Filing at a Glance General Information - Delaware Insurance ...

SERFF Tracking Number: ALSE-127823434 State: Delaware
Filing Company: Allstate Indemnity Company State Tracking Number: 45814
Company Tracking Number: R24381: AI RATE CHANGE (+15.0%)
TOI: 19.0 Personal Auto Sub-TOI: 19.0001 Private Passenger Auto (PPA)
Product Name: DE AI Rate Change (+15.0%)
Project Name/Number: DE AI Rate Change (+15.0%)/810818
Filing at a Glance
Company: Allstate Indemnity Company
Product Name: DE AI Rate Change (+15.0%) SERFF Tr Num: ALSE-127823434 State: Delaware
TOI: 19.0 Personal Auto SERFF Status: Assigned State Tr Num: 45814
Sub-TOI: 19.0001 Private Passenger Auto
(PPA)
Co Tr Num: R24381: AI RATE
CHANGE (+15.0%)
PDF Pipeline for SERFF Tracking Number ALSE-127823434 Generated 03/05/2012 03:00 PM
State Status: Received
Filing Type: Rate Reviewer(s): Ann Lyon
Author: Rick Wisniewski Disposition Date:
Date Submitted: 11/14/2011 Disposition Status:
Effective Date Requested (New): 01/16/2012 Effective Date (New):
Effective Date Requested (Renewal): 02/25/2012 Effective Date (Renewal):
State Filing Description:
General Information
Project Name: DE AI Rate Change (+15.0%) Status of Filing in Domicile:
Project Number: 810818 Domicile Status Comments:
Reference Organization: Reference Number:
Reference Title: Advisory Org. Circular:
Filing Status Changed: 11/15/2011
State Status Changed: 11/15/2011 Deemer Date:
Created By: Rick Wisniewski Submitted By: Rick Wisniewski
Corresponding Filing Tracking Number:
Filing Description:
The attached packet details the rate change for the Allstate Indemnity Company Private Passenger Automobile Program
in Delaware. The rate change will vary by coverage and will apply to all policyholders. With this filing, we are also
revising the factors for various rating plans, as described in Attachment IV. The overall proposed rate change will be an
increase of +15.0% based on a +27.0% rate level indication.
Details of the revisions are included in the following attachments:
Attachment I contains the Summary of Disclosures.
Attachment II contains the Summary of Rate Level Indication.
Attachment III contains the Rate Level Indication Exhibits.
Attachment IV contains the Rating Plan Changes.
Attachment V contains the Summary of Manual Changes.

SERFF Tracking Number: ALSE-127823434 State: Delaware
Filing Company: Allstate Indemnity Company State Tracking Number: 45814
Company Tracking Number: R24381: AI RATE CHANGE (+15.0%)
TOI: 19.0 Personal Auto Sub-TOI: 19.0001 Private Passenger Auto (PPA)
Product Name: DE AI Rate Change (+15.0%)
Project Name/Number: DE AI Rate Change (+15.0%)/810818
Company and Contact
Filing Contact Information
Rick Wisniewski, Associate State Filings
Director
rwisn@allstate.com
2775 Sanders Road 847-402-0723 [Phone] 20723 [Ext]
Suite A2-W 847-402-9757 [FAX]
Northbrook, IL 60062
Filing Company Information
Allstate Indemnity Company CoCode: 19240 State of Domicile: Illinois
2775 Sanders Rd. Group Code: 8 Company Type: Property and
Casualty
Suite A2-W Group Name: Allstate State ID Number:
Northbrook, IL 60062 FEIN Number: 36-6115679
(847) 402-5000 ext. [Phone]
---------
Filing Fees
Fee Required? Yes
Fee Amount: $50.00
Retaliatory? No
Fee Explanation:
Per Company: Yes
COMPANY AMOUNT DATE PROCESSED TRANSACTION #
Allstate Indemnity Company $50.00 11/14/2011 53726505
PDF Pipeline for SERFF Tracking Number ALSE-127823434 Generated 03/05/2012 03:00 PM

SERFF Tracking Number: ALSE-127823434 State: Delaware
Filing Company: Allstate Indemnity Company State Tracking Number: 45814
Company Tracking Number: R24381: AI RATE CHANGE (+15.0%)
TOI: 19.0 Personal Auto Sub-TOI: 19.0001 Private Passenger Auto (PPA)
Product Name: DE AI Rate Change (+15.0%)
Project Name/Number: DE AI Rate Change (+15.0%)/810818
Rate Information
Rate data applies to filing.
