group 18431 624,444 7.7
 19 Auto-Owners Ins Group 04354 623,380 17.6
 20 White Mountains Ins Group 18490 606,930 -13.1
 21 Auto Club Group 00312 598,176 3.9
 22 Auto Club S Calif Group 18515 593,203 12.0
 23 Allmerica P&C Cos 04861 588,818 7.7
 24 Great Amer P&C Group 04835 580,531 5.7
 25 Mercury General Group 04524 548,826 12.9
 Top 25 P/C Cos. $45,934,319 9.2
 Total U.S. P/C Cos. $62,155,328 9.4



 Market Share (%)
Rank Group 2001 2000

 1 State Farm Group 18.0 17.0
 2 Allstate Ins Group 10.6 11.3
 3 Zurich/Farmers Group 5.9 5.9
 4 Progressive Group 4.5 4.4
 5 Nationwide Group 4.1 4.0
 6 Berkshire Hathaway 3.9 3.9
 7 USAA Group 3.4 3.3
 8 Liberty Mutual Ins Cos 2.3 2.3
 9 Travelers/Citigroup 2.2 2.3
 10 Amer Family Ins Group 2.1 2.0
 11 Amer International Group 1.7 1.7
 12 Hartford Ins Group 1.6 1.6
 13 Safeco Ins Cos 1.4 1.5
 14 MetLife Auto & Home Group 1.3 1.2
 15 CNA Ins Cos 1.2 1.3
 16 Calif State Auto Group 1.1 1.2
 17 Erie Ins Group 1.1 1.0
 18 GMAC Ins Group 1.0 1.0
 19 Auto-Owners Ins Group 1.0 0.9
 20 White Mountains Ins Group 1.0 1.2
 21 Auto Club Group 1.0 1.0
 22 Auto Club S Calif Group 1.0 0.9
 23 Allmerica P&C Cos 0.9 1.0
 24 Great Amer P&C Group 0.9 1.0
 25 Mercury General Group 0.9 0.9
 Top 25 P/C Cos. 73.9 74.0
 Total U.S. P/C Cos. 100.0 100.0



 Market Adjusted Loss Ratio (1)
 Share (%)
Rank Group 1999 2001

 1 State Farm Group 18.0 77.8
 2 Allstate Ins Group 11.6 59.1
 3 Zurich/Farmers Group 6.5 71.4
 4 Progressive Group 4.3 58.2
 5 Nationwide Group 3.9 67.4
 6 Berkshire Hathaway 3.5 65.6
 7 USAA Group 3.1 67.7
 8 Liberty Mutual Ins Cos 2.2 63.7
 9 Travelers/Citigroup 2.2 61.7
 10 Amer Family Ins Group 2.0 70.2
 11 Amer International Group 1.5 70.7
 12 Hartford Ins Group 1.5 65.2
 13 Safeco Ins Cos 1.6 62.8
 14 MetLife Auto & Home Group 1.1 63.6
 15 CNA Ins Cos 1.4 58.2
 16 Calif State Auto Group 1.1 71.5
 17 Erie Ins Group 1.0 63.9
 18 GMAC Ins Group 1.0 65.8
 19 Auto-Owners Ins Group 0.8 70.3
 20 White Mountains Ins Group 1.2 65.7
 21 Auto Club Group 1.1 70.7
 22 Auto Club S Calif Group 0.9 75.1
 23 Allmerica P&C Cos 0.9 66.5
 24 Great Amer P&C Group 0.8 64.8
 25 Mercury General Group 0.9 62.1
 Top 25 P/C Cos. 74.2 67.9
 Total U.S. P/C Cos. 100.0 67.4

 % of
 Total
 Adjusted Loss Ratio Company
 (1)
Rank Group 2000 1999 Premiums

 1 State Farm Group 78.8 70.3 29.8
 2 Allstate Ins Group 57.7 55.3 32.2
 3 Zurich/Farmers Group 70.0 63.9 17.2
 4 Progressive Group 63.4 60.0 37.6
 5 Nationwide Group 73.7 64.4 23.0
 6 Berkshire Hathaway 70.2 67.5 32.3
 7 USAA Group 66.0 70.9 33.7
 8 Liberty Mutual Ins Cos 65.9 65.2 14.7
 9 Travelers/Citigroup 63.8 63.7 11.7
 10 Amer Family Ins Group 72.6 65.3 30.9
 11 Amer International Group 71.4 70.9 6.9
 12 Hartford Ins Group 66.6 64.8 12.8
 13 Safeco Ins Cos 67.2 64.3 19.5
 14 MetLife Auto & Home Group 65.9 61.1 32.0
 15 CNA Ins Cos 78.7 56.5 5.8
 16 Calif State Auto Group 77.4 85.0 40.3
 17 Erie Ins Group 62.3 59.9 26.0
 18 GMAC Ins Group 61.8 56.6 27.9
 19 Auto-Owners Ins Group 73.1 70.0 23.3
 20 White Mountains Ins Group 66.0 64.2 15.8
 21 Auto Club Group 69.5 59.7 49.8
 22 Auto Club S Calif Group 69.7 65.7 40.6
 23 Allmerica P&C Cos 65.1 65.5 23.4
 24 Great Amer P&C Group 66.2 60.4 16.4
 25 Mercury General Group 59.1 54.4 38.0
 Top 25 P/C Cos. 69.1 64.4 22.7
 Total U.S. P/C Cos. 68.4 64.4 17.6

(1)ALR: Adjusted loss ratio is direct losses incurred divided by the
difference between direct premiums earned and dividends paid to
policyholders.

Source: A.M. Best Co, data, as of June 28, 2002. for custom data, please
call (908) 439-2200, ext. 5383.
Total Auto, Top Writers by State--2001

Rank based on 2001 direct premiums written.

($ Thousands)

 Direct % %
 No. of Premiums U.S Premium
State Rank Cos. Written Total Change

Ala. 25 501 $2,252,483 1.5 7.1
Alaska 47 300 332,024 0.2 10.7
Ariz. 18 544 2,922,717 1.9 11.1
Ark. 31 481 1,382,501 0.9 9.1
Calif. 1 571 17,119,558 11.1 10.2

Colo. 19 500 2,896,993 1.9 11.5
Conn. 24 417 2,385,279 1.5 8.6
Del. 44 401 551,592 0.4 7.1
D.C. 51 337 235,243 0.2 3.8
Fla. 4 605 9,923,843 6.4 13.2

Ga. 10 588 4,753,906 3.1 9.1
Hawaii 43 253 566,769 0.4 6.7
Idaho 42 429 603,659 0.4 5.6
Ill. 7 640 5,889,990 3.8 6.3
Ind. 16 609 3,052,164 2.0 7.8

Iowa 32 514 1,378,434 0.9 7.0
Kan. 30 487 1,428,058 0.9 7.6
Ky. 27 514 2,049,683 1.3 6.3
La. 22 505 2,590,483 1.7 8.3
Maine 41 316 619,379 0.4 8.6

Md. 15 513 3,248,602 2.1 8.6
Mass. 11 322 4,456,987 2.9 3.9
Mich. 8 473 5,726,344 3.7 8.8
Minn. 17 497 2,961,406 1.9 9.1
Miss. 33 504 1,332,344 0.9 11.9

Mo. 20 564 2,874,368 1.9 7.3
Mont. 45 406 488,241 0.3 11.7
Neb. 37 460 902,463 0.6 7.8
Nev. 34 455 1,295,004 0.8 11.8
N.H. 39 313 698,729 0.5 8.7

