Filing at a Glance · Exhibit 75 Customization Amount. Exhibit 76 Glass Deductible Buyback Base Rate. Exhibit 77 Residual Debt Factor. Exhibit 78 Rental Coverage. Exhibit 79 Towing

Filing at a Glance

Company: Mid-Century Insurance Company

Product Name: FSPA, FA2

State: Pennsylvania

TOI: 19.0 Personal Auto

Sub-TOI: 19.0001 Private Passenger Auto (PPA)

Filing Type: Rate/Rule

Date Submitted: 02/24/2017

SERFF Tr Num: FARM-130937335

SERFF Status: Assigned

State Tr Num:

State Status: Received Review in Progress

Co Tr Num: RRPA07272017

Effective DateRequested (New):

07/27/2017

Effective DateRequested (Renewal):

08/27/2017

Author(s): Jeanette Campion, Cheryl Matter, Kathy Thompson, Michael Moore, Patrick Hahn, EileenYaros, Tiara Townsend

Reviewer(s): Jim Di Santo (primary), Michael McKenney

Disposition Date:

Disposition Status:

Effective Date (New):

Effective Date (Renewal):

State Filing Description:

SERFF Tracking #: FARM-130937335 State Tracking #: Company Tracking #: RRPA07272017

State: Pennsylvania Filing Company: Mid-Century Insurance Company

TOI/Sub-TOI: 19.0 Personal Auto/19.0001 Private Passenger Auto (PPA)


Project Name/Number: FA2 and FSPA Rate Change/10000c, A-17-PA1, A-17-PA2

PDF Pipeline for SERFF Tracking Number FARM-130937335 Generated 02/28/2017 10:59 AM

General Information

Company and Contact

Filing Fees

State Specific

Project Name: FA2 and FSPA Rate Change Status of Filing in Domicile:

Project Number: 10000c, A-17-PA1, A-17-PA2 Domicile Status Comments:

Reference Organization: Reference Number:

Reference Title: Advisory Org. Circular:

Filing Status Changed: 02/27/2017

State Status Changed: 02/27/2017 Deemer Date:

Created By: Kathy Thompson Submitted By: Kathy Thompson

Corresponding Filing Tracking Number:

Filing Description:

Please see cover letter in Supporting Documentation.

Filing Contact InformationMichael Moore, [email protected]

6301 Owensmouth Ave.

Woodland Hills, CA 91367

818-965-0662 [Phone]

Filing Company InformationMid-Century Insurance Company

6301 Owensmouth Ave

Woodland Hills, CA 91367

(818) 965-0662 ext. [Phone]

CoCode: 21687

Group Code: 69

Group Name:

FEIN Number: 95-6016640

State of Domicile: California

Company Type:

State ID Number:

Fee Required? No

Retaliatory? No

Fee Explanation:

*Filing Fee Amount: N/A*Date Filing Fee Mailed: N/A*Filing Fee Check Number: N/A*Filing Fee Check Date: N/A*NAIC Number: 21687







Rate Information Rate data applies to filing.

Filing Method: Prior Approval

Rate Change Type: Increase

Overall Percentage of Last Rate Revision: 7.200%

Effective Date of Last Rate Revision: 01/27/2017

Filing Method of Last Filing: Prior Approval

Company Rate Information

Company

Name:

Overall %

Indicated

Change:

Overall %

Rate

Impact:

Written Premium

Change for

this Program:

Number of Policy

Holders Affected

for this Program:

Written

Premium for

this Program:

Maximum %

Change

(where req'd):

Minimum %

Change

(where req'd):Mid-Century InsuranceCompany

47.200% 7.000% $8,767,900 71,527 $125,426,771 12.000% 1.000%







Rate/Rule Schedule

Item

No.

Schedule Item

Status Exhibit Name Rule # or Page # Rate Action

Previous State

Filing Number Attachments1 FSPA Rule 1 through 6, 18 Replacement FSPA Add Rule 46 - Rate

Stability - includes TOC.pdf2 FSPA Rate Manual Contents, 12, 69, 73 - 76,

78, 80Replacement Pennsylvania FSPA Filing

Rate Manual 08272017.pdf3 FA2 Rate Exhibits Exhibits 10, 51 and 53 Replacement 06-PA FA2 Rate Exhibits eff

08272017.pdf







Contents

Page 1 of 10

Exhibit # NameAverage Driver ROC Average Driver Rate Order of CalculationDetailed ROC Rate Order of CalculationROC for Other MED Coverages Other MED CoveragesROC for Other Misc Coverages OEM/Acc. Forgiveness/ New Car Replacement/ Residual DebtExhibit A Driving Record PointsExhibit A-1 Violation ClassificationExhibit 1 Driver Class FactorExhibit 2 Driving Record Points FactorsExhibit 3 AAF, ALL, API Violation Aging FactorExhibit 4 Violation Aging MajorExhibit 5 AFD, DUI Violation Aging FactorExhibit 6 Violation Aging MinorExhibit 7 SPL, SPH Aging FactorExhibit 8 **Reserved for Future Use**Exhibit 9 Age and Point MatrixExhibit 10 Distant Student DiscountExhibit 11 Good Student DiscountExhibit 12 Base RateExhibit 13 Household Structure FactorExhibit 14 Driver Vehicle Exposure FactorExhibit 15 Rate MatrixExhibit 16 Zip Code FactorExhibit 17 Stated AmountExhibit 18 Auto Symbol FactorExhibit 19 Farmers Auto Symbol FactorExhibit 20 Vehicle Type FactorExhibit 21 Model Year FactorExhibit 22 **Reserved for Future Use**Exhibit 23 Liability LimitsExhibit 24 Increased Purchase Limit by UW Tier 2Exhibit 25 Deductible FactorExhibit 26 Luxury Vehicle FactorExhibit 27 High Performance FactorExhibit 28 Alternative Fuel Vehicle (Hybrid) FactorExhibit 29 Vehicle Use FactorExhibit 30 Lienholder by Model YearExhibit 31 Comprehensive without Collision FactorExhibit 32 Excluded Driver FactorExhibit 33 Tort Stacking WaiverExhibit 34 First Party Benefits PackageExhibit 35 Commute to NY/NJ FactorExhibit 36 Driver Assignment MethodologyExhibit 37 UW Tier FactorExhibit 38 Full Coverage FactorExhibit 39 Leased Vehicle Indicator TableExhibit 40 Youthful Driver FactorExhibit 41 Early Shopping FactorExhibit 42 Youthful Driver Discount

State of PennsylvaniaMid-Century Insurance Company

Farmers Smart Plan Auto ProgramPrivate Passenger Automobile Insurance

Contents

Page 2 of 10

State of PennsylvaniaMid-Century Insurance Company

Farmers Smart Plan Auto ProgramPrivate Passenger Automobile Insurance

Exhibit 43 On Your Own DiscountExhibit 44 Shared Family Car DiscountExhibit 45 Good Payer DiscountExhibit 46 Passive Restraint DiscountExhibit 47 Driver Improvement DiscountExhibit 48 Anti-Theft DiscountExhibit 49 Affinity DiscountExhibit 50 ePolicy DiscountExhibit 51 Multi-policy Discount - Auto/BrokeredExhibit 52 Multi-policy Discount - Auto/RentersExhibit 53 Multi-policy Discount - Auto/MobilehomeExhibit 54 Multi-policy Discount - Auto/BoatExhibit 55 Multi-policy Discount - Auto/MotorcycleExhibit 56 Multi-policy Discount - Auto/MotorhomeExhibit 57 Multi-policy Discount - Auto/RVExhibit 58 Multi-policy Discount - Auto/UmbrellaExhibit 59 Multi-policy Discount - Auto/BusinessExhibit 60 Monthly Pay PlanExhibit 61 EFT DiscountExhibit 62 Paid in Full DiscountExhibit 63 Core Discount MatrixExhibit 64 Address Validation FactorExhibit 65 Multi-policy Discount - Auto/HomeExhibit 66 Multi-policy Discount - Auto/LifeExhibit 67 Camper Trailer OwnedExhibit 68 Policy Term FactorExhibit 69 Rate CappingExhibit 70 Rate Level Adjustment FactorExhibit 71 Reinstatement Count FactorExhibit 72 Deceased Driver StabilityExhibit 73 BDOC RateExhibit 74 Loss of Use FactorExhibit 75 Customization AmountExhibit 76 Glass Deductible Buyback Base RateExhibit 77 Residual Debt FactorExhibit 78 Rental CoverageExhibit 79 Towing CoverageExhibit 80 Camper Trailer Base RatesExhibit 81 Camper and Trailer DeductibleExhibit 82 Camper Trailer Fire ContentsExhibit 83 New Car ReplacementExhibit 84 OEM Replacement PartsExhibit 85 Accident ForgivenessExhibit 86 Policy Fee

Exhibit 12

Effective: NB 07/27/2017RN 08/27/2017

PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceBase Rate

Coverage Factor Amt.Accidental Death Benefit 3.3380

BI 146.2789COLL 218.2539

COMP 92.1431Funeral Expenses 1.2763

Income Loss Benefits 15.0211MED 66.7531

MED - Extraordinary 53.9091PD 119.5893

UIM 22.1164UM 11.9406

Exhibit 69

Effective: NB 07/27/2017RN 08/27/2017

PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceRate Capping

Rate Capping Type Decrease Cap Percent Increase Cap PercentRenewal -12.00% 12.00%

Exhibit 73

Effective: NB 07/27/2017RN 08/27/2017

PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceBDOC Rate

Coverage Factor Amt.BDOC BI with Primary 9.5175 Notes:

BDOC MED 6.5419 BDOC = Broad Form Drive Other CarBDOC PD with Primary 5.6186 DOC = Drive Other Car

DOC Accidental Death Benefit 3.6307DOC Funeral Expenses 1.3883

DOC Income Loss Benefits 16.3384DOC MED - Extraordinary 58.6363

Exhibit 74

Effective: NB 07/27/2017RN 08/27/2017

PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceLoss of Use Factor

Loss of Use Factor Amt.Base Rate 25.1305 Notes:

K4 2.5000 K4 = Loss of Use Option ($25/day)K5 5.0000 K5 = Loss of Use Option ($50/day)

Exhibit 75

Effective: NB 07/27/2017RN 08/27/2017

PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceCustomization Amount

Amt. Range Factor Amt.1 - 500 10.0000

501 - 1000 15.00001001 - 1500 21.00001501 - 2000 31.00002001 - 2500 36.00002501 - 3000 41.00003001 - 3500 46.00003501 - 4000 53.00004001 - 4500 59.00004501 - 5000 64.00005001 - 5500 72.00005501 - 6000 80.00006001 - 6500 85.00006501 - 7000 94.00007001 - 7500 101.00007501 - 8000 107.00008001 - 8500 114.00008501 - 9000 121.00009001 - 9500 128.0000

9501 - 10000 135.000010001 - 15000 173.000015001 - 20000 243.000020001 - 25000 311.000025001 - 30000 380.000030001 - 35000 450.000035001 - 40000 519.000040001 - 45000 588.000045001 - 50000 657.0000

Exhibit 76

Effective: NB 07/27/2017RN 08/27/2017

PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceGlass Deductible Buyback Base Rate

COMP Deductible Factor Amt.250 17.5463500 30.8457750 33.7333

1000 34.90601500 35.86042500 36.3875

Exhibit 78

Effective: NB 07/27/2017RN 08/27/2017

PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceRental Coverage

Coverage Factor Amt.RENTAL RE ($30 per day) 35.8480RENTAL RE ($50 per day) 59.5694

RENTAL RE ($100 per day) 119.3161

Exhibit 80

Effective: NB 07/27/2017RN 08/27/2017

PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceCamper Trailer Base Rates

ACV Range COMP COLL Notes:0 - 1050 5.0407 3.9974 1. ACV Range reflects Amount of Insurance

1051 - 1300 7.3510 4.4971 (100% to Actual Cash Value)1301 - 1600 7.9810 5.33011601 - 1900 8.8214 6.32951901 - 2400 10.9215 7.99492401 - 3000 14.2818 10.65983001 - 4000 17.8525 13.65784001 - 5000 23.3132 17.65525001 - 6000 28.9840 21.48636001 - 7000 33.6046 24.48417001 - 8000 39.2756 28.31528001 - 9000 44.7360 32.1461

9001 - 10000 48.7266 35.810310001 - 12000 54.3976 40.640512001 - 14000 62.3785 45.970714001 - 16000 70.3595 51.467016001 - 18000 78.3402 57.629518001 - 20000 86.1118 62.959720001 - 22000 93.0422 67.623222001 - 24000 100.8137 73.120024001 - 26000 108.3746 78.616226001 - 28000 115.0958 83.279828001 - 30000 122.8669 88.6095

30001 - 999999 184.6151 132.2484

RN: 08/27/2017

State of: PennsylvaniaMid-Century Insurance CompanyFA2 Rate ProgramPrivate Passenger Automobile InsuranceBase Rates and Policy TermExhibit 10

BASE RATES

COVERAGE Base RateBodily Injury (BI) 147.0793Property Damage (PD) 75.7512Medical (MED) 126.2778Extraordinary Medical (MED) 51.1852Income Loss 31.7669Accidental Death Benefit 5.1746Funeral Expenses 1.6971Uninsured Motorists BI (UM) - Stacking 9.5430Underinsured Motorists BI (UIM) - Stacking 14.6319Comprehensive (COMP) 78.1973Collision (COLL) 175.4277Towing and Labor (TOWING) 6.7532Rental Reimbursement - $50 per day 41.7305Rental Reimbursement - $100 per day 83.5853BDOC with Primary - BI 6.6668BDOC with Primary - PD 4.0102Med on DOC 4.8699Extraordinary Medical on DOC 1.4780Income Loss on DOC on DOC 0.9174Accidental Death Benefit on DOC 0.1495Funeral Expenses on DOC 0.0489

Loss of Use 17.4513

Glass Ded BB100.00 n/a250.00 11.8992500.00 20.9186750.00 22.87691000.00 23.67231500.00 24.31942500.00 24.6770

Policy Term6 1.000012 2.0000

DOC - Drive Other Car

RN: 08/27/2017

State of: PennsylvaniaMid-Century Insurance CompanyFA2 Rate ProgramPrivate Passenger Automobile InsuranceCamper/Trailer CoverageExhibit 51

Amount of Insurance (100% to Actual Cash

Value)COMP COLL

$0 - $1,050 $2.6219 $2.7962 $1,051 - $1,300 $3.8237 $3.1458 $1,301 - $1,600 $4.1515 $3.7284 $1,601 - $1,900 $4.5885 $4.4274 $1,901- $2,400 $5.6809 $5.5925 $2,401 - $3,000 $7.4288 $7.4567 $3,001 - $4,000 $9.2861 $9.5538 $4,001 - $5,000 $12.1265 $12.3501 Factor$5,001 - $6,000 $15.0762 $15.0298 1.0000$6,001 - $7,000 $17.4797 $17.1270 0.5271

$7,001 - $8,000 $20.4295 $19.8067 $8,001 - $9,000 $23.2698 $22.4864 COMP COLL

$9,001 - $10,000 $25.3456 $25.0497 Base Rate x x$10,001 - $12,000 $28.2953 $28.4285 Deductible factor x x$12,001 - $14,000 $32.4468 $32.1569 Owned camper factor x x$14,001 - $16,000 $36.5981 $36.0016 Policy term factor x x$16,001 - $18,000 $40.7496 $40.3126 Developed Premium = =$18,001 - $20,000 $44.7917 $44.0408 $20,001 - $22,000 $48.3970 $47.3031 $22,001 - $24,000 $52.4391 $51.1480 $24,001 - $26,000 $56.3720 $54.9929 $26,001 - $28,000 $59.8680 $58.2552 $28,001 - $30,000 $63.9102 $61.9835 $30,001 - and up $96.0292 $92.5091

Unit is a Camper

$0.50 per $100 of value is used.

Then the policy term factor applies.

Owned Camper FactorUnit is a Trailer

BASE RATE - one for each Amt of Insurance.

Top row is COMP, "Fire - Contents" Coverage

(Contents in a camper or trailer)Code 20300 and 21006

A base rate of

RN: 08/27/2017

State of: PennsylvaniaMid-Century Insurance CompanyFA2 Rate ProgramPrivate Passenger Automobile InsuranceTheft Coverage for StereoExhibit 53

Special TheftBase Rate: $2.6740Limit Factors:

$50 1.0000$100 2.0000$250 3.0000$500 5.0000$750 7.0000

$1,000 9.0000$1,500 15.0000$2,000 20.0000$2,500 26.0000$3,000 31.0000$3,500 40.0000$4,000 45.0000

Supporting Document Schedules Bypassed - Item: Authorization to File (PC)Bypass Reason: N/AAttachment(s):Item Status:Status Date:

Satisfied - Item: Actuarial Explanatory Memorandum & Supporting Exhibits (PC)Comments:Attachment(s): A-17-PA1 and A-17-PA2 Auto Filing Memo - PA.pdfItem Status:Status Date:

Satisfied - Item: ExhibitsComments:Attachment(s): Pennsylvania_Filing_Exhibits_Auto_Qtr32016.pdfItem Status:Status Date:

Satisfied - Item: Appendix A - Statewide Written PremiumComments:Attachment(s): Appendix A - Statewide Written Premium.pdfItem Status:Status Date:

Satisfied - Item: Appendix B - HistogramComments:Attachment(s): Appendix B - Histogram.pdfItem Status:Status Date:

Satisfied - Item: Appendix C, D and EComments:Attachment(s): Appendix C, D, E.pdfItem Status:Status Date:







Satisfied - Item: Appendix F - Mid-Century Rate HistoryComments:Attachment(s): Appendix F - PA Mid-Century Auto Rate History.pdfItem Status:Status Date:







February 24, 2017

Honorable Teresa D. Miller Insurance Commissioner Pennsylvania Insurance Department 1326 Strawberry Square, 13th Floor Harrisburg, PA 17120

ATTN: Bureau of Property and Casualty Insurance

SUBJECT: PRIVATE PASSENGER AUTO RATE/RULE REVISION

Company Name Reference Number NAIC # Group #

Mid-Century Insurance Company RRPA07272017 21687 69

Dear Commissioner:

We respectfully submit for filing, on behalf of Mid-Century Insurance Company, revisions to rates and rules for the Farmers Auto 2.0 (FA2) and Farmers Smart Plan Auto (FSPA) rating plans. The overall effect of the changes on FA2 policyholders is +7.0% and those on FSPA policyholders is +7.0%.

We are revising the factors in the rating plans as shown below:

FA2 (FA2 Rate Exhibits) FSPA (FSPA Filing Rate Manual)

1. Base Rate (Exhibit 10) 1. Base Rate (Exhibit 12)

2. Glass Deductible Buyback (Exhibit 10) 2. Rate Capping (Exhibit 69)

3. Loss of Use (Exhibit 10) 3. BDOC Rate (Exhibit 73)

4. Camper and Trailer – Base (Exhibit 51) 4. Loss of Use (Exhibit 74)

5. Theft Coverage for Stereo (Exhibit 53) 5. Customization Amount (Exhibit 75)

6. Glass Deductible Buyback (Exhibit 76)

7. Rental Coverage (Exhibit 78)

8. Camper and Trailer – Base (Exhibit 80)

Patrick Hahn

3 Beaver Valley Road

Wilmington, DE 19803

Bus: (302) 252-4508

Fax: (302) 252-2424

2

Attached are supporting exhibits for this rate review.

Exhibit A Indicated and Selected Changes by Coverage This exhibit shows the effect of each component of this rate change as described

above, displaying the selected rate changes for FA2 and FSPA against the indicated rate changes that are evaluated as of September 2016.

Exhibit B Calculated Rate Level Indications The calculations of our rate level indications contained in this exhibit are based

on up to twelve accident quarters of experience from October 2013 through September 2016, evaluated as of September 30, 2016. Indications for all coverages assume an effective date of August 27, 2017.

The A&O percentages have been calculated using the latest year paid data for

Pennsylvania, adjusted with planned changes, and are stated as a percentage of premiums.

Exhibit C Development of Estimated Ultimate Losses Commonly accepted loss development methods and procedures are used to

derive ultimate losses. Consideration is given to the relative strengths and weaknesses of each of the methods. These methods include, but not limited to the following:

• Incurred Loss Development (Incurred LDF) • Paid Loss Development (Paid LDF)

Exhibit D Credibility Weighted Loss Trends Exhibit D provides an explanation of the credibility method used in obtaining

annualized loss trend factors found on Exhibit E. A two-part trending procedure is used to trend losses by coverage. First, a historical trend is selected to trend each accident quarter of the experience period to the midpoint of the latest accident quarter. Second, a future trend is selected to bring the entire experience to the midpoint of the projection period. The selected historical and future trends by coverage are the Mid-Century Insurance Company trend credibility-weighted with the complement. The full credibility standard for a given coverage was calculated as 1,082 times one more than the coefficient of variation for severity squared. Industry data (for BI, PD, and MEDNF) or companywide data (for UMBI) is used as complement.

Exhibit E Determination of Loss Trend by Coverage This exhibit shows the detail of each trend component used in Exhibit D. Each

component is a least squares exponential fit of Mid-Century Insurance Company data, with data available through 3rd quarter of 2016.

For the loss trend factor calculation, an exponential regression is applied to

seasonally adjusted accident quarter ultimate frequencies and severities. “Deseasonalizing” the data is done as an alternative to analyzing four-quarter rolling data. Both methods remove the effects of seasonality, but the deseasonalized data method has the benefit of being more responsive to change.

3

We may exclude points that we feel would otherwise distort the trend selections. We consider claims for the last four accident quarters to derive credibility for

trend data since we are filing quarterly data. We determine the statewide coverage indications using the credibility derived, using the loss ratio trend as the complement.

Exhibit F Determination of Premium Trend by Coverage This exhibit shows the calculation of premium trend components by coverage.

Historical trends are derived by indexing prior fiscal-accident quarters to the current fiscal-accident quarter’s average premium per policy, brought to the current rate level. The future trend is derived from a least squares exponential fit of 12 months average premium per policy, brought to current rate level. Premium trends are applied to all coverages and account for the changing mix of business.

Exhibit G Calculation of Catastrophe Factor for Comprehensive Coverage The catastrophe factor is the ratio of the past ten years total paid losses to the

past ten years total non-cat paid losses, based on 21st Century’s and Farmers’ Pennsylvania specific data. Catastrophes are identified using Property Claim Services’ definition.

Exhibit H Large Loss Load For the coverages of BI, UMBI, individual losses are capped at $75,000 per claim

unit. After capping, actuarially accepted loss development techniques are applied to bring accident quarter losses (net of salvage and subrogation) to ultimate. A large loss provision is then applied to the capped ultimate losses. The provision is the average of the trended ratio of uncapped losses to capped losses for the most recent 40 accident quarters. The trend is applied to bring the large loss provision to the latest accident quarter. (CAS Paper: Werner and Modlin, Basic Ratemaking, Casualty Actuarial Society, October 2010. Chapter 6, p. 95-96)

Exhibit I Expense Exhibit Exhibit I summarizes the components underlying the permissible loss & LAE ratio

used in our indication for the period that rates will be in effect. Exhibit I also summarizes underwriting expense for 2013-2015 and the expected expense ratio underlying the permissible loss & LAE ratio used in our indication for the period that rates will be in effect.

Exhibit J Accident Year and Accident Quarter Weight Selection Method For each coverage, the accident year (quarter) weights are determined by taking

the annual reported claims counts and comparing to the count of claims required for full credibility.

In selecting the degree of credibility assigned to each coverage, we used a

method similar to those described by L.H. Longley-Cook in his paper An Introduction to Credibility Theory. Longley-Cook points out that a sample of 1,082 claims would result in a frequency calculation, which has a 90% probability of being within 5% of the "actual" underlying frequency. He also points out that this sample size must be multiplied by a factor of (1+ T) to achieve the same degree of confidence in the calculated pure premiums, where T is a measure of the variance of the underlying distribution of claim costs, namely the coefficient of

4

variation of claim costs squared (CV^2). Thus, the number of claims per year (based on a rolling 4-quarter sum) needed to have a 90% probability of that annual pure premium amount's being within 5% of the "actual" is calculated as (1 + CV^2) * 1,082 for each coverage. This is taken as the full credibility standard.

We use a round down rule to get to the selected accident year weight. Once the

accident year weights have been decided, we divide the annual weights evenly to determine the quarterly weights. For COMP, equal weights are selected for each accident quarter.

Exhibit K & L Calculation of Proposed Changes Exhibit K shows the calculation of the proposed rates for FA2, and Exhibit L

shows the calculation of the proposed rates for FSPA. Rates for minor coverages, like BDOC coverages, Loss of Use, Glass Deductible

Buyback, Camper and Trailer Base rates, Special Theft and Rental Coverage, are being revised at the same overall impact as the corresponding major coverage.

Appendix A Statewide Written Premium Impact Appendix A shows the impact of this pending filing on Farmers Insurance

Company’s total Pennsylvania personal auto book of business. Appendix B Histogram Appendix B shows the histogram and distribution of policies’ rate impacts by rate

programs. Appendices C, D & E Required Premium, Exposure, Expense and Loss Data Appendices C, D and E contains the premium, exposure, expense and loss data

that is required by the Department since Mid-Century Insurance Company is now one of the top 20 insurers in the state of Pennsylvania.

Appendix F Rate History Please refer to Appendix F for the Rate History of the FA2 and FSPA programs

in Mid-Century Insurance Company.

5

Other revisions:

1. FSPA Filing Rate Manual, Exhibit 69 – Rate Capping: a. We are introducing rate capping in our Farmers Smart Plan Auto Program with

+/- 12.0% caps to minimize rate impacts on policyholders upon each renewal. 2. FSPA Filing Rule Guide, P46 – Rate Stability:

a. With the introduction of rate capping in our Farmers Smart Plan Auto Program, we are updating the rule guide with more detail on the rate stability rule.