Filing Method: File & use
Rate Change Type: Increase
Overall Percentage of Last Rate Revision: -13.100%
Effective Date of Last Rate Revision: 07/21/2008
Filing Method of Last Filing: File & use
Company Rate Information
Company Name: Overall %
Allstate Indemnity
Company
Indicated
Change:
Overall % Rate
Impact:
Written
Premium
Change for
this Program:
# of Policy
Holders
Affected for this
Program:
Written
Premium for
this Program:
PDF Pipeline for SERFF Tracking Number ALSE-127823434 Generated 03/05/2012 03:00 PM
Maximum %
Change (where
required):
Minimum %
Change (where
required):
27.000% 15.000% $339,581 1,238 $2,263,871 108.500% -40.700%

SERFF Tracking Number: ALSE-127823434 State: Delaware
Filing Company: Allstate Indemnity Company State Tracking Number: 45814
Company Tracking Number: R24381: AI RATE CHANGE (+15.0%)
TOI: 19.0 Personal Auto Sub-TOI: 19.0001 Private Passenger Auto (PPA)
Product Name: DE AI Rate Change (+15.0%)
Project Name/Number: DE AI Rate Change (+15.0%)/810818
Rate/Rule Schedule
Schedule Item
Status:
Exhibit Name: Rule # or Page
#:
Rate Action Previous State Filing Attachments
Number:
Manual Pages Replacement Manual - R24381.pdf
PDF Pipeline for SERFF Tracking Number ALSE-127823434 Generated 03/05/2012 03:00 PM

DELAWARE
VOLUNTARY PRIVATE PASSENGER AUTO
PREMIUM CALCULATION
ROUND AFTER EACH CALCULATION TO THE NEAREST PENNY
STEP
# AA BB VA DD HH
1 TERRITORIAL BASE RATE (RP-2A)
2 RATE ADJUSTMENT FACTOR (PENNY ROUND) x 1.731 x 1.854 x 1.936 x 1.259 x 1.249
3 INCREASED LIMIT FACTOR/ADDEND (RP-3A) x x x
4 PIP DEDUCTIBLE FACTOR (RP-3A) x x x
5 DRIVER CLASSIFICATION FACTOR (RP- 4A, 5A, 6A, 7A and 8A) x x x x x
6 HOUSEHOLD COMPOSITION FACTOR (RP-9A) x x x x x
7 MODEL YEAR FACTOR (RP-10A) x x
8 DEDUCTIBLE BY PGS FACTOR (RP-10A) x x
9 EXPERIENCE GROUP RATING FACTOR (EGR PAGES) x x x x x
10 VEHICLE SURCHARGE FACTOR (RP-11A) x x
11 RESIDENT STUDENT DISCOUNT FACTOR (RP-15A) x x x
12 GOOD STUDENT DISCOUNT FACTOR (RP-15A) x x x x x
13 PASSIVE RESTRAINT DISCOUNT FACTOR (RP-15A) x
14 SENIOR ADULT DISCOUNT FACTOR (RP-15A) x x x x
15 ACCIDENT FACTOR (RP-12A) x x x x
16 MINOR VIOLATION FACTOR (RP-13A) x x x x
17 MAJOR VIOLATION FACTOR (RP-14A) x x x x
18 NONVERIFIABLE DRIVING RECORD SURCHARGE (RP-15A) x x x x
19 INEXPERIENCED OPERATOR SURCHARGE FACTOR (RP-15A) x x x