N.J. 6 417 6,166,838 4.0 6.9
N.M. 38 424 897,494 0.6 5.8
N.Y. 3 513 10,780,147 7.0 11.3
N.C. 12 475 4,147,790 2.7 7.3
N.D. 48 411 327,894 0.2 7.6

Ohio 9 624 5,542,044 3.6 8.5
Okla. 29 502 1,740,015 1.1 7.7
Ore. 28 504 1,833,826 1.2 6.8
Pa. 5 585 6,818,344 4.4 8.8
R.I. 40 363 653,431 0.4 9.0

S.C. 26 472 2,159,043 1.4 9.2
S.D. 46 431 375,151 0.2 7.5
Tenn. 21 582 2,707,933 1.8 7.1
Texas 2 610 11,021,505 7.1 12.6
Utah 35 455 1,074,870 0.7 9.7

Vt. 49 314 316,397 0.2 9.2
Va. 13 535 3,702,181 2.4 9.8
Wash. 14 491 3,305,791 2.1 8.6
W.Va. 36 410 998,872 0.6 6.4
Wis. 23 566 2,461,335 1.6 7.5
Wyo. 50 362 272,671 0.2 11.1

U.S. Total 1,540 $154,222,820 100.0 9.2

 Market Share
 Agency Direct
State ALR (1) DDCCE (2) Writer (3) Writer (4)

Ala. 65.3 2.3 35.5 64.5
Alaska 76.7 4.3 25.9 74.1
Ariz. 70.2 3.1 30.4 69.6
Ark. 74.4 1.7 30.5 69.5
Calif. 70.1 4.0 38.8 61.2

Colo. 77.9 2.8 29.0 71.0
Conn. 67.0 3.4 49.5 50.5
Del. 74.2 3.8 35.9 64.1
D.C. 60.9 2.5 27.2 72.8
Fla. 78.8 3.8 36.4 63.6

Ga. 71.4 2.9 40.0 60.0
Hawaii 53.4 2.3 51.1 48.9
Idaho 65.9 2.4 35.6 64.4
Ill. 71.2 3.4 31.8 68.2
Ind. 67.3 3.1 44.1 55.9

Iowa 76.0 2.0 46.9 53.1
Kan. 69.7 1.6 29.1 70.9
Ky. 74.4 2.7 41.5 58.5
La. 80.7 6.5 34.2 65.8
Maine 66.2 2.1 56.6 43.4

Md. 73.6 2.3 29.9 70.1
Mass. 70.2 2.4 79.4 20.6
Mich. 92.4 2.3 41.0 59.0
Minn. 71.0 2.8 38.0 62.0
Miss. 72.3 2.7 35.4 64.6

Mo. 78.5 1.9 32.3 67.7
Mont. 71.9 2.0 40.7 59.3
Neb. 86.3 1.9 38.6 61.4
Nev. 66.2 2.9 31.3 68.7
N.H. 64.4 1.6 46.9 53.1

N.J. 74.6 4.8 41.7 58.3
N.M. 62.8 2.0 30.9 69.1
N.Y. 76.7 7.4 46.7 53.3
N.C. 67.4 2.0 37.5 62.5
N.D. 83.3 1.6 50.9 49.1

Ohio 73.7 2.8 53.9 46.1
Okla. 70.1 2.0 32.7 67.3
Ore. 66.6 2.3 37.1 62.9
Pa. 73.0 3.3 48.5 51.5
R.I. 70.5 2.9 44.5 55.5

S.C. 69.0 2.3 29.4 70.6
S.D. 68.0 2.1 51.5 48.5
Tenn. 67.6 2.4 34.5 65.5
Texas 78.7 3.0 32.6 67.4
Utah 86.8 2.4 30.7 69.3

Vt. 63.0 1.9 55.0 45.0
Va. 65.2 1.7 31.6 68.4
Wash. 68.4 2.7 45.2 54.8
W.Va. 74.2 3.2 32.2 67.8
Wis. 69.4 2.9 46.5 53.5
Wyo. 69.9 2.4 35.5 64.5

U.S. Total 73.4 3.3 40.0 60.0


 % Market
State Leading Writer Share

Ala. State Farm Group 21.0
Alaska State Farm Group 24.1
Ariz. State Farm Group 16.5
Ark. State Farm Group 21.2
Calif. State Farm Group 11.6

Colo. State Farm Group 21.1
Conn. Allstate Ins Group 11.0
Del. Nationwide Group 20.6
D.C. Berkshire Hathaway 26.9
Fla. State Farm Group 20.5

Ga. State Farm Group 22.2
Hawaii State Farm Group 15.5
Idaho State Farm Group 14.8
Ill. State Farm Group 27.2
Ind. State Farm Group 19.4

Iowa State Farm Group 16.7
Kan. State Farm Group 18.9
Ky. Ky Farm Bureau Group 16.9
La. State Farm Group 31.7
Maine White Mountains Ins Group 12.0

Md. State Farm Group 16.9
Mass. Commerce Group Inc 20.6
Mich. Auto Club Group 17.3
Minn. State Farm Group 20.0
Miss. State Farm Group 23.1

Mo. State Farm Group 20.3
Mont. State Farm Group 19.7
Neb. State Farm Group 21.0
Nev. State Farm Group 14.8
N.H. Liberty Mutual Ins Cos 11.5

N.J. State Farm Group 13.7
N.M. State Farm Group 20.5
N.Y. Allstate Ins Group 15.0
N.C. Nationwide Group 17.5
N.D. State Farm Group 12.7

Ohio State Farm Group 16.6
Okla. State Farm Group 18.9
Ore. State Farm Group 18.7
Pa. State Farm Group 16.1
R.I. MetLife Auto & Home 9.9

S.C. State Farm Group 26.2
S.D. State Farm Group 15.2
Tenn. State Farm Group 20.9
Texas State Farm Group 20.3
Utah State Farm Group 17.8

Vt. Allstate Ins Group 10.7
Va. State Farm Group 15.6
Wash. State Farm Group 13.7
W.Va. State Farm Group 28.5
Wis. Amer Family Ins Group 21.2
Wyo. State Farm Group 22.1

U.S. Total State Farm Group 16.6


 % Market
State Second Leading Share

Ala. Alfa Ins Group 15.0
Alaska Allstate Ins Group 21.3
Ariz. Zurich/Farmers Group 14.7
Ark. South Farm Bureau Group 14.7
Calif. Zurich/Farmers Group 11.4

Colo. Zurich/Farmers Group 14.9
Conn. Travelers/Citigroup 7.3
Del. State Farm Group 18.7
D.C. State Farm Group 19.7
Fla. Allstate Ins Group 14.2

Ga. Allstate Ins Group 10.0
Hawaii Berkshire Hathaway 14.5
Idaho Zurich/Farmers Group 13.8
Ill. Allstate Ins Group 9.6
Ind. United Farm Bureau of Ind Group 8.1

Iowa Nationwide Group 9.8
Kan. Zurich/Farmers Group 12.5
Ky. State Farm Group 16.7
La. Allstate Ins Group 12.9
Maine State Farm Group 10.4

Md. Berkshire Hathaway 13.6
Mass. Arbella Ins Group 11.7
Mich. State Farm Group 15.6
Minn. Amer Family Ins Group 11.3
Miss. South Farm Bureau Group 12.3

Mo. Amer Family Ins Group 14.7
Mont. Zurich/Farmers Group 13.3
Neb. Amer Family Ins Group 8.4
Nev. Zurich/Farmers Group 14.7
N.H. State Farm Group 10.6

N.J. NJ Manufacturers Group 10.7
N.M. Zurich/Farmers Group 15.5
N.Y. State Farm Group 11.0
N.C. State Farm Group 12.5
N.D. Amer Family Ins Group 10.0

Ohio Nationwide Group 10.5
Okla. Zurich/Farmers Group 18.6
Ore. Zurich/Farmers Group 16.2
Pa. Erie Ins Group 12.7
R.I. Allstate Ins Group 9.2

S.C. Allstate Ins Group 13.5
S.D. Amer Family Ins Group 11.2
Tenn. Tenn Farmers Cos 14.9
Texas Allstate Ins Group 14.7
Utah Zurich/Farmers Group 16.1

Vt. Progressive Group 8.1
Va. Nationwide Group 11.2
Wash. Zurich/Farmers Group 13.6
W.Va. Nationwide Group 18.8
Wis. State Farm Group 10.9
Wyo. Zurich/Farmers Group 12.8

U.S. Total Allstate Ins Group 9.9

(1)ALR: Adjusted loss ratio is direct losses incurred divided by the
difference between direct premiums earned and dividends paid to
policyholders.