The revised Rate Manual pages and Rule Guide are enclosed for your review. Our proposed effective date for this filing is July 27, 2017 for New Business and August 27, 2017 for Renewals. Please indicate our reference numbers listed above when replying to this submission. Note: The maximum annual dollar increase a policyholder would receive as a result of this proposal is $1,666 (a +9% increase for this policy). Similarly, the maximum percentage increase a policyholder would receive as a result of this proposal is +12% (a $230.60 annual increase for this policy). The histogram on Appendix B is attached for your review. If you have any questions on this material or require further information, please contact me at (302) 252-4508. Sincerely, Patrick Hahn Farmers Insurance Group Personal Lines Product Management

Exhibit A

Page 1 of 83

All CompaniesPennsylvania

Line of Business: AutoEvaluation Date: 2016 Quarter 3

(1) (2) (3) (4) (5)

Coverage12-month Prem @

Current Rates

Non-Credibility Weighted Indicated

Changes

Credibility Weighted Indicated

ChangesSelected Changes:

FA2Selected Changes:

FSPABodily Injury 23,731,627 39.0% 39.0% 5.0% 5.0%Property Damage 22,866,835 66.3% 66.3% 9.9% 10.1%Uninsured Motorists 9,676,735 63.8% 46.9% 9.5% 9.4%Comprehensive 12,410,716 23.5% 23.5% 3.0% 2.8%Collision 39,156,033 36.5% 36.5% 4.0% 3.9%Medical/No Fault 10,542,778 85.5% 85.5% 18.8% 20.0%Other Coverages 1,000,133 0.0% 0.0% 0.0% 0.0%Overall 119,384,859 47.6% 46.2% 7.0% 7.0%

Effective Date: 08/27/2017Indication by Coverage

Farmers Auto 2.0 (FA2) and Farmers Smart Plan Auto (FSPA)

Exhibit B-1

Page 2 of 83

Company: Mid-Century Insurance CompanyState: PennsylvaniaCoverage: Bodily Injury

Rate Level Indication[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14] [15]

Direct Direct BI BI =[3]x[4]x[5] BI BI BI BI =([10]÷[6])+[11]Collected Earned Historical Future BI Trended Ultimate Historical Future Ratio of Excess BI Trended Projected Ultimate Accident

Accident Earned Earned Premium @ Prem Trend Prem Trend Current Level Incurred Loss Trend Loss Trend Losses to Losses & A&O Loss & Incurred QuarterQuarter Exposures Premium Current Levels Factor Factor Premium Loss & DCC Factor Factor Capped Losses DCC Ratio LAE Ratio Claims Weights

2013 Q4 9,029 1,823,113 2,409,641 0.8136 0.9002 1,764,804 1,099,115 1.0311 1.0173 0.2312 1,369,284 11.0% 88.6% 81 0.00%2014 Q1 10,321 2,067,085 2,734,158 0.8334 0.9002 2,051,209 1,979,562 1.0282 1.0173 0.2312 2,489,627 11.0% 132.4% 131 0.00%2014 Q2 12,432 2,445,799 3,235,746 0.8482 0.9002 2,470,522 2,546,925 1.0254 1.0173 0.2312 3,176,843 11.0% 139.6% 164 0.00%2014 Q3 14,863 2,845,062 3,783,394 0.8624 0.9002 2,937,136 2,797,232 1.0225 1.0173 0.2312 3,473,312 11.0% 129.3% 194 0.00%2014 Q4 17,617 3,310,290 4,433,369 0.8758 0.9002 3,495,057 2,459,452 1.0197 1.0173 0.2312 3,078,977 11.0% 99.1% 180 10.00%2015 Q1 20,087 3,718,601 4,986,933 0.8894 0.9002 3,992,710 2,275,295 1.0168 1.0173 0.2312 2,834,387 11.0% 82.0% 183 10.00%2015 Q2 23,183 4,235,975 5,597,435 0.9033 0.9002 4,551,685 1,944,924 1.0140 1.0173 0.2312 2,413,987 11.0% 64.0% 197 10.00%2015 Q3 25,950 4,734,968 6,132,990 0.9224 0.9002 5,092,437 3,556,955 1.0112 1.0173 0.2312 4,419,510 11.0% 97.8% 231 10.00%2015 Q4 27,919 5,161,155 6,486,177 0.9479 0.9002 5,534,536 3,195,940 1.0084 1.0173 0.2312 3,947,708 11.0% 82.3% 250 15.00%2016 Q1 29,189 5,439,576 6,610,688 0.9669 0.9002 5,754,078 3,046,135 1.0056 1.0173 0.2312 3,735,533 11.0% 75.9% 283 15.00%2016 Q2 30,889 5,893,435 6,846,044 0.9852 0.9002 6,071,728 3,969,200 1.0028 1.0173 0.2312 4,872,752 11.0% 91.3% 337 15.00%2016 Q3 32,561 6,318,255 7,077,774 1.0000 0.9002 6,371,285 3,763,309 1.0000 1.0173 0.2312 4,606,009 11.0% 83.3% 299 15.00%

[16] Weighted Loss Ratio 84.2%[17] Permissible Loss and LAE Ratio 60.6%[18] Non- Credibility Weighted Indicated Change 39.0%[19] Ultimate Incurred Claims 1,961

Notes: Effective Date: 08/27/2017 [20] Credibility 1.000[1] From internal report [21] Loss Ratio Trend 4.1%[2] From internal report [22] Cred. Wtd. Indicated Rate Change 39.0%[3] The Collected Earned Premium is brought to current rate levels using the parallelogram method[10] Refer to Exhibit H-1 for BI's Large Loss Load.[11] ([8] x [9]) x {[7] + ([10] x Ultimate Incurred Loss)}[15] Refer to Exhibit J for Accident Year/Quarter Weight Selection Method[16] Total of [13] using [15] as weights[18] {[16] ÷ [17]} - 1[20] {[19] / 1084} ^ 0.50[21] {{[1.00 + 0.011] / [1.00 + -0.066]} ^ 0.50} - 1.00. Refer to Exhibits D, E and F for annual future loss and premium trend selections[22] [(18) x (20)] + {[1.00 - (20)] x (21)}

Exhibit B-2

Page 3 of 83

Company: Mid-Century Insurance CompanyState: PennsylvaniaCoverage: Property Damage

Rate Level Indication[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14]

Direct Direct PD PD =[3]x[4]x[5] PD PD PD =[7]x[8]x[9] =([10]÷[6])+[11]Collected Earned Historical Future PD Trended Ultimate Historical Future PD Trended Projected Ultimate Accident

Accident Earned Earned Premium @ Prem Trend Prem Trend Current Level Incurred Loss Trend Loss Trend Losses & A&O Loss & Incurred QuarterQuarter Exposures Premium Current Levels Factor Factor Premium Loss & DCC Factor Factor DCC Ratio LAE Ratio Claims Weights

2013 Q4 9,029 1,321,544 2,360,231 0.8184 0.8986 1,735,727 1,758,619 1.0642 1.0324 1,932,196 11.0% 122.3% 526 0.00%2014 Q1 10,321 1,482,054 2,640,154 0.8369 0.8986 1,985,440 1,840,709 1.0582 1.0324 2,010,977 11.0% 112.3% 566 0.00%2014 Q2 12,432 1,756,320 3,129,373 0.8496 0.8986 2,389,307 2,031,842 1.0523 1.0324 2,207,263 11.0% 103.4% 635 0.00%2014 Q3 14,863 2,040,307 3,654,149 0.8649 0.8986 2,839,922 2,254,594 1.0463 1.0324 2,435,425 11.0% 96.8% 731 0.00%2014 Q4 17,617 2,368,233 4,271,616 0.8806 0.8986 3,380,140 3,015,018 1.0404 1.0324 3,238,461 11.0% 106.8% 913 0.00%2015 Q1 20,087 2,680,393 4,821,549 0.8922 0.8986 3,865,559 3,713,691 1.0345 1.0324 3,966,403 11.0% 113.6% 1,083 0.00%2015 Q2 23,183 3,187,288 5,431,355 0.9034 0.8986 4,409,195 3,768,454 1.0287 1.0324 4,002,181 11.0% 101.8% 1,175 0.00%2015 Q3 25,950 3,723,340 5,932,068 0.9245 0.8986 4,928,324 4,487,555 1.0229 1.0324 4,738,987 11.0% 107.2% 1,206 0.00%2015 Q4 27,919 4,314,216 6,241,601 0.9457 0.8986 5,304,527 4,664,417 1.0171 1.0324 4,897,962 11.0% 103.3% 1,344 25.00%2016 Q1 29,189 4,851,233 6,380,653 0.9684 0.8986 5,552,910 4,671,485 1.0114 1.0324 4,877,702 11.0% 98.8% 1,345 25.00%2016 Q2 30,889 5,452,397 6,604,770 0.9872 0.8986 5,859,278 4,921,043 1.0057 1.0324 5,109,281 11.0% 98.2% 1,412 25.00%2016 Q3 32,561 5,997,920 6,843,918 1.0000 0.8986 6,150,120 5,462,733 1.0000 1.0324 5,639,686 11.0% 102.7% 1,497 25.00%


Notes: Effective Date: 08/27/2017 [19] Credibility 1.000[1] From internal report [20] Loss Ratio Trend 4.6%[2] From internal report [21] Cred. Wtd. Indicated Rate Change 66.3%[3] The Collected Earned Premium is brought to current rate levels using the parallelogram method[14] Refer to Exhibit J for Accident Year/Quarter Weight Selection Method[15] Total of [12] using [14] as weights[17] {[15] ÷ [16]} - 1[19] {[18] / 1084} ^ 0.50[20] {{[1.00 + 0.021] / [1.00 + -0.067]} ^ 0.50} - 1.00. Refer to Exhibits D, E and F for annual future loss and premium trend selections[21] [(17) x (19)] + {[1.00 - (19)] x (20)}

Exhibit B-3

Page 4 of 83

Company: Mid-Century Insurance CompanyState: PennsylvaniaCoverage: Uninsured Motorist


Direct Direct UM UM =[3]x[4]x[5] UM UM UM UMBI =([10]÷[6])+[11]Collected Earned Historical Future UM Trended Ultimate Historical Future Ratio of Excess UM Projected Ultimate Accident

Accident Earned Earned Premium @ Prem Trend Prem Trend Current Level Incurred Loss Trend Loss Trend Losses to Trended A&O Loss & Incurred QuarterQuarter Exposures Premium Current Levels Factor Factor Premium Loss & DCC Factor Factor Capped Losses Losses & DCC Ratio LAE Ratio Claims Weights

2013 Q4 7,868 693,417 926,460 0.8371 0.9342 724,538 356,704 1.2180 1.1164 0.2690 614,896 11.0% 95.9% 22 8.25%2014 Q1 8,902 763,087 1,015,522 0.8632 0.9342 818,951 492,096 1.1963 1.1164 0.2690 827,740 11.0% 112.1% 25 8.25%2014 Q2 10,625 885,155 1,178,211 0.8859 0.9342 975,045 713,422 1.1751 1.1164 0.2690 1,173,006 11.0% 131.3% 27 8.25%2014 Q3 12,679 1,031,686 1,380,349 0.9012 0.9342 1,162,055 1,046,034 1.1542 1.1164 0.2690 1,685,060 11.0% 156.0% 31 8.25%2014 Q4 15,078 1,216,687 1,639,453 0.9081 0.9342 1,390,892 875,057 1.1337 1.1164 0.2690 1,396,132 11.0% 111.4% 26 8.25%2015 Q1 17,228 1,372,983 1,854,036 0.9195 0.9342 1,592,630 420,174 1.1135 1.1164 0.2690 651,216 11.0% 51.9% 31 8.25%2015 Q2 20,101 1,579,385 2,118,398 0.9306 0.9342 1,841,717 1,151,882 1.0938 1.1164 0.2690 1,759,416 11.0% 106.5% 42 8.25%2015 Q3 22,577 1,774,612 2,348,171 0.9403 0.9342 2,062,721 1,612,367 1.0743 1.1164 0.2690 2,434,413 11.0% 129.0% 56 8.25%2015 Q4 24,400 1,972,415 2,483,036 0.9617 0.9342 2,230,783 877,115 1.0552 1.1164 0.2690 1,291,516 11.0% 68.9% 61 8.50%2016 Q1 25,618 2,140,894 2,553,122 0.9819 0.9342 2,341,893 726,288 1.0365 1.1164 0.2690 1,040,350 11.0% 55.4% 65 8.50%2016 Q2 27,198 2,325,994 2,675,151 0.9943 0.9342 2,484,882 1,328,123 1.0181 1.1164 0.2690 1,885,091 11.0% 86.9% 67 8.50%2016 Q3 28,789 2,495,349 2,803,677 1.0000 0.9342 2,619,177 1,455,507 1.0000 1.1164 0.2690 2,031,865 11.0% 88.6% 93 8.50%

[16] Weighted Loss Ratio 99.2%[17] Permissible Loss and LAE Ratio 60.6%[18] Non- Credibility Weighted Indicated Change 63.8%[19] Ultimate Incurred Claims 545

Notes: Effective Date: 08/27/2017 [20] Credibility 0.709[1] From internal report [21] Loss Ratio Trend 5.9%[2] From internal report [22] Cred. Wtd. Indicated Rate Change 46.9%[3] The Collected Earned Premium is brought to current rate levels using the parallelogram method[10] Refer to Exhibit G-2 for UMBI's Large Loss Load.[11] ([8] x [9]) x {[7] + ([10] x Ultimate Incurred Loss)}[15] Refer to Exhibit J for Accident Year/Quarter Weight Selection Method[16] Total of [13] using [15] as weights[18] {[16] ÷ [17]} - 1[20] {[19] / 1084} ^ 0.50[21] {{[1.00 + 0.074] / [1.00 + -0.043]} ^ 0.50} - 1.00. Refer to Exhibits D, E and F for annual future loss and premium trend selections[22] [(18) x (20)] + {[1.00 - (20)] x (21)}

Exhibit B-4

Page 5 of 83

Company: Mid-Century Insurance CompanyState: PennsylvaniaCoverage: Comprehensive


Direct Direct COMP COMP =[3]x[4]x[5] COMP COMP COMP =[7]x[8]x[9]x[10] =([11]÷[6])+[12]Collected Earned Historical Future COMP Trended Ultimate Historical Future Catastrophe Cat-Adjusted Projected Ultimate Accident

Accident Earned Earned Premium @ Prem Trend Prem Trend Current Level Incurred Loss Trend Loss Trend Adjustment Trended A&O Loss & Incurred QuarterQuarter Exposures Premium Current Levels Factor Factor Premium Loss & DCC Factor Factor Factor Losses & DCC Ratio LAE Ratio Claims Weights

2013 Q4 7,182 909,991 959,351 0.9225 1.0187 901,588 694,068 1.0404 1.0224 1.1027 814,137 11.0% 101.3% 335 8.33%2014 Q1 8,253 1,029,418 1,083,957 0.9359 1.0187 1,033,475 468,134 1.0367 1.0224 1.1027 547,142 11.0% 63.9% 425 8.33%2014 Q2 9,922 1,229,698 1,295,113 0.9421 1.0187 1,242,989 649,732 1.0330 1.0224 1.1027 756,657 11.0% 71.9% 461 8.33%2014 Q3 11,892 1,450,975 1,536,066 0.9479 1.0187 1,483,306 904,358 1.0293 1.0224 1.1027 1,049,397 11.0% 81.7% 550 8.33%2014 Q4 14,204 1,719,162 1,832,922 0.9537 1.0187 1,780,879 1,641,844 1.0256 1.0224 1.1027 1,898,305 11.0% 117.6% 764 8.33%2015 Q1 16,298 1,953,113 2,086,933 0.9640 1.0187 2,049,553 904,114 1.0219 1.0224 1.1027 1,041,578 11.0% 61.8% 707 8.33%2015 Q2 18,906 2,238,305 2,376,831 0.9738 1.0187 2,357,991 1,292,508 1.0182 1.0224 1.1027 1,483,668 11.0% 73.9% 902 8.33%2015 Q3 21,278 2,502,592 2,636,501 0.9846 1.0187 2,644,659 1,385,491 1.0145 1.0224 1.1027 1,584,680 11.0% 70.9% 921 8.33%2015 Q4 23,001 2,658,756 2,796,114 1.0007 1.0187 2,850,601 2,415,684 1.0109 1.0224 1.1027 2,753,041 11.0% 107.6% 1,080 8.33%2016 Q1 24,196 2,785,036 2,930,833 1.0099 1.0187 3,015,277 1,372,831 1.0072 1.0224 1.1027 1,558,921 11.0% 62.7% 999 8.33%2016 Q2 25,635 2,930,952 3,107,831 1.0076 1.0187 3,190,190 1,815,651 1.0036 1.0224 1.1027 2,054,349 11.0% 75.4% 1,169 8.33%2016 Q3 27,079 3,077,826 3,292,938 1.0000 1.0187 3,354,648 1,702,234 1.0000 1.0224 1.1027 1,919,092 11.0% 68.2% 1,145 8.33%


Notes: Effective Date: 08/27/2017 [20] Credibility 1.000[1] From internal report [21] Loss Ratio Trend 0.1%[2] From internal report [22] Cred. Wtd. Indicated Rate Change 23.5%[3] The Collected Earned Premium is brought to current rate levels using the parallelogram method[10] Refer to Exhibit G for Catastrophe Adjustment Factor.[15] Refer to Exhibit J for Accident Year/Quarter Weight Selection Method[16] Total of [13] using [15] as weights[18] {[16] ÷ [17]} - 1[20] {[19] / 1084} ^ 0.50[21] {{[1.00 + 0.015] / [1.00 + 0.012]} ^ 0.50} - 1.00. Refer to Exhibits D, E and F for annual future loss and premium trend selections[22] [(18) x (20)] + {[1.00 - (20)] x (21)}

Exhibit B-5

Page 6 of 83

Company: Mid-Century Insurance CompanyState: PennsylvaniaCoverage: Collision


Direct Direct COLL COLL =[3]x[4]x[5] COLL COLL COLL =[7]x[8]x[9] =([10]÷[6])+[11]Collected Earned Historical Future COLL Trended Ultimate Historical Future COLL Projected Ultimate Accident

Accident Earned Earned Premium @ Prem Trend Prem Trend Current Level Incurred Loss Trend Loss Trend Trended A&O Loss & Incurred QuarterQuarter Exposures Premium Current Levels Factor Factor Premium Loss & DCC Factor Factor Losses & DCC Ratio LAE Ratio Claims Weights

2013 Q4 6,899 2,666,452 3,348,999 0.8885 0.9534 2,837,152 2,507,530 1.0491 1.0272 2,702,224 11.0% 106.2% 628 0.00%2014 Q1 7,914 3,042,331 3,808,632 0.9019 0.9534 3,275,106 3,183,628 1.0446 1.0272 3,415,885 11.0% 115.3% 830 0.00%2014 Q2 9,522 3,639,494 4,557,140 0.9065 0.9534 3,938,794 2,815,133 1.0400 1.0272 3,007,361 11.0% 87.4% 711 0.00%2014 Q3 11,428 4,294,459 5,405,070 0.9128 0.9534 4,703,821 3,051,517 1.0355 1.0272 3,245,698 11.0% 80.0% 835 0.00%2014 Q4 13,628 5,076,584 6,434,864 0.9204 0.9534 5,647,058 4,391,013 1.0310 1.0272 4,650,105 11.0% 93.3% 1,079 0.00%2015 Q1 15,613 5,784,179 7,330,773 0.9291 0.9534 6,493,887 6,110,373 1.0265 1.0272 6,442,753 11.0% 110.2% 1,555 0.00%2015 Q2 18,126 6,779,114 8,343,869 0.9379 0.9534 7,461,343 5,199,585 1.0220 1.0272 5,458,561 11.0% 84.2% 1,431 0.00%2015 Q3 20,411 7,763,777 9,223,550 0.9519 0.9534 8,371,038 6,075,842 1.0176 1.0272 6,350,701 11.0% 86.9% 1,552 0.00%2015 Q4 22,033 8,496,428 9,765,669 0.9714 0.9534 9,044,942 7,313,937 1.0132 1.0272 7,611,532 11.0% 95.2% 1,737 25.00%2016 Q1 23,112 9,024,620 10,080,130 0.9879 0.9534 9,494,061 7,366,474 1.0088 1.0272 7,632,842 11.0% 91.4% 1,884 25.00%2016 Q2 24,509 9,481,891 10,581,152 0.9962 0.9534 10,049,649 6,962,252 1.0044 1.0272 7,182,606 11.0% 82.5% 1,821 25.00%2016 Q3 25,886 9,887,416 11,083,552 1.0000 0.9534 10,567,381 7,470,389 1.0000 1.0272 7,673,283 11.0% 83.6% 1,935 25.00%


Notes: Effective Date: 08/27/2017 [19] Credibility 1.000[1] From internal report [20] Loss Ratio Trend 2.5%[2] From internal report [21] Cred. Wtd. Indicated Rate Change 36.5%[3] The Collected Earned Premium is brought to current rate levels using the parallelogram method[14] Refer to Exhibit J for Accident Year/Quarter Weight Selection Method[15] Total of [12] using [14] as weights[17] {[15] ÷ [16]} - 1[19] {[18] / 1084} ^ 0.50[20] {{[1.00 + 0.018] / [1.00 + -0.031]} ^ 0.50} - 1.00. Refer to Exhibits D, E and F for annual future loss and premium trend selections[21] [(17) x (19)] + {[1.00 - (19)] x (20)}

Exhibit B-6

Page 7 of 83

Company: Mid-Century Insurance CompanyState: PennsylvaniaCoverage: Medical/No Fault


Direct Direct MEDNF MEDNF =[3]x[4]x[5] MEDNF MEDNF MEDNF =[7]x[8]x[9] =([10]÷[6])+[11]Collected Earned Historical Future MEDNF Trended Ultimate Historical Future MEDNF Projected Ultimate Accident

Accident Earned Earned Premium @ Prem Trend Prem Trend Current Level Incurred Loss Trend Loss Trend Trended A&O Loss & Incurred QuarterQuarter Exposures Premium Current Levels Factor Factor Premium Loss & DCC Factor Factor Losses & DCC Ratio LAE Ratio Claims Weights

2013 Q4 9,029 1,018,147 1,358,430 0.7718 0.7750 812,526 814,950 1.1498 1.0811 1,013,008 11.0% 135.7% 266 0.00%2014 Q1 10,321 1,140,882 1,520,133 0.7882 0.7750 928,590 632,116 1.1353 1.0811 775,832 11.0% 94.5% 242 0.00%2014 Q2 12,432 1,355,919 1,807,021 0.7991 0.7750 1,119,022 821,928 1.1210 1.0811 996,078 11.0% 100.0% 266 0.00%2014 Q3 14,863 1,578,000 2,113,838 0.8110 0.7750 1,328,573 1,095,625 1.1069 1.0811 1,311,024 11.0% 109.7% 337 0.00%2014 Q4 17,618 1,828,695 2,467,083 0.8249 0.7750 1,577,192 1,277,973 1.0929 1.0811 1,509,938 11.0% 106.7% 422 5.00%2015 Q1 20,088 2,047,374 2,768,081 0.8398 0.7750 1,801,578 1,830,532 1.0791 1.0811 2,135,519 11.0% 129.5% 517 5.00%2015 Q2 23,184 2,314,350 3,108,120 0.8516 0.7750 2,051,372 1,970,741 1.0655 1.0811 2,270,098 11.0% 121.7% 562 5.00%2015 Q3 25,950 2,555,678 3,403,254 0.8652 0.7750 2,281,942 2,079,700 1.0521 1.0811 2,365,400 11.0% 114.7% 608 5.00%2015 Q4 27,920 2,669,980 3,548,258 0.8916 0.7750 2,451,705 2,127,987 1.0388 1.0811 2,389,801 11.0% 108.5% 657 20.00%2016 Q1 29,188 2,718,394 3,611,155 0.9155 0.7750 2,562,243 2,111,260 1.0257 1.0811 2,341,117 11.0% 102.4% 606 20.00%2016 Q2 30,890 2,734,782 3,633,644 0.9580 0.7750 2,697,738 2,500,442 1.0128 1.0811 2,737,708 11.0% 112.5% 691 20.00%2016 Q3 32,561 2,761,277 3,653,064 1.0000 0.7750 2,831,092 2,870,402 1.0000 1.0811 3,103,144 11.0% 120.6% 777 20.00%


Notes: Effective Date: 08/27/2017 [19] Credibility 1.000[1] From internal report [20] Loss Ratio Trend 11.4%[2] From internal report [21] Cred. Wtd. Indicated Rate Change 85.5%[3] The Collected Earned Premium is brought to current rate levels using the parallelogram method[14] Refer to Exhibit J for Accident Year/Quarter Weight Selection Method[15] Total of [12] using [14] as weights[17] {[15] ÷ [16]} - 1[19] [(17) / 1084] ^ 0.50[20] {{[1.00 + 0.052] / [1.00 + -0.153]} ^ 0.50} - 1.00. Refer to Exhibits D, E and F for annual future loss and premium trend selections[21] [(17) x (19)] + {[1.00 - (19)] x (20)}

Exhibit C-1

Page 8 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Bodily InjuryFiscal Accident Years Ending with Quarter 3 of 2016 Incurred Losses, Net of Subrogation & SalvageEvaluated as-of Quarter 3 of 2016

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242010 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q3 2,600 22,350 26,865 26,865 27,365 27,365 27,365 27,365 27,365 27,365 27,365 27,365 27,365 27,365 27,365 27,365 27,365 27,365 27,365 27,365 27,3652011 Q4 22,600 30,500 29,000 28,000 28,000 28,000 42,000 96,250 101,500 101,500 119,500 119,500 119,500 119,500 119,500 119,500 119,500 119,500 119,500 119,5002012 Q1 15,225 43,760 44,460 35,776 54,276 32,111 34,204 28,772 30,679 41,179 49,179 49,179 49,179 62,679 85,179 85,179 85,179 85,179 87,6792012 Q2 38,315 129,052 148,552 152,802 189,052 188,552 184,152 189,102 238,452 242,302 240,489 248,489 251,489 278,989 281,489 278,489 293,489 290,9892012 Q3 111,459 171,059 196,392 284,359 299,109 298,489 305,192 351,442 419,942 440,892 467,392 500,792 565,322 582,322 582,322 537,322 537,6622012 Q4 72,970 213,841 273,213 285,921 283,226 292,226 376,826 399,596 408,888 512,653 514,002 514,002 527,109 527,109 527,109 527,1092013 Q1 116,630 330,632 381,460 385,718 443,535 479,035 535,535 534,003 567,803 573,053 591,553 611,303 611,303 611,303 611,3032013 Q2 125,445 247,853 271,478 318,217 359,515 463,388 491,693 508,943 528,792 538,692 564,192 624,192 629,692 643,7422013 Q3 365,715 601,622 643,954 708,204 734,286 809,231 834,554 877,754 923,844 972,344 1,031,994 1,030,494 1,052,8942013 Q4 142,703 394,446 548,526 633,634 721,364 757,123 783,678 766,678 825,978 840,342 855,392 852,9542014 Q1 545,993 990,074 988,497 1,050,715 1,176,868 1,238,003 1,374,079 1,486,072 1,572,282 1,596,832 1,627,3162014 Q2 271,397 874,519 1,135,324 1,309,514 1,426,948 1,543,210 1,644,358 1,833,898 1,998,357 1,993,4072014 Q3 476,077 924,220 1,176,700 1,475,452 1,577,445 1,726,155 1,893,017 2,025,797 2,142,3802014 Q4 348,280 886,688 1,271,495 1,460,584 1,511,899 1,638,484 1,788,583 1,948,2372015 Q1 425,531 880,196 1,115,968 1,394,280 1,482,407 1,651,121 1,766,0212015 Q2 503,860 897,491 991,946 1,140,111 1,294,788 1,431,2102015 Q3 860,007 1,763,027 2,008,014 2,164,862 2,473,1452015 Q4 850,558 1,607,697 1,794,581 1,935,7852016 Q1 593,007 1,284,335 1,552,4642016 Q2 606,436 1,851,8212016 Q3 800,057

Losses Selected SelectedAccident as of Age-Ult UltimateQuarter 2016 Q3 Factor Losses2010 Q4 0 N/A 02011 Q1 0 N/A 02011 Q2 0 N/A 02011 Q3 27,365 1.0070 27,5572011 Q4 119,500 1.0084 120,5052012 Q1 87,679 1.0118 88,7132012 Q2 290,989 1.0165 295,7832012 Q3 537,662 1.0167 546,6292012 Q4 527,109 1.0109 532,8472013 Q1 611,303 1.0133 619,4562013 Q2 643,742 1.0213 657,4662013 Q3 1,052,894 1.0264 1,080,7062013 Q4 852,954 1.0462 892,3652014 Q1 1,627,316 1.0647 1,732,6032014 Q2 1,993,407 1.0820 2,156,9192014 Q3 2,142,380 1.0940 2,343,7652014 Q4 1,948,237 1.1296 2,200,7222015 Q1 1,766,021 1.1383 2,010,3262015 Q2 1,431,210 1.1945 1,709,5732015 Q3 2,473,145 1.2931 3,197,9512015 Q4 1,935,785 1.4578 2,821,9362016 Q1 1,552,464 1.6871 2,619,1852016 Q2 1,851,821 1.8860 3,492,4822016 Q3 800,057 4.1328 3,306,481

As of xx Quarters of Development

Estimated Ultimate Losses

Exhibit C-1

Page 9 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Bodily InjuryFiscal Accident Years Ending with Quarter 3 of 2016 Incurred Losses, Net of Subrogation & SalvageEvaluated as-of Quarter 3 of 2016

