U.S. Property and Casualty Insurance Industry Results\ (in millions, except for percent)\ \\\\table[[For the year ended],[December 31,,YoY Chg,2022,2021,2020,2019,2018,2017,2016,2015,2014,2013],[Net Premiums Written,

8.6%

,781,624,719,927,658,913,642,984,621,786,561,952,537,926,524,006,506,657,486,462],[Net Premiums Earned,

8.5%

,752,562,693,777,646,014,630,776,603,188,549,958,533,236,515,835,497,931,476,792],[Net Losses Incurred,

15.5%

,499,476,432,600,383,308,378,582,366,258,353,954,323,195,296,749,284,934,263,576],[Loss Expenses Incurred,

6.7%

,75,362,70,655,69,888,69,244,64,658,65,218,61,829,60,932,58,706,56,951],[Underwriting Expenses,

5.9%

,200,635,189,526,179,964,173,055,168,228,151,672,148,692,145,753,139,846,136,586],[Underwrting Gain (Loss),

(22,108.8%)

,

(24,574)

,

(111)

,12,100,8,373,2,907,

(22,459)

,

(1,700)

,11,453,14,658,20,127],[Net Loss Ratio,

3.8pts

,

76.4%

,

72.5%

,

70.2%

,

71.0%

,

71.4%

,

76.2%

,

72.2%

,

69.3%

,

69.0%

,

67.2%

U.S. Property and Casualty Insurance Industry Results (in millions, except for percent) U.S. Property and Casualty Insurance Industry Results (in millions, except for percent)