(2)DDCCE: Direct defense and cost-containment expense ratio is the
former allocated loss adjustment expense (ALAE) ratio.

(3)Insurers that distribute primarily through independent agents.

(4)Insurers that distribute primarily through a direct-selling system or
an exclusive agency system.

Source: A.M. Best Statement Products: State/Line. For more information
about custom data, call (908) 439-2200, Ext 5383.
Total Commercial Auto, Top Writers by State--2001

Rank based on 2001 direct premiums written.

($ Thousands)

 Direct %
 No. of Premiums % U.S. Premium
State Rank Cos. Written Total Change

Ala. 22 393 $386,255 1.6 14.5
Alaska 50 248 47,355 0.2 6.7
Ariz. 24 401 367,701 1.5 19.9
Ark. 32 377 244,468 1.0 18.1
Calif. 1 439 2,341,217 9.8 16.7

Colo. 23 391 383,833 1.6 11.7
Conn. 25 342 351,683 1.5 22.4
Del. 43 323 95,490 0.4 19.7
D.C. 51 269 28,713 0.1 -8.6
Fla. 4 447 1,442,727 6.0 18.5

Ga. 10 444 708,976 3.0 15.5
Hawaii 44 214 89,658 0.4 18.2
Idaho 42 340 109,291 0.5 -5.7
Ill. 7 486 1,029,315 4.3 11.2
Ind. 13 459 548,607 2.3 14.1

Iowa 29 393 291,217 1.2 13.6
Kan. 33 372 238,196 1.0 11.4
Ky. 26 402 321,178 1.3 10.5
La. 19 394 435,909 1.8 16.8
Maine 39 258 116,405 0.5 21.2

Md. 20 404 428,718 1.8 16.2
Mass. 11 285 706,512 3.0 24.1
Mich. 9 406 792,597 3.3 17.7
Minn. 18 394 459,381 1.9 14.1
Miss. 31 385 249,665 1.0 12.1

Mo. 16 427 484,174 2.0 17.0
Mont. 41 320 110,545 0.5 10.9
Neb. 34 347 178,937 0.7 6.8
Nev. 36 350 163,778 0.7 19.2
N.H. 40 265 112,863 0.5 18.5

N.J. 6 351 1,031,684 4.3 14.4
N.M. 38 333 129,801 0.5 5.9
N.Y. 2 413 1,761,833 7.4 16.9
N.C. 12 400 679,456 2.8 9.7
N.D. 47 311 70,636 0.3 11.7

Ohio 8 466 865,178 3.6 12.6
Okla. 28 402 294,243 1.2 16.1
Ore. 30 389 269,167 1.1 6.6
Pa. 5 456 1,086,208 4.5 18.1
R.I. 45 294 86,232 0.4 19.3

S.C. 27 376 317,459 1.3 10.3
S.D. 46 326 80,467 0.3 1.8
Tenn. 15 450 497,064 2.1 10.3
Texas 3 514 1,662,777 7.0 20.7
Utah 35 350 171.686 0.7 11.3

Vt. 48 262 56,432 0.2 24.8
Va. 14 414 505,753 2.1 15.9
Wash. 21 380 410,623 1.7 10.9
W.Va. 37 326 133,416 0.6 2.8
Wis. 17 435 459,435 1.9 13.6
Wyo. 49 291 53,424 0.2 7.0
U.S. Total 1162 $23,888,343 100.0 15.3

 Market Share
 Agency Direct
State ALR (1) DDCCE (2) Writer (3) Writer (4)

Ala. 71.2 5.9 72.5 27.5
Alaska 50.1 6.2 58.2 41.8
Ariz. 72.6 11.6 68.7 31.3
Ark. 85.1 4.2 70.7 29.3
Calif. 67.7 5.4 71.9 28.1

Colo. 70.2 3.7 67.4 32.6
Conn. 75.1 5.3 77.2 22.8
Del. 78.6 5.4 75.2 24.8
D.C. 26.4 2.9 84.2 15.8
Fla. 75.3 5.5 70.8 29.2

Ga. 76.9 4.4 70.6 29.4
Hawaii 46.1 4.8 92.5 7.5
Idaho 66.4 3.6 74.0 26.0
Ill. 75.8 5.3 75.5 24.5
Ind. 72.0 4.1 74.5 25.5

Iowa 76.4 4.0 76.1 23.9
Kan. 78.5 4.1 67.5 32.5
Ky. 75.0 5.0 73.6 26.4
La. 91.8 11.3 74.5 25.5
Maine 64.8 3.0 75.7 24.3

Md. 70.7 3.8 71.2 28.8
Mass. 68.9 3.6 92.5 7.5
Mich. 71.0 2.8 78.6 21.4
Minn. 66.8 3.9 74.4 25.6
Miss. 85.4 5.8 70.8 29.2

Mo. 74.3 4.0 62.2 37.8
Mont. 75.3 5.0 75.9 24.1
Neb. 85.3 3.3 75.9 24.1
Nev. 81.9 8.6 67.9 32.1
N.H. 62.3 2.5 72.5 27.5

N.J. 80.4 6.4 76.5 23.5
N.M. 58.8 4.1 68.9 31.1
N.Y. 89.1 11.3 80.7 19.3
N.C. 69.1 5.6 71.2 28.8
N.D. 76.8 1.5 78.6 21.4

Ohio 104.4 7.5 79.6 20.4
Okla. 79.1 4.9 73.7 26.3
Ore. 66.4 4.7 72.5 27.5
Pa. 75.7 5.3 76.6 23.4
R.I. 71.7 4.1 83.8 16.2

S.C. 64.9 3.6 69.3 30.7
S.D. 61.6 3.0 74.7 25.3
Tenn. 69.9 4.4 75.9 24.1
Texas 79.3 6.6 73.3 26.7
Utah 55.0 3.4 68.1 31.9

Vt. 59.3 3.5 72.0 28.0
Va. 62.0 0.4 70.7 29.3
Wash. 67.2 3.4 74.3 25.7
W.Va. 78.2 5.8 70.6 29.4
Wis. 73.0 6.3 73.7 26.3
Wyo. 70.7 3.2 72.4 27.6
U.S. Total 75.4 5.6 74.4 25.6

 %
 Market
State Leading Writer Share

Ala. Zurich/Farmers Group 7.5
Alaska Alaska National Ins Co 14.1
Ariz. Zurich/Farmers Group 12.1
Ark. St Paul Cos 6.9
Calif. Zurich/Farmers Group 8.2

Colo. Zurich/Farmers Group 10.5
Conn. Hartford Ins Group 10.4
Del. Travelers/Citigroup 12.7
D.C. Travelers/Citigroup 14.7
Fla. Zurich/Farmers Group 7.8