AccidentQuarter 1 - 2 2 - 3 3 - 4 4 - 5 5 - 6 6 - 7 7 - 8 8 - 9 9 - 10 10 - 11 11 - 12 12 - 13 13 - 14 14 - 15 15 - 16 16 - 17 17 - 18 18 - 19 19 - 20 20 - 21 21 - 22 22 - 23 23 - 242010 Q42011 Q12011 Q22011 Q3 8.5962 1.2020 1.0000 1.0186 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002011 Q4 1.3496 0.9508 0.9655 1.0000 1.0000 1.5000 2.2917 1.0545 1.0000 1.1773 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q1 2.8742 1.0160 0.8047 1.5171 0.5916 1.0652 0.8412 1.0663 1.3423 1.1943 1.0000 1.0000 1.2745 1.3590 1.0000 1.0000 1.0000 1.02932012 Q2 3.3682 1.1511 1.0286 1.2372 0.9974 0.9767 1.0269 1.2610 1.0161 0.9925 1.0333 1.0121 1.1093 1.0090 0.9893 1.0539 0.99152012 Q3 1.5347 1.1481 1.4479 1.0519 0.9979 1.0225 1.1515 1.1949 1.0499 1.0601 1.0715 1.1289 1.0301 1.0000 0.9227 1.00062012 Q4 2.9305 1.2776 1.0465 0.9906 1.0318 1.2895 1.0604 1.0233 1.2538 1.0026 1.0000 1.0255 1.0000 1.0000 1.00002013 Q1 2.8349 1.1537 1.0112 1.1499 1.0800 1.1179 0.9971 1.0633 1.0092 1.0323 1.0334 1.0000 1.0000 1.00002013 Q2 1.9758 1.0953 1.1722 1.1298 1.2889 1.0611 1.0351 1.0390 1.0187 1.0473 1.1063 1.0088 1.02232013 Q3 1.6451 1.0704 1.0998 1.0368 1.1021 1.0313 1.0518 1.0525 1.0525 1.0613 0.9985 1.02172013 Q4 2.7641 1.3906 1.1552 1.1385 1.0496 1.0351 0.9783 1.0773 1.0174 1.0179 0.99722014 Q1 1.8133 0.9984 1.0629 1.1201 1.0519 1.1099 1.0815 1.0580 1.0156 1.01912014 Q2 3.2223 1.2982 1.1534 1.0897 1.0815 1.0655 1.1153 1.0897 0.99752014 Q3 1.9413 1.2732 1.2539 1.0691 1.0943 1.0967 1.0701 1.05752014 Q4 2.5459 1.4340 1.1487 1.0351 1.0837 1.0916 1.08932015 Q1 2.0685 1.2679 1.2494 1.0632 1.1138 1.06962015 Q2 1.7812 1.1052 1.1494 1.1357 1.10542015 Q3 2.0500 1.1390 1.0781 1.14242015 Q4 1.8902 1.1162 1.07872016 Q1 2.1658 1.20882016 Q2 3.0536

Age-to-Age Development Factors

Exhibit C-1

Page 10 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Bodily InjuryFiscal Accident Years Ending with Quarter 3 of 2016 Paid Defense and Cost Containment ExpensesEvaluated as-of Quarter 3 of 2016

Accident As of xx Quarters of DevelopmentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24

2010 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q4 0 4,740 4,835 4,835 4,835 4,835 10,065 10,065 11,236 17,249 17,259 17,294 17,294 17,294 17,294 17,294 17,294 17,294 17,294 17,2942012 Q1 0 67 137 137 137 137 137 5,321 5,321 10,740 11,132 17,521 17,546 17,546 18,087 18,603 18,603 18,613 18,6132012 Q2 0 95 95 95 95 130 217 7,970 13,479 19,198 19,631 20,268 20,268 31,497 38,176 38,176 38,176 38,4952012 Q3 0 0 0 198 208 10,157 11,043 33,070 38,962 39,192 51,106 53,413 54,090 55,130 58,434 65,241 68,8192012 Q4 15 15 15 40 133 5,577 11,146 11,799 12,334 23,394 30,186 30,490 31,141 31,391 31,391 31,3912013 Q1 0 113 113 113 5,174 5,668 13,168 23,762 35,429 39,058 49,257 62,669 67,016 67,408 67,4082013 Q2 70 227 5,571 11,061 16,510 35,764 48,728 48,678 49,482 63,669 70,941 78,023 78,859 80,0182013 Q3 0 1,168 1,352 1,352 6,771 17,900 41,150 41,150 61,487 81,863 82,403 99,069 101,4062013 Q4 35 355 754 6,173 18,285 18,570 34,715 34,715 81,323 123,961 138,751 148,5992014 Q1 0 1,595 7,204 9,148 20,418 35,583 58,394 71,694 96,812 148,323 168,4392014 Q2 0 457 958 19,664 39,129 54,362 69,677 101,707 170,644 233,0862014 Q3 117 7,260 13,713 57,068 78,724 97,347 136,755 163,157 238,9472014 Q4 420 1,078 5,762 18,598 42,023 62,498 76,665 96,7112015 Q1 103 425 7,241 34,546 48,692 72,093 103,7212015 Q2 38 6,880 7,233 14,567 22,947 55,1362015 Q3 41 6,720 14,477 35,675 75,7222015 Q4 29 7,059 14,877 28,9492016 Q1 89 10,686 23,5662016 Q2 312 19,1312016 Q3 185

Losses Selected SelectedAccident as of Age-Ult UltimateQuarter 2016 Q3 Factor Losses2010 Q4 0 N/A 02011 Q1 0 N/A 02011 Q2 0 N/A 02011 Q3 0 N/A 02011 Q4 17,294 1.0799 18,6752012 Q1 18,613 1.0977 20,4322012 Q2 38,495 1.1231 43,2332012 Q3 68,819 1.1544 79,4482012 Q4 31,391 1.1433 35,8892013 Q1 67,408 1.1851 79,8882013 Q2 80,018 1.2435 99,5022013 Q3 101,406 1.3094 132,7792013 Q4 148,599 1.3913 206,7492014 Q1 168,439 1.4662 246,9592014 Q2 233,086 1.6732 390,0052014 Q3 238,947 1.8978 453,4662014 Q4 96,711 2.6753 258,7302015 Q1 103,721 2.5546 264,9692015 Q2 55,136 4.2685 235,3512015 Q3 75,722 4.7411 359,0042015 Q4 28,949 12.9193 374,0042016 Q1 23,566 18.1170 426,9502016 Q2 19,131 24.9192 476,7182016 Q3 185 2,469.3418 456,828


Exhibit C-1

Page 11 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Bodily InjuryFiscal Accident Years Ending with Quarter 3 of 2016 Paid Defense and Cost Containment ExpensesEvaluated as-of Quarter 3 of 2016

Accident Age-to-Age Development FactorsQuarter 1 - 2 2 - 3 3 - 4 4 - 5 5 - 6 6 - 7 7 - 8 8 - 9 9 - 10 10 - 11 11 - 12 12 - 13 13 - 14 14 - 15 15 - 16 16 - 17 17 - 18 18 - 19 19 - 20 20 - 21 21 - 22 22 - 23 23 - 24

2010 Q42011 Q12011 Q22011 Q32011 Q4 1.0200 1.0000 1.0000 1.0000 2.0817 1.0000 1.1163 1.5352 1.0006 1.0020 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q1 2.0511 1.0000 1.0000 1.0000 1.0000 38.9502 1.0000 2.0185 1.0365 1.5740 1.0014 1.0000 1.0308 1.0285 1.0000 1.0005 1.00002012 Q2 1.0000 1.0000 1.0000 1.3673 1.6646 36.7439 1.6913 1.4243 1.0225 1.0325 1.0000 1.5540 1.2121 1.0000 1.0000 1.00832012 Q3 1.0525 48.7468 1.0872 2.9946 1.1782 1.0059 1.3040 1.0451 1.0127 1.0192 1.0599 1.1165 1.05482012 Q4 1.0000 1.0000 2.6667 3.3250 41.9323 1.9986 1.0586 1.0453 1.8967 1.2903 1.0101 1.0213 1.0080 1.0000 1.00002013 Q1 1.0000 1.0000 45.8365 1.0955 2.3231 1.8045 1.4910 1.1024 1.2611 1.2723 1.0694 1.0059 1.00002013 Q2 3.2410 24.5565 1.9855 1.4926 2.1662 1.3625 0.9990 1.0165 1.2867 1.1142 1.0998 1.0107 1.01472013 Q3 1.1580 1.0000 5.0075 2.6436 2.2989 1.0000 1.4942 1.3314 1.0066 1.2023 1.02362013 Q4 10.1443 2.1232 8.1886 2.9621 1.0156 1.8694 1.0000 2.3426 1.5243 1.1193 1.07102014 Q1 4.5177 1.2700 2.2319 1.7427 1.6411 1.2278 1.3503 1.5321 1.13562014 Q2 2.0950 20.5318 1.9899 1.3893 1.2817 1.4597 1.6778 1.36592014 Q3 62.2444 1.8889 4.1617 1.3795 1.2366 1.4048 1.1931 1.46452014 Q4 2.5690 5.3448 3.2278 2.2596 1.4872 1.2267 1.26152015 Q1 4.1378 17.0553 4.7707 1.4095 1.4806 1.43872015 Q2 181.0461 1.0513 2.0141 1.5753 2.40272015 Q3 162.6017 2.1542 2.4642 2.12252015 Q4 243.4138 2.1075 1.94602016 Q1 119.4398 2.20532016 Q2 61.3492

Exhibit C-2

Page 12 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Property DamageFiscal Accident Years Ending with Quarter 3 of 2016 Incurred Losses, Gross of Subrogation & SalvageEvaluated as-of Quarter 3 of 2016

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242010 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q2 0 1,850 1,850 1,850 1,850 1,850 1,850 1,850 1,850 1,850 1,850 1,850 1,850 1,850 1,850 1,850 1,850 1,850 1,850 1,850 1,850 1,8502011 Q3 950 17,941 21,129 21,129 21,381 21,381 21,381 21,381 21,381 21,381 21,381 21,381 21,381 21,381 21,381 21,381 21,381 21,381 21,381 21,381 21,3812011 Q4 6,021 26,048 27,499 27,499 27,499 27,499 27,499 27,499 27,499 27,499 27,499 27,499 27,499 27,499 27,499 27,499 27,499 27,499 27,499 27,4992012 Q1 38,554 92,871 109,948 111,526 114,618 114,618 115,260 115,260 115,260 115,260 115,260 115,260 115,260 115,260 115,260 115,260 115,260 115,260 115,2602012 Q2 77,352 255,727 283,230 311,387 323,576 339,648 344,648 344,648 344,648 344,648 344,648 344,648 344,648 344,648 344,648 344,648 344,648 344,6482012 Q3 159,900 345,189 403,426 418,617 425,482 425,482 455,482 455,482 455,482 455,482 455,482 455,482 455,482 455,482 455,482 455,482 455,4822012 Q4 202,077 522,473 621,499 664,516 682,379 684,530 685,587 691,705 696,705 696,705 696,705 697,015 697,241 697,241 697,241 697,2412013 Q1 182,028 617,319 685,271 710,273 728,279 728,279 728,279 738,279 788,279 789,077 789,077 789,077 789,079 789,079 789,0792013 Q2 255,883 756,267 908,334 934,536 949,041 959,071 959,071 964,704 970,641 971,440 971,440 971,440 971,440 971,4402013 Q3 369,884 1,009,947 1,155,709 1,195,980 1,229,100 1,238,156 1,247,173 1,252,139 1,252,139 1,252,404 1,255,889 1,255,889 1,255,8892013 Q4 501,301 1,389,316 1,626,015 1,709,434 1,715,554 1,727,636 1,745,607 1,760,271 1,770,774 1,771,024 1,771,024 1,771,0242014 Q1 550,681 1,452,371 1,608,592 1,737,215 1,800,339 1,809,991 1,811,631 1,811,631 1,818,968 1,831,235 1,834,0912014 Q2 580,897 1,611,719 1,829,347 1,896,460 1,948,162 1,968,669 1,976,781 1,993,796 1,993,796 1,998,7962014 Q3 639,339 1,729,615 2,014,711 2,137,488 2,165,631 2,214,722 2,248,122 2,248,471 2,248,9462014 Q4 916,071 2,189,079 2,636,142 2,793,784 2,859,815 2,900,753 2,923,268 2,938,8552015 Q1 1,026,060 2,741,581 3,314,984 3,513,402 3,633,227 3,650,673 3,683,7742015 Q2 1,059,614 2,926,335 3,397,125 3,556,461 3,612,244 3,684,2002015 Q3 1,067,957 3,101,614 3,815,519 4,077,504 4,346,1692015 Q4 1,235,507 3,533,375 4,094,503 4,405,1432016 Q1 1,489,182 3,711,549 4,272,8802016 Q2 1,388,492 3,854,2072016 Q3 1,532,033

Losses Selected SelectedAccident as of Age-Ult UltimateQuarter 2016 Q3 Factor Losses2010 Q4 0 N/A 02011 Q1 0 N/A 02011 Q2 1,850 1.0001 1,8502011 Q3 21,381 1.0002 21,3842011 Q4 27,499 1.0002 27,5032012 Q1 115,260 1.0002 115,2782012 Q2 344,648 1.0001 344,6982012 Q3 455,482 1.0002 455,5552012 Q4 697,241 1.0002 697,3762013 Q1 789,079 1.0004 789,3842013 Q2 971,440 1.0008 972,2092013 Q3 1,255,889 1.0011 1,257,2762013 Q4 1,771,024 1.0019 1,774,4072014 Q1 1,834,091 1.0027 1,839,0702014 Q2 1,998,796 1.0039 2,006,6072014 Q3 2,248,946 1.0065 2,263,5422014 Q4 2,938,855 1.0104 2,969,5472015 Q1 3,683,774 1.0151 3,739,3162015 Q2 3,684,200 1.0219 3,765,0202015 Q3 4,346,169 1.0350 4,498,0782015 Q4 4,405,143 1.0591 4,665,2922016 Q1 4,272,880 1.1038 4,716,4392016 Q2 3,854,207 1.2725 4,904,3232016 Q3 1,532,033 3.6186 5,543,784



Exhibit C-2

Page 13 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Property DamageFiscal Accident Years Ending with Quarter 3 of 2016 Incurred Losses, Gross of Subrogation & SalvageEvaluated as-of Quarter 3 of 2016

AccidentQuarter 1 - 2 2 - 3 3 - 4 4 - 5 5 - 6 6 - 7 7 - 8 8 - 9 9 - 10 10 - 11 11 - 12 12 - 13 13 - 14 14 - 15 15 - 16 16 - 17 17 - 18 18 - 19 19 - 20 20 - 21 21 - 22 22 - 23 23 - 24 24 - 252010 Q42011 Q12011 Q2 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002011 Q3 18.8953 1.1776 1.0000 1.0119 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002011 Q4 4.3265 1.0557 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q1 2.4088 1.1839 1.0143 1.0277 1.0000 1.0056 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q2 3.3060 1.1076 1.0994 1.0391 1.0497 1.0147 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q3 2.1588 1.1687 1.0377 1.0164 1.0000 1.0705 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q4 2.5855 1.1895 1.0692 1.0269 1.0032 1.0015 1.0089 1.0072 1.0000 1.0000 1.0004 1.0003 1.0000 1.0000 1.00002013 Q1 3.3913 1.1101 1.0365 1.0254 1.0000 1.0000 1.0137 1.0677 1.0010 1.0000 1.0000 1.0000 1.0000 1.00002013 Q2 2.9555 1.2011 1.0288 1.0155 1.0106 1.0000 1.0059 1.0062 1.0008 1.0000 1.0000 1.0000 1.00002013 Q3 2.7304 1.1443 1.0348 1.0277 1.0074 1.0073 1.0040 1.0000 1.0002 1.0028 1.0000 1.00002013 Q4 2.7714 1.1704 1.0513 1.0036 1.0070 1.0104 1.0084 1.0060 1.0001 1.0000 1.00002014 Q1 2.6374 1.1076 1.0800 1.0363 1.0054 1.0009 1.0000 1.0040 1.0067 1.00162014 Q2 2.7745 1.1350 1.0367 1.0273 1.0105 1.0041 1.0086 1.0000 1.00252014 Q3 2.7053 1.1648 1.0609 1.0132 1.0227 1.0151 1.0002 1.00022014 Q4 2.3896 1.2042 1.0598 1.0236 1.0143 1.0078 1.00532015 Q1 2.6720 1.2092 1.0599 1.0341 1.0048 1.00912015 Q2 2.7617 1.1609 1.0469 1.0157 1.01992015 Q3 2.9043 1.2302 1.0687 1.06592015 Q4 2.8599 1.1588 1.07592016 Q1 2.4923 1.15122016 Q2 2.7758


Exhibit C-2

Page 14 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Property DamageFiscal Accident Years Ending with Quarter 3 of 2016 Paid Subrogation & SalvageEvaluated as-of Quarter 3 of 2016

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242010 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q3 0 (851) (1,086) (1,086) (1,086) (1,086) (1,086) (1,086) (1,086) (1,086) (1,086) (1,086) (1,086) (1,086) (1,086) (1,086) (1,086) (1,086) (1,086) (1,086) (1,086)2011 Q4 0 (285) (285) (285) (285) (285) (285) (285) (285) (285) (285) (285) (285) (285) (285) (285) (285) (285) (285) (285)2012 Q1 0 (974) (974) (974) (974) (974) (974) (974) (974) (974) (974) (974) (974) (974) (974) (974) (974) (974) (974)2012 Q2 0 0 0 (6) (20) (34) (34) (41) (41) (41) (41) (41) (41) (41) (41) (41) (41) (41)2012 Q3 (1,761) (2,979) (4,248) (4,248) (4,248) (4,554) (4,554) (4,554) (4,554) (4,554) (4,554) (4,554) (4,554) (4,554) (4,554) (4,554) (4,554)2012 Q4 (2,675) (6,754) (7,599) (7,599) (7,687) (7,687) (7,687) (7,687) (7,687) (7,687) (7,687) (7,687) (7,687) (7,687) (7,687) (7,687)2013 Q1 (641) (6,065) (8,708) (10,192) (10,192) (10,192) (10,192) (10,192) (10,192) (9,458) (9,458) (9,458) (9,458) (9,458) (9,458)2013 Q2 0 (6,947) (10,577) (11,128) (11,128) (11,128) (11,128) (11,128) (11,128) (11,128) (11,128) (11,128) (11,128) (11,128)2013 Q3 (5,413) (11,438) (11,438) (11,438) (11,438) (11,438) (11,438) (11,438) (11,438) (11,438) (11,438) (11,471) (11,471)2013 Q4 (7,669) (14,791) (16,459) (16,459) (16,459) (16,459) (16,459) (16,459) (16,459) (16,459) (16,459) (16,459)2014 Q1 (5,203) (28,635) (29,310) (29,310) (29,310) (29,409) (29,409) (29,409) (29,409) (29,409) (29,409)2014 Q2 (7,777) (16,870) (17,963) (17,963) (17,963) (17,963) (17,963) (17,963) (17,963) (17,963)2014 Q3 (2,957) (15,805) (22,750) (22,750) (22,750) (22,750) (22,750) (22,750) (22,750)2014 Q4 (6,837) (25,851) (35,975) (35,975) (38,916) (38,916) (38,916) (38,916)2015 Q1 (3,869) (46,246) (53,448) (54,020) (54,020) (54,020) (54,020)2015 Q2 (8,181) (32,394) (37,676) (37,676) (38,660) (38,660)2015 Q3 (5,966) (49,900) (49,900) (49,900) (49,934)2015 Q4 (4,398) (43,459) (47,595) (39,659)2016 Q1 (13,300) (64,995) (71,195)2016 Q2 (10,686) (67,090)2016 Q3 (7,113)

Sub&Salv Selected SelectedAccident as of Age-Ult UltimateQuarter 2016 Q3 Factor Sub&Salv2010 Q4 0 N/A 02011 Q1 0 N/A 02011 Q2 0 N/A 02011 Q3 (1,086) 1.0001 (1,086)2011 Q4 (285) 1.0002 (285)2012 Q1 (974) 1.0002 (975)2012 Q2 (41) 1.0002 (41)2012 Q3 (4,554) 1.0003 (4,555)2012 Q4 (7,687) 1.0003 (7,689)2013 Q1 (9,458) 1.0003 (9,460)2013 Q2 (11,128) 1.0003 (11,131)2013 Q3 (11,471) 1.0008 (11,480)2013 Q4 (16,459) 1.0009 (16,473)2014 Q1 (29,409) 1.0009 (29,436)2014 Q2 (17,963) 1.0009 (17,979)2014 Q3 (22,750) 1.0016 (22,786)2014 Q4 (38,916) 1.0020 (38,994)2015 Q1 (54,020) 1.0036 (54,214)2015 Q2 (38,660) 1.0057 (38,880)2015 Q3 (49,934) 1.0105 (50,456)2015 Q4 (39,659) 1.0162 (40,300)2016 Q1 (71,195) 1.0294 (73,285)2016 Q2 (67,090) 1.2124 (81,342)2016 Q3 (7,113) 14.8824 (105,862)



Exhibit C-2

Page 15 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Property DamageFiscal Accident Years Ending with Quarter 3 of 2016 Paid Subrogation & SalvageEvaluated as-of Quarter 3 of 2016

AccidentQuarter 1 - 2 2 - 3 3 - 4 4 - 5 5 - 6 6 - 7 7 - 8 8 - 9 9 - 10 10 - 11 11 - 12 12 - 13 13 - 14 14 - 15 15 - 16 16 - 17 17 - 18 18 - 19 19 - 20 20 - 21 21 - 22 22 - 23 23 - 24 24 - 252010 Q42011 Q12011 Q22011 Q3 1.2763 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002011 Q4 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q2 3.4956 1.7139 1.0000 1.2118 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q3 1.6913 1.4260 1.0000 1.0000 1.0720 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q4 2.5247 1.1253 1.0000 1.0116 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002013 Q1 9.4623 1.4358 1.1704 1.0000 1.0000 1.0000 1.0000 1.0000 0.9280 1.0000 1.0000 1.0000 1.0000 1.00002013 Q2 1.5226 1.0521 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002013 Q3 2.1129 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0029 1.00002013 Q4 1.9287 1.1128 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q1 5.5031 1.0236 1.0000 1.0000 1.0034 1.0000 1.0000 1.0000 1.0000 1.00002014 Q2 2.1694 1.0647 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q3 5.3450 1.4394 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q4 3.7811 1.3916 1.0000 1.0817 1.0000 1.0000 1.00002015 Q1 11.9525 1.1557 1.0107 1.0000 1.0000 1.00002015 Q2 3.9596 1.1631 1.0000 1.0261 1.00002015 Q3 8.3640 1.0000 1.0000 1.00072015 Q4 9.8805 1.0952 0.83332016 Q1 4.8868 1.09542016 Q2 6.2781


Exhibit C-2

Page 16 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Property DamageFiscal Accident Years Ending with Quarter 3 of 2016 Paid Defense and Cost Containment ExpensesEvaluated as-of Quarter 3 of 2016


2010 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02012 Q1 0 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 132012 Q2 0 13 26 26 26 26 26 26 26 26 26 26 26 26 26 26 26 262012 Q3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02012 Q4 30 30 30 30 30 30 30 30 5,740 5,740 5,740 5,740 6,060 6,060 6,060 6,0602013 Q1 178 178 178 946 6,452 6,452 6,452 6,452 6,510 6,510 6,510 6,510 6,510 6,510 6,5102013 Q2 112 282 282 282 861 1,020 1,020 1,020 1,179 1,237 1,237 1,237 1,237 1,2372013 Q3 0 48 88 88 88 1,273 1,446 1,823 1,823 1,895 2,808 2,808 2,8082013 Q4 53 276 276 426 426 501 501 501 501 501 501 5012014 Q1 0 1,762 1,762 7,472 9,069 9,214 9,214 9,315 16,110 22,832 22,8322014 Q2 0 143 143 143 20,310 20,340 29,096 29,713 29,791 29,7912014 Q3 125 333 333 333 583 7,262 8,699 8,699 8,6992014 Q4 785 3,772 10,451 23,844 23,844 44,010 44,369 51,2472015 Q1 2,152 3,480 3,510 3,742 3,242 3,242 15,5742015 Q2 2,029 6,141 12,820 19,542 19,542 19,5422015 Q3 5,032 8,616 9,130 9,169 15,3352015 Q4 2,827 6,495 7,206 14,0102016 Q1 1,078 702 6,8682016 Q2 0 13,0782016 Q3 582

Losses Selected SelectedAccident as of Age-Ult UltimateQuarter 2016 Q3 Factor Losses2010 Q4 0 N/A 02011 Q1 0 N/A 02011 Q2 0 N/A 02011 Q3 0 N/A 02011 Q4 0 N/A 02012 Q1 13 1.2254 162012 Q2 26 1.2348 322012 Q3 0 N/A 02012 Q4 6,060 1.2372 7,4982013 Q1 6,510 1.3801 8,9852013 Q2 1,237 1.3099 1,6212013 Q3 2,808 1.2583 3,5332013 Q4 501 1.3659 6842014 Q1 22,832 1.3610 31,0752014 Q2 29,791 1.4506 43,2152014 Q3 8,699 1.5907 13,8382014 Q4 51,247 1.6482 84,4652015 Q1 15,574 1.8357 28,5892015 Q2 19,542 2.1653 42,3142015 Q3 15,335 2.6041 39,9332015 Q4 14,010 2.8139 39,4242016 Q1 6,868 4.1248 28,3302016 Q2 13,078 7.4982 98,0622016 Q3 582 42.6539 24,812


Exhibit C-2

Page 17 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Property DamageFiscal Accident Years Ending with Quarter 3 of 2016 Paid Defense and Cost Containment ExpensesEvaluated as-of Quarter 3 of 2016


2010 Q42011 Q12011 Q22011 Q32011 Q42012 Q1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q2 2.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q32012 Q4 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 191.3333 1.0000 1.0000 1.0000 1.0558 1.0000 1.0000 1.00002013 Q1 1.0000 1.0000 5.3124 6.8226 1.0000 1.0000 1.0000 1.0091 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002013 Q2 2.5134 1.0000 1.0000 3.0580 1.1851 1.0000 1.0000 1.1562 1.0491 1.0000 1.0000 1.0000 1.00002013 Q3 1.8333 1.0000 1.0000 14.4624 1.1366 1.2603 1.0000 1.0397 1.4814 1.0000 1.00002013 Q4 5.2075 1.0000 1.5435 1.0000 1.1761 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q1 1.0000 4.2411 1.2138 1.0160 1.0000 1.0110 1.7294 1.4173 1.00002014 Q2 1.0000 1.0000 142.0280 1.0015 1.4305 1.0212 1.0026 1.00002014 Q3 2.6640 1.0000 1.0000 1.7508 12.4563 1.1979 1.0000 1.00002014 Q4 4.8049 2.7708 2.2815 1.0000 1.8458 1.0082 1.15502015 Q1 1.6171 1.0086 1.0660 0.8664 1.0000 4.80412015 Q2 3.0267 2.0876 1.5243 1.0000 1.00002015 Q3 1.7122 1.0596 1.0043 1.67252015 Q4 2.2978 1.1095 1.94422016 Q1 0.6514 9.78022016 Q2

Exhibit C-3

Page 18 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Uninsured Motorist Bodily InjuryFiscal Accident Years Ending with Quarter 3 of 2016 Incurred Losses, Net of Subrogation & SalvageEvaluated as-of Quarter 3 of 2016

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242010 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q3 0 500 500 500 500 500 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q4 500 500 750 500 250 250 0 0 0 0 0 0 0 0 0 0 0 0 0 02012 Q1 81,250 106,734 106,734 106,734 113,734 113,734 113,734 113,734 113,734 113,734 113,734 113,734 113,734 108,234 108,234 108,234 108,234 108,234 108,2342012 Q2 1,000 32,500 37,250 62,000 61,000 61,000 58,000 60,500 60,500 60,500 60,500 60,500 60,500 60,500 60,500 60,500 60,500 60,5002012 Q3 4,250 10,250 7,250 750 500 500 500 16,500 17,500 16,750 16,750 16,750 16,750 16,750 16,750 16,750 16,7502012 Q4 2,850 7,010 13,010 26,160 63,845 88,845 80,957 76,457 184,207 184,207 183,957 213,957 212,957 212,957 212,957 212,9572013 Q1 3,250 108,180 106,680 106,930 107,180 107,930 177,250 177,750 181,500 183,500 183,750 193,500 195,500 202,000 202,0002013 Q2 12,639 11,966 36,301 36,301 36,301 52,401 47,651 47,651 52,651 60,401 60,151 60,401 60,401 60,1512013 Q3 32,250 145,327 102,546 121,046 130,646 135,896 136,546 141,046 141,046 143,046 143,046 143,046 143,0462013 Q4 6,400 16,410 28,160 101,160 191,910 267,410 264,160 264,410 291,910 291,910 309,160 312,9102014 Q1 98,350 126,700 152,568 196,218 203,218 241,868 287,268 333,669 371,419 397,183 399,6832014 Q2 43,800 67,750 150,350 208,600 218,350 292,769 348,689 378,189 428,398 543,3982014 Q3 105,250 303,021 327,871 337,771 401,521 481,271 624,521 691,771 710,0212014 Q4 168,900 370,849 400,367 415,217 436,117 451,492 527,942 544,4422015 Q1 63,100 156,103 165,100 219,750 222,150 244,650 261,4002015 Q2 79,900 363,750 386,601 441,100 515,100 673,1002015 Q3 128,558 365,408 517,509 695,159 941,7242015 Q4 75,000 98,800 253,922 387,9222016 Q1 81,374 155,671 165,9972016 Q2 154,250 242,5002016 Q3 100,250

