83 Commercial Automobile (In thousands) Loss and Loss Expenses Incurred, Net of Reinsurance As of December 31, 2018 For the Year Ended December 31, Unaudited Accident Year 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 IBNR Cumulative Number of Reported Claims 2009 $ 362,302 $ 345,139 $ 340,967 $ 335,851 $ 337,915 $ 336,855 $ 334,652 $ 335,089 $ 334,977 $ 334,926 $ 398 39 2010 — 310,591 320,098 330,190 328,854 332,716 331,581 330,552 330,263 329,942 372 37 2011 — — 312,224 320,898 328,269 331,694 341,362 341,162 342,052 343,524 1,232 37 2012 — — — 314,073 326,585 342,379 355,433 364,175 364,437 366,662 1,539 40 2013 — — — — 326,789 348,513 368,318 376,569 366,976 366,565 3,013 42 2014 — — — — — 363,308 384,692 418,215 416,194 413,697 6,431 45 2015 — — — — — — 389,101 417,403 423,601 431,857 18,247 50 2016 — — — — — — — 431,633 431,680 443,030 35,867 49 2017 — — — — — — — — 430,352 428,601 70,289 44 2018 — — — — — — — — — 442,862 145,744 39 Total $ 3,901,666 Cumulative Paid Claims and Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31, Unaudited Accident Year 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2009 $ 136,433 $ 209,553 $ 257,326 $ 291,925 $ 312,902 $ 328,843 $ 331,482 $ 333,143 $ 333,605 $ 333,677 2010 — 136,029 208,790 263,639 295,347 313,253 324,963 326,770 327,206 327,829 2011 — — 135,350 211,756 262,659 296,332 321,786 333,949 338,283 340,319 2012 — — — 136,844 215,078 273,277 312,178 344,428 355,740 360,799 2013 — — — — 142,480 218,005 266,694 322,141 343,274 353,159 2014 — — — — — 155,065 237,118 328,156 365,424 394,147 2015 — — — — — — 159,679 265,396 325,369 370,450 2016 — — — — — — — 185,045 280,146 342,214 2017 — — — — — — — — 180,627 267,469 2018 — — — — — — — — — 180,213 Total $ 3,270,276 Reserves for loss and loss adjustment expenses before 2009, net of reinsurance 2,482 Reserves for loss and loss adjustment expenses, net of reinsurance $ 633,872