Ga. Zurich/Farmers Group 7.6
Hawaii CNA Ins Cos 24.6
Idaho Safeco Ins Cos 8.7
Ill. Travelers/Citigroup 5.6
Ind. Liberty Mutual Ins Cos 7.8

Iowa Old Republic General Group 8.8
Kan. EMC Ins Cos 6.8
Ky. Zurich/Farmers Group 6.6
La. HDI US Group 11.3
Maine White Mountains Ins Group 18.9

Md. Zurich/Farmers Group 6.7
Mass. Arbella Ins Group 15.4
Mich. Auto-Owners Ins Group 11.6
Minn. Old Republic General Group 11.1
Miss. St Paul Cos 11.1

Mo. Zurich/Farmers Group 12.5
Mont. Travelers/Citigroup 11.5
Neb. Old Republic General Group 13.8
Nev. Zurich/Farmers Group 16.2
N.H. Liberty Mutual Ins Cos 12.1

N.J. Selective Ins Group Inc 7.2
N.M. Zurich/Farmers Group 9.0
N.Y. Travelers/Citigroup 7.8
N.C. Travelers/Citigroup 6.4
N.D. Old Republic General Group 18.7

Ohio Cincinnati Ins Cos 11.3
Okla. Zurich/Farmers Group 8.4
Ore. Zurich/Farmers Group 11.6
Pa. Erie Ins Group 8.5
R.I. Travelers/Citigroup 11.6

S.C. Zurich/Farmers Group 8.1
S.D. Old Republic General Group 13.7
Tenn. Royal & SunAlliance 6.1
Texas Zurich/Farmers Group 8.8
Utah Zurich/Farmers Group 13.1

Vt. Liberty Mutual Ins Cos 12.0
Va. Travelers/Citigroup 6.6
Wash. Safeco Ins Cos 12.1
W.Va. Nationwide Group 12.0
Wis. Winterthur Swiss Group 8.4
Wyo. Old Republic General Group 15.3
U.S. Total Zurich/Farmers Group 6.8

 %
 Market
State Second Leading Writer Share

Ala. Auto-Owners Ins Group 6.6
Alaska State Farm Group 10.5
Ariz. Auto-Owners Ins Group 6.7
Ark. Travelers/Citigroup 6.0
Calif. Progressive Group 6.0

Colo. Travelers/Citigroup 8.7
Conn. Travelers/Citigroup 9.0
Del. Zurich/Farmers Group 6.1
D.C. St Paul Cos 10.2
Fla. Progressive Group 6.4

Ga. Progressive Group 6.1
Hawaii Fairfax Fin (US) Group 19.6
Idaho Travelers/Citigroup 8.7
Ill. Zurich/Farmers Group 5.3
Ind. Auto-Owners Ins Group 6.1

Iowa EMC Ins Cos 7.2
Kan. Old Republic General Group 6.0
Ky. St Paul Cos 5.8
La. CNA Ins Cos 6.7
Maine WR Berkley Group 11.3

Md. Erie Ins Group 6.4
Mass. Tnavelers/Citigroup 11.1
Mich. Allmerica P&C Cos 8.2
Minn. Auto-Owners Ins Group 8.6
Miss. Zurich/Farmers Group 10.5

Mo. Travelers/Citigroup 6.3
Mont. Safeco Ins Cos 7.7
Neb. Travelers/Citigroup 8.8
Nev. St Paul Cos 7.8
N.H. WR Berkley Group 11.7

N.J. Zurich/Farmers Group 6.5
N.M. CNA Ins Cos 8.4
N.Y. Amer Transit Ins Co 7.1
N.C. Zurich/Farmers Group 5.9
N.D. Travelers/Citigroup 8.7

Ohio Westfield Group 7.1
Okla. Great Amer P&C Group 7.8
Ore. Safeco Ins Cos 9.9
Pa. Zurich/Farmers Group 7.4
R.I. Progressive Group 8.0

S.C. Auto-Owners Ins Group 6.2
S.D. Travelers/Citigroup 6.0
Tenn. CNA Ins Cos 5.6
Texas Winterthur Swiss Group 6.1
Utah CNA Ins Cos 7.3

Vt. Legion Ins Group 9.0
Va. Zurich/Farmers Group 6.0
Wash. Zurich/Farmers Group 11.3
W.Va. St Paul Cos 10.8
Wis. Acuity Group 7.0
Wyo. St Paul Cos 9.1
U.S. Total Travelers/Citigroup 5.5

(1)ALR: Adjusted loss ratio is direct losses incurred divided by the
difference between direct premiums earned and dividends paid to
policyholders.

(2)DDCCE: Direct defense and cost-containment expense ratio is the
former allocated loss adjustment expense (ALAE) ratio.

(3)Insurers that distribute primarily through independent agents.

(4)Insurers that distribute primarily through a direct-selling system or
an exclusive agency system.

Source: A.M. Best's Statement

Products: State/Line. For custom data, please call (908) 439-2200, ext,
5383.
Private Passenger Auto, Top Writers by State--2001

Rank based on 2001 direct premiums written.

($ Thousands)

 Direct %
 No. of Premium % U.S Premium
State Rank Cos. Written Total Change

Ala. 25 307 $1,866,228 1.4 5.7
Alaska 47 144 284,668 0.2 11.4
Ariz. 16 343 2,555,016 2.0 9.9
Ark. 31 283 1,138,033 0.9 7.4
Calif. 1 392 14,778,341 11.3 9.3

Colo. 17 310 2,513,160 1.9 11.5
Conn. 23 269 2,033,595 1.6 6.5
Del. 44 222 456,102 0.3 4.8
D.C. 51 197 206,530 0.2 5.8
Fla. 4 409 8,481,116 6.5 12.4

Ga. 10 383 4,044,931 3.1 8.0
Hawaii 43 134 477,111 0.4 4.8
Idaho 42 244 494,368 0.4 8.5
Ill. 8 438 4,860,675 3.7 5.3
Ind. 18 397 2,503,556 1.9 6.5

Iowa 33 320 1,087,217 0.8 5.4
Kan. 30 304 1,189,862 0.9 6.9
Ky. 27 309 1,728,505 1.3 5.5
La. 22 307 2,154,574 1.7 6.8
Maine 41 202 502,975 0.4 6.1

Md. 15 301 2,819,884 2.2 7.5
Mass. 11 161 3,750,475 2.9 0.8
Mich. 7 266 4,933,747 3.8 7.5
Minn. 19 320 2,502,024 1.9 8.2
Miss. 34 298 1,082,679 0.8 11.9

Mo. 20 366 2,390,194 1.8 5.5
Mont. 45 225 377,696 0.3 11.9
Neb. 38 276 723,526 0.6 8.1
Nev. 32 253 1,131,226 0.9 10.9
N.H. 39 202 585,865 0.4 7.0

N.J. 6 247 5,135,154 3.9 5.6
N.M. 37 242 767,693 0.6 5.8
N.Y. 3 353 9,018,313 6.9 10.3
N.C. 12 277 3,468,334 2.7 6.8
N.D. 49 242 257,258 0.2 6.5

Ohio 9 413 4,676,866 3.6 7.8
Okla. 29 289 1,445,772 1.1 6.2
Ore. 28 299 1,564,659 1.2 6.9
Pa. 5 383 5,732,136 4.4 7.2
R.I. 40 218 567,199 0.4 7.6

S.C. 26 263 1,841,583 1.4 9.0
S.D. 46 241 294,684 0.2 9.1
Tenn. 21 365 2,210,870 1.7 6.5
Texas 2 398 9,358,728 7.2 11.2
Utah 35 274 903,184 0.7 9.4