Losses Selected SelectedAccident as of Age-Ult UltimateQuarter 2016 Q3 Factor Losses2010 Q4 0 N/A 02011 Q1 0 N/A 02011 Q2 0 N/A 02011 Q3 0 N/A 02011 Q4 0 N/A 02012 Q1 108,234 1.0376 112,3072012 Q2 60,500 1.0410 62,9832012 Q3 16,750 1.0508 17,6002012 Q4 212,957 1.0563 224,9442013 Q1 202,000 1.0642 214,9732013 Q2 60,151 1.0906 65,6002013 Q3 143,046 1.1111 158,9432013 Q4 312,910 1.1348 355,1032014 Q1 399,683 1.1875 474,6352014 Q2 543,398 1.2366 671,9492014 Q3 710,021 1.3702 972,9002014 Q4 544,442 1.5572 847,7792015 Q1 261,400 1.4743 385,3852015 Q2 673,100 1.5961 1,074,3592015 Q3 941,724 1.6476 1,551,5642015 Q4 387,922 2.1005 814,8182016 Q1 165,997 3.8694 642,3152016 Q2 242,500 5.0655 1,228,3912016 Q3 100,250 13.5172 1,355,101



Exhibit C-3

Page 19 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Uninsured Motorist Bodily InjuryFiscal Accident Years Ending with Quarter 3 of 2016 Incurred Losses, Net of Subrogation & SalvageEvaluated as-of Quarter 3 of 2016

AccidentQuarter 1 - 2 2 - 3 3 - 4 4 - 5 5 - 6 6 - 7 7 - 8 8 - 9 9 - 10 10 - 11 11 - 12 12 - 13 13 - 14 14 - 15 15 - 16 16 - 17 17 - 18 18 - 19 19 - 20 20 - 21 21 - 22 22 - 23 23 - 242010 Q42011 Q12011 Q22011 Q3 1.0000 1.0000 1.0000 1.0000 0.00002011 Q4 1.0000 1.5000 0.6667 0.5000 1.0000 0.00002012 Q1 1.3136 1.0000 1.0000 1.0656 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.9516 1.0000 1.0000 1.0000 1.0000 1.00002012 Q2 32.5000 1.1462 1.6644 0.9839 1.0000 0.9508 1.0431 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q3 2.4118 0.7073 0.1034 0.6667 1.0000 1.0000 33.0000 1.0606 0.9571 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q4 2.4596 1.8559 2.0108 2.4406 1.3916 0.9112 0.9444 2.4093 1.0000 0.9986 1.1631 0.9953 1.0000 1.0000 1.00002013 Q1 33.2862 0.9861 1.0023 1.0023 1.0070 1.6423 1.0028 1.0211 1.0110 1.0014 1.0531 1.0103 1.0332 1.00002013 Q2 0.9467 3.0337 1.0000 1.0000 1.4435 0.9094 1.0000 1.1049 1.1472 0.9959 1.0042 1.0000 0.99592013 Q3 4.5063 0.7056 1.1804 1.0793 1.0402 1.0048 1.0330 1.0000 1.0142 1.0000 1.0000 1.00002013 Q4 2.5641 1.7160 3.5923 1.8971 1.3934 0.9878 1.0009 1.1040 1.0000 1.0591 1.01212014 Q1 1.2883 1.2042 1.2861 1.0357 1.1902 1.1877 1.1615 1.1131 1.0694 1.00632014 Q2 1.5468 2.2192 1.3874 1.0467 1.3408 1.1910 1.0846 1.1328 1.26842014 Q3 2.8791 1.0820 1.0302 1.1887 1.1986 1.2976 1.1077 1.02642014 Q4 2.1957 1.0796 1.0371 1.0503 1.0353 1.1693 1.03132015 Q1 2.4739 1.0576 1.3310 1.0109 1.1013 1.06852015 Q2 4.5526 1.0628 1.1410 1.1678 1.30672015 Q3 2.8424 1.4163 1.3433 1.35472015 Q4 1.3173 2.5701 1.52772016 Q1 1.9130 1.0663


Exhibit C-3

Page 20 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Uninsured Motorist Bodily InjuryFiscal Accident Years Ending with Quarter 3 of 2016 Paid Defense and Cost Containment ExpensesEvaluated as-of Quarter 3 of 2016


2010 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02012 Q1 120 155 190 190 225 225 225 225 225 225 225 225 225 225 225 225 225 225 2252012 Q2 15 15 15 4,755 4,755 5,005 5,005 5,005 5,005 5,005 5,005 5,005 5,005 5,005 5,005 5,005 5,005 5,0052012 Q3 35 35 35 35 35 35 35 35 35 35 35 35 35 35 35 35 352012 Q4 0 35 95 95 95 95 95 95 95 95 6,774 7,121 11,233 12,883 12,918 12,9182013 Q1 0 0 30 30 65 165 165 165 5,875 5,875 5,875 5,875 5,875 5,875 5,8752013 Q2 0 131 131 131 1,226 1,226 1,226 1,226 1,226 1,226 1,226 1,226 1,226 1,2262013 Q3 35 35 35 35 5,117 5,252 5,252 11,931 11,931 11,931 11,931 11,931 11,9312013 Q4 35 313 313 313 313 313 313 313 313 313 313 1,1382014 Q1 0 45 45 83 5,793 5,793 5,993 6,032 6,032 6,032 12,1982014 Q2 76 218 2,153 2,179 8,858 10,886 12,226 13,053 22,498 23,0692014 Q3 0 28 5,738 12,417 19,632 21,325 21,626 30,157 38,1522014 Q4 0 110 110 6,828 6,828 6,828 6,828 6,8282015 Q1 38 1,514 1,514 8,193 8,193 8,202 8,2022015 Q2 53 129 167 13,611 20,333 20,3332015 Q3 196 6,997 7,170 7,357 8,8732015 Q4 78 156 195 6,9992016 Q1 230 372 4462016 Q2 69 2702016 Q3 113

Losses Selected SelectedAccident as of Age-Ult UltimateQuarter 2016 Q3 Factor Losses2010 Q4 0 N/A 02011 Q1 0 N/A 02011 Q2 0 N/A 02011 Q3 0 N/A 02011 Q4 0 N/A 02012 Q1 225 1.0868 2452012 Q2 5,005 1.0908 5,4592012 Q3 35 1.1033 392012 Q4 12,918 1.2039 15,5522013 Q1 5,875 1.2835 7,5412013 Q2 1,226 1.2554 1,5392013 Q3 11,931 1.4306 17,0682013 Q4 1,138 1.4061 1,6012014 Q1 12,198 1.4315 17,4612014 Q2 23,069 1.7978 41,4732014 Q3 38,152 1.9169 73,1342014 Q4 6,828 3.9948 27,2782015 Q1 8,202 4.2414 34,7892015 Q2 20,333 3.8127 77,5232015 Q3 8,873 6.8526 60,8032015 Q4 6,999 8.9009 62,2972016 Q1 446 188.2795 83,9732016 Q2 270 369.3807 99,7332016 Q3 113 888.5542 100,407


Exhibit C-3

Page 21 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Uninsured Motorist Bodily InjuryFiscal Accident Years Ending with Quarter 3 of 2016 Paid Defense and Cost Containment ExpensesEvaluated as-of Quarter 3 of 2016


2010 Q42011 Q12011 Q22011 Q32011 Q42012 Q1 1.2915 1.2257 1.0000 1.1842 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q2 1.0000 1.0000 317.0000 1.0000 1.0526 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q3 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q4 2.7143 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 71.3053 1.0512 1.5775 1.1469 1.0027 1.00002013 Q1 1.0000 2.1667 2.5385 1.0000 1.0000 35.6061 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002013 Q2 1.0000 1.0000 9.3908 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002013 Q3 1.0000 1.0000 1.0000 146.1906 1.0264 1.0000 2.2718 1.0000 1.0000 1.0000 1.0000 1.00002013 Q4 8.9531 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 3.63282014 Q1 1.0000 1.8444 69.7952 1.0000 1.0345 1.0065 1.0000 1.0000 2.02222014 Q2 2.8684 9.8761 1.0121 4.0652 1.2289 1.1231 1.0676 1.7236 1.02542014 Q3 204.9286 2.1640 1.5811 1.0862 1.0141 1.3945 1.26512014 Q4 1.0000 61.9342 1.0000 1.0000 1.0000 1.00002015 Q1 39.5479 1.0000 5.4106 1.0000 1.0011 1.00002015 Q2 2.4340 1.2946 81.5030 1.4939 1.00002015 Q3 35.7008 1.0247 1.0261 1.20602015 Q4 2.0000 1.2500 35.89232016 Q1 1.6174 1.1989

Exhibit C-4

Page 22 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania ComprehensiveFiscal Accident Years Ending with Quarter 3 of 2016 Incurred Losses, Gross of Subrogation & SalvageEvaluated as-of Quarter 3 of 2016

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242010 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q3 453 8,319 8,319 9,544 9,544 9,544 9,544 9,544 9,544 9,544 9,544 9,544 9,544 9,544 9,544 9,544 9,544 9,544 9,544 9,544 9,5442011 Q4 23,691 56,448 58,856 58,856 58,856 58,856 58,856 58,856 58,856 58,856 58,856 58,856 58,856 58,856 58,856 58,856 58,856 58,856 58,856 58,8562012 Q1 45,994 66,318 69,429 69,429 69,429 69,429 69,429 69,429 69,429 69,429 69,429 69,429 69,429 69,429 69,429 69,429 69,429 69,429 69,4292012 Q2 28,414 58,968 60,852 60,852 60,852 60,852 60,852 60,852 60,852 61,095 61,095 61,095 61,095 61,095 61,095 61,095 61,095 61,0952012 Q3 149,582 228,720 230,722 234,548 235,203 235,203 235,203 235,203 235,203 235,203 235,203 235,203 235,203 235,203 235,203 235,203 235,2032012 Q4 209,273 319,757 328,595 330,013 330,399 330,399 330,399 330,399 330,399 330,399 330,399 330,399 330,399 330,399 330,399 330,3992013 Q1 177,650 297,200 299,823 301,530 302,728 302,728 302,728 302,728 302,728 302,728 302,728 302,728 302,728 302,728 302,7282013 Q2 191,467 352,167 354,258 354,632 357,669 357,669 358,624 358,624 358,838 358,838 358,838 358,838 358,838 358,8382013 Q3 213,948 354,836 410,715 410,715 411,070 411,070 411,151 411,151 411,151 411,151 411,151 411,151 411,1512013 Q4 440,252 696,330 710,885 713,677 714,207 715,050 715,050 715,283 715,283 715,283 715,283 715,2832014 Q1 251,905 470,847 476,314 485,134 485,758 485,770 485,770 485,770 485,770 485,770 485,7702014 Q2 399,785 655,744 671,471 686,026 686,276 687,084 689,579 689,579 694,036 694,0362014 Q3 509,327 925,649 959,005 962,221 966,186 966,186 966,186 967,280 967,2802014 Q4 917,403 1,630,256 1,662,700 1,678,495 1,679,112 1,680,279 1,680,279 1,680,2792015 Q1 477,897 909,914 930,020 936,791 937,177 939,190 939,1902015 Q2 569,607 1,284,670 1,330,600 1,335,221 1,336,379 1,337,5442015 Q3 802,459 1,395,950 1,426,995 1,439,859 1,444,7182015 Q4 1,553,272 2,405,560 2,462,789 2,467,5872016 Q1 727,453 1,307,590 1,375,1782016 Q2 987,769 1,744,6572016 Q3 913,634

Losses Selected SelectedAccident as of Age-Ult UltimateQuarter 2016 Q3 Factor Losses2010 Q4 0 N/A 02011 Q1 0 N/A 02011 Q2 0 N/A 02011 Q3 9,544 1.0001 9,5462011 Q4 58,856 1.0002 58,8652012 Q1 69,429 1.0002 69,4412012 Q2 61,095 1.0003 61,1132012 Q3 235,203 1.0004 235,2872012 Q4 330,399 1.0004 330,5322013 Q1 302,728 1.0005 302,8642013 Q2 358,838 1.0005 359,0052013 Q3 411,151 1.0006 411,4072013 Q4 715,283 1.0008 715,8422014 Q1 485,770 1.0009 486,2272014 Q2 694,036 1.0012 694,8602014 Q3 967,280 1.0016 968,8572014 Q4 1,680,279 1.0022 1,683,9662015 Q1 939,190 1.0030 942,0292015 Q2 1,337,544 1.0042 1,343,1012015 Q3 1,444,718 1.0067 1,454,3942015 Q4 2,467,587 1.0128 2,499,2622016 Q1 1,375,178 1.0238 1,407,9422016 Q2 1,744,657 1.0676 1,862,5232016 Q3 913,634 1.9539 1,785,140



Exhibit C-4

Page 23 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania ComprehensiveFiscal Accident Years Ending with Quarter 3 of 2016 Incurred Losses, Gross of Subrogation & SalvageEvaluated as-of Quarter 3 of 2016

AccidentQuarter 1 - 2 2 - 3 3 - 4 4 - 5 5 - 6 6 - 7 7 - 8 8 - 9 9 - 10 10 - 11 11 - 12 12 - 13 13 - 14 14 - 15 15 - 16 16 - 17 17 - 18 18 - 19 19 - 20 20 - 21 21 - 22 22 - 23 23 - 24 24 - 252010 Q42011 Q12011 Q22011 Q3 18.3567 1.0000 1.1472 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002011 Q4 2.3827 1.0427 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q1 1.4419 1.0469 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q2 2.0753 1.0320 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0040 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q3 1.5291 1.0088 1.0166 1.0028 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q4 1.5279 1.0276 1.0043 1.0012 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002013 Q1 1.6730 1.0088 1.0057 1.0040 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002013 Q2 1.8393 1.0059 1.0011 1.0086 1.0000 1.0027 1.0000 1.0006 1.0000 1.0000 1.0000 1.0000 1.00002013 Q3 1.6585 1.1575 1.0000 1.0009 1.0000 1.0002 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002013 Q4 1.5817 1.0209 1.0039 1.0007 1.0012 1.0000 1.0003 1.0000 1.0000 1.0000 1.00002014 Q1 1.8691 1.0116 1.0185 1.0013 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q2 1.6402 1.0240 1.0217 1.0004 1.0012 1.0036 1.0000 1.0065 1.00002014 Q3 1.8174 1.0360 1.0034 1.0041 1.0000 1.0000 1.0011 1.00002014 Q4 1.7770 1.0199 1.0095 1.0004 1.0007 1.0000 1.00002015 Q1 1.9040 1.0221 1.0073 1.0004 1.0021 1.00002015 Q2 2.2554 1.0358 1.0035 1.0009 1.00092015 Q3 1.7396 1.0222 1.0090 1.00342015 Q4 1.5487 1.0238 1.00192016 Q1 1.7975 1.05172016 Q2 1.7663


Exhibit C-4

Page 24 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania ComprehensiveFiscal Accident Years Ending with Quarter 3 of 2016 Paid Subrogation & SalvageEvaluated as-of Quarter 3 of 2016

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242010 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02012 Q1 0 (531) (531) (531) (531) (531) (531) (531) (531) (531) (531) (531) (531) (531) (531) (531) (531) (531) (531)2012 Q2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02012 Q3 0 (236) (1,778) (1,778) (5,897) (7,634) (7,634) (7,634) (7,634) (7,634) (7,634) (7,634) (7,634) (7,634) (7,634) (7,634) (7,634)2012 Q4 (1,474) (12,154) (12,218) (12,218) (12,218) (12,218) (12,218) (13,606) (13,606) (13,606) (13,725) (13,725) (13,725) (13,725) (13,725) (13,725)2013 Q1 (7,434) (21,810) (29,895) (29,875) (29,875) (29,875) (29,875) (29,875) (29,875) (29,875) (29,875) (29,875) (29,875) (29,875) (29,875)2013 Q2 0 (14,952) (14,952) (16,386) (16,386) (16,386) (16,386) (16,386) (16,386) (16,386) (16,386) (16,386) (16,386) (16,386)2013 Q3 (872) (12,191) (12,191) (12,191) (13,668) (13,668) (13,668) (13,668) (13,668) (13,668) (13,668) (13,668) (13,668)2013 Q4 (8,891) (19,973) (19,973) (19,973) (22,365) (22,365) (22,365) (22,365) (22,365) (22,365) (22,365) (22,365)2014 Q1 (1,756) (14,352) (17,621) (17,853) (17,853) (17,853) (17,853) (17,853) (17,853) (17,853) (17,853)2014 Q2 (8,992) (34,549) (44,567) (44,567) (45,528) (45,528) (44,928) (44,928) (45,528) (45,528)2014 Q3 (4,273) (61,432) (62,687) (63,761) (64,136) (64,136) (64,136) (64,136) (64,136)2014 Q4 (4,717) (41,032) (46,494) (46,736) (46,935) (46,935) (46,935) (46,935)2015 Q1 (462) (37,142) (38,730) (38,766) (38,766) (38,862) (38,862)2015 Q2 (639) (37,564) (51,356) (51,356) (51,356) (51,356)2015 Q3 (4,573) (49,377) (66,729) (69,340) (69,340)2015 Q4 (7,220) (67,260) (80,218) (87,943)2016 Q1 (2,524) (29,512) (32,792)2016 Q2 (9,888) (37,029)2016 Q3 (8,497)

Sub&Salv Selected SelectedAccident as of Age-Ult UltimateQuarter 2016 Q3 Factor Sub&Salv2010 Q4 0 N/A 02011 Q1 0 N/A 02011 Q2 0 N/A 02011 Q3 0 N/A 02011 Q4 0 N/A 02012 Q1 (531) 1.0064 (535)2012 Q2 0 N/A 02012 Q3 (7,634) 1.0074 (7,691)2012 Q4 (13,725) 1.0082 (13,837)2013 Q1 (29,875) 1.0087 (30,134)2013 Q2 (16,386) 1.0103 (16,555)2013 Q3 (13,668) 1.0117 (13,828)2013 Q4 (22,365) 1.0130 (22,656)2014 Q1 (17,853) 1.0134 (18,093)2014 Q2 (45,528) 1.0142 (46,175)2014 Q3 (64,136) 1.0169 (65,220)2014 Q4 (46,935) 1.0244 (48,082)2015 Q1 (38,862) 1.0322 (40,113)2015 Q2 (51,356) 1.0401 (53,416)2015 Q3 (69,340) 1.0495 (72,771)2015 Q4 (87,943) 1.0683 (93,951)2016 Q1 (32,792) 1.1202 (36,734)2016 Q2 (37,029) 1.4952 (55,365)2016 Q3 (8,497) 10.0372 (85,284)



Exhibit C-4

Page 25 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania ComprehensiveFiscal Accident Years Ending with Quarter 3 of 2016 Paid Subrogation & SalvageEvaluated as-of Quarter 3 of 2016

AccidentQuarter 1 - 2 2 - 3 3 - 4 4 - 5 5 - 6 6 - 7 7 - 8 8 - 9 9 - 10 10 - 11 11 - 12 12 - 13 13 - 14 14 - 15 15 - 16 16 - 17 17 - 18 18 - 19 19 - 20 20 - 21 21 - 22 22 - 23 23 - 24 24 - 252010 Q42011 Q12011 Q22011 Q32011 Q42012 Q1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q22012 Q3 7.5307 1.0000 3.3155 1.2947 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q4 8.2439 1.0053 1.0000 1.0000 1.0000 1.0000 1.1136 1.0000 1.0000 1.0087 1.0000 1.0000 1.0000 1.0000 1.00002013 Q1 2.9338 1.3707 0.9993 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002013 Q2 1.0000 1.0959 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002013 Q3 13.9836 1.0000 1.0000 1.1212 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002013 Q4 2.2466 1.0000 1.0000 1.1198 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q1 8.1711 1.2278 1.0132 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q2 3.8421 1.2900 1.0000 1.0215 1.0000 0.9868 1.0000 1.0134 1.00002014 Q3 14.3769 1.0204 1.0171 1.0059 1.0000 1.0000 1.0000 1.00002014 Q4 8.6995 1.1331 1.0052 1.0043 1.0000 1.0000 1.00002015 Q1 80.3143 1.0427 1.0009 1.0000 1.0025 1.00002015 Q2 58.8094 1.3672 1.0000 1.0000 1.00002015 Q3 10.7982 1.3514 1.0391 1.00002015 Q4 9.3157 1.1926 1.09632016 Q1 11.6929 1.11112016 Q2 3.7448


Exhibit C-4

Page 26 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania ComprehensiveFiscal Accident Years Ending with Quarter 3 of 2016 Paid Defense and Cost Containment ExpensesEvaluated as-of Quarter 3 of 2016


2010 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q3 0 65 65 65 65 65 65 65 65 65 65 65 65 65 65 65 65 65 65 65 652011 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02012 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02012 Q2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02012 Q3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02012 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02013 Q1 875 875 875 875 875 875 875 875 875 875 875 875 875 875 8752013 Q2 0 2,019 2,019 2,019 2,019 2,019 2,019 2,019 2,019 2,373 2,373 2,373 2,373 2,3732013 Q3 0 0 0 0 0 0 0 0 0 0 0 0 02013 Q4 850 850 850 850 850 850 850 850 850 850 850 8502014 Q1 0 0 0 0 0 0 0 0 0 0 02014 Q2 0 1,285 1,285 1,285 1,285 1,285 1,545 995 995 9952014 Q3 125 675 675 675 675 675 675 675 6752014 Q4 2,399 4,024 5,434 5,434 5,434 5,434 5,434 5,4342015 Q1 1,336 2,035 2,140 2,140 2,140 1,965 1,9652015 Q2 581 2,532 2,532 2,532 2,532 2,5322015 Q3 1,934 2,738 3,238 3,595 3,5952015 Q4 3,618 8,975 9,040 9,0402016 Q1 1,096 1,226 1,2262016 Q2 1,790 5,3802016 Q3 350

Losses Selected SelectedAccident as of Age-Ult UltimateQuarter 2016 Q3 Factor Losses2010 Q4 0 N/A 02011 Q1 0 N/A 02011 Q2 0 N/A 02011 Q3 65 1.0069 652011 Q4 0 N/A 02012 Q1 0 N/A 02012 Q2 0 N/A 02012 Q3 0 N/A 02012 Q4 0 N/A 02013 Q1 875 1.0109 8842013 Q2 2,373 1.0200 2,4202013 Q3 0 N/A 02013 Q4 850 1.0367 8812014 Q1 0 N/A 02014 Q2 995 1.0518 1,0472014 Q3 675 1.0688 7212014 Q4 5,434 1.0967 5,9602015 Q1 1,965 1.1190 2,1992015 Q2 2,532 1.1151 2,8232015 Q3 3,595 1.0759 3,8682015 Q4 9,040 1.1475 10,3742016 Q1 1,226 1.3236 1,6232016 Q2 5,380 1.5787 8,4932016 Q3 350 6.7950 2,378


Exhibit C-4

Page 27 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania ComprehensiveFiscal Accident Years Ending with Quarter 3 of 2016 Paid Defense and Cost Containment ExpensesEvaluated as-of Quarter 3 of 2016


2010 Q42011 Q12011 Q22011 Q3 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002011 Q42012 Q12012 Q22012 Q32012 Q42013 Q1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002013 Q2 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.1754 1.0000 1.0000 1.0000 1.00002013 Q32013 Q4 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q12014 Q2 1.0000 1.0000 1.0000 1.0000 1.2023 0.6440 1.0000 1.00002014 Q3 5.4000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q4 1.6771 1.3504 1.0000 1.0000 1.0000 1.0000 1.00002015 Q1 1.5231 1.0516 1.0000 1.0000 0.9182 1.00002015 Q2 4.3547 1.0000 1.0000 1.0000 1.00002015 Q3 1.4159 1.1826 1.1102 1.00002015 Q4 2.4807 1.0072 1.00002016 Q1 1.1186 1.00002016 Q2 3.0055

Exhibit C-5

Page 28 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania CollisionFiscal Accident Years Ending with Quarter 3 of 2016 Incurred Losses, Gross of Subrogation & SalvageEvaluated as-of Quarter 3 of 2016

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242010 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q3 6,230 34,538 35,538 35,538 35,538 35,538 35,538 35,538 35,538 35,538 35,538 35,538 35,538 35,538 35,538 35,538 35,538 35,538 35,538 35,538 35,5382011 Q4 84,731 196,368 196,368 196,435 196,435 196,435 197,510 197,510 197,510 197,510 197,510 197,510 197,510 197,510 197,510 197,510 197,510 197,510 197,510 197,5102012 Q1 155,865 288,708 290,950 291,460 294,568 294,568 294,568 294,568 294,568 294,568 294,568 294,568 294,568 294,568 294,568 294,568 294,568 294,568 294,5682012 Q2 250,185 424,494 442,689 442,689 442,689 444,529 445,437 445,437 445,437 445,437 445,437 445,437 445,437 445,437 445,437 445,437 445,437 445,4372012 Q3 353,948 709,823 727,186 726,267 726,267 726,267 726,267 726,267 726,267 726,356 726,356 726,356 726,356 726,356 726,356 726,356 726,3562012 Q4 550,394 1,050,356 1,088,211 1,092,810 1,094,868 1,094,868 1,094,868 1,094,868 1,094,868 1,095,699 1,095,699 1,095,699 1,095,699 1,095,699 1,095,699 1,095,6992013 Q1 896,686 1,614,105 1,638,903 1,640,067 1,645,164 1,646,204 1,648,142 1,648,142 1,649,667 1,649,972 1,649,972 1,650,108 1,650,108 1,650,108 1,650,1082013 Q2 934,720 1,634,750 1,664,834 1,691,278 1,691,829 1,691,829 1,692,487 1,694,084 1,694,504 1,694,504 1,694,504 1,694,504 1,694,504 1,694,5042013 Q3 930,297 1,855,657 1,887,662 1,890,451 1,890,451 1,890,451 1,891,826 1,891,826 1,891,826 1,891,826 1,891,826 1,891,826 1,891,8262013 Q4 1,499,068 3,089,050 3,143,751 3,153,162 3,161,134 3,165,184 3,165,184 3,165,184 3,170,829 3,171,236 3,171,236 3,171,2362014 Q1 2,130,510 3,702,710 3,768,527 3,784,666 3,793,109 3,796,832 3,799,962 3,800,636 3,804,623 3,804,623 3,804,6232014 Q2 1,858,999 3,360,659 3,460,807 3,475,097 3,482,964 3,489,224 3,485,927 3,485,927 3,486,477 3,486,4772014 Q3 2,055,143 3,725,736 3,881,417 3,902,128 3,908,439 3,913,840 3,917,181 3,917,515 3,917,5672014 Q4 2,837,606 5,421,624 5,605,026 5,628,717 5,635,373 5,634,755 5,634,755 5,635,9852015 Q1 3,974,635 7,371,939 7,538,562 7,550,921 7,582,985 7,590,710 7,599,7572015 Q2 3,407,129 6,865,297 6,994,769 7,027,076 7,047,522 7,051,4462015 Q3 3,861,388 7,766,593 7,981,449 8,014,562 8,028,1192015 Q4 4,869,949 9,096,161 9,298,752 9,332,0572016 Q1 5,168,506 8,942,980 9,114,8862016 Q2 4,151,745 8,811,9982016 Q3 4,642,414

Losses Selected SelectedAccident as of Age-Ult UltimateQuarter 2016 Q3 Factor Losses2010 Q4 0 N/A 02011 Q1 0 N/A 02011 Q2 0 N/A 02011 Q3 35,538 0.9791 34,7942011 Q4 197,510 1.0002 197,5512012 Q1 294,568 1.0002 294,6342012 Q2 445,437 1.0002 445,5442012 Q3 726,356 0.9985 725,2702012 Q4 1,095,699 0.9984 1,093,9732013 Q1 1,650,108 1.0004 1,650,6912013 Q2 1,694,504 1.0001 1,694,6272013 Q3 1,891,826 0.9999 1,891,5492013 Q4 3,171,236 1.0006 3,173,1002014 Q1 3,804,623 0.9988 3,800,0872014 Q2 3,486,477 0.9810 3,420,2562014 Q3 3,917,567 1.0007 3,920,1762014 Q4 5,635,985 1.0016 5,645,1172015 Q1 7,599,757 1.0018 7,613,2522015 Q2 7,051,446 1.0009 7,057,5392015 Q3 8,028,119 1.0040 8,060,0882015 Q4 9,332,057 1.0071 9,398,5972016 Q1 9,114,886 1.0116 9,221,0142016 Q2 8,811,998 1.0331 9,103,8292016 Q3 4,642,414 2.0945 9,723,409