20 CAMPER UNIT ADDITIONAL PREMIUM (RP-22A) + +
21 DEFENSIVE DRIVER DISCOUNT FACTOR (RP-15A) x x x x
22 TIER FACTOR (RP-16A-21A) x x x x x
23 PERFORMANCE DISCOUNT FACTOR (RP-15A) x x x x x
24 HOMEOWNERSHIP DISCOUNT FACTOR (RP-15A) x x x x x
25 MULTIPLE POLICY DISCOUNT FACTOR (RP-16A) x x x x x
26 CERTIFIED RISK SURCHARGE FACTOR (RP-15A) x x
27 ANTILOCK BRAKE DISCOUNT FACTOR (RP-15A) x x x
28 THE GOOD HANDS PEOPLE® DISCOUNT FACTOR (RP-15A) x x x x x
29 THE GOOD PAYER DISCOUNT FACTOR (RP-15A) x x x x x
30 ALLSTATE® EASY PAY PLAN DISCOUNT FACTOR (RP-15A) x x x x x
31 FUTURE EFFECTIVE DATE DISCOUNT FACTOR (RP-15A) x x x x x
32 TOTAL COVERAGE PREMIUM
33 MINIMUM PREMIUM AMOUNT $10 $5 $5 $15 $5
34 LARGER OF 32 OR 33
UM/UIM COVERAGE (SS) NOTES
35 UM/UIM PREMIUM (RP-2A)
36 RATE ADJUSTMENT FACTOR x 1.000 Territory #:
37 INCREASED LIMIT FACTOR (RP-3A) x
38 TOTAL UM/UIM COVERAGE PREMIUM Tier:
RENTAL REIMBURSEMENT (UU) Classification:
39 BASE RATE (RP-22A)
40 INCREASED LIMIT FACTOR (RP-22A) x Limits of Liability:
41 TOTAL COVERAGE PREMIUM
Model Year:
42 ROADSIDE HELP RATE (JJ) (RP-22A)
43 SOUND SYSTEMS RATE (ZA) (RP-22A) + PGS:
44 TAPE RATE (ZZ) (RP-22A) +
45
LEASE OR LOAN GAP COVERAGE (LG) (RP-3B, LINE 28) OR
REPAIR OR REPLACEMENT COST COVERAGE (RC) (RP-4B, LINE 28) + DD/HH Deductibles:
46 TOTAL MISCELLANEOUS COVERAGES (LINES 42 TO 45) =
Multi Car Y / N
47 LINES 34 (AA+BB+CC+DD+HH) + 38 + 41 + 46
December 1, 2011 Allstate Indemnity Company RP-1A

DELAWARE
VOLUNTARY PRIVATE PASSENGER AUTO
INCREASED LIMITS FACTORS / RATES AND LOYALTY BONUS
BODILY INJURY
INCREASED LIMITS
LIMIT FACTOR LIMIT FACTOR
$ 10/20 (BASE) 1.00 $ 15/30 1.00
15/30 (FR) 1.25 15/40 1.91
15/40 1.31 25/50 2.40
25/50 1.63 30/85 3.39
30/85 1.80 25/100 3.48
25/100 1.85 50/100 4.02
50/100 2.05 100/300 6.47
100/100 2.20 300/300 9.86
100/300 2.60 250/500 10.85
200/300 2.78 300/500 11.05
300/300 2.85 500/500 11.82
250/500 3.07 500/1000 12.67
300/500 3.08 1000/1000 14.68
500/500 3.20
500/1000 3.30
1000/1000 3.52
2000/2000 3.91
RULE 17
UNINSURED / UNDERINSURED MOTORISTS
INCREASED LIMITS
PROPERTY DAMAGE PERSONAL INJURY PROTECTION
INCREASED LIMITS
DEDUCTIBLE FACTORS
LIMIT FACTOR
$10,000 (FR) 0.910 INCREASED LIMITS Named Named Insured &
25,000 1.000 Insured Only Members Of Household