Vt. 48 195 259,965 0.2 6.3
Va. 13 346 3,196,428 2.5 8.9
Wash. 14 301 2,895,168 2.2 8.3
W.Va. 36 224 865,456 0.7 6.9
Wis. 24 367 2,001,900 1.5 6.2
Wyo. 50 192 219,247 0.2 12.1
U.S. Total 1,286 $130,334,477 100.0 8.1

 Market Share
 Agency Direct
State ALR (1) DDCCE (2) Writer (3) Writer (4)

Ala. 64.1 1.6 27.9 72.1
Alaska 81.1 4.0 20.5 79.5
Ariz. 69.9 1.9 24.8 75.2
Ark. 72.2 1.2 21.9 78.1
Calif. 70.5 3.7 33.5 66.5

Colo. 79.0 2.7 23.2 76.8
Conn. 65.6 3.0 44.7 55.3
Del. 73.3 3.5 27.7 72.3
D.C. 65.6 2.4 19.3 80.7
Fla. 79.3 3.6 30.5 69.5

Ga. 70.5 2.6 34.7 65.3
Hawaii 54.8 1.8 43.4 56.6
Idaho 65.8 2.1 27.1 72.9
Ill. 70.2 3.0 22.5 77.5
Ind. 66.4 2.9 37.5 62.5

Iowa 75.8 1.4 39.1 60.9
Kan. 68.0 1.1 21.4 78.6
Ky. 74.3 2.3 35.5 64.5
La. 78.6 5.6 26.0 74.0
Maine 66.5 1.9 52.2 47.8

Md. 74.1 2.1 23.6 76.4
Mass. 70.4 2.2 76.9 23.1
Mich. 95.6 2.3 34.9 65.1
Minn. 71.7 2.6 31.3 68.7
Miss. 69.4 2.0 27.3 72.7

Mo. 79.3 1.5 26.2 73.8
Mont. 70.9 1.1 30.5 69.5
Neb. 86.5 1.6 29.4 70.6
Nev. 64.1 2.2 26.0 74.0
N.H. 64.8 1.5 41.9 58.1

N.J. 73.4 4.5 34.7 65.3
N.M. 63.5 1.7 24.4 75.6
N.Y. 74.3 6.6 40.0 60.0
N.C. 67.1 1.3 30.9 69.1
N.D. 85.0 1.6 43.4 56.6

Ohio 68.3 1.9 49.1 50.9
Okla. 68.3 1.5 24.4 75.6
Ore. 66.7 1.9 31.0 69.0
Pa. 72.5 2.9 43.2 56.8
R.I. 70.3 2.7 38.5 61.5

S.C. 69.7 2.1 22.6 77.4
S.D. 69.8 1.9 45.2 54.8
Tenn. 67.1 2.0 25.2 74.8
Texas 78.6 2.4 25.3 74.7
Utah 92.8 2.2 23.6 76.4

Vt. 63.8 1.6 51.3 48.7
Va. 65.7 1.9 25.4 74.6
Wash. 68.6 2.7 41.1 58.9
W.Va. 73.6 2.8 26.3 73.7
Wis. 68.5 2.1 40.2 59.8
Wyo. 69.7 2.2 26.5 73.5
U.S. Total 73.0 2.9 33.7 66.3


 % Market
State Leading Writer Share

Ala. State Farm Group 24.5
Alaska State Farm Group 26.4
Ariz. State Farm Group 18.3
Ark. State Farm Group 24.8
Calif. State Farm Group 12.9

Colo. State Farm Group 23.5
Conn. Allstate Ins Group 12.6
Del. Nationwide Group 23.8
D.C. Berkshire Hathaway 30.5
Fla. State Farm Group 23.3

Ga. State Farm Group 25.5
Hawaii State Farm Group 18.1
Idaho State Farm Group 17.0
Ill. State Farm Group 32.1
Ind. State Farm Group 23.0

Iowa State Farm Group 20.3
Kan. State Farm Group 21.7
Ky. Ky Farm Bureau Group 19.6
La. State Farm Group 37.0
Maine State Farm Group 12.3

Md. State Farm Group 19.0
Mass. Commerce Group 22.9
Mich. Auto Club Group 20.1
Minn. State Farm Group 22.6
Miss. State Farm Group 27.6

Mo. State Farm Group 23.4
Mont. State Farm Group 24.1
Neb. State Farm Group 25.3
Nev. State Farm Group 16.4
N.H. State Farm Group 12.1

N.J. State Farm Group 16.3
N.M. State Farm Group 23.2
N.Y. Allstate Ins Group 17.1
N.C. Nationwide Group 20.1
N.D. State Farm Group 15.2

Ohio State Farm Group 19.1
Okla. State Farm Group 21.9
Ore. State Farm Group 21.0
Pa. State Farm Group 18.7
R.I. MetLife Auto & Home 11.4

S.C. State Farm Group 29.9
S.D. State Farm Group 18.2
Tenn. State Farm Group 24.8
Texas State Farm Group 23.3
Utah State Farm Group 20.3

Vt. Allstate Ins Group 12.7
Va. State Farm Group 17.7
Wash. State Farm Group 15.1
W.Va. State Farm Group 32.0
Wis. Amer Family Ins Group 25.8
Wyo. State Farm Group 25.9
U.S. Total State Farm Group 19.0


 % Market
State Second leading Writer Share

Ala. Alfa Ins Group 18.2
Alaska Allstate Ins Group 23.9
Ariz. Zurich/Farmers Group 15.1
Ark. South Farm Bureau Group 17.1
Calif. Zurich/Farmers Group 11.9

Colo. Zurich/Farmers Group 15.6
Conn. Berkshire Hathaway 8.4
Del. State Farm Group 22.2
D.C. State Farm Group 22.2
Fla. Allstate Ins Group 15.7

Ga. Allstate Ins Group 11.4
Hawaii Berkshire Hathaway 17.2
Idaho Zurich/Farmers Group 15.4
Ill. Allstate Ins Group 11.4
Ind. United Farm Bureau of Ind Group 9.4

Iowa Nationwide Group 11.0
Kan. Amer Family Ins Group 14.3
Ky. State Farm Group 19.3
La. Allstate Ins Group 14.9
Maine White Mountains Ins Group 10.4

Md. Berkshire Hathaway 15.7
Mass. Arbella Ins Group 11.0
Mich. State Farm Group 17.5
Minn. Amer Family Ins Group 13.2
Miss. South Farm Bureau Group 14.9

Mo. Amer Family Ins Group 17.4
Mont. Zurich/Farmers Group 15.9
Neb. Amer Family Ins Group 10.4
Nev. Allstate Ins Group 14.6
N.H. Liberty Mutual Ins Cos 11.3

N.J. Allstate Ins Group 12.1
N.M. Zurich/Farmers Group 16.6
N.Y. State Farm Group 12.8
N.C. State Farm Group 14.3
N.D. Amer Family Ins Group 12.4

Ohio Nationwide Group 11.7
Okla. Zurich/Farmers Group 20.7
Ore. Zurich/Farmers Group 16.9
Pa. Allstate Ins Group 14.1
R.I. Allstate Ins Group 10.4

S.C. Allstate Ins Group 15.6
S.D. Amer Family Ins Group 13.9
Tenn. Tenn Farmers Cos 17.9
Texas Allstate Ins Group 16.7
Utah Allstate Ins Group 17.3

Vt. State Farm Group 9.4
Va. Allstate Ins Group 12.2
Wash. Zurich/Farmers Group 13.9
W.Va. Nationwide Group 19.8
Wis. State Farm Group 12.9
Wyo. Zurich/Farmers Group 14.3
U.S. Total Allstate Ins Group 11.3

(1)ALR: Adjusted loss ratio is direct losses incurred divided by the
difference between direct premiums earned and dividends paid to
policyholders.