Exhibit C-5

Page 29 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania CollisionFiscal Accident Years Ending with Quarter 3 of 2016 Incurred Losses, Gross of Subrogation & SalvageEvaluated as-of Quarter 3 of 2016



Exhibit C-5

Page 30 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania CollisionFiscal Accident Years Ending with Quarter 3 of 2016 Paid Subrogation & SalvageEvaluated as-of Quarter 3 of 2016

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242010 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q3 (4,329) (7,115) (16,926) (16,926) (16,926) (16,926) (16,926) (16,926) (16,926) (16,926) (16,926) (16,926) (16,926) (16,926) (16,926) (16,926) (16,926) (16,926) (16,926) (16,926) (16,926)2011 Q4 (3,921) (43,525) (54,212) (53,991) (53,991) (53,991) (53,991) (53,991) (53,991) (53,991) (53,991) (53,991) (53,991) (53,991) (53,991) (53,991) (53,991) (53,991) (53,991) (53,991)2012 Q1 (7,216) (33,602) (38,761) (45,383) (47,204) (47,204) (47,204) (47,178) (47,178) (47,178) (47,178) (47,178) (47,178) (47,178) (47,178) (47,178) (47,178) (47,178) (47,178)2012 Q2 (12,202) (56,232) (62,542) (63,126) (63,485) (63,485) (63,485) (63,485) (63,485) (63,485) (63,485) (63,485) (63,485) (63,485) (63,485) (63,485) (63,485) (63,485)2012 Q3 (9,871) (84,097) (111,660) (122,183) (122,183) (124,243) (124,997) (124,997) (124,997) (124,997) (124,997) (124,997) (124,997) (124,997) (124,997) (124,997) (124,997)2012 Q4 (28,944) (106,990) (129,318) (141,747) (146,178) (146,025) (146,295) (146,520) (146,655) (144,091) (147,331) (147,331) (147,331) (148,991) (148,991) (148,991)2013 Q1 (30,925) (208,442) (296,583) (327,085) (336,273) (336,273) (337,071) (337,071) (341,956) (347,213) (347,213) (349,977) (349,977) (349,977) (349,977)2013 Q2 (40,496) (307,647) (366,234) (372,973) (390,965) (397,044) (397,554) (397,554) (397,554) (397,554) (397,554) (397,554) (397,554) (397,554)2013 Q3 (59,839) (231,131) (263,221) (287,768) (289,356) (293,156) (293,768) (293,768) (293,768) (293,834) (294,065) (294,164) (294,164)2013 Q4 (84,475) (415,487) (534,336) (592,066) (631,033) (635,423) (636,513) (656,198) (655,745) (662,497) (662,574) (662,636)2014 Q1 (69,660) (439,719) (547,521) (559,344) (598,689) (598,538) (598,672) (598,442) (607,823) (611,130) (611,480)2014 Q2 (80,950) (399,306) (543,427) (588,368) (595,408) (597,757) (601,086) (601,260) (600,850) (600,920)2014 Q3 (89,876) (558,923) (739,741) (816,185) (829,000) (836,262) (858,455) (859,864) (859,264)2014 Q4 (100,468) (755,062) ######## ######## ######## ######## ######## ########2015 Q1 (99,379) (909,557) ######## ######## ######## ######## ########2015 Q2 (127,178) ######## ######## ######## ######## ########2015 Q3 (128,086) ######## ######## ######## ########2015 Q4 (180,534) ######## ######## ########2016 Q1 (179,452) ######## ########2016 Q2 (172,292) ########2016 Q3 (151,802)

Sub&Salv Selected SelectedAccident as of Age-Ult UltimateQuarter 2016 Q3 Factor Sub&Salv2010 Q4 0 N/A 02011 Q1 0 N/A 02011 Q2 0 N/A 02011 Q3 (16,926) 1.0025 (16,968)2011 Q4 (53,991) 1.0027 (54,137)2012 Q1 (47,178) 1.0031 (47,326)2012 Q2 (63,485) 1.0033 (63,695)2012 Q3 (124,997) 1.0037 (125,460)2012 Q4 (148,991) 1.0041 (149,601)2013 Q1 (349,977) 1.0044 (351,522)2013 Q2 (397,554) 1.0051 (399,567)2013 Q3 (294,164) 1.0060 (295,917)2013 Q4 (662,636) 1.0070 (667,291)2014 Q1 (611,480) 1.0083 (616,583)2014 Q2 (600,920) 1.0096 (606,666)2014 Q3 (859,264) 1.0115 (869,178)2014 Q4 (1,251,320) 1.0135 (1,268,232)2015 Q1 (1,497,387) 1.0163 (1,521,823)2015 Q2 (1,834,567) 1.0214 (1,873,788)2015 Q3 (1,952,199) 1.0303 (2,011,296)2015 Q4 (1,998,382) 1.0575 (2,113,262)2016 Q1 (1,657,340) 1.1284 (1,870,085)2016 Q2 (1,467,000) 1.4678 (2,153,273)2016 Q3 (151,802) 14.8808 (2,258,947)



Exhibit C-5

Page 31 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania CollisionFiscal Accident Years Ending with Quarter 3 of 2016 Paid Subrogation & SalvageEvaluated as-of Quarter 3 of 2016



Exhibit C-5

Page 32 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania CollisionFiscal Accident Years Ending with Quarter 3 of 2016 Paid Defense and Cost Containment ExpensesEvaluated as-of Quarter 3 of 2016


2010 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02012 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02012 Q2 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 52012 Q3 0 65 65 0 0 0 0 0 0 0 0 0 0 0 0 0 02012 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02013 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02013 Q2 0 0 0 0 0 0 0 0 0 0 0 0 0 02013 Q3 0 158 158 158 158 158 158 158 158 158 158 158 1582013 Q4 0 245 1,041 1,041 1,041 1,041 1,041 1,041 1,041 1,041 1,041 1,0412014 Q1 225 225 225 225 225 225 225 225 225 81 812014 Q2 65 805 805 805 805 805 805 805 805 8052014 Q3 0 130 130 130 130 130 130 130 1302014 Q4 2,228 4,813 5,143 5,143 5,143 5,332 5,332 5,3322015 Q1 4,524 9,246 9,376 9,376 9,376 9,376 9,3762015 Q2 3,858 9,261 9,326 9,326 9,326 9,3262015 Q3 8,322 11,428 11,739 11,739 11,7392015 Q4 7,285 12,499 12,825 12,8252016 Q1 4,132 4,381 4,5712016 Q2 109 2,6832016 Q3 622

Losses Selected SelectedAccident as of Age-Ult UltimateQuarter 2016 Q3 Factor Losses2010 Q4 0 N/A 02011 Q1 0 N/A 02011 Q2 0 N/A 02011 Q3 0 N/A 02011 Q4 0 N/A 02012 Q1 0 N/A 02012 Q2 0 N/A 02012 Q3 0 N/A 02012 Q4 0 N/A 02013 Q1 0 N/A 02013 Q2 0 N/A 02013 Q3 158 1.3937 2212013 Q4 1,041 1.6517 1,7202014 Q1 81 1.5184 1242014 Q2 805 1.9168 1,5432014 Q3 130 3.9947 5192014 Q4 5,332 2.6495 14,1272015 Q1 9,376 2.0204 18,9432015 Q2 9,326 1.6979 15,8342015 Q3 11,739 2.3044 27,0502015 Q4 12,825 2.2302 28,6022016 Q1 4,571 3.4005 15,5452016 Q2 2,683 4.3598 11,6962016 Q3 622 9.5309 5,926


Exhibit C-5

Page 33 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania CollisionFiscal Accident Years Ending with Quarter 3 of 2016 Paid Defense and Cost Containment ExpensesEvaluated as-of Quarter 3 of 2016


2010 Q42011 Q12011 Q22011 Q32011 Q42012 Q12012 Q2 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q3 1.0000 0.00002012 Q42013 Q12013 Q22013 Q3 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002013 Q4 4.2504 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.3621 1.00002014 Q2 12.3846 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q3 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q4 2.1598 1.0686 1.0000 1.0000 1.0368 1.0000 1.00002015 Q1 2.0436 1.0141 1.0000 1.0000 1.0000 1.00002015 Q2 2.4006 1.0070 1.0000 1.0000 1.00002015 Q3 1.3733 1.0272 1.0000 1.00002015 Q4 1.7158 1.0261 1.00002016 Q1 1.0603 1.04342016 Q2 24.6119

Exhibit C-6

Page 34 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania No FaultFiscal Accident Years Ending with Quarter 3 of 2016 Incurred Losses, Gross of Subrogation & SalvageEvaluated as-of Quarter 3 of 2016

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242010 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q3 3,000 13,150 10,984 9,714 9,733 9,814 9,814 9,814 9,814 9,814 9,814 9,814 9,814 9,814 9,814 9,814 9,814 9,814 9,814 9,814 9,8142011 Q4 30,714 35,587 76,899 80,618 79,784 79,311 79,189 79,189 79,066 79,065 79,065 79,065 80,922 80,922 80,800 80,800 80,800 80,800 80,800 80,8002012 Q1 56,720 70,752 44,254 46,135 43,550 43,300 43,300 43,300 43,300 43,394 43,394 43,394 43,394 43,394 44,033 44,033 44,033 44,033 44,0332012 Q2 137,952 226,549 188,700 167,984 181,836 170,342 170,553 173,083 182,176 187,334 182,982 183,952 183,952 184,177 184,625 184,625 184,625 184,6252012 Q3 214,089 234,277 287,241 280,775 292,127 292,820 290,664 293,850 293,851 293,962 293,962 284,071 284,671 289,071 289,071 284,071 284,0712012 Q4 202,920 442,566 423,717 453,365 462,403 502,131 530,851 578,905 589,047 641,437 653,876 679,899 704,280 704,135 703,766 757,1802013 Q1 264,575 362,968 336,650 346,730 343,977 344,178 345,546 345,151 346,400 346,218 346,218 346,718 346,785 347,451 347,4512013 Q2 294,489 405,180 387,892 396,819 412,632 425,127 419,517 443,794 553,242 637,884 674,222 677,194 691,936 691,9362013 Q3 318,808 446,347 434,293 449,547 449,135 450,624 462,552 464,417 465,618 495,020 496,096 471,254 471,2542013 Q4 503,080 749,507 790,206 756,289 788,437 788,822 786,782 789,185 800,581 793,738 795,226 793,9432014 Q1 373,940 567,682 548,776 574,670 592,705 603,170 599,494 610,760 611,022 618,539 615,7652014 Q2 457,699 655,757 742,924 765,106 781,752 803,334 804,920 809,867 816,088 819,3342014 Q3 594,829 995,898 1,014,137 1,037,739 1,041,367 1,038,447 1,021,656 1,028,124 1,048,0612014 Q4 844,362 1,187,669 1,238,793 1,273,425 1,243,833 1,237,886 1,248,786 1,251,3172015 Q1 870,698 1,844,425 1,861,744 1,768,907 1,788,013 1,770,452 1,771,0502015 Q2 1,035,294 2,030,999 1,912,661 1,830,187 1,811,701 1,811,1802015 Q3 1,701,454 2,333,116 2,125,681 2,081,555 2,046,9292015 Q4 1,507,861 2,203,956 2,080,886 2,039,3732016 Q1 1,471,002 2,108,406 1,951,7432016 Q2 1,534,342 2,301,1692016 Q3 1,629,207

Losses Selected SelectedAccident as of Age-Ult UltimateQuarter 2016 Q3 Factor Losses2010 Q4 0 N/A 02011 Q1 0 N/A 02011 Q2 0 N/A 02011 Q3 9,814 1.0003 9,8172011 Q4 80,800 1.0003 80,8262012 Q1 44,033 1.0004 44,0512012 Q2 184,625 1.0007 184,7552012 Q3 284,071 1.0009 284,3202012 Q4 757,180 1.0011 758,0012013 Q1 347,451 1.0010 347,7832013 Q2 691,936 1.0014 692,8872013 Q3 471,254 1.0023 472,3382013 Q4 793,943 1.0031 796,4042014 Q1 615,765 1.0037 618,0582014 Q2 819,334 1.0053 823,7172014 Q3 1,048,061 1.0066 1,055,0082014 Q4 1,251,317 1.0134 1,268,1152015 Q1 1,771,050 1.0192 1,805,1112015 Q2 1,811,180 1.0254 1,857,1092015 Q3 2,046,929 1.0260 2,100,1272015 Q4 2,039,373 1.0429 2,126,9472016 Q1 1,951,743 1.0758 2,099,7162016 Q2 2,301,169 1.1052 2,543,3582016 Q3 1,629,207 1.7924 2,920,220



Exhibit C-6

Page 35 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania No FaultFiscal Accident Years Ending with Quarter 3 of 2016 Incurred Losses, Gross of Subrogation & SalvageEvaluated as-of Quarter 3 of 2016



Exhibit C-6

Page 36 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania No FaultFiscal Accident Years Ending with Quarter 3 of 2016 Paid Subrogation & SalvageEvaluated as-of Quarter 3 of 2016

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242010 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02012 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02012 Q2 0 62 62 (2,053) (2,053) (2,053) (2,053) (2,053) (2,053) (2,053) (2,053) (2,053) (2,053) (2,053) (2,053) (2,053) (2,053) (2,053)2012 Q3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02012 Q4 0 0 0 0 (637) (637) (816) (816) (816) (816) (816) (816) (816) (816) (816) (816)2013 Q1 0 0 0 0 0 0 0 0 (0) (0) (0) (0) (0) (0) (0)2013 Q2 0 0 (2,034) (2,034) (2,034) (2,034) (2,034) (2,034) (2,034) (2,034) (2,034) (2,034) (2,034) (2,034)2013 Q3 0 445 445 445 445 445 445 445 445 445 445 445 4452013 Q4 0 0 0 (432) (761) (761) (761) (761) (761) (761) (761) (761)2014 Q1 0 0 0 0 0 0 0 0 0 0 02014 Q2 0 0 (4,300) (4,300) (4,300) (4,300) (4,300) (4,300) (4,300) (4,300)2014 Q3 0 (150) (329) (1,630) (1,879) (1,879) (1,879) (1,879) (1,879)2014 Q4 0 0 0 (2,300) (2,300) (2,300) (2,300) (2,602)2015 Q1 0 0 0 (3,361) (3,361) (3,361) (3,361)2015 Q2 0 0 (1,166) (1,803) (1,840) (1,840)2015 Q3 0 0 (5,176) (6,272) (6,856)2015 Q4 0 (4,600) (5,094) (6,014)2016 Q1 0 (210) (210)2016 Q2 0 (8,135)2016 Q3 0

Sub&Salv Selected SelectedAccident as of Age-Ult UltimateQuarter 2016 Q3 Factor Sub&Salv2010 Q4 0 N/A 02011 Q1 0 N/A 02011 Q2 0 N/A 02011 Q3 0 N/A 02011 Q4 0 N/A 02012 Q1 0 N/A 02012 Q2 (2,053) 1.0151 (2,084)2012 Q3 0 N/A 02012 Q4 (816) 1.0265 (837)2013 Q1 (0) 0.0011 (0)2013 Q2 (2,034) 1.0477 (2,131)2013 Q3 445 1.0692 4752013 Q4 (761) 1.1099 (845)2014 Q1 0 N/A 02014 Q2 (4,300) 1.1847 (5,094)2014 Q3 (1,879) 1.7492 (3,286)2014 Q4 (2,602) 4.2184 (10,975)2015 Q1 (3,361) 6.7981 (22,850)2015 Q2 (1,840) 11.1135 (20,448)2015 Q3 (6,856) 11.5375 (79,103)2015 Q4 (6,014) 13.2125 (79,454)2016 Q1 (210) 426.9350 (89,644)2016 Q2 (8,135) 20.7019 (168,401)2016 Q3 0 N/A (172,987)



Exhibit C-6

Page 37 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania No FaultFiscal Accident Years Ending with Quarter 3 of 2016 Paid Subrogation & SalvageEvaluated as-of Quarter 3 of 2016

AccidentQuarter 1 - 2 2 - 3 3 - 4 4 - 5 5 - 6 6 - 7 7 - 8 8 - 9 9 - 10 10 - 11 11 - 12 12 - 13 13 - 14 14 - 15 15 - 16 16 - 17 17 - 18 18 - 19 19 - 20 20 - 21 21 - 22 22 - 23 23 - 24 24 - 252010 Q42011 Q12011 Q22011 Q32011 Q42012 Q12012 Q2 1.0000 -33.0032 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q32012 Q4 1.0000 1.2812 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002013 Q1 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002013 Q2 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002013 Q3 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002013 Q4 1.7642 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q12014 Q2 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q3 2.1883 4.9526 1.1525 1.0000 1.0000 1.0000 1.00002014 Q4 1.0000 1.0000 1.0000 1.13122015 Q1 1.0000 1.0000 1.00002015 Q2 1.5467 1.0203 1.00002015 Q3 1.2118 1.09312015 Q4 1.1073 1.18062016 Q1 1.00002016 Q2


Exhibit C-6

Page 38 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania No FaultFiscal Accident Years Ending with Quarter 3 of 2016 Paid Defense and Cost Containment ExpensesEvaluated as-of Quarter 3 of 2016


2010 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02011 Q4 0 1,657 5,996 7,360 12,416 12,678 12,598 12,586 12,586 13,174 13,174 13,174 13,407 13,407 13,407 13,407 13,407 13,407 13,407 13,4072012 Q1 0 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 22012 Q2 0 25 1,071 2,461 2,569 3,559 3,559 3,624 4,319 4,319 4,319 4,319 4,319 4,319 4,319 4,319 4,319 4,3192012 Q3 1 1,258 1,258 4,056 4,056 4,851 7,141 7,141 9,335 9,335 9,381 10,804 10,979 13,214 15,416 17,336 17,3612012 Q4 0 41 1,031 2,421 4,906 5,601 6,939 8,329 10,659 14,465 14,762 16,760 21,576 23,958 23,958 26,0392013 Q1 0 3,344 13,798 17,343 18,535 18,945 18,945 18,945 18,945 18,945 18,945 18,945 18,945 21,096 21,1162013 Q2 0 0 4,860 15,502 17,987 17,987 24,361 36,984 48,488 55,616 65,216 65,235 65,235 65,2352013 Q3 0 1,702 5,567 37,670 37,670 39,789 40,577 40,857 41,716 41,836 41,916 41,956 41,9562013 Q4 0 9 2,624 5,004 8,224 10,564 11,769 13,899 15,109 17,249 17,789 18,5712014 Q1 0 150 153 2,563 6,677 8,331 8,692 10,632 12,754 12,814 13,3462014 Q2 0 307 307 1,602 2,097 2,097 3,097 3,097 3,097 3,0972014 Q3 56 2,098 7,907 14,269 18,379 25,491 26,875 33,781 40,3682014 Q4 0 87 2,380 5,320 7,305 10,327 11,606 16,1212015 Q1 740 3,574 13,629 23,523 27,409 31,501 34,1322015 Q2 0 1,104 17,549 35,023 68,832 88,4012015 Q3 10 3,589 9,857 18,413 28,0312015 Q4 0 2,247 16,505 34,2592016 Q1 93 9,180 22,0212016 Q2 6 7,2132016 Q3 0

Losses Selected SelectedAccident as of Age-Ult UltimateQuarter 2016 Q3 Factor Losses2010 Q4 0 N/A 02011 Q1 0 N/A 02011 Q2 0 N/A 02011 Q3 0 N/A 02011 Q4 13,407 1.0066 13,4962012 Q1 2 1.0076 22012 Q2 4,319 1.0093 4,3592012 Q3 17,361 1.0107 17,5482012 Q4 26,039 1.0145 26,4162013 Q1 21,116 1.0193 21,5242013 Q2 65,235 1.0276 67,0352013 Q3 41,956 1.0354 43,4432013 Q4 18,571 1.0442 19,3912014 Q1 13,346 1.0534 14,0582014 Q2 3,097 1.0672 3,3052014 Q3 40,368 1.0876 43,9032014 Q4 16,121 1.2923 20,8332015 Q1 34,132 1.4142 48,2702015 Q2 88,401 1.5167 134,0802015 Q3 28,031 2.0933 58,6772015 Q4 34,259 2.3496 80,4942016 Q1 22,021 4.5949 101,1872016 Q2 7,213 17.3973 125,4862016 Q3 0 N/A 123,169


Exhibit C-6

Page 39 of 83

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania No FaultFiscal Accident Years Ending with Quarter 3 of 2016 Paid Defense and Cost Containment ExpensesEvaluated as-of Quarter 3 of 2016


2010 Q42011 Q12011 Q22011 Q32011 Q4 3.6185 1.2274 1.6870 1.0211 0.9937 0.9990 1.0000 1.0467 1.0000 1.0000 1.0177 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q1 1.0583 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q2 42.6915 2.2977 1.0440 1.3853 1.0000 1.0181 1.1918 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002012 Q3 861.9589 1.0000 3.2228 1.0000 1.1960 1.4721 1.0000 1.3073 1.0000 1.0050 1.1517 1.0162 1.2036 1.1666 1.1245 1.00142012 Q4 25.0544 2.3476 2.0262 1.1416 1.2388 1.2003 1.2797 1.3570 1.0206 1.1354 1.2873 1.1104 1.0000 1.08692013 Q1 4.1260 1.2569 1.0687 1.0221 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.1135 1.00092013 Q2 3.1897 1.1603 1.0000 1.3543 1.5182 1.3111 1.1470 1.1726 1.0003 1.0000 1.00002013 Q3 3.2709 6.7666 1.0000 1.0563 1.0198 1.0069 1.0210 1.0029 1.0019 1.0010 1.00002013 Q4 300.5418 1.9071 1.6435 1.2845 1.1141 1.1810 1.0871 1.1416 1.0313 1.04402014 Q1 1.0228 16.7085 2.6047 1.2477 1.0433 1.2232 1.1996 1.0047 1.04152014 Q2 1.0000 5.2182 1.3090 1.0000 1.4767 1.0000 1.0000 1.00002014 Q3 37.4643 3.7688 1.8046 1.2881 1.3869 1.0543 1.2570 1.19502014 Q4 27.5039 2.2348 1.3731 1.4137 1.1239 1.38902015 Q1 4.8300 3.8132 1.7259 1.1652 1.1493 1.08352015 Q2 15.8971 1.9957 1.9653 1.28432015 Q3 358.8580 2.7468 1.8679 1.52242015 Q4 7.3468 2.07572016 Q1 98.7096 2.39892016 Q2 1216.3457

Exhibit D

Page 40 of 83

Company Name: Mid-Century Insurance Company

State Name: Pennsylvania

Experience Through: Quarter 3, 2016

Historical FutureSelected Statewide Complement Credibility- Statewide Complement Credibility-

Coverage Credibility Selected Loss Trend Trend Weighted Trend Selected Loss Trend Trend Weighted Trend

Bodily Injury (BI) 0.5432 0.6% 1.7% 1.1% 0.6% 1.7% 1.1%Property Damage (PD) 0.5000 -2.1% 6.9% 2.3% -2.5% 6.9% 2.1%Uninsured Motorist - BI 0.2225 -3.8% 10.9% 7.4% -3.8% 10.9% 7.4%Comprehensive 0.6952 -0.3% 5.6% 1.5% -0.3% 5.6% 1.5%Collision 1.0000 1.8% n/a 1.8% 1.8% n/a 1.8%No-Fault (NF) 0.5000 6.5% 3.9% 5.2% 6.5% 3.9% 5.2%

Credibility-Weighted Loss Trends

Exhibit E-1

Page 41 of 83

Mid-Century Insurance Company Pennsylvania

Coverage: Bodily Injury Liability Accident Quarter Data Developed to Ultimate

Loss Trend

Deseasonalized Deseasonalized DeseasonalizedAccident Ultimate Ultimate Ultimate Ultimate Ultimate Ultimate

Year Quarter Frequency* Frequency** Exc*** Severity Severity** Exc*** Pure Prem Pure Prem** Exc***2011 2 0.000 0.000 X $0 $0 X $0 $0 X2011 3 3.025 3.096 X $9,203 $8,059 X $278 $230 X2011 4 1.431 1.519 X $20,131 $20,060 X $288 $305 X2012 1 1.467 1.390 X $6,841 $7,359 X $100 $107 X2012 2 2.572 2.549 X $6,900 $7,683 X $177 $202 X2012 3 1.670 1.710 X $12,500 $10,947 $209 $1732012 4 1.170 1.242 X $12,490 $12,446 $146 $1552013 1 1.151 1.090 $11,365 $12,225 $131 $1402013 2 0.946 0.937 $11,261 $12,539 $107 $1212013 3 0.965 0.988 $14,755 $12,922 $142 $1182013 4 0.898 0.953 $11,003 $10,964 $99 $1052014 1 1.273 1.205 X $13,192 $14,190 X $168 $179 X2014 2 1.317 1.305 X $13,173 $14,668 X $173 $198 X2014 3 1.307 1.338 X $12,067 $10,568 X $158 $130 X2014 4 1.023 1.086 X $12,210 $12,167 X $125 $132 X2015 1 0.912 0.864 $10,969 $11,799 $100 $1072015 2 0.851 0.843 $8,667 $9,650 $74 $842015 3 0.890 0.911 $13,849 $12,129 $123 $1022015 4 0.895 0.950 $11,291 $11,251 $101 $1072016 1 0.970 0.919 $9,254 $9,954 $90 $962016 2 1.092 1.082 $10,356 $11,530 $113 $1292016 3 0.918 0.940 $11,060 $9,686 $102 $84

* Average claim frequency per 100 policies. ** Adjusted to remove effects of seasonality*** Data points excluded

Exponential regression on deseasonalized data

Frequency Severity Pure Premium

Historical Selection 7.1% -6.0% 0.6%Future Selection 7.1% -6.0% 0.6%

Exhibit E-1

Page 42 of 83


Coverage: Property Damage Liability Accident Quarter Data Developed to Ultimate

Loss Trend


Year Quarter Frequency* Frequency** Exc*** Severity Severity** Exc*** Pure Prem Pure Prem** Exc***2011 2 26.001 25.678 X $1,850 $1,978 X $481 $504 X2011 3 10.101 10.544 X $2,030 $1,929 X $205 $206 X2011 4 3.108 2.994 X $2,094 $2,071 X $65 $62 X2012 1 6.337 6.255 X $2,041 $2,031 X $129 $127 X2012 2 6.480 6.399 X $3,191 $3,412 X $207 $217 X2012 3 5.348 5.583 $3,221 $3,062 $172 $1732012 4 6.199 5.971 X $3,051 $3,018 $189 $179 X2013 1 5.386 5.316 $3,058 $3,043 $165 $1622013 2 5.850 5.777 $2,661 $2,845 $156 $1632013 3 5.130 5.354 $3,201 $3,042 $164 $1652013 4 5.831 5.617 $3,339 $3,302 $195 $1842014 1 5.482 5.410 $3,199 $3,183 $175 $172 X2014 2 5.110 5.046 $3,130 $3,347 $160 $1682014 3 4.920 5.136 $3,064 $2,912 X $151 $1522014 4 5.182 4.991 $3,210 $3,175 $166 $1572015 1 5.389 5.319 $3,404 $3,387 $183 $1802015 2 5.068 5.005 $3,171 $3,391 $161 $1682015 3 4.648 4.852 $3,687 $3,504 $171 $1732015 4 4.814 4.637 $3,441 $3,403 $166 $1572016 1 4.608 4.548 $3,452 $3,435 $159 $1562016 2 4.570 4.513 $3,417 $3,653 $156 $1642016 3 4.596 4.798 $3,634 $3,453 $167 $168




Historical Selection -6.6% 4.8% -2.1%Future Selection -5.0% 2.6% -2.5%

Exhibit E-1

Page 43 of 83


Coverage: Uninsured Motorist Bodily Injury Accident Quarter Data Developed to Ultimate