50,000 1.065 LIMIT FACTOR DEDUCTIBLE Factor Factor
100,000 1.130 VA04 1.00 $0 1.00 1.00
200,000 1.195 VA02 1.10 $250 0.90 0.85
300,000 1.236 VA03 1.20 $500 0.85 0.80
400,000 1.277 VA05 1.50 $1,000 0.80 0.75
500,000 1.319 $10,000 0.75 0.55
750,000 1.360
1,000,000 1.401
2,000,000 1.545
RULE 3
POLICY FEES
RATING POLICY
GROUP FEE
1 $30
2 $30
3 $30
4 $30
5 $30
6 $30
7 $30
8 $30
RULE 53
LOYALTY BONUS
Percent
Bonus 10%
December 1, 2011 Allstate Indemnity Company RP-3A

DELAWARE
VOLUNTARY PRIVATE PASSENGER AUTO
DRIVER CLASSIFICATION FACTORS
RULE 11
Classification Mileage Use Class Code AA BB VA DD HH
14-16 Male Single Basic All All MB1 2.00 2.18 0.95 1.77 1.32
17 Male Single Basic MB2 1.79 1.80 0.95 1.77 1.32
18 Male Single Basic MB3 1.79 1.58 0.95 1.77 1.32
19 Male Single Basic MB4 1.39 1.34 0.95 1.77 1.32
20 Male Single Basic MB5 1.16 1.20 0.95 1.53 1.32
21 Male Single Basic MB6 1.16 1.10 0.95 1.53 1.32
22 Male Single Basic MB7 1.09 1.10 0.95 1.29 1.04
23 Male Single Basic MB8 1.09 1.10 0.95 1.29 1.04
24 Male Single Basic MB9 1.09 1.10 0.95 1.29 1.04
14-16 Male Single Restricted All All MR1 1.90 2.07 0.95 1.68 1.13
17 Male Single Restricted MR2 1.70 1.71 0.95 1.68 1.13
18 Male Single Restricted MR3 1.70 1.50 0.95 1.68 1.13
19 Male Single Restricted MR4 1.32 1.27 0.95 1.68 1.13
20 Male Single Restricted MR5 1.10 1.14 0.95 1.46 1.13
21 Male Single Restricted MR6 1.10 1.04 0.95 1.46 1.13
22 Male Single Restricted MR7 1.04 1.04 0.95 1.24 0.89
23 Male Single Restricted MR8 1.04 1.04 0.95 1.24 0.89
24 Male Single Restricted MR9 1.04 1.04 0.95 1.24 0.89
25-29 Male Single Short Pleasure MS1SP 1.00 1.04 1.00 1.24 1.21
Work 0-3 MS1SW 0-3 1.00 1.04 1.00 1.24 1.21
Work 3.1-9.9 MS1SW 3.1-9.9 1.00 1.04 1.00 1.24 1.21
Work 10-20 MS1SW 10-20 1.00 1.04 1.00 1.24 1.21
Work 20+ MS1SW 20+ 1.00 1.04 1.00 1.24 1.21
Business MS1SB 1.34 1.21 1.00 1.24 1.21
Long Pleasure MS1LP 1.00 1.04 1.00 1.24 1.21
Work 0-3 MS1LW 0-3 1.00 1.04 1.00 1.24 1.21
Work 3.1-9.9 MS1LW 3.1-9.9 1.00 1.04 1.00 1.24 1.21
Work 10-20 MS1LW 10-20 1.00 1.04 1.00 1.24 1.21
Work 20+ MS1LW 20+ 1.00 1.04 1.00 1.24 1.21
Business MS1LB 1.34 1.21 1.00 1.24 1.21
30-49 Male Single Short Pleasure MS2SP 1.00 1.00 1.00 1.03 1.08
Work 0-3 MS2SW 0-3 1.00 1.00 1.00 1.03 1.08
Work 3.1-9.9 MS2SW 3.1-9.9 1.00 1.00 1.00 1.03 1.08
Work 10-20 MS2SW 10-20 1.00 1.00 1.00 1.03 1.08