(2)DDCCE: Direct defense and cost- containment expense ratio is the
former allocated loss adjustment expense (ALAE) ratio.

(3)Insurers that distribute primarily through independent agents.

(4)Insurers that distribute primarily through a direct-selling system or
an exclusive agency system.

Source: A.M. Best's Statement Products: State/Line. For custom data,
please call (908) 439-2200, ext. 5383.
Auto Liability, Top Writers by State--2001

Rank based on 2001 direct premiums written.

($ Thousands)

 Direct %
 No. of Premiums % U.S. Premium
State Rank Cos. Written Total Change

Ala. 27 477 $1,242,745 1.3 6.9
Alaska 47 286 199,122 0.2 9.5
Ariz. 19 526 1,675,155 1.8 9.3
Ark. 31 464 785,761 0.9 8.2
Calif. 1 543 10,179,893 11.1 8.6

Colo. 18 486 1,694,351 1.8 11.6
Conn. 22 406 1,537,506 1.7 8.1
Del. 42 382 370,959 0.4 7.4
D.C. 51 325 133,590 0.1 1.2
Fla. 3 585 6,745,355 7.3 14.9

Ga. 10 568 2,535,031 2.8 10.4
Hawaii 40 243 402,111 0.4 4.0
Idaho 44 407 346,390 0.4 6.1
III. 8 616 3,247,284 3.5 5.1
Ind. 16 588 1,740,639 1.9 6.7

Iowa 32 496 749,424 0.8 6.1
Kan. 34 469 707,703 0.8 6.3
Ky. 25 491 1,302,730 1.4 5.7
La. 21 481 1,579,553 1.7 9.1
Maine 43 303 357,120 0.4 7.6

Md. 15 489 1,985,172 2.2 7.5
Mass. 9 305 2,890,583 3.1 4.1
Mich. 11 456 2,466,705 2.7 10.5
Minn. 17 474 1,728,999 1.9 7.1
Miss. 33 484 739,295 0.8 15.9

Mo. 20 543 1,597,782 1.7 6.2
Mont. 45 387 268,349 0.3 10.8
Neb. 38 442 477,881 0.5 7.4
Nev. 30 437 840,939 0.9 11.3
N.H. 41 297 393,881 0.4 6.3

N.J. 6 401 3,821,338 4.2 4.9
N.M. 37 403 536,010 0.6 5.5
N.Y. 2 494 7,485,218 8.1 13.8
N.C. 12 449 2,393,647 2.6 7.8
N.D. 49 392 161,904 0.2 6.1

Ohio 7 602 3,325,427 3.6 8.3
Okla 29 479 992,599 1.1 6.8
Ore. 28 484 1,147,561 1.2 8.0
Pa. 5 558 4,188,221 4.5 8.6
R.I. 39 351 433,494 0.5 8.2

S.C. 26 447 1,278,945 1.4 8.6
S.D. 46 412 200,102 0.2 7.1
Tenn. 23 562 1,494,690 1.6 6.9
Texas 4 593 6,488,782 7.0 11.9
Utah 35 438 636,289 0.7 11.7

Vt. 48 302 171,071 0.2 10.0
Va. 13 513 2,241,493 2.4 9.1
Wash. 14 473 2,053,467 2.2 8.6
W.Va. 36 387 600,761 0.7 5.0
Wis. 24 545 1,357,017 1.5 6.0
Wyo. 50 344 137,445 0.1 10.8

U.S. Total 1504 $92,067,492 100.0 9.0

 Market Share
 Agency Direct
State ALR (1) DDCCE (2) Writer (3) Writer (4)

Ala. 69.0 3.8 37.7 62.3
Alaska 86.6 6.8 28.0 72.0
Ariz. 69.5 5.0 32.6 67.4
Ark. 75.6 2.6 33.6 66.4
Calif. 69.5 6.0 40.6 59.4

Colo. 85.2 4.6 31.6 68.4
Conn. 70.9 4.9 50.8 49.2
Del. 80.2 5.4 36.7 63.3
D.C. 61.9 3.7 32.4 67.6
Fla. 85.0 5.3 37.5 62.5

Ga. 82.9 4.9 44.8 55.2
Hawaii 50.7 2.9 52.5 47.5
Idaho 71.2 4.0 38.2 61.8
III. 74.9 5.7 34.8 65.2
Ind. 70.5 5.1 46.1 53.9

Iowa 67.8 3.3 49.3 50.7
Kan. 71.4 2.8 32.1 67.9
Ky. 79.4 4.0 42.4 57.6
La. 88.2 10.1 37.6 62.4
Maine 69.3 3.3 58.4 41.6

Md. 76.3 3.3 32.1 67.9
Mass. 67.5 3.5 80.2 19.8
Mich. 121.2 5.1 43.4 56.6
Minn. 66.8 4.3 40.2 59.8
Miss. 76.7 4.1 38.3 61.7

Mo. 69.9 3.0 34.1 65.9
Mont. 75.2 3.0 42.6 57.4
Neb. 73.8 3.2 41.1 58.9
Nev. 68.6 4.2 32.9 67.1
N.H. 66.6 2.5 48.4 51.6

N.J. 91.6 7.4 43.5 56.5
N.M. 67.1 3.1 31.7 68.3
N.Y. 85.2 10.5 48.3 51.7
N.C. 74.3 3.1 39.4 60.6
N.D. 54.7 2.6 53.7 46.3

Ohio 78.0 4.4 54.6 45.4
Okla 75.5 3.1 34.6 65.4
Ore. 69.8 3.4 38.8 61.2
Pa. 78.2 5.0 49.8 50.2
R.I. 77.7 4.1 46.7 53.3

S.C. 74.0 3.6 30.5 69.5
S.D. 65.7 3.6 53.2 46.8
Tenn. 70.5 4.0 37.0 63.0
Texas 76.8 4.5 34.4 65.6
Utah 103.9 3.9 33.8 66.2

Vt. 65.6 3.3 55.8 44.2
Va. 65.8 2.5 33.7 66.3
Wash. 72.1 4.1 46.2 53.8
W.Va. 78.9 4.9 33.5 66.5
Wis. 71.3 4.9 48.7 51.3
Wyo. 81.5 4.4 38.6 61.4

U.S. Total 77.4 5.2 42.1 57.9


 % Market
State Leading Writer Share

Ala. State Farm Group 19.4
Alaska State Farm Group 23.6
Ariz. State Farm Group 16.4
Ark. State Farm Group 19.6
Calif. State Farm Group 11.8

Colo. State Farm Group 18.5
Conn. Allstate Ins Group 10.0
Del. Nationwide Group 21.4
D.C. Berkshire Hathaway 24.4
Fla. State Farm Group 20.4

Ga. State Farm Group 18.9
Hawaii State Farm Group 15.6
Idaho State Farm Group 14.3
III. State Farm Group 25.3
Ind. State Farm Group 18.1

Iowa State Farm Group 15.1
Kan. State Farm Group 17.5
Ky. Ky Farm Bureau Group 16.6
La. State Farm Group 30.1
Maine White Mountains Ins Group 12.0

Md. State Farm Group 15.7
Mass. Commerce Group Inc 20.2
Mich. Auto Club Group 16.8
Minn. State Farm Group 18.8
Miss. State Farm Group 20.7

Mo. State Farm Group 18.8
Mont. State Farm Group 19.0
Neb. State Farm Group 19.7
Nev. Zurich/Farmers Group 15.3
N.H. Liberty Mutual Ins Cos 11.4