Loss Trend


Year Quarter Frequency* Frequency** Exc*** Severity Severity** Exc*** Pure Prem Pure Prem** Exc***2011 2 0.000 0.000 X $0 $0 X $0 $0 X2011 3 0.000 0.000 X $0 $0 X $0 $0 X2011 4 0.000 0.000 X $0 $0 X $0 $0 X2012 1 0.476 0.464 X $28,236 $37,973 X $134 $190 X2012 2 0.328 0.340 X $12,659 $13,088 X $42 $34 X2012 3 0.084 0.084 X $8,909 $7,314 X $7 $7 X2012 4 0.361 0.350 X $19,003 $17,581 X $69 $69 X2013 1 0.186 0.181 X $27,358 $36,793 X $51 $72 X2013 2 0.160 0.166 $7,460 $7,713 $12 $10 X2013 3 0.133 0.133 $17,902 $14,697 $24 $212013 4 0.278 0.269 $16,259 $15,043 $45 $462014 1 0.278 0.271 $19,157 $25,763 $53 $752014 2 0.255 0.265 $24,787 $25,627 $63 $522014 3 0.247 0.249 $31,027 $25,473 $77 $682014 4 0.170 0.164 $33,154 $30,675 $56 $572015 1 0.180 0.175 $12,441 $16,731 $22 $322015 2 0.207 0.214 $25,875 $26,752 $53 $442015 3 0.249 0.251 $27,571 $22,636 $69 $612015 4 0.252 0.244 $13,251 $12,260 $33 $342016 1 0.255 0.248 $9,837 $13,229 $25 $352016 2 0.245 0.254 $18,439 $19,064 $45 $372016 3 0.321 0.323 $14,641 $12,020 $47 $42




Historical Selection -3.8%Future Selection -3.8%

Exhibit E-1

Page 44 of 83


Coverage: Comprehensive Accident Quarter Data Developed to Ultimate

Loss Trend


Year Quarter Frequency* Frequency** Exc*** Severity Severity** Exc*** Pure Prem Pure Prem** Exc***2011 2 0.000 0.000 X $0 $0 X $0 $0 X2011 3 7.494 7.853 X $1,591 $1,619 X $119 $132 X2011 4 6.759 6.381 X $2,559 $1,849 X $173 $117 X2012 1 6.019 6.119 X $1,640 $2,058 X $99 $125 X2012 2 6.193 6.063 X $773 $833 X $48 $50 X2012 3 5.926 6.209 X $1,912 $1,946 X $113 $125 X2012 4 5.765 5.443 X $1,930 $1,395 X $111 $75 X2013 1 4.953 5.036 X $1,466 $1,839 X $73 $92 X2013 2 4.821 4.719 X $1,450 $1,563 X $70 $74 X2013 3 4.370 4.579 $1,511 $1,538 $66 $732013 4 4.667 4.406 $2,068 $1,494 $97 $652014 1 5.154 5.240 $1,101 $1,381 $57 $722014 2 4.651 4.553 $1,406 $1,515 $65 $692014 3 4.623 4.844 $1,644 $1,673 $76 $84 X2014 4 5.376 5.075 $2,142 $1,548 $115 $782015 1 4.338 4.410 $1,276 $1,600 $55 $702015 2 4.773 4.673 $1,429 $1,540 $68 $722015 3 4.329 4.536 $1,500 $1,527 $65 $722015 4 4.696 4.433 $2,227 $1,609 $105 $712016 1 4.129 4.198 $1,372 $1,722 $57 $722016 2 4.558 4.462 $1,547 $1,667 $70 $742016 3 4.228 4.430 $1,485 $1,511 $63 $69




Historical Selection -3.7% 3.5% -0.3%Future Selection -3.7% 3.5% -0.3%

Exhibit E-1

Page 45 of 83


Coverage: Collision Accident Quarter Data Developed to Ultimate

Loss Trend


Year Quarter Frequency* Frequency** Exc*** Severity Severity** Exc*** Pure Prem Pure Prem** Exc***2011 2 0.000 0.000 X $0 $0 X $0 $0 X2011 3 8.983 9.546 X $2,546 $2,605 X $229 $253 X2011 4 9.135 8.830 X $4,780 $4,478 X $437 $404 X2012 1 8.820 8.112 X $4,191 $4,161 X $370 $324 X2012 2 8.403 8.573 X $3,706 $3,950 X $311 $345 X2012 3 7.842 8.334 X $3,971 $4,062 X $311 $345 X2012 4 8.062 7.793 $4,291 $4,020 $346 $3202013 1 9.111 8.379 $3,959 $3,931 $361 $3162013 2 7.851 8.010 $3,508 $3,739 $275 $3052013 3 7.239 7.693 $3,806 $3,893 $275 $3052013 4 9.111 8.806 $3,987 $3,735 $363 $3362014 1 10.485 9.643 X $3,836 $3,809 $402 $3522014 2 7.466 7.617 X $3,958 $4,219 X $295 $327 X2014 3 7.310 7.769 $3,652 $3,736 $267 $2962014 4 7.921 7.656 $4,055 $3,798 $321 $2972015 1 9.958 9.158 X $3,918 $3,891 X $390 $341 X2015 2 7.895 8.055 $3,623 $3,861 $286 $3172015 3 7.603 8.080 $3,898 $3,987 $296 $3282015 4 7.885 7.621 $4,194 $3,929 $331 $3062016 1 8.153 7.498 $3,901 $3,874 $318 $2782016 2 7.431 7.582 $3,816 $4,068 $284 $3142016 3 7.475 7.944 $3,858 $3,946 $288 $319




Historical Selection -0.8% 2.6% 1.8%Future Selection -0.8% 2.6% 1.8%

Exhibit E-1

Page 46 of 83


Coverage: Medical/No Fault Accident Quarter Data Developed to Ultimate

Loss Trend


Year Quarter Frequency* Frequency** Exc*** Severity Severity** Exc*** Pure Prem Pure Prem** Exc***2011 2 0.000 0.000 X $0 $0 X $0 $0 X2011 3 5.052 4.944 X $1,963 $1,952 X $99 $96 X2011 4 3.348 3.249 X $5,771 $5,768 X $193 $193 X2012 1 2.830 2.965 X $1,761 $1,869 X $50 $55 X2012 2 3.722 3.788 X $2,945 $2,853 X $110 $108 X2012 3 3.134 3.067 X $3,466 $3,446 X $109 $105 X2012 4 2.881 2.796 X $7,207 $7,203 X $208 $208 X2013 1 2.304 2.413 X $3,188 $3,384 X $73 $81 X2013 2 2.691 2.740 X $4,158 $4,028 X $112 $110 X2013 3 2.454 2.402 $2,539 $2,525 $62 $602013 4 2.952 2.864 X $2,985 $2,984 $88 $88 X2014 1 2.342 2.453 $2,557 $2,714 $60 $662014 2 2.140 2.178 $3,077 $2,982 $66 $652014 3 2.266 2.217 $3,123 $3,106 $71 $682014 4 2.395 2.325 $2,979 $2,977 $71 $712015 1 2.575 2.697 X $3,446 $3,657 X $89 $98 X2015 2 2.422 2.466 $3,271 $3,169 $79 $782015 3 2.342 2.292 $3,325 $3,307 $78 $752015 4 2.353 2.283 $3,117 $3,115 $73 $732016 1 2.078 2.176 $3,315 $3,518 $69 $762016 2 2.237 2.277 $3,437 $3,330 $77 $752016 3 2.385 2.335 $3,537 $3,517 $84 $81




Historical Selection -2.3% 9.0% 6.5%Future Selection -2.3% 9.0% 6.5%

Exhibit E-2

Page 47 of 83

FastTrack Data Pennsylvania

Coverage: Bodily Injury Liability Calendar Quarter Data

Loss Trend Exhibit


Year Quarter Frequency* Frequency** Exc*** Severity Severity** Exc*** Pure Prem Pure Prem** Exc***2010 42011 12011 22011 3 1.122 1.123 $9,264 $8,983 $119 $1202011 4 1.230 1.145 $9,521 $9,306 $134 $1222012 1 1.104 1.140 $8,711 $9,056 $116 $1212012 2 1.110 1.137 $9,286 $9,381 $118 $1212012 3 1.081 1.081 $9,632 $9,340 $119 $1212012 4 1.139 1.060 $9,900 $9,676 $135 $1222013 1 1.035 1.069 $9,016 $9,373 $116 $1212013 2 1.101 1.128 $9,754 $9,854 $120 $1232013 3 1.140 1.140 $10,223 $9,913 $121 $1232013 4 1.189 1.107 $10,089 $9,861 $131 $1192014 1 1.046 1.080 $10,035 $10,433 $119 $1232014 2 1.058 1.083 $10,239 $10,345 $120 $1232014 3 1.108 1.108 $10,797 $10,469 $122 $1242014 4 1.162 1.082 X $12,042 $11,770 X $153 $139 X2015 1 1.072 1.107 $10,579 $10,998 $123 $1292015 2 1.063 1.089 $10,477 $10,585 $125 $1282015 3 1.100 1.101 $11,010 $10,676 $127 $1282015 4 1.215 1.132 $10,868 $10,623 $142 $1292016 1 1.122 1.159 $10,132 $10,534 $121 $1262016 2 1.090 1.117 $10,539 $10,648 $123 $1262016 3




Historical Selection 1.9% -0.2% 1.7%Future Selection 1.9% -0.2% 1.7%

Exhibit E-2

Page 48 of 83


Coverage: Property Damage Liability Calendar Quarter Data

Loss Trend Exhibit


Year Quarter Frequency* Frequency** Exc*** Severity Severity** Exc*** Pure Prem Pure Prem** Exc***2010 42011 12011 22011 3 5.551 5.656 $2,569 $2,586 $145 $1482011 4 6.179 6.123 $2,552 $2,539 $160 $1582012 1 6.064 5.834 $2,685 $2,645 $165 $1572012 2 5.564 5.728 $2,549 $2,583 $144 $1502012 3 5.749 5.858 $2,557 $2,574 $149 $1532012 4 5.734 5.682 $2,652 $2,639 $154 $1522013 1 5.960 5.734 $2,715 $2,674 $164 $1562013 2 5.721 5.890 $2,639 $2,675 $153 $1602013 3 5.820 5.930 $2,681 $2,699 $158 $1622013 4 5.841 5.788 $2,748 $2,735 $163 $1612014 1 6.166 5.932 $2,728 $2,687 $171 $1622014 2 5.707 5.875 $2,736 $2,773 $158 $1652014 3 5.676 5.783 $2,793 $2,811 $161 $1652014 4 5.769 5.717 $2,829 $2,815 $166 $1632015 1 6.044 5.814 $2,911 $2,867 $178 $1692015 2 5.847 6.020 $2,892 $2,931 $172 $1792015 3 5.838 5.948 $2,956 $2,976 $175 $1802015 4 5.933 5.879 $3,082 $3,067 $185 $1832016 1 6.107 5.875 $3,104 $3,057 $192 $1822016 2 5.526 5.689 $3,080 $3,122 $173 $1802016 3




Historical Selection 0.2% 6.7% 6.9%Future Selection 0.2% 6.7% 6.9%

Exhibit E-2

Page 49 of 83


Coverage: Comprehensive Calendar Quarter Data

Loss Trend Exhibit






Historical Selection 5.6%Future Selection 5.6%

Exhibit E-2

Page 50 of 83


Coverage: Collision Calendar Quarter Data

Loss Trend Exhibit


Year Quarter Frequency* Frequency** Exc*** Severity Severity** Exc*** Pure Prem Pure Prem** Exc***2010 42011 12011 22011 3 6.591 6.765 $3,157 $3,228 $237 $2562011 4 7.342 7.269 $3,340 $3,228 $279 $2752012 1 7.341 6.779 $3,367 $3,136 $281 $2362012 2 6.557 6.767 $3,061 $3,233 $229 $2572012 3 6.698 6.876 $3,150 $3,221 $240 $2592012 4 6.832 6.764 $3,333 $3,222 $259 $2552013 1 7.782 7.187 $3,617 $3,369 $321 $2692013 2 6.755 6.972 $3,153 $3,329 $242 $2722013 3 6.917 7.100 $3,193 $3,264 $251 $2712013 4 7.223 7.151 $3,398 $3,285 $280 $2752014 1 8.848 8.171 X $3,580 $3,335 X $361 $3032014 2 6.962 7.186 $3,037 $3,207 $241 $2702014 3 6.941 7.124 $3,358 $3,433 $265 $2862014 4 7.191 7.120 $3,544 $3,426 $290 $2862015 1 8.590 7.933 X $3,869 $3,603 X $378 $3182015 2 7.365 7.602 $3,278 $3,461 $275 $3092015 3 7.234 7.425 $3,402 $3,478 $280 $3022015 4 7.171 7.100 $3,704 $3,581 $302 $2982016 1 7.856 7.255 $3,780 $3,520 $338 $2842016 2 6.919 7.142 $3,555 $3,753 $280 $3142016 3





Exhibit E-2

Page 51 of 83

FastTrack DataPennsylvania

Coverage: No FaultCalendar Quarter Data

Loss Trend Exhibit







Exhibit F

Page 52 of 83

DeseasonalizedMonthly Monthly Average

Obs Cal Month/Yr Premium at Current Earned Pols Rate1 Oct 2013 757,574 2,830 268.592 Nov 2013 775,899 2,905 267.443 Dec 2013 834,733 3,150 264.914 Jan 2014 866,421 3,295 262.375 Feb 2014 823,592 3,147 260.376 Mar 2014 965,253 3,705 259.207 Apr 2014 986,369 3,818 257.548 May 2014 1,071,940 4,181 256.019 Jun 2014 1,093,491 4,294 254.76

10 Jul 2014 1,186,329 4,691 253.4711 Aug 2014 1,245,202 4,972 251.6812 Sep 2014 1,267,060 5,085 250.4213 Oct 2014 1,383,251 5,574 248.9714 Nov 2014 1,414,673 5,707 248.2215 Dec 2014 1,535,331 6,218 246.8116 Jan 2015 1,608,567 6,544 245.2417 Feb 2015 1,527,029 6,225 244.0718 Mar 2015 1,764,353 7,219 243.1819 Apr 2015 1,774,062 7,312 241.8620 May 2015 1,893,592 7,870 240.2821 Jun 2015 1,884,262 7,889 238.9722 Jul 2015 1,998,275 8,443 237.2123 Aug 2015 2,043,930 8,723 235.5024 Sep 2015 2,012,461 8,666 233.4525 Oct 2015 2,111,370 9,166 231.2426 Nov 2015 2,071,685 9,068 229.0427 Dec 2015 2,167,256 9,550 227.1928 Jan 2016 2,195,865 9,708 226.1529 Feb 2016 2,085,767 9,260 224.6830 Mar 2016 2,265,264 10,123 223.2031 Apr 2016 2,216,790 9,987 221.7332 May 2016 2,316,283 10,502 220.6133 Jun 2016 2,260,740 10,322 219.3734 Jul 2016 2,354,146 10,813 218.3535 Aug 2016 2,366,306 10,945 217.33

Historical Premium Trend, Indexed for: 2013 Q2 -7.2% 0.81362013 Q3 -7.0% 0.83342013 Q4 -7.1% 0.84822014 Q1 -7.1% 0.86242014 Q2 -7.3% 0.87582014 Q3 -7.5% 0.88942014 Q4 -7.8% 0.90332015 Q1 -7.8% 0.92242015 Q2 -6.9% 0.94792015 Q3 -6.5% 0.96692015 Q4 -5.8% 0.9852

Future Premium Trend -6.6%

Mid-Century Insurance CompanyPennsylvania

Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Bodily Injury

Premium Trend

Exhibit F

Page 53 of 83


Obs Cal Month/Yr Premium at Current Earned Pols Rate1 Oct 2013 730,794 2,830 259.102 Nov 2013 743,056 2,905 256.123 Dec 2013 799,511 3,150 253.734 Jan 2014 831,057 3,295 251.665 Feb 2014 791,640 3,147 250.276 Mar 2014 930,549 3,705 249.887 Apr 2014 951,344 3,818 248.408 May 2014 1,033,234 4,181 246.779 Jun 2014 1,053,283 4,294 245.40





Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Property Damage

Premium Trend

Exhibit F

Page 54 of 83


Obs Cal Month/Yr Premium at Current Earned Pols Rate1 Oct 2013 291,142 2,465 118.502 Nov 2013 291,931 2,516 116.203 Dec 2013 313,433 2,719 115.234 Jan 2014 324,822 2,836 114.265 Feb 2014 307,270 2,702 113.136 Mar 2014 356,604 3,167 112.027 Apr 2014 361,736 3,251 110.918 May 2014 392,695 3,556 110.289 Jun 2014 399,878 3,651 109.58

10 Jul 2014 432,934 3,986 108.8611 Aug 2014 455,668 4,229 108.2912 Sep 2014 464,736 4,325 107.9813 Oct 2014 508,593 4,745 107.5414 Nov 2014 523,089 4,865 107.6715 Dec 2014 570,004 5,307 107.3716 Jan 2015 598,079 5,590 106.7517 Feb 2015 568,317 5,325 106.1918 Mar 2015 657,285 6,188 105.6819 Apr 2015 663,601 6,287 105.2220 May 2015 712,763 6,783 104.9321 Jun 2015 712,300 6,812 104.6122 Jul 2015 760,694 7,312 104.2823 Aug 2015 782,528 7,567 103.9424 Sep 2015 773,021 7,527 103.2425 Oct 2015 813,985 7,976 102.4526 Nov 2015 800,044 7,903 101.4927 Dec 2015 838,593 8,334 100.7328 Jan 2016 850,634 8,484 100.2429 Feb 2016 808,066 8,101 99.5030 Mar 2016 878,696 8,867 98.8531 Apr 2016 864,366 8,762 98.5332 May 2016 907,346 9,227 98.3633 Jun 2016 889,752 9,082 98.1334 Jul 2016 931,163 9,529 98.0135 Aug 2016 938,544 9,654 97.73




Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Uninsured Motorist

Premium Trend

Exhibit F

Page 55 of 83



10 Jul 2014 477,861 3,742 128.0011 Aug 2014 504,997 3,978 127.5912 Sep 2014 516,594 4,077 127.3613 Oct 2014 566,783 4,475 127.0614 Nov 2014 583,177 4,599 126.9715 Dec 2014 636,849 5,029 126.5816 Jan 2015 668,871 5,301 125.8917 Feb 2015 637,091 5,051 125.5118 Mar 2015 738,316 5,868 125.1919 Apr 2015 744,359 5,954 124.6320 May 2015 798,206 6,417 124.2321 Jun 2015 798,182 6,441 123.9822 Jul 2015 850,986 6,911 123.4223 Aug 2015 875,501 7,156 122.9724 Sep 2015 866,172 7,112 122.4325 Oct 2015 913,737 7,534 121.7526 Nov 2015 900,958 7,467 120.9627 Dec 2015 948,624 7,885 120.4428 Jan 2016 966,887 8,035 120.3029 Feb 2016 923,650 7,680 119.9730 Mar 2016 1,009,615 8,403 119.8431 Apr 2016 996,095 8,288 120.0432 May 2016 1,047,821 8,711 120.3233 Jun 2016 1,032,387 8,566 120.7134 Jul 2016 1,083,256 8,980 120.9935 Aug 2016 1,097,863 9,102 121.25

Historical Premium Trend, Indexed for: 2013 Q2 -2.9% 0.92252013 Q3 -2.6% 0.93592013 Q4 -2.6% 0.94212014 Q1 -2.6% 0.94792014 Q2 -2.7% 0.95372014 Q3 -2.4% 0.96402014 Q4 -2.1% 0.97382015 Q1 -1.5% 0.98462015 Q2 0.1% 1.00072015 Q3 2.0% 1.00992015 Q4 3.1% 1.0076

Future Premium Trend 1.2%


Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Comprehensive

Premium Trend

Exhibit F

Page 56 of 83


Obs Cal Month/Yr Premium at Current Earned Pols Rate1 Oct 2013 1,046,578 2,163 485.472 Nov 2013 1,060,988 2,216 479.373 Dec 2013 1,148,956 2,407 477.034 Jan 2014 1,201,728 2,525 474.775 Feb 2014 1,147,507 2,415 472.846 Mar 2014 1,347,608 2,837 472.637 Apr 2014 1,383,969 2,922 472.198 May 2014 1,508,613 3,201 470.679 Jun 2014 1,545,890 3,290 470.09





Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Collision

Premium Trend

Exhibit F

Page 57 of 83



10 Jul 2014 678,777 4,691 145.0311 Aug 2014 712,002 4,972 143.9112 Sep 2014 723,118 5,085 142.9213 Oct 2014 789,106 5,574 142.0314 Nov 2014 807,676 5,707 141.7115 Dec 2014 875,450 6,218 140.7316 Jan 2015 915,248 6,544 139.5417 Feb 2015 869,017 6,225 138.9018 Mar 2015 1,003,997 7,219 138.3819 Apr 2015 1,009,773 7,312 137.6620 May 2015 1,078,532 7,870 136.8621 Jun 2015 1,074,700 7,889 136.3022 Jul 2015 1,142,348 8,443 135.6123 Aug 2015 1,169,684 8,723 134.7724 Sep 2015 1,152,533 8,666 133.6925 Oct 2015 1,206,802 9,166 132.1726 Nov 2015 1,181,686 9,068 130.6427 Dec 2015 1,232,522 9,550 129.2128 Jan 2016 1,247,964 9,708 128.5329 Feb 2016 1,184,017 9,260 127.5430 Mar 2016 1,272,152 10,123 125.3531 Apr 2016 1,234,109 9,987 123.4432 May 2016 1,275,105 10,502 121.4533 Jun 2016 1,233,418 10,322 119.6834 Jul 2016 1,271,630 10,813 117.9535 Aug 2016 1,268,719 10,945 116.53



Premium Trend


Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Medical/No-Fault

Exhibit G

Page 58 of 83

Pennsylvania

All Companies

Line of Business: AutoEvaluation Date: Quarter 3, 2016

Catastrophe Factor

Accident Paid Catastrophe Normal CatastropheYear Loss & DCC Loss & DCC Loss & DCC Factor2006 6,464,697 442,749 6,021,947 1.07352007 7,244,290 128,809 7,115,482 1.01812008 7,506,504 254,036 7,252,468 1.03502009 4,727,496 86,066 4,641,430 1.01852010 5,273,756 390,455 4,883,301 1.08002011 6,915,681 345,992 6,569,688 1.05272012 8,204,653 1,138,833 7,065,820 1.16122013 7,915,420 129,417 7,786,003 1.01662014 13,145,971 3,920,731 9,225,241 1.42502015 10,017,830 373,342 9,644,489 1.0387Total 77,416,299 7,210,430 70,205,869 1.1027

Exhibit H-1

Page 59 of 83

State: Farmers' NF StatesCoverage: Bodily Injury (BI)Cap: $75,000 per claim unit

Large Loss Load - BI

[1] [2] [3] [4] [5]Accident Ultimate Losses =[2]÷[3] TrendedQuarter Uncapped Capped Uncapped/Capped Ratio Ratio2006Q4 16,904,157 14,178,037 1.1923 1.25072007Q1 16,292,950 13,969,416 1.1663 1.22222007Q2 17,996,579 15,759,986 1.1419 1.19532007Q3 20,840,349 17,147,836 1.2153 1.27082007Q4 18,207,595 15,899,287 1.1452 1.19622008Q1 17,282,447 14,518,101 1.1904 1.24212008Q2 15,697,561 13,517,444 1.1613 1.21042008Q3 17,346,298 14,664,520 1.1829 1.23162008Q4 18,139,595 14,229,707 1.2748 1.32592009Q1 14,204,925 12,479,559 1.1383 1.18272009Q2 15,824,760 13,050,780 1.2126 1.25852009Q3 17,079,024 14,182,299 1.2042 1.24862009Q4 14,429,074 12,576,520 1.1473 1.18832010Q1 13,145,809 10,243,122 1.2834 1.32782010Q2 13,452,240 11,880,640 1.1323 1.17032010Q3 14,354,599 11,927,387 1.2035 1.24252010Q4 14,763,553 12,232,836 1.2069 1.24472011Q1 12,504,075 10,902,000 1.1470 1.18172011Q2 14,497,533 12,816,822 1.1311 1.16412011Q3 15,133,115 13,330,701 1.1352 1.16712011Q4 15,736,744 13,855,961 1.1357 1.16642012Q1 16,588,350 13,562,772 1.2231 1.25482012Q2 17,972,420 14,721,895 1.2208 1.25112012Q3 18,083,079 14,525,556 1.2449 1.27452012Q4 20,307,412 16,413,922 1.2372 1.26522013Q1 17,056,606 13,830,625 1.2332 1.25982013Q2 16,810,080 14,084,224 1.1935 1.21802013Q3 19,751,112 15,237,047 1.2963 1.32142013Q4 15,434,580 12,885,392 1.1978 1.21982014Q1 11,375,244 10,125,210 1.1235 1.14282014Q2 16,374,625 12,933,471 1.2661 1.28652014Q3 17,366,006 14,090,389 1.2325 1.25112014Q4 16,302,931 13,131,798 1.2415 1.25892015Q1 14,663,779 12,149,631 1.2069 1.22262015Q2 16,748,608 13,437,233 1.2464 1.26122015Q3 15,204,500 13,551,287 1.1220 1.13412015Q4 16,999,315 14,202,882 1.1969 1.20852016Q1 14,275,668 11,405,335 1.2517 1.26252016Q2 16,131,795 12,970,925 1.2437 1.25312016Q3 18,594,252 15,396,789 1.2077 1.2156

(7) CW Quarterly exponential regression 1.0011(8) CW Annualized exponential trend 0.4%(9) Selected historical trend (up to 2016Q3) 0.4%

(10) Selected future trend (from 2016Q3) 0.4%(11) Trending period, in years, from 2016Q3 1.5359(12) Average trended ratio 1.2312

Exhibit H-2

Page 60 of 83

State: Farmers' NF StatesCoverage: Uninsured Motorist Bodily Injury (UMB)Cap: $75,000 per claim unit

Large Loss Load - UMB

[1] [2] [3] [4] [5]Accident Ultimate Losses =[2]÷[3] TrendedQuarter Uncapped Capped Uncapped/Capped Ratio Ratio2006Q4 5,164,894 4,089,891 1.2628 1.22722007Q1 6,538,684 4,696,686 1.3922 1.35372007Q2 5,773,553 4,178,456 1.3817 1.34442007Q3 5,332,051 4,227,290 1.2613 1.22802007Q4 5,150,959 4,156,793 1.2392 1.20722008Q1 4,772,477 3,852,157 1.2389 1.20772008Q2 5,466,554 3,504,392 1.5599 1.52162008Q3 6,154,459 4,850,019 1.2690 1.23862008Q4 5,225,717 4,018,775 1.3003 1.27002009Q1 3,335,990 2,936,619 1.1360 1.11022009Q2 3,496,992 2,381,159 1.4686 1.43622009Q3 3,730,010 2,970,914 1.2555 1.22862009Q4 3,916,029 3,072,852 1.2744 1.24792010Q1 3,425,008 2,498,529 1.3708 1.34312010Q2 4,497,376 2,780,297 1.6176 1.58592010Q3 4,252,941 3,539,225 1.2017 1.17892010Q4 4,556,034 3,422,479 1.3312 1.30682011Q1 2,496,824 2,208,234 1.1307 1.11072011Q2 2,655,096 2,367,884 1.1213 1.10212011Q3 4,092,364 3,488,498 1.1731 1.15382011Q4 5,392,113 4,337,260 1.2432 1.22352012Q1 4,590,107 3,022,505 1.5186 1.49552012Q2 4,980,050 4,311,213 1.1551 1.13832012Q3 4,974,915 4,125,851 1.2058 1.18902012Q4 5,024,212 4,056,500 1.2386 1.22202013Q1 3,780,891 3,183,858 1.1875 1.17242013Q2 4,845,568 4,086,299 1.1858 1.17152013Q3 3,957,434 2,938,858 1.3466 1.33122013Q4 4,321,813 3,226,891 1.3393 1.32482014Q1 4,420,656 3,601,202 1.2276 1.21502014Q2 5,223,417 3,977,884 1.3131 1.30052014Q3 3,043,077 2,482,440 1.2258 1.21492014Q4 3,472,721 3,115,190 1.1148 1.10552015Q1 5,331,050 4,132,611 1.2900 1.28012015Q2 4,063,441 3,172,751 1.2807 1.27172015Q3 5,733,870 4,078,418 1.4059 1.39692015Q4 6,020,497 4,692,263 1.2831 1.27562016Q1 5,460,206 4,079,609 1.3384 1.33152016Q2 4,688,753 3,560,545 1.3169 1.31092016Q3 5,364,645 3,857,723 1.3906 1.3852

(7) CW Quarterly exponential regression 0.9994(8) CW Annualized exponential trend -0.3%(9) Selected historical trend (up to 2016Q3) -0.3%