Work 20+ MS2SW 20+ 1.00 1.00 1.00 1.03 1.08
Business MS2SB 1.34 1.16 1.00 1.03 1.08
Long Pleasure MS2LP 1.00 1.00 1.00 1.03 1.08
Work 0-3 MS2LW 0-3 1.00 1.00 1.00 1.03 1.08
Work 3.1-9.9 MS2LW 3.1-9.9 1.00 1.00 1.00 1.03 1.08
Work 10-20 MS2LW 10-20 1.00 1.00 1.00 1.03 1.08
Work 20+ MS2LW 20+ 1.00 1.00 1.00 1.03 1.08
Business MS2LB 1.34 1.16 1.00 1.03 1.08
14-16 Male Married All All MM1 1.83 2.07 0.89 1.68 1.16
17 Male Married MM2 1.64 1.71 0.89 1.68 1.16
18 Male Married MM3 1.64 1.50 0.89 1.68 1.16
19 Male Married MM4 1.27 1.27 0.89 1.68 1.16
20 Male Married MM5 1.06 1.14 0.89 1.46 1.16
21 Male Married MM6 1.06 1.02 0.89 1.46 1.16
22 Male Married MM7 1.00 1.02 0.89 1.05 1.12
23 Male Married MM8 1.00 1.02 0.89 1.05 1.12
24 Male Married MM9 1.00 1.02 0.89 1.05 1.12
25-29 Male Married Short Pleasure MM10SP 1.00 0.93 1.00 0.99 1.12
Work 0-3 MM10SW 0-3 1.00 0.93 1.00 0.99 1.12
Work 3.1-9.9 MM10SW 3.1-9.9 1.00 0.93 1.00 0.99 1.12
Work 10-20 MM10SW 10-20 1.00 0.93 1.00 0.99 1.12
Work 20+ MM10SW 20+ 1.00 0.93 1.00 0.99 1.12
Business MM10SB 1.34 1.07 1.00 0.99 1.12
December 1, 2011 Allstate Indemnity Company RP-4A

DELAWARE
VOLUNTARY PRIVATE PASSENGER AUTO
DRIVER CLASSIFICATION FACTORS
RULE 11
Classification Mileage Use Class Code AA BB VA DD HH
Long Pleasure MM10LP 1.00 0.93 1.00 0.99 1.12
Work 0-3 MM10LW 0-3 1.00 0.93 1.00 0.99 1.12
Work 3.1-9.9 MM10LW 3.1-9.9 1.00 0.93 1.00 0.99 1.12
Work 10-20 MM10LW 10-20 1.00 0.93 1.00 0.99 1.12
Work 20+ MM10LW 20+ 1.00 0.93 1.00 0.99 1.12
Business MM10LB 1.34 1.07 1.00 0.99 1.12
30-49 Male Married Short Pleasure MM11SP 1.00 0.93 1.00 0.91 0.90
Work 0-3 MM11SW 0-3 1.00 0.93 1.00 0.91 0.90
Work 3.1-9.9 MM11SW 3.1-9.9 1.00 0.93 1.00 0.91 0.90
Work 10-20 MM11SW 10-20 1.00 0.93 1.00 0.91 0.90
Work 20+ MM11SW 20+ 1.00 0.93 1.00 0.91 0.90
Business MM11SB 1.34 1.08 1.00 0.91 0.90
Long Pleasure MM11LP 1.00 0.93 1.00 0.91 0.90
Work 0-3 MM11LW 0-3 1.00 0.93 1.00 0.91 0.90
Work 3.1-9.9 MM11LW 3.1-9.9 1.00 0.93 1.00 0.91 0.90
Work 10-20 MM11LW 10-20 1.00 0.93 1.00 0.91 0.90
Work 20+ MM11LW 20+ 1.00 0.93 1.00 0.91 0.90
Business MM11LB 1.34 1.08 1.00 0.91 0.90
14-16 Female Single Basic All All FB1 1.84 1.84 1.23 1.43 1.02
17 Female Single Basic FB2 1.43 1.49 1.23 1.43 1.02
18 Female Single Basic FB3 1.43 1.40 1.23 1.43 1.02