N.J. State Farm Group 12.4
N.M. State Farm Group 20.6
N.Y. Allstate Ins Group 14.4
N.C. Nationwide Group 16.8
N.D. State Farm Group 11.5

Ohio State Farm Group 15.7
Okla Zurich/Farmers Group 18.9
Ore. State Farm Group 17.5
Pa. State Farm Group 15.5
R.I. Progressive Group 10.0

S.C. State Farm Group 25.4
S.D. State Farm Group 14.2
Tenn. State Farm Group 19.9
Texas State Farm Group 19.4
Utah State Farm Group 16.7

Vt. Allstate Ins Group 10.2
Va. State Farm Group 14.5
Wash. Zurich/Farmers Group 14.0
W.Va. State Farm Group 26.6
Wis. Amer Family Ins Group 19.4
Wyo. State Farm Group 20.9

U.S. Total State Farm Group 15.6


 % Market
State Second Leading Writer Share

Ala. Alfa Ins Group 14.1
Alaska Allstate Ins Group 20.3
Ariz. Zurich/Farmers Group 14.2
Ark. South Farm Bureau Group 12.4
Calif. Zurich/Farmers Group 11.5

Colo. Zurich/Farmers Group 14.8
Conn. Hartford Ins Group 7.3
Del. State Farm Group 18.0
D.C. State Farm Group 19.2
Fla. Allstate Ins Group 13.4

Ga. Progressive Group 9.6
Hawaii Berkshire Hathaway 14.1
Idaho Zurich/Farmers Group 13.5
III. Allstate Ins Group 8.3
Ind. United Farm of Ind Group 7.6

Iowa Nationwide Group 9.6
Kan. Zurich/Farmers Group 12.5
Ky. State Farm Group 16.5
La. Allstate Ins Group 11.4
Maine State Farm Group 9.9

Md. Berkshire Hathaway 12.9
Mass. Arbella Ins Group 11.9
Mich. State Farm Group 13.9
Minn. Amer Family Ins Group 11.0
Miss. South Farm Bureau Group 11.2

Mo. Amer Family Ins Group 13.5
Mont. Zurich/Farmers Group 13.2
Neb. Amer Family Ins Group 8.0
Nev. State Farm Group 14.7
N.H. State Farm Group 11.1

N.J. NJ Manufacturers Group 11.4
N.M. Zurich/Farmers Group 15.3
N.Y. State Farm Group 11.0
N.C. State Farm Group 11.7
N.D. Amer Family Ins Group 9.2

Ohio Nationwide Group 11.4
Okla State Farm Group 18.3
Ore. Zurich/Farmers Group 16.0
Pa. Erie Ins Group 12.2
R.I. MetLife Auto & Home Group 9.4

S.C. Allstate Ins Group 12.2
S.D. Amer Family Ins Group 10.2
Tenn. Tenn Farmers Cos 13.3
Texas Allstate Ins Group 14.2
Utah Zurich/Farmers Group 16.5

Vt. Progressive Group 8.9
Va. Nationwide Group 11.9
Wash. State Farm Group 13.3
W.Va. Nationwide Group 19.8
Wis. State Farm Group 10.2
Wyo. Zurich/Farmers Group 13.0

U.S. Total Allstate Ins Group 9.3

(1)ALR: Adjusted loss ratio is direct losses incurred divided by the
difference between direct premiums earned and dividends paid to
policyholders.

(2)DDCCE: Direct defense and cost-containment expense ratio is the
former allocated loss adjustment expense (ALAE) ratio.

(3)Insurers that distribute primarily through independent agents.

(4)Insures that distribute primarily through a direct-selling system or
an exclusive agency system.

Source: A.M. Best's Statement Products: State/Line. For custom data,
please call (908) 439-2200, ext. 5383.
Auto Physical Damage, Top Writers by State--2001

Rank based on 2001 direct premiums written.

($ Thousands)

 Direct %
 No. of Premiums % U.S Premium
State Rank Cos. Written Total Change

Ala. 24 451 $1,009,738 1.6 7.4
Alaska 50 260 132,901 0.2 12.5
Ariz. 18 491 1,247,562 2.0 13.7
Ark. 32 442 596,740 1.0 10.3
Calif. 1 506 6,939,665 11.2 12.6

Colo. 21 451 1,202,643 1.9 11.3
Conn. 26 365 847,772 1.4 9.3
Del. 44 343 180,632 0.3 6.5
D.C. 51 279 101,652 0.2 7.5
Fla. 5 547 3,178,488 5.1 9.8

Ga. 9 544 2,218,875 3.6 7.6
Hawaii 47 191 164,658 0.3 13.7
Idaho 41 388 257,268 0.4 4.9
III. 6 592 2,642,705 4.3 7.8
Ind. 14 557 1,311,524 2.1 9.3

Iowa 31 460 629,010 1.0 8.1
Kan. 29 445 720,355 1.2 9.0
Ky. 28 462 746,954 1.2 7.3
La. 23 437 1,010,930 1.6 7.2
Maine 40 285 262,260 0.4 10.0

Md. 16 453 1,263,430 2.0 10.3
Mass. 12 266 1,566,404 2.5 3.6
Mich. 4 418 3,259,639 5.2 7.6
Minn. 19 451 1,232,407 2.0 11.9
Miss. 33 443 593,049 1.0 7.3

Mo. 15 518 1,276,587 2.1 8.7
Mont. 43 355 219,892 0.4 12.9
Neb. 36 397 424,582 0.7 8.3
Nev. 34 401 454,065 0.7 12.8
N.H. 39 287 304,847 0.5 11.9

N.J. 8 361 2,345,500 3.8 10.4
N.M. 38 381 361,484 0.6 6.2
N.Y. 3 451 3,294,929 5.3 6.1
N.C. 11 423 1,754,143 2.8 6.5
N.D. 46 348 165,991 0.3 9.1

Ohio 10 561 2,216,617 3.6 8.9
Okla 27 450 747,416 1.2 9.0
Ore. 30 457 686,265 1.1 5.0
Pa. 7 538 2,630,123 4.2 9.2
R.I. 42 317 219,937 0.4 10.5

S.C. 25 422 880,098 1.4 10.1
S.D. 45 379 175,049 0.3 7.9
Tenn. 20 540 1,213,244 2.0 7.5
Texas 2 522 4,532,723 7.3 13.5
Utah 35 401 438,581 0.7 6.9

Vt. 48 287 145,326 0.2 8.4
Va. 13 494 1,460,688 2.4 10.9
Wash. 17 435 1,252,324 2.0 8.5
W.Va. 37 351 398,110 0.6 8.5
Wis. 22 513 1,104,319 1.8 9.3
Wyo. 49 318 135,226 0.2 11.3
U.S. Total 1,477 $62,155,328 100.0 9.4

 Market Share
 Agency Direct
State ALR (1) DDCCE (2) Writer (3) Writer (4)

Ala. 60.6 0.5 32.8 67.2
Alaska 61.8 0.6 22.7 77.3
Ariz. 71.2 0.5 27.3 72.7
Ark. 72.8 0.5 26.4 73.6
Calif. 71.1 1.0 36.1 63.9

Colo. 67.5 0.4 25.4 74.6
Conn. 59.8 0.5 47.1 52.9
Del. 61.8 0.6 34.4 65.6
D.C. 59.7 0.9 20.3 79.7
Fla. 65.9 0.8 33.9 66.1

Ga. 58.4 0.6 34.6 65.4
Hawaii 60.4 0.7 47.9 52.1
Idaho 58.9 0.3 32.1 67.9
III. 66.6 0.5 28.1 71.9
Ind. 63.1 0.4 41.4 58.6