(10) Selected future trend (from 2016Q3) -0.3%(11) Trending period, in years, from 2016Q3 1.5359(12) Average trended ratio 1.2690

Exhibit I-1

Page 61 of 83

Mid-Century Insurance Company

Expense AnalysisPennsylvania

Exclusive AgentsPrivate Passenger Auto

(Amounts in Thousands)

Expense 2013 2014 2015 SelectedComponent Amount % Amount % Amount % %

Premiums Written $30,969 100.0% $57,801 100.0% $96,798 100.0%Commissions and Brokerage $5,423 17.5% $5,782 10.0% $8,466 8.7% 11.1%

Taxes, Licenses, & Fees $1,184 3.8% $1,503 2.6% $2,506 2.6% 2.2%Premiums Earned $26,004 100.0% $50,031 100.0% $87,007 100.0%

Other Acquisition & General $8,654 33.3% $17,063 34.1% $26,251 30.2% 18.4%Other Income less Other Expenses ($209) -0.8% ($239) -0.5% ($440) -0.5% -0.8%

Total 53.8% 46.2% 41.0% 30.9%

Adjusting and Other (Liability) $1,029 6.8% $6,419 22.8% $8,629 18.0% 11.0%Premiums Earned (Liability) $15,154 $28,121 $48,049

Adjusting and Other (Phys Dam) $1,200 11.1% $2,592 11.8% 3,244 8.3% 11.0%Premiums Earned (Phys Dam) $10,850 $21,911 $38,958

SOURCES

Premiums Written Financials underlying Annual Statement Page 14Lines 19.1, 19.2, and 21.1column 1

Commissions and Brokerage Financials underlying Insurance Expense Exhibit Part IIILines 19.1, 19.2, and 21.1columns 23

Taxes, Licenses, & Fees Financials underlying Insurance Expense Exhibit Part IIILines 19.1, 19.2, and 21.1column 12

Premiums Earned Financials underlying Annual Statement Page 14Lines 19.1, 19.2, and 21.1column 2

Other Acquisition & General Financials underlying Insurance Expense Exhibit Part IIILines 19.1, 19.2, and 21.1columns 27 and 29

Other Income less Other Expenses Financials underlying Insurance Expense Exhibit Part IIILines 19.1, 19.2, and 21.1columns 31

Adjusting and Other Financials underlying Insurance Expense Exhibit Part IIILines 19.1, 19.2, and 21.1columns 11

Exhibit I-2

Page 62 of 83

Farmers Insurance GroupProjected Investment Income Ratio

Percent of Total Assets

(000 Omitted)

2013 2014 2015

(1) Net Investment Income Earned 422,986 392,129 357,041FIG Consolidated Annual StatementPage 4, Line 9, Column 1

(2) Total Assets, current year 24,094,804 24,145,287 23,761,149FIG Consolidated Annual StatementPage 2, Line 26, Column 3

(3) Total Assets, previous year 24,301,351 24,094,804 24,145,287FIG Consolidated Annual StatementPage 2, Line 26, Column 4

(4) Average Total Assets 24,198,077 24,120,045 23,953,218[ (2) + (3) ] / 2

(5) Investment Income Ratio 1.7% 1.6% 1.5%(1) / (4)

(6) Projected Investment Income 1.5% =ii

Exhibit I-3

Page 63 of 83

Farmers Insurance GroupNet Realized Capital Gains

Percent of Total Assets

(000 Omitted)

Total Avg. with Realized Cap. Percent AverageYear Assets* Prior Year Gains** Return Cap Gains

1980 3,634,699 (10,494)1981 3,926,527 3,780,613 (12,486) -0.3% -0.0031982 4,223,299 4,074,913 (26,853) -0.7% -0.5%1983 4,598,221 4,410,760 (3,773) -0.1% -0.4%1984 4,903,894 4,751,058 17,446 0.4% -0.2%1985 5,676,097 5,289,995 82,360 1.6% 0.2%1986 6,956,911 6,316,504 122,176 1.9% 0.5%1987 7,775,115 7,366,013 28,205 0.4% 0.5%1988 8,707,533 8,241,324 141,175 1.7% 0.6%1989 9,640,862 9,174,198 87,070 0.9% 0.6%1990 10,612,794 10,126,828 90,738 0.9% 0.7%1991 11,580,703 11,096,749 236,461 2.1% 0.8%1992 12,357,318 11,969,011 344,083 2.9% 1.0%1993 13,340,263 12,848,791 316,809 2.5% 1.1%1994 12,683,956 13,012,110 168,748 1.3% 1.1%1995 12,050,610 12,367,283 157,480 1.3% 1.1%1996 12,041,209 12,045,910 150,743 1.3% 1.1%1997 12,357,046 12,199,128 297,625 2.4% 1.2%1998 14,763,606 13,560,326 74,597 0.6% 1.2%1999 15,603,826 15,183,716 27,009 0.2% 1.1%2000 16,155,992 15,879,909 (12,277) -0.1% 1.1%2001 14,908,778 15,532,385 363,945 2.3% 1.1%2002 15,726,766 15,317,772 184,329 1.2% 1.1%2003 17,048,575 16,387,670 20,284 0.1% 1.1%2004 18,408,620 17,728,598 37,617 0.2% 1.0%2005 19,568,397 18,988,509 6,567 0.0% 1.0%2006 20,735,536 20,151,967 42,800 0.2% 1.0%2007 22,389,097 21,562,317 127,825 0.6% 1.0%2008 22,014,931 22,202,014 (112,450) -0.5% 0.9%2009 24,877,329 23,446,130 7,424 0.0% 0.9%2010 24,553,874 24,715,601 24,051 0.1% 0.8%2011 24,179,168 24,366,521 61,669 0.3% 0.8%2012 24,301,351 24,240,259 79,940 0.3% 0.8%2013 24,094,804 24,198,077 71,048 0.3% 0.8%2014 24,145,287 24,120,045 108,474 0.4% 0.8%2015 23,761,149 23,953,218 156,043 0.7% 0.8%

0.4% = CG

* Source: Annual Statement Page 2, Line 26, Column 3** Source: Annual Statement Page 4, Line 10, Column 1 (Pre-tax amount)

Exhibit I-4

Page 64 of 83

Farmers Insurance GroupFederal Taxes on Investment Income

(000 Omitted)2013 2014 2015

TAXABLE TAXABLE TAXABLE TAXABLE TAXABLE TAXABLETYPE OF INVESTMENT INCOME PORTION INCOME INCOME PORTION INCOME INCOME PORTION INCOME SOURCE

Taxable Bonds $437,406 100.0% $437,406 $403,916 100.0% $403,916 $360,302 100.0% $360,302 Page 12 Exhibit of Net Investment Income Lines 1 and 1.2, Col 2

Tax-Exempt Bonds Page 12 Exhibit of Net Investment IncomeOld (prior to 8/86) 0 0.0% 0 0 0.0% 0 0 0.0% 0 Line 1.1, Col 2New (after to 8/86) 118,030 15.0% 17,704 107,819 15.0% 16,173 122,789 15.0% 18,418

Stocks Page 12 Exhibit of Net Investment IncomeOld (prior to 8/86) 0 30.0% 0 0 30.0% 0 0 30.0% 0 Lines 2.1 and 2.2, Col 2New (after to 8/86) 5,924 40.5% 2,399 11,270 40.5% 4,564 15,270 40.5% 6,184 * See Footnote

Other Investment Income 41,051 100.0% 41,051 33,430 100.0% 33,430 39,788 100.0% 39,788 Page 12 Exhibit of Net Investment Income Lines 3 through 9, Col 2

Realized Capital Gains 82,666 100.0% 82,666 89,946 100.0% 89,946 100,961 100.0% 100,961 Page 4, Line 10 (EXPECTED)

GROSS TOTAL 685,077 581,227 646,381 548,029 639,110 525,654

Investment Expenses 180,040 100.0% 180,040 164,844 100.0% 164,844 181,642 100.0% 181,642 Page 12 Exhibit of Net Investment Income Line 16, Col 2

NET TOTAL 505,037 401,186 481,537 383,185 457,468 344,012

CORPORATE TAX RATE (Assuming Regular Taxpayer) 35.0% 35.0% 35.0%

TAX AMOUNT 140,415 134,115 120,404

TAX AMOUNT AS % OF INVESTMENT INCOME 27.8% 27.9% 26.3% 27.3%= ti

* 30% of income is fully taxable, the remainder is 15% taxable.

Exhibit I-5

Page 65 of 83

Farmers Insurance GroupUnearned Premium Reserves

Private Passenger Auto Liability

(1) 2014 Direct Earned Premium 4,077,264,633

(2) 2014 Unearned Premium Reserve 1,142,185,686(3) 2013 Unearned Premium Reserve 1,097,485,720

(4) Average [ (2) + (3) ] / 2 1,119,835,703(5) Percent of Earned Premium (4) / (1) 27.5% = U

Source: FIG (excluding Farmers Re, Bristol West, Foremost and 21st Century Annual Statement page 14, Lines 19.1 and 19.2

Exhibit I-6

Page 66 of 83

Farmers Insurance GroupReserves for Loss, Defense and Cost Containment Expenses and Adjusting and Other Expenses

Private Passenger Auto Liability

(000 Omitted)

2013 2014 2015 Selected (Average)

(1a) Direct Losses Incurred 2,355,132 2,414,022 2,876,744(1b) Direct Defense and Cost Containment Expenses Incurred 127,056 126,128 132,539(1c) Direct Adjusting and Other Expenses Incurred 363,032 447,907 482,102(1d) Direct Losses, DCC and A&O Incurred 2,845,221 2,988,058 3,491,385

(2a) Direct Losses Unpaid (Current Year) 2,594,247 2,685,577 3,009,458(2b) Direct Defense and Cost Containment Expenses Unpaid (Current Year) 293,916 285,352 285,823(2c) Direct Adjusting and Other Expenses Unpaid (Current Year) 310,652 325,877 354,418(2d) Direct Losses, DCC and A&O Unpaid (Current Year) 3,198,815 3,296,806 3,649,699

(3a) Direct Losses Unpaid (Prior Year) 2,636,747 2,594,247 2,685,577(3b) Direct Defense and Cost Containment Expenses Unpaid (Prior Year) 300,715 293,916 285,352(3c) Direct Adjusting and Other Expenses Unpaid (Prior Year) 306,642 310,652 325,877(3d) Direct Losses, DCC and A&O Unpaid (Prior Year) 3,244,103 3,198,815 3,296,806

(4) Average [ (2d) + (3d) ] / 2 3,221,459 3,247,811 3,473,253(5) Percent of Incurred Losses, DCC and A&O (4) / (1d) 113.2% 108.7% 99.5% lr = 107.1%

Source: FIG (excluding Farmers Re, Bristol West, Foremost and 21st Century) Countrywide Insurance Expense Exhibit, Part III, Lines 19.1 and 19.2

Exhibit I-7

Page 67 of 83


PennsylvaniaPrivate Passenger Auto Liability

Permissible Loss, DCC and A&O Ratio

EstimateR = Target Total After-Tax Return on Surplus 15.0%S = Leverage Ratio 2.00 : 1

Prem:Surplus (=R/RT)RT = Total After-Tax Return as % of Premium 7.5%

=R/SE = Underwriting Expenses 30.9%U = Unearned Premium Reserve 27.5%lr = Loss, DCC and A&O Reserve 107.1%i = Investment Income, % of Total Assets 1.9%

tu = Tax Rate on Underwriting Assuming a Regular Taxpayer 35.0%ti = Tax Rate on Investment Income 27.3%

L = Permissible Loss, DCC and A&O Ratio 60.6%

C = Target Combined Ratio 91.5%= L + E

RT = [(1 - tu) * (1- E - L)] (Underwriting Income)+ (1 - ti) * i * [L * lr + U] (Investment Income on Reserves)+ [(1 - ti) * i] / S (Investment Income on Surplus)

which yields

L = [(1 - tu) * (1 - E)] + {[(1 - ti) * i] * [U + 1 / S]} - RT1 - tu - (1 - ti) * i * lr

Exhibit I-8

Page 68 of 83

Farmers Insurance GroupUnearned Premium Reserves

Private Passenger Auto Physical Damage

(1) 2014 Direct Earned Premium 2,734,411,710

(2) 2014 Unearned Premium Reserve 769,662,869(3) 2013 Unearned Premium Reserve 720,198,704

(4) Average [ (2) + (3) ] / 2 744,930,787(5) Percent of Earned Premium (4) / (1) 27.2% = U

Source: FIG (excluding Farmers Re, Bristol West, Foremost and 21st Century Annual Statement page 14, Line 21.1

Exhibit I-9

Page 69 of 83

Farmers Insurance GroupReserves for Loss, Defense and Cost Containment Expenses and Adjusting and Other Expenses

Private Passenger Auto Physical Damage

(000 Omitted)

2013 2014 2015 Selected (Average)

(1a) Direct Losses Incurred 1,562,946 1,587,673 1,710,552(1b) Direct Defense and Cost Containment Expenses Incurred 2,036 2,693 2,250(1c) Direct Adjusting and Other Expenses Incurred 250,946 146,899 134,597(1d) Direct Losses, DCC and A&O Incurred 1,815,928 1,737,265 1,847,399

(2a) Direct Losses Unpaid (Current Year) 183,797 188,684 185,099(2b) Direct Defense and Cost Containment Expenses Unpaid (Current Year) 2,357 2,709 2,497(2c) Direct Adjusting and Other Expenses Unpaid (Current Year) 48,748 51,789 39,362(2d) Direct Losses, DCC and A&O Unpaid (Current Year) 234,902 243,182 226,958

(3a) Direct Losses Unpaid (Prior Year) 192,380 183,797 188,684(3b) Direct Defense and Cost Containment Expenses Unpaid (Prior Year) 2,538 2,357 2,709(3c) Direct Adjusting and Other Expenses Unpaid (Prior Year) 47,551 48,748 51,789(3d) Direct Losses, DCC and A&O Unpaid (Prior Year) 242,470 234,902 243,182

(4) Average [ (2d) + (3d) ] / 2 238,686 239,042 235,070(5) Percent of Incurred Losses, DCC and A&O (4) / (1d) 13.1% 13.8% 12.7% lr = 13.2%

Source: FIG (excluding Farmers Re, Bristol West, Foremost and 21st Century) Countrywide Insurance Expense Exhibit, Part III, Line 21.1

Exhibit I-10

Page 70 of 83


PennsylvaniaPrivate Passenger Auto Physical Damage

Permissible Loss, DCC and A&O Ratio

EstimateR = Target Total After-Tax Return on Surplus 15.0%S = Leverage Ratio 4.00 : 1

Prem:Surplus (=R/RT)RT = Total After-Tax Return as % of Premium 3.8%

=R/SE = Underwriting Expenses 30.9%U = Unearned Premium Reserve 27.2%lr = Loss, DCC and A&O Reserve 13.2%i = Investment Income, % of Total Assets 1.9%

tu = Tax Rate on Underwriting Assuming a Regular Taxpayer 35.0%ti = Tax Rate on Investment Income 27.3%

L = Permissible Loss, DCC and A&O Ratio 64.6%

C = Target Combined Ratio 95.5%= L + E

RT = [(1 - tu) * (1- E - L)] (Underwriting Income)+ (1 - ti) * i * [L * lr + U] (Investment Income on Reserves)+ [(1 - ti) * i] / S (Investment Income on Surplus)

which yields

L = [(1 - tu) * (1 - E)] + {[(1 - ti) * i] * [U + 1 / S]} - RT1 - tu - (1 - ti) * i * lr

Exhibit J

Page 71 of 83

Credibility Standard developed using Claimant CountsCoverage mean SD (k=5%,P=90%) (k=2.5%,P=90%)

BI 8,934 14,574 3,962 15,854PD 2,477 2,742 2,407 9,634UM 7,340 15,288 5,776 23,114

COLL 3,249 3,445 2,298 9,198MEDNF 2,913 4,682 3,878 15,520

Year 1 Year 2 Year 3BI 1,423 0.599 0.60 0.40 0.00PD 4,366 1.000 1.00 0.00 0.00UM 623 0.328 0.34 0.33 0.33

COLL 6,271 1.000 1.00 0.00 0.00MEDNF 2,959 0.873 0.80 0.20 0.00

The accident year (quarter) weights are determined by taking the annual reported claims counts and comparing to the count of claims required for full credibility.

In selecting the degree of credibility assigned to each coverage, we used a method similar to those described by L.H. Longley-Cook in his paper An Introduction to Credibility Theory. Longley-Cook points out that a sample of 1,082 claims would result in a frequency calculation, which has a 90% probability of being within 5% of the "actual" underlying frequency. He also points out that this sample size must be multiplied by a factor of (1+ T) to achieve the same degree of confidence in the calculated pure premiums, where T is a measure of the variance of the underlying distribution of claim costs, namely the coefficient of variation of claim costs squared (CV^2). Thus, the number of claims per year (based on a rolling 4-quarter sum) needed to have a 90% probability of that annual pure premium amount's being within 5% of the "actual" is calculated as (1 + CV^2) * 1,082 for each coverage. This is taken as the full credibility standard.

We use a round down rule to get to the selected accident year weight. Once the accident year weights have been decided, we divide the annual weights evenly to determine the quarterly weights.

Accident Year and Accident Quarter Weight Selection Method

Accident Year WeightsCoverage

Reported Count

Single Year Credibility

Exhibit K-1

Page 72 of 83

Mid-Century Insurance CompanyPennsylvaniaFarmers Auto 2.0Calculation Of Proposed RatesBase Rate

Coverage Current Proposed ChangeAccidental Death Benefit 4.3603 5.1746 18.7%

BDOC BI with Primary 6.3579 6.6668 4.9%BDOC MED 4.1035 4.8699 18.7%

BDOC PD with Primary 3.6534 4.0102 9.8%BI 140.2637 147.0793 4.9%

COLL 169.0036 175.4277 3.8%COMP 76.0335 78.1973 2.8%

DOC Accidental Death Benefit 0.1260 0.1495 18.7%DOC Funeral Expenses 0.0412 0.0489 18.7%

DOC Income Loss Benefits 0.7730 0.9174 18.7%DOC MED - Extraordinary 1.2454 1.4780 18.7%

Funeral Expenses 1.4300 1.6971 18.7%Income Loss Benefits 26.7678 31.7669 18.7%

MED 106.4057 126.2778 18.7%MED - Extraordinary 43.1303 51.1852 18.7%

PD 69.0106 75.7512 9.8%RENTAL RE ($100 per day) 80.3810 83.5853 4.0%RENTAL RE ($50 per day) 40.1308 41.7305 4.0%

TOWING 6.7531 6.7532 0.0%UIM 13.3836 14.6319 9.3%UM 8.7281 9.5430 9.3%

Exhibit K-2

Page 73 of 83

Mid-Century Insurance CompanyPennsylvaniaFarmers Auto 2.0Calculation Of Proposed RatesGlass Deductible Buyback

COMP Deductible Current Proposed Change250 11.5678 11.8992 2.9%500 20.3360 20.9186 2.9%750 22.2397 22.8769 2.9%

1000 23.0130 23.6723 2.9%1500 23.6421 24.3194 2.9%2500 23.9897 24.6770 2.9%

Exhibit K-3

Page 74 of 83

Mid-Century Insurance CompanyPennsylvaniaFarmers Auto 2.0Calculation Of Proposed RatesLoss of Use

Loss of Use Current Proposed ChangeBase Rate 16.7949 17.4513 3.9%

Exhibit K-4

Page 75 of 83

Mid-Century Insurance CompanyPennsylvaniaFarmers Auto 2.0Calculation Of Proposed RatesCamper and Trailer - Base

Current Current Proposed Proposed Change ChangeACV Range Comp Coll Comp Coll Comp Coll

0 - 1050 2.5469 2.6902 2.6219 2.7962 2.9% 3.9%1051 - 1300 3.7143 3.0265 3.8237 3.1458 2.9% 3.9%1301 - 1600 4.0327 3.5870 4.1515 3.7284 2.9% 3.9%1601 - 1900 4.4572 4.2595 4.5885 4.4274 2.9% 3.9%1901 - 2400 5.5184 5.3805 5.6809 5.5925 2.9% 3.9%2401 - 3000 7.2163 7.1740 7.4288 7.4567 2.9% 3.9%3001 - 4000 9.0204 9.1916 9.2861 9.5538 2.9% 3.9%4001 - 5000 11.7796 11.8819 12.1265 12.3501 2.9% 3.9%5001 - 6000 14.6449 14.4600 15.0762 15.0298 2.9% 3.9%6001 - 7000 16.9796 16.4777 17.4797 17.1270 2.9% 3.9%7001 - 8000 19.8450 19.0558 20.4295 19.8067 2.9% 3.9%8001 - 9000 22.6041 21.6339 23.2698 22.4864 2.9% 3.9%

9001 - 10000 24.6205 24.1000 25.3456 25.0497 2.9% 3.9%10001 - 12000 27.4858 27.3507 28.2953 28.4285 2.9% 3.9%12001 - 14000 31.5185 30.9377 32.4468 32.1569 2.9% 3.9%14001 - 16000 35.5511 34.6367 36.5981 36.0016 2.9% 3.9%16001 - 18000 39.5838 38.7842 40.7496 40.3126 2.9% 3.9%18001 - 20000 43.5103 42.3711 44.7917 44.0408 2.9% 3.9%20001 - 22000 47.0124 45.5097 48.3970 47.3031 2.9% 3.9%22001 - 24000 50.9389 49.2088 52.4391 51.1480 2.9% 3.9%24001 - 26000 54.7593 52.9079 56.3720 54.9929 2.9% 3.9%26001 - 28000 58.1553 56.0465 59.8680 58.2552 2.9% 3.9%28001 - 30000 62.0818 59.6335 63.9102 61.9835 2.9% 3.9%

30001 - 999999 93.2819 89.0018 96.0292 92.5091 2.9% 3.9%

Exhibit K-5

Page 76 of 83

Mid-Century Insurance CompanyPennsylvaniaFarmers Auto 2.0Calculation Of Proposed RatesTheft Coverage for StereoSpecial Theft - Base

Special Theft Current Proposed ChangeBase Rate 2.6000 2.6740 2.8%

Exhibit L-1

Page 77 of 83

Mid-Century Insurance CompanyPennsylvaniaFarmers Smart Plan AutoCalculation Of Proposed RatesBase Rate

Coverage Current Proposed ChangeAccidental Death Benefit 2.7817 3.3380 20.0%

BI 139.3132 146.2789 5.0%COLL 210.0615 218.2539 3.9%

COMP 89.6334 92.1431 2.8%Funeral Expenses 1.0636 1.2763 20.0%

Income Loss Benefits 12.5176 15.0211 20.0%MED 55.6276 66.7531 20.0%

MED - Extraordinary 44.9243 53.9091 20.0%PD 108.6188 119.5893 10.1%

UIM 20.2161 22.1164 9.4%UM 10.9146 11.9406 9.4%

Exhibit L-2

Page 78 of 83

Mid-Century Insurance CompanyPennsylvaniaFarmers Smart Plan AutoCalculation Of Proposed RatesBDOC Rate

Coverage Current Proposed ChangeBDOC BI with Primary 9.0643 9.5175 5.0%

BDOC MED 5.4516 6.5419 20.0%BDOC PD with Primary 5.1032 5.6186 10.1%

DOC Accidental Death Benefit 3.0256 3.6307 20.0%DOC Funeral Expenses 1.1569 1.3883 20.0%

DOC Income Loss Benefits 13.6153 16.3384 20.0%DOC MED - Extraordinary 48.8636 58.6363 20.0%

Exhibit L-3

Page 79 of 83

Mid-Century Insurance CompanyPennsylvaniaFarmers Smart Plan AutoCalculation Of Proposed RatesLoss of Use

Loss of Use Current Proposed ChangeBase Rate 24.1872 25.1305 3.9%

Exhibit L-4

Page 80 of 83

Mid-Century Insurance CompanyPennsylvaniaFarmers Smart Plan AutoCalculation Of Proposed RatesCustomized Amount

Amt. Range Current Proposed Change1 - 500 10.0000 10.0000 0.0%

501 - 1000 15.0000 15.0000 0.0%1001 - 1500 20.0000 21.0000 5.0%1501 - 2000 30.0000 31.0000 3.3%2001 - 2500 35.0000 36.0000 2.9%2501 - 3000 40.0000 41.0000 2.5%3001 - 3500 45.0000 46.0000 2.2%3501 - 4000 52.0000 53.0000 1.9%4001 - 4500 57.0000 59.0000 3.5%4501 - 5000 62.0000 64.0000 3.2%5001 - 5500 70.0000 72.0000 2.9%5501 - 6000 78.0000 80.0000 2.6%6001 - 6500 83.0000 85.0000 2.4%6501 - 7000 91.0000 94.0000 3.3%7001 - 7500 98.0000 101.0000 3.1%7501 - 8000 104.0000 107.0000 2.9%8001 - 8500 111.0000 114.0000 2.7%8501 - 9000 118.0000 121.0000 2.5%9001 - 9500 125.0000 128.0000 2.4%

9501 - 10000 131.0000 135.0000 3.1%10001 - 15000 168.0000 173.0000 3.0%15001 - 20000 236.0000 243.0000 3.0%20001 - 25000 303.0000 311.0000 2.6%25001 - 30000 370.0000 380.0000 2.7%30001 - 35000 438.0000 450.0000 2.7%35001 - 40000 505.0000 519.0000 2.8%40001 - 45000 572.0000 588.0000 2.8%45001 - 50000 639.0000 657.0000 2.8%

Exhibit L-5

Page 81 of 83

Mid-Century Insurance CompanyPennsylvaniaFarmers Smart Plan AutoCalculation Of Proposed RatesGlass Deductible Buyback

COMP Deductible Current Proposed Change250 17.0684 17.5463 2.8%500 30.0055 30.8457 2.8%750 32.8145 33.7333 2.8%

1000 33.9553 34.9060 2.8%1500 34.8837 35.8604 2.8%2500 35.3964 36.3875 2.8%

Exhibit L-6

Page 82 of 83

Mid-Century Insurance CompanyPennsylvaniaFarmers Smart Plan AutoCalculation Of Proposed RatesRental Coverage

Coverage Current Proposed ChangeRENTAL RE ($30 per day) 34.5024 35.8480 3.9%RENTAL RE ($50 per day) 57.3334 59.5694 3.9%

RENTAL RE ($100 per day) 114.8374 119.3161 3.9%

Exhibit L-7

Page 83 of 83

Mid-Century Insurance CompanyPennsylvaniaFarmers Smart Plan AutoCalculation Of Proposed RatesCamper and Trailer - Base

Current Current Proposed Proposed Change ChangeACV Range Comp Coll Comp Coll Comp Coll

0 - 1050 4.9034 3.8474 5.0407 3.9974 2.8% 3.9%1051 - 1300 7.1508 4.3283 7.3510 4.4971 2.8% 3.9%1301 - 1600 7.7636 5.1300 7.9810 5.3301 2.8% 3.9%1601 - 1900 8.5811 6.0919 8.8214 6.3295 2.8% 3.9%1901 - 2400 10.6240 7.6948 10.9215 7.9949 2.8% 3.9%2401 - 3000 13.8928 10.2597 14.2818 10.6598 2.8% 3.9%3001 - 4000 17.3662 13.1451 17.8525 13.6578 2.8% 3.9%4001 - 5000 22.6782 16.9925 23.3132 17.6552 2.8% 3.9%5001 - 6000 28.1946 20.6798 28.9840 21.4863 2.8% 3.9%6001 - 7000 32.6893 23.5651 33.6046 24.4841 2.8% 3.9%7001 - 8000 38.2058 27.2524 39.2756 28.3152 2.8% 3.9%8001 - 9000 43.5175 30.9395 44.7360 32.1461 2.8% 3.9%

9001 - 10000 47.3994 34.4661 48.7266 35.8103 2.8% 3.9%10001 - 12000 52.9160 39.1150 54.3976 40.6405 2.8% 3.9%12001 - 14000 60.6795 44.2451 62.3785 45.9707 2.8% 3.9%14001 - 16000 68.4431 49.5351 70.3595 51.4670 2.8% 3.9%16001 - 18000 76.2064 55.4663 78.3402 57.6295 2.8% 3.9%18001 - 20000 83.7663 60.5964 86.1118 62.9597 2.8% 3.9%20001 - 22000 90.5080 65.0849 93.0422 67.6232 2.8% 3.9%22001 - 24000 98.0678 70.3754 100.8137 73.1200 2.8% 3.9%24001 - 26000 105.4228 75.6653 108.3746 78.6162 2.8% 3.9%26001 - 28000 111.9609 80.1538 115.0958 83.2798 2.8% 3.9%28001 - 30000 119.5203 85.2834 122.8669 88.6095 2.8% 3.9%