19 Female Single Basic FB4 1.39 1.24 1.23 1.43 1.02
20 Female Single Basic FB5 1.16 1.10 1.23 1.22 1.02
21 Female Single Basic FB6 1.16 1.10 1.23 1.22 1.02
22 Female Single Basic FB7 1.09 1.10 1.23 1.19 0.91
23 Female Single Basic FB8 1.09 1.10 1.23 1.19 0.91
24 Female Single Basic FB9 1.09 1.10 1.23 1.19 0.91
14-16 Female Single Restricted All All FR1 1.75 1.75 1.23 1.36 0.87
17 Female Single Restricted FR2 1.36 1.41 1.23 1.36 0.87
18 Female Single Restricted FR3 1.36 1.33 1.23 1.36 0.87
19 Female Single Restricted FR4 1.32 1.17 1.23 1.36 0.87
20 Female Single Restricted FR5 1.10 1.04 1.23 1.16 0.87
21 Female Single Restricted FR6 1.10 1.04 1.23 1.16 0.87
22 Female Single Restricted FR7 1.04 1.04 1.23 1.14 0.78
23 Female Single Restricted FR8 1.04 1.04 1.23 1.14 0.78
24 Female Single Restricted FR9 1.04 1.04 1.23 1.14 0.78
25-29 Female Single Short Pleasure FS1SP 1.00 1.04 1.07 1.14 1.06
Work 0-3 FS1SW 0-3 1.00 1.04 1.07 1.14 1.06
Work 3.1-9.9 FS1SW 3.1-9.9 1.00 1.04 1.07 1.14 1.06
Work 10-20 FS1SW 10-20 1.00 1.04 1.07 1.14 1.06
Work 20+ FS1SW 20+ 1.00 1.04 1.07 1.14 1.06
Business FS1SB 1.34 1.21 1.07 1.14 1.06
Long Pleasure FS1LP 1.00 1.04 1.07 1.14 1.06
Work 0-3 FS1LW 0-3 1.00 1.04 1.07 1.14 1.06
Work 3.1-9.9 FS1LW 3.1-9.9 1.00 1.04 1.07 1.14 1.06
Work 10-20 FS1LW 10-20 1.00 1.04 1.07 1.14 1.06
Work 20+ FS1LW 20+ 1.00 1.04 1.07 1.14 1.06
Business FS1LB 1.34 1.21 1.07 1.14 1.06
30-49 Female Single Short Pleasure FS2SP 1.00 1.00 1.07 1.00 1.00
Work 0-3 FS2SW 0-3 1.00 1.00 1.07 1.00 1.00
Work 3.1-9.9 FS2SW 3.1-9.9 1.00 1.00 1.07 1.00 1.00
Work 10-20 FS2SW 10-20 1.00 1.00 1.07 1.00 1.00
Work 20+ FS2SW 20+ 1.00 1.00 1.07 1.00 1.00
Business FS2SB 1.34 1.16 1.07 1.00 1.00
December 1, 2011 Allstate Indemnity Company RP-5A

DELAWARE
VOLUNTARY PRIVATE PASSENGER AUTO
DRIVER CLASSIFICATION FACTORS
RULE 11
Classification Mileage Use Class Code AA BB VA DD HH
Long Pleasure FS2LP 1.00 1.00 1.07 1.00 1.00
Work 0-3 FS2LW 0-3 1.00 1.00 1.07 1.00 1.00
Work 3.1-9.9 FS2LW 3.1-9.9 1.00 1.00 1.07 1.00 1.00
Work 10-20 FS2LW 10-20 1.00 1.00 1.07 1.00 1.00
Work 20+ FS2LW 20+ 1.00 1.00 1.07 1.00 1.00
Business FS2LB 1.34 1.16 1.07 1.00 1.00
14-16 Female Married All All FM1 1.68 1.75 1.15 1.36 1.10
17 Female Married FM2 1.31 1.41 1.15 1.36 1.10
18 Female Married FM3 1.31 1.33 1.15 1.36 1.10