Iowa 85.7 0.4 44.1 55.9
Kan. 68.0 0.4 26.2 73.8
Ky. 65.8 0.4 39.9 60.1
La. 69.3 0.1 28.7 71.3
Maine 62.0 0.5 54.1 45.9

Md. 69.4 0.6 26.3 73.7
Mass. 75.1 0.4 77.8 22.2
Mich. 71.0 0.3 39.1 60.9
Minn. 76.9 0.7 34.8 65.2
Miss. 66.9 1.0 31.8 68.2

Mo. 89.3 0.5 30.0 70.0
Mont. 67.8 0.7 38.5 61.5
Neb. 100.4 0.5 35.7 64.3
Nev. 61.8 0.7 28.2 71.8
N.H. 61.4 0.5 44.9 55.1

N.J. 46.6 0.6 38.8 61.2
N.M. 56.6 0.4 29.6 70.4
N.Y. 57.9 0.6 42.9 57.1
N.C. 57.9 0.3 34.8 65.2
N.D. 111.5 0.6 48.3 51.7

Ohio 67.2 0.3 52.9 47.1
Okla 62.7 0.5 30.3 69.7
Ore. 61.4 0.5 34.3 65.7
Pa. 64.8 0.5 46.5 53.5
R.I. 56.1 0.4 40.2 59.8

S.C. 61.9 0.5 27.9 72.1
S.D. 70.6 0.4 49.7 50.3
Tenn. 64.0 0.5 31.5 68.5
Texas 81.4 0.9 29.9 70.1
Utah 62.5 0.3 26.3 73.7

Vt. 60.0 0.3 54.1 45.9
Va. 64.2 0.4 28.5 71.5
Wash. 62.4 0.6 43.7 56.3
W.Va. 67.1 0.5 30.2 69.8
Wis. 67.0 0.4 43.7 56.3
Wyo. 58.2 0.4 32.4 67.6
U.S. Total 67.4 0.6 36.9 63.1


 % Market
State Leading Writer Share

Ala. State Farm Group 23.0
Alaska State Farm Group 24.9
Ariz. State Farm Graup 16.7
Ark. State Farm Graup 23.2
Calif. State Farm Group 11.4

Colo. State Farm Group 24.8
Conn. Allstate Ins Group 12.9
Del. State Farm Group 20.1
D.C. Berkshire Hathaway 30.3
Fla. State Farm Group 20.7

Ga. State Farm Group 26.1
Hawaii Amer International Group 16.1
Idaho State Farm Group 15.4
III. State Farm Group 29.6
Ind. State Farm Group 21.2

Iowa State Farm Group 18.7
Kan. State Farm Group 20.3
Ky. Ky Farm Bureau Group 17.5
La. State Farm Group 34.2
Maine White Mountains Ins Group 11.9

Md. State Farm Group 18.8
Mass. Commerce Group Inc 21.4
Mich. Auto Club Group 17.8
Minn. State Farm Group 21.6
Miss. State Farm Group 26.1

Mo. State Farm Group 22.1
Mont. State Farm Group 20.5
Neb. State Farm Group 22.5
Nev. Allstate Ins Group 15.7
N.H. Liberty Mutual Ins Cos 11.5

N.J. State Farm Group 16.0
N.M. State Farm Group 20.4
N.Y. Allstate Ins Group 16.2
N.C. Nationwide Group 18.4
N.D. State Farm Group 13.9

Ohio State Farm Group 18.0
Okla State Farm Group 19.6
Ore. State Farm Group 20.8
Pa. State Farm Group 17.1
R.I. MetLife Auto & Home 10.9

S.C. State Farm Group 27.4
S.D. State Farm Group 16.4
Tenn. State Farm Group 22.0
Texas State Farm Group 21.6
Utah State Farm Group 19.4

Vt. Allstate Ins Group 11.3
Va. State Farm Group 17.4
Wash. State Farm Group 14.4
W.Va. State Farm Group 31.4
Wis. Amer Family Ins Group 23.5
Wyo. State Farm Group 23.2
U.S. Total State Farm Group 18.0


 % Market
State Second Leading Writer Share

Ala. Alfa Ins Group 16.3
Alaska Allstate Ins Group 22.8
Ariz. Zurich/Farmers Group 15.4
Ark. South Farm Bureau Group 17.9
Calif. Zurich/Farmers Group 11.2

Colo. Zurich/Farmers Group 15.1
Conn. Berkshire Hathaway 7.5
Del. Nationwide Group 18.8
D.C. State Farm Group 20.4
Fla. Allstate Ins Group 16.1

Ga. Allstate Ins Group 11.4
Hawaii Berkshire Hathaway 15.6
Idaho Zurich/Farmers Group 14.1
III. Allstate Ins Group 11.1
Ind. United Farm Bureau of Ind Group 8.8

Iowa Nationwide Group 9.9
Kan. Amer Family Ins Group 12.7
Ky. State Farm Group 17.0
La. Allstate Ins Group 15.2
Maine State Farm Group 11.2

Md. Allstate Ins Group 15.0
Mass. Arbella Ins Group 11.3
Mich. State Farm Group 17.0
Minn. Zurich/Farmers Group 12.2
Miss. South Farm Bureau Group 13.7

Mo. Amer Family Ins Group 16.3
Mont. Zurich/Farmers Group 13.3
Neb. Amer Family Ins Group 9.0
Nev. State Farm Group 15.0
N.H. State Farm Group 10.0

N.J. Allstate Ins Group 10.5
N.M. Zurich/Farmers Group 15.7
N.Y. State Farm Group 11.0
N.C. State Farm Group 13.5
N.D. Amer Family Group 10.7

Ohio Progressive Group 10.2
Okla Zurich/Farmers Group 18.3
Ore. Zurich/Farmers Group 16.4
Pa. Erie Ins Group 13.5
R.I. Allstate Ins Group 10.7

S.C. Allstate Ins Group 15.5
S.D. Amer Family Ins Group 12.3
Tenn. Tenn Farmers Cos 16.9
Texas Allstate Ins Group 15.4
Utah Allstate Ins Group 17.7

Vt. State Farm Group 8.0
Va. Allstate Ins Group 12.1
Wash. Zurich/Farmers Group 13.0
W.Va. Nationwide Group 17.2
Wis. State Farm Group 11.9
Wyo. Zurich/Farmers Group 12.7
U.S. Total Allstate Ins Gmup 10.6

(1)ALR: Adjusted loss ratio is direct losses incurred divided by the
difference between direct premiums earned and dividends paid to
policyholders.

(2)DDCCE: Direct defense and cost- containment expense ratio is the
former allocated loss adjustment expense (ALAE) ratio.

(3)Insurers that distribute primarily through independent agents.

(4)Insurers that distribute primarily through a direct-selling system or
an exclusive agency system.

Source: A.M. Best's Statement Products: State/Line. For custom data,
please call (908) 439-2200, ext. 5383.
COPYRIGHT 2002 A.M. Best Company, Inc.
No portion of this article can be reproduced without the express written permission from the copyright holder.
Copyright 2002, Gale Group. All rights reserved. Gale Group is a Thomson Corporation Company.

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Comment:Beyond repair: under the diminished-value concept, an auto insurer must reimburse a policyholder not only for repair of a damaged vehicle, but for any loss in value. Will this new liability spread? (Property/Casualty: Auto).
Author:Panko, Ron
Publication:Best's Review
Article Type:Brief Article
Geographic Code:1USA
Date:Oct 1, 2002
Words:17098
Previous Article:Hit from behind: even low-speed rear-end auto crashes can lead to claims of severe injuries. A new study examines what really happens to drivers and...
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