30001 - 999999 179.5867 127.2843 184.6151 132.2484 2.8% 3.9%

State of: Pennsylvania Appendix A

COVERAGECIVIC PROPERTY &

CASUALTY COMPANY

FARMERS NEW CENTURY INSURANCE

COMPANY

MID-CENTURY INSURANCE COMPANY -

FA2


FSPATRUCK INSURANCE

EXCHANGE

FARMERS INSURANCE

COMPANY, INC. TOTALBI 0 0 20,729,651 4,855,897 0 0 25,585,548PD 0 0 19,713,376 4,814,980 0 0 24,528,356UM 0 0 8,178,235 1,930,836 0 0 10,109,071

COMP 0 0 10,136,593 2,423,897 0 0 12,560,489COLL 0 0 32,869,778 7,617,746 0 0 40,487,524

MEDNF 0 0 9,222,069 1,873,278 0 0 11,095,347OTHER 0 0 849,413 211,022 0 0 1,060,435Total 0 0 101,699,114 23,727,657 0 0 125,426,771


CASUALTY COMPANY


COMPANY


FA2


FSPATRUCK INSURANCE

EXCHANGE

FARMERS INSURANCE

COMPANY, INC. TOTALBI 0.0% 0.0% 5.0% 5.0% 0.0% 0.0% 5.0%PD 0.0% 0.0% 9.9% 10.1% 0.0% 0.0% 9.9%UM 0.0% 0.0% 9.5% 9.4% 0.0% 0.0% 9.5%

COMP 0.0% 0.0% 3.0% 2.8% 0.0% 0.0% 3.0%COLL 0.0% 0.0% 4.0% 3.9% 0.0% 0.0% 4.0%

MEDNF 0.0% 0.0% 18.8% 20.0% 0.0% 0.0% 19.0%OTHER 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%Total 0.0% 0.0% 7.0% 7.0% 0.0% 0.0% 7.0%


CASUALTY COMPANY


COMPANY


FA2


FSPATRUCK INSURANCE

EXCHANGE

FARMERS INSURANCE

COMPANY, INC.BI 0.0% 0.0% 4.1% 0.9% 0.0% 0.0%PD 0.0% 0.0% 8.0% 2.0% 0.0% 0.0%UM 0.0% 0.0% 7.7% 1.8% 0.0% 0.0%

COMP 0.0% 0.0% 2.4% 0.5% 0.0% 0.0%COLL 0.0% 0.0% 3.2% 0.7% 0.0% 0.0%

MEDNF 0.0% 0.0% 15.6% 3.4% 0.0% 0.0%OTHER 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%Total 0.0% 0.0% 5.7% 1.3% 0.0% 0.0%


CASUALTY COMPANY


COMPANY


FA2


FSPATRUCK INSURANCE

EXCHANGE

FARMERS INSURANCE

COMPANY, INC. TOTALBI 0 0 1,036,483 242,795 0 0 1,279,277PD 0 0 1,951,624 486,313 0 0 2,437,937UM 0 0 776,932 181,499 0 0 958,431

COMP 0 0 304,098 67,869 0 0 371,967COLL 0 0 1,314,791 297,092 0 0 1,611,883

MEDNF 0 0 1,733,749 374,656 0 0 2,108,405OTHER 0 0 0 0 0 0 0Total 0 0 7,117,677 1,650,223 0 0 8,767,900

DOLLAR AMOUNT OF CHANGE by COMPANY

EFFECT BY COVERAGE BY COMPANY

WRITTEN PREMIUM by COMPANY

IMPACT OF PROGRAM TO TOTAL ALL PROGRAMS [(INDIV PROG EFFECT X INDIV PROG WP)/(TOTAL WP)]

Appendix B

Rate Change Distribution Count

x ≤ -10.0% 0.0% 0

-10.0% < x ≤ -5.0% 0.0% 0

-5.0% < x ≤ 0.0% 0.0% 0

0.0% < x ≤ 2.0% 0.0% 2

2.0% < x ≤ 4.0% 0.0% 28

4.0% < x ≤ 6.0% 37.8% 21,846

6.0% < x ≤ 8.0% 47.6% 27,486

8.0% < x ≤ 10.0% 14.5% 8,397

x > 10.0% 0.0% 0

Overall 100.0% 57,759

Rate Change Distribution Count

x ≤ -10.0% 0.0% 0

-10.0% < x ≤ -5.0% 0.0% 0

-5.0% < x ≤ 0.0% 0.0% 0

0.0% < x ≤ 2.0% 0.0% 2

2.0% < x ≤ 4.0% 4.6% 633

4.0% < x ≤ 6.0% 72.8% 10,024

6.0% < x ≤ 8.0% 15.9% 2,190

8.0% < x ≤ 10.0% 6.1% 840

10.0% < x ≤ 12.0% 0.6% 79

x > 12.0% 0.0% 0

Overall 100.0% 13,768

Mid Century Insurance Company

Pennsylvania

Rate Change Histogram

0.0%

5.0%

10.0%

15.0%

20.0%

25.0%

30.0%

35.0%

40.0%

45.0%

50.0%

x ≤ -10.0% -10.0% < x ≤ -

5.0%

-5.0% < x ≤

0.0%

0.0% < x ≤

2.0%

2.0% < x ≤

4.0%

4.0% < x ≤

6.0%

6.0% < x ≤

8.0%

8.0% < x ≤

10.0%

x > 10.0%

FA2 Rate Change - Policies Distribution

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

60.0%

70.0%

80.0%

x ≤

-10.0%

-10.0% <

x ≤

-5.0%

-5.0% <

x ≤ 0.0%

0.0% < x

≤ 2.0%

2.0% < x

≤ 4.0%

4.0% < x

≤ 6.0%

6.0% < x

≤ 8.0%

8.0% < x

≤ 10.0%

10.0% <

x ≤

12.0%

x >

12.0%

1000.0%

< x ≤

16.0%

16.0% <

x ≤

18.0%

18.0% <

x ≤

20.0%

20.0% <

x ≤

22.0%

FSPA Rate Change - Policies Distribution

Appendix C - Premium and Exposure Data

Accident

Year

Ending

Earned Car

Years

Earned

Premiums at

collected rate

Earned

Premiums at

current rate

level

Percent of

Premium Earned

on an Annual

Policy

Percent of

Premium Earned

on a Semi-

annual Policy

Percent of

Premium Earned

on other than

an Annual or

Semi-annual

Policy

BI 2012 Q3 5,587 1,267,127 1,864,450 0% 100% 0%

2013 Q3 22,142 4,800,122 6,235,855 0% 100% 0%

2014 Q3 46,645 9,181,059 12,162,940 0% 100% 0%

2015 Q3 86,837 15,999,833 21,150,727 0% 100% 0%

2016 Q3 120,558 22,812,421 27,020,683 0% 100% 0%

PD 2012 Q3 5,587 884,488 1,969,693 0% 100% 0%

2013 Q3 22,142 3,161,578 6,525,322 0% 100% 0%

2014 Q3 46,645 6,600,224 11,783,906 0% 100% 0%

2015 Q3 86,837 11,959,255 20,456,588 0% 100% 0%

2016 Q3 120,558 20,615,766 26,070,943 0% 100% 0%

UM 2012 Q3 5,109 523,448 1,123,139 0% 100% 0%

2013 Q3 19,701 1,827,808 3,148,635 0% 100% 0%

2014 Q3 40,074 3,373,345 4,500,542 0% 100% 0%

2015 Q3 74,984 5,943,667 7,960,058 0% 100% 0%

2016 Q3 106,005 8,934,651 10,514,986 0% 100% 0%

CCD 2012 Q3 4,323 565,107 767,808 0% 100% 0%

2013 Q3 17,521 2,280,678 2,617,323 0% 100% 0%

2014 Q3 37,249 4,620,081 4,874,487 0% 100% 0%

2015 Q3 70,686 8,413,172 8,933,188 0% 100% 0%

2016 Q3 99,910 11,452,570 12,127,716 0% 100% 0%

COLL 2012 Q3 4,150 1,685,710 2,666,280 0% 100% 0%

2013 Q3 16,827 6,177,158 9,288,800 0% 100% 0%

2014 Q3 35,763 13,642,736 17,119,840 0% 100% 0%

2015 Q3 67,778 25,403,653 31,333,056 0% 100% 0%

2016 Q3 95,539 36,890,355 41,510,504 0% 100% 0%

MEDNF 2012 Q3 5,587 797,050 1,299,414 0% 100% 0%

2013 Q3 22,142 2,616,395 3,804,413 0% 100% 0%

2014 Q3 46,646 5,092,948 6,799,422 0% 100% 0%

2015 Q3 86,840 8,746,097 11,746,537 0% 100% 0%

2016 Q3 120,559 10,884,433 14,446,121 0% 100% 0%


Pennsylvania

Premium and Exposure Data

Appendix D - Expense Exhibit

Countrywide Countrywide Pennsylvania Pennsylvania Pennsylvania Pennsylvania Pennsylvania Pennsylvania Pennsylvania Pennsylvania Pennsylvania Pennsylvania Pennsylvania

2015

A. Direct

Written

Premiums

B. Direct Earned

Premiums

A. Direct

Written

Premiums

B. Direct Earned

Premiums

C. Direct

Commission

And Brokerage

D. Direct

General

Expenses

E. Direct Other

Acq, Field

Supervision

And Collection

Expenses

F. Taxes,

Licenses And

Fees

G. Incurred

Losses,

Excluding IBNR H. Paid Losses

I. Direct Paid

Unallocated

Loss Adj.

Expenses

J. Direct Paid

Allocated Loss

Adjustment

Expenses

K. Direct

Incurred ALAE,

Excluding IBNR

BI 466,780,951 462,702,991 19,616,972 17,850,698 720,192 1,641,895 3,812,926 526,085 13,979,826 5,393,717 1,233,845 664,572 2,389,275

PD 325,700,497 319,164,141 16,102,807 13,911,835 1,691,921 1,279,601 2,971,581 410,674 15,489,965 13,846,601 3,294,107 81,247 258,895

UM 125,307,034 124,670,233 7,480,241 6,699,394 752,345 616,206 1,430,997 191,948 5,167,187 1,475,101 322,866 93,691 314,096

CCD 194,965,599 192,965,497 11,060,368 10,123,781 1,025,777 914,804 2,124,424 284,524 6,738,340 6,670,850 488,727 2,289 -61,604

COLL 465,764,201 456,825,919 32,219,423 28,834,090 3,313,220 2,605,503 6,050,688 826,305 25,275,953 24,365,135 2,667,549 6,723 -246,131

MEDNF 88,669,384 84,366,662 10,318,501 9,587,377 962,207 843,578 1,959,016 266,210 9,511,118 6,262,354 1,468,700 150,789 446,108

Total 1,667,187,667 1,640,695,443 96,798,311 87,007,176 8,465,662 7,901,586 18,349,632 2,505,745 76,162,388 58,013,758 9,475,795 999,312 3,100,640


2014

A. Direct

Written

Premiums

B. Direct Earned

Premiums

A. Direct

Written

Premiums

B. Direct Earned

Premiums

C. Direct

Commission

And Brokerage

D. Direct

General

Expenses

E. Direct Other

Acq, Field

Supervision

And Collection

Expenses

F. Taxes,

Licenses And

Fees

G. Incurred

Losses,


I. Direct Paid

Unallocated

Loss Adj.

Expenses

J. Direct Paid

Allocated Loss

Adjustment

Expenses

K. Direct

Incurred ALAE,

Excluding IBNR

BI 446,179,569 449,710,143 12,264,198 10,668,235 1,174,446 1,469,307 2,191,112 330,969 8,041,419 2,334,156 702,046 210,381 446,932

PD 302,022,497 304,592,138 8,785,729 7,652,173 928,349 1,075,768 1,604,245 226,509 9,333,889 7,584,071 2,101,795 23,034 141,276

UM 121,884,762 123,289,779 4,481,245 3,896,615 450,132 533,761 795,974 115,691 2,774,588 316,072 66,368 9,178 93,025

CCD 185,192,475 185,476,158 6,820,049 5,850,964 639,135 784,759 1,170,276 175,458 5,639,874 5,075,043 301,702 4,464 28,988

COLL 426,382,087 426,569,859 18,660,035 16,059,694 1,937,127 2,171,891 3,238,844 479,474 14,350,129 13,205,257 1,524,371 4,205 186,971

MEDNF 70,238,042 66,584,605 6,789,407 5,903,486 652,890 813,845 1,213,651 174,995 3,724,472 2,996,699 860,657 85,712 138,974

Total 1,551,899,433 1,556,222,681 57,800,663 50,031,167 5,782,080 6,849,332 10,214,102 1,503,095 43,864,370 31,511,298 5,556,940 336,974 1,036,166


2013

A. Direct

Written

Premiums

B. Direct Earned

Premiums

A. Direct

Written

Premiums

B. Direct Earned

Premiums

C. Direct

Commission

And Brokerage

D. Direct

General

Expenses

E. Direct Other

Acq, Field

Supervision

And Collection

Expenses

F. Taxes,

Licenses And

Fees

G. Incurred

Losses,


I. Direct Paid

Unallocated

Loss Adj.

Expenses

J. Direct Paid

Allocated Loss

Adjustment

Expenses

K. Direct

Incurred ALAE,

Excluding IBNR

BI 452,329,916 458,647,552 6,798,591 5,807,643 1,128,934 597,179 1,384,168 271,607 3,167,217 664,036 112,496 29,697 137,862

PD 311,982,654 318,098,799 4,747,047 3,958,216 865,300 404,377 937,283 178,145 4,357,401 3,788,681 710,749 1,328 61,850

UM 124,062,322 125,764,214 2,567,690 2,209,198 456,806 224,601 520,591 99,959 1,213,626 357,223 64,130 5,293 45,312

CCD 187,720,729 191,860,677 3,566,493 3,010,232 607,869 294,018 681,488 136,454 1,847,493 1,697,487 225,703 3,743 41,088

COLL 436,307,165 449,156,359 9,549,634 7,839,738 1,715,393 764,831 1,772,759 353,714 6,534,886 6,028,762 976,794 93 147,973

MEDNF 57,309,245 55,951,670 3,739,901 3,178,702 648,978 323,293 749,342 143,856 2,086,639 1,747,665 143,889 39,408 83,910

Total 1,569,712,031 1,599,479,271 30,969,356 26,003,729 5,423,279 2,608,300 6,045,630 1,183,736 19,207,262 14,283,854 2,233,761 79,563 517,996


Expense Exhibit

Pennsylvania

Appendix E - Loss Dev Data - A

A. Earned Exposures

Accident

Year

Ending BI PD UM CCD COLL MEDNF

2012 Q3 5,587 5,587 5,109 4,323 4,150 5,587

2013 Q3 22,142 22,142 19,701 17,521 16,827 22,142

2014 Q3 46,645 46,645 40,074 37,249 35,763 46,646

2015 Q3 86,837 86,837 74,984 70,686 67,778 86,840

2016 Q3 120,558 120,558 106,005 99,910 95,539 120,559


Pennsylvania

Loss Development Data

Appendix E - BI Loss Dev Data


Pennsylvania

Loss Development Data: BI

B. Cumulative Reported Counts

Accident Year Ending 12 24 36 48 60

2012 Q3 85 121 126 127 127

2013 Q3 264 325 330 331

2014 Q3 616 783 797

2015 Q3 1,047 1,292

2016 Q3 1,423

C. Cumulative Claims Closed with Payment


2012 Q3 20 51 85 100 103

2013 Q3 55 133 197 218

2014 Q3 100 304 468

2015 Q3 166 436

2016 Q3 246

D. Cumulative Claims Closed without Payment


2012 Q3 10 25 22 20 21

2013 Q3 57 97 95 100

2014 Q3 117 195 219

2015 Q3 308 495

2016 Q3 368

E. Cumulative Paid Losses (excluding Loss Adjustment Expense)


2012 Q3 30,371 295,073 646,423 942,891 1,048,231

2013 Q3 121,206 1,090,699 1,929,269 2,556,519

2014 Q3 536,324 3,162,633 5,941,555

2015 Q3 597,123 4,412,410

2016 Q3 1,298,391

F. Cumulative Paid Allocated Loss Adjustment Expense


2012 Q3 5,067 10,540 86,585 120,969 143,220

2013 Q3 380 67,503 204,903 280,224

2014 Q3 13,950 226,195 789,071

2015 Q3 32,760 331,290

2016 Q3 71,831

G. Incurred Losses on a Case, Formula or Reported Basis, i.e. Excluding IBNR and/or Bulk Reserves and Loss Adjustment Expenses


2012 Q3 312,971 643,116 880,923 1,098,991 1,085,831

2013 Q3 1,306,421 2,158,278 2,597,562 3,009,519

2014 Q3 3,270,017 5,615,752 7,181,905

2015 Q3 4,809,050 8,348,013

2016 Q3 7,635,128

H. Incurred ALAE on a Case, Formula or Reported Basis, i.e. Excluding IBNR and/or Bulk Reserves


2012 Q3 5,067 10,540 86,585 120,969 143,220

2013 Q3 380 67,503 204,903 280,224

2014 Q3 13,950 226,195 789,071

2015 Q3 32,760 331,290

2016 Q3 71,831

Appendix E - PD Loss Dev Data


Pennsylvania

Loss Development Data: PD



2012 Q3 217 314 317 317 317

2013 Q3 901 1,212 1,232 1,232

2014 Q3 1,864 2,427 2,454

2015 Q3 3,322 4,330

2016 Q3 4,366



2012 Q3 217 314 317 317 317

2013 Q3 901 1,212 1,231 1,231

2014 Q3 1,864 2,427 2,454

2015 Q3 3,322 4,330

2016 Q3 4,366



2012 Q3 0 0 0 0 0

2013 Q3 0 0 1 1

2014 Q3 0 0 0

2015 Q3 0 0

2016 Q3 0



2012 Q3 553,073 907,888 942,888 942,888 942,888

2013 Q3 2,475,938 3,608,154 3,709,671 3,713,648

2014 Q3 5,569,084 7,706,202 7,852,858

2015 Q3 10,103,060 14,652,998

2016 Q3 14,064,263



2012 Q3 26 39 39 39 39

2013 Q3 490 7,590 15,310 16,616

2014 Q3 2,456 30,638 61,823

2015 Q3 38,527 101,698

2016 Q3 34,539



2012 Q3 553,073 907,888 942,888 942,888 942,888

2013 Q3 2,475,938 3,608,154 3,709,671 3,713,648

2014 Q3 5,569,084 7,706,202 7,852,858

2015 Q3 10,103,060 14,652,998

2016 Q3 14,064,263



2012 Q3 26 39 39 39 39

2013 Q3 490 7,590 15,310 16,616

2014 Q3 2,456 30,638 61,823

2015 Q3 38,527 101,698

2016 Q3 34,539

Appendix E - UM Loss Dev Data


Pennsylvania

Loss Development Data: UM



2012 Q3 39 45 45 45 45

2013 Q3 116 141 148 152

2014 Q3 179 235 259

2015 Q3 501 621

2016 Q3 623



2012 Q3 1 6 9 11 11

2013 Q3 7 21 27 33

2014 Q3 7 37 74

2015 Q3 9 54

2016 Q3 14



2012 Q3 12 30 34 34 34

2013 Q3 73 102 109 114

2014 Q3 84 141 154

2015 Q3 333 472

2016 Q3 370



2012 Q3 234 162,734 193,234 210,484 210,484

2013 Q3 104,726 332,935 386,935 576,435

2014 Q3 26,870 505,891 1,589,441

2015 Q3 244,075 1,843,416

2016 Q3 78,568



2012 Q3 240 5,265 5,265 5,265 5,265

2013 Q3 291 6,602 26,152 31,949

2014 Q3 576 36,824 74,558

2015 Q3 8,668 44,236

2016 Q3 7,828



2012 Q3 168,984 200,234 216,734 210,484 210,484

2013 Q3 177,056 437,035 699,435 718,435

2014 Q3 451,728 1,395,970 2,402,513

2015 Q3 1,472,625 3,640,666

2016 Q3 1,046,668



2012 Q3 240 5,265 5,265 5,265 5,265

2013 Q3 291 6,602 26,152 31,949

2014 Q3 576 36,824 74,558

2015 Q3 8,668 44,236

2016 Q3 7,828

Appendix E - CCD Loss Dev Data


Pennsylvania

Loss Development Data: CCD



2012 Q3 216 262 263 263 263

2013 Q3 723 848 849 849

2014 Q3 1,532 1,766 1,770

2015 Q3 2,895 3,281

2016 Q3 3,753



2012 Q3 216 262 263 263 263

2013 Q3 723 848 849 849

2014 Q3 1,532 1,766 1,770

2015 Q3 2,895 3,281

2016 Q3 3,753



2012 Q3 0 0 0 0 0

2013 Q3 0 0 0 0

2014 Q3 0 0 0

2015 Q3 0 0

2016 Q3 0



2012 Q3 336,833 424,340 424,582 424,582 424,582

2013 Q3 1,195,950 1,401,865 1,403,115 1,403,115

2014 Q3 2,355,061 2,854,323 2,862,369

2015 Q3 4,695,644 5,401,731

2016 Q3 6,501,056



2012 Q3 0 0 0 0 0

2013 Q3 2,893 2,893 3,247 3,247

2014 Q3 2,260 2,810 2,520

2015 Q3 12,040 13,527

2016 Q3 15,996



2012 Q3 336,833 424,340 424,582 424,582 424,582

2013 Q3 1,195,950 1,401,865 1,403,115 1,403,115

2014 Q3 2,355,061 2,854,323 2,862,369

2015 Q3 4,695,644 5,401,731

2016 Q3 6,501,056



2012 Q3 0 0 0 0 0

2013 Q3 2,893 2,893 3,247 3,247

2014 Q3 2,260 2,810 2,520

2015 Q3 12,040 13,527

2016 Q3 15,996

Appendix E - COLL Loss Dev Data


Pennsylvania

Loss Development Data: COLL



2012 Q3 271 342 342 343 343

2013 Q3 1,125 1,333 1,336 1,336

2014 Q3 2,574 2,994 3,001

2015 Q3 4,794 5,594

2016 Q3 6,271



2012 Q3 271 342 342 343 343

2013 Q3 1,125 1,333 1,336 1,336

2014 Q3 2,574 2,994 3,001

2015 Q3 4,794 5,594

2016 Q3 6,271



2012 Q3 0 0 0 0 0

2013 Q3 0 0 0 0

2014 Q3 0 0 0

2015 Q3 0 0

2016 Q3 0



2012 Q3 1,265,827 1,661,594 1,662,502 1,662,592 1,662,592

2013 Q3 5,293,051 6,321,509 6,328,220 6,328,355

2014 Q3 12,279,755 14,284,010 14,301,102

2015 Q3 23,882,394 28,301,117

2016 Q3 31,895,102



2012 Q3 5 5 5 5 5

2013 Q3 0 158 158 158

2014 Q3 2,071 2,201 2,058

2015 Q3 32,101 35,773

2016 Q3 20,701



2012 Q3 1,265,827 1,661,594 1,662,502 1,662,592 1,662,592

2013 Q3 5,293,051 6,321,509 6,328,220 6,328,355

2014 Q3 12,279,755 14,284,010 14,301,102

2015 Q3 23,882,394 28,301,117

2016 Q3 31,895,102



2012 Q3 5 5 5 5 5

2013 Q3 0 158 158 158

2014 Q3 2,071 2,201 2,058

2015 Q3 32,101 35,773

2016 Q3 20,701

Appendix E - MEDNF Loss Dev Data


Pennsylvania

Loss Development Data: MEDNF



2012 Q3 204 232 233 235 235

2013 Q3 636 733 738 741

2014 Q3 1,300 1,465 1,476

2015 Q3 2,426 2,765

2016 Q3 2,959



2012 Q3 40 175 178 181 183

2013 Q3 249 541 555 561

2014 Q3 572 1,056 1,096

2015 Q3 842 1,997

2016 Q3 1,237



2012 Q3 28 53 51 52 52

2013 Q3 135 178 176 175

2014 Q3 297 372 369

2015 Q3 347 684

2016 Q3 519



2012 Q3 210,433 558,808 584,879 592,857 593,530

2013 Q3 1,052,977 1,716,802 2,078,598 2,211,840

2014 Q3 1,814,561 3,113,212 3,249,326

2015 Q3 3,549,834 6,510,481

2016 Q3 4,829,358



2012 Q3 7,388 20,203 26,830 28,708 35,090

2013 Q3 16,220 82,932 133,038 154,346

2014 Q3 5,520 43,067 75,382

2015 Q3 20,063 166,686

2016 Q3 63,494



2012 Q3 565,511 584,958 603,646 593,682 593,530

2013 Q3 1,514,005 1,798,716 2,129,619 2,267,822

2014 Q3 2,555,653 3,233,383 3,277,104

2015 Q3 6,867,622 6,880,478

2016 Q3 7,921,494



2012 Q3 7,388 20,203 26,830 28,708 35,090

2013 Q3 16,220 82,932 133,038 154,346

2014 Q3 5,520 43,067 75,382

2015 Q3 20,063 166,686

2016 Q3 63,494

Appendix F

NB Date RB Date Program Chg Type BI PD UM COMP COLL MEDNF Total

3/1/2011 FA2 Launch

7/14/2012 9/4/2012 FA2 % 17.2% 2.9% 17.9% 18.5% -2.1% 11.0% 8.7%

$ 230,779 27,395 100,260 111,298 -38,238 94,502 525,996

3/25/2013 4/23/2013 FA2 % -4.9% 21.5% 37.0% 9.1% 29.0% 10.4% 15.5%

$ -184,694 517,875 533,974 159,901 1,345,030 217,405 2,589,490

5/12/2014 6/10/2014 FA2 % -1.4% -1.4% -1.4% -1.4% -1.4% -1.4% -1.4%

$ -124,540 -88,659 -45,823 -61,759 -183,158 -68,637 -572,576

11/24/2014 12/23/2014 FA2 % -0.3% -0.3% -0.3% -0.3% -0.3% -0.3% -0.3%

$ -34,850 -24,782 -12,638 -17,785 -52,611 -19,236 -161,903

1/26/2015 2/24/2015 FA2 % 4.0% 14.0% 2.0% 2.0% 8.5% 2.0% 6.0%

$ 442,138 1,101,314 80,121 112,104 1,412,920 121,913 3,270,510

7/27/2015 8/25/2015 FA2 % 6.6% 22.0% 12.0% 0.0% 6.6% 0.0% 8.0%

$ 982,686 2,381,073 651,317 0 1,527,233 0 5,542,309

1/25/2016 2/24/2016 FA2 % 10.0% 16.0% 7.0% 0.0% 0.0% 0.0% 5.0%

$ 1,769,971 2,140,038 459,032 0 0 0 4,369,041

2/15/2016 FSPA Launch

4/26/2016 4/26/2016 FA2 % -0.8% -0.8% -0.8% -0.8% -0.8% -0.8% -0.8%

$ -177,109 -154,961 -68,739 -89,778 -288,114 -87,889 -866,589

8/25/2016 FA2 % 5.0% 6.0% 2.0% 2.0% 5.7% 17.0% 6.0%

$ 1,107,918 1,222,536 174,333 219,647 2,028,440 1,775,118 6,527,993

7/27/2016 8/25/2016 FSPA % 5.0% 4.5% 2.0% 5.0% 6.0% 16.0% 6.0%

$ 94,410 83,861 14,782 45,418 172,522 110,784 521,776

2/27/2017 FA2 % 6.0% 7.0% 9.5% 4.0% 5.9% 14.5% 7.0%

$ 1,275,257 1,402,559 789,817 412,201 1,972,200 1,371,164 7,223,198

1/27/2017 2/27/2017 FSPA % 9.0% 9.0% 13.0% 9.5% 10.0% 13.0% 10.0%

$ 437,596 433,926 251,303 230,597 762,831 243,872 2,360,124


Pennsylvania

Rate History

Documents

Filing at a Glance · Exhibit 75 Customization Amount. Exhibit 76 Glass Deductible Buyback Base Rate. Exhibit 77 Residual Debt Factor. Exhibit 78 Rental Coverage. Exhibit 79 Towing