19 Female Married FM4 1.27 1.17 1.15 1.36 1.10
20 Female Married FM5 1.06 1.01 1.15 1.08 1.10
21 Female Married FM6 1.06 1.01 1.15 1.08 1.10
22 Female Married FM7 0.89 1.01 1.15 1.05 0.99
23 Female Married FM8 0.89 1.01 1.15 1.05 0.99
24 Female Married FM9 0.89 1.01 1.15 1.05 0.99
25-29 Female Married Short Pleasure FM10SP 0.89 1.01 1.07 0.99 0.99
Work 0-3 FM10SW 0-3 0.89 1.01 1.07 0.99 0.99
Work 3.1-9.9 FM10SW 3.1-9.9 0.89 1.01 1.07 0.99 0.99
Work 10-20 FM10SW 10-20 0.89 1.01 1.07 0.99 0.99
Work 20+ FM10SW 20+ 0.89 1.01 1.07 0.99 0.99
Business FM10SB 1.19 1.17 1.07 0.99 0.99
Long Pleasure FM10LP 0.89 1.01 1.07 0.99 0.99
Work 0-3 FM10LW 0-3 0.89 1.01 1.07 0.99 0.99
Work 3.1-9.9 FM10LW 3.1-9.9 0.89 1.01 1.07 0.99 0.99
Work 10-20 FM10LW 10-20 0.89 1.01 1.07 0.99 0.99
Work 20+ FM10LW 20+ 0.89 1.01 1.07 0.99 0.99
Business FM10LB 1.19 1.17 1.07 0.99 0.99
30-49 Female Married Short Pleasure FM11SP 1.00 0.98 1.07 0.96 0.90
Work 0-3 FM11SW 0-3 1.00 0.98 1.07 0.96 0.90
Work 3.1-9.9 FM11SW 3.1-9.9 1.00 0.98 1.07 0.96 0.90
Work 10-20 FM11SW 10-20 1.00 0.98 1.07 0.96 0.90
Work 20+ FM11SW 20+ 1.00 0.98 1.07 0.96 0.90
Business FM11SB 1.34 1.14 1.07 0.96 0.90
Long Pleasure FM11LP 1.00 0.98 1.07 0.96 0.90
Work 0-3 FM11LW 0-3 1.00 0.98 1.07 0.96 0.90
Work 3.1-9.9 FM11LW 3.1-9.9 1.00 0.98 1.07 0.96 0.90
Work 10-20 FM11LW 10-20 1.00 0.98 1.07 0.96 0.90
Work 20+ FM11LW 20+ 1.00 0.98 1.07 0.96 0.90
Business FM11LB 1.34 1.14 1.07 0.96 0.90
50-54 Single Short Pleasure SMA1SP 1.03 0.95 0.86 0.95 0.87
Work 0-3 SMA1SW 0-3 1.03 0.95 0.86 0.95 0.87
Work 3.1-9.9 SMA1SW 3.1-9.9 1.03 0.95 0.86 0.95 0.87
Work 10-20 SMA1SW 10-20 1.03 0.95 0.86 0.95 0.87
Work 20+ SMA1SW 20+ 1.03 0.95 0.86 0.95 0.87
Business SMA1SB 1.38 1.10 0.86 0.95 0.87
Long Pleasure SMA1LP 1.03 0.95 0.86 0.95 0.87
Work 0-3 SMA1LW 0-3 1.03 0.95 0.86 0.95 0.87
Work 3.1-9.9 SMA1LW 3.1-9.9 1.03 0.95 0.86 0.95 0.87
Work 10-20 SMA1LW 10-20 1.03 0.95 0.86 0.95 0.87
Work 20+ SMA1LW 20+ 1.03 0.95 0.86 0.95 0.87
Business SMA1LB 1.38 1.10 0.86 0.95 0.87
55-59 Single Short Pleasure SMA2SP 1.03 0.95 0.85 0.92 0.87
Work 0-3 SMA2SW 0-3 1.03 0.95 0.85 0.92 0.87
Work 3.1-9.9 SMA2SW 3.1-9.9 1.03 0.95 0.85 0.92 0.87
Work 10-20 SMA2SW 10-20 1.03 0.95 0.85 0.92 0.87
Work 20+ SMA2SW 20+ 1.03 0.95 0.85 0.92 0.87
Business SMA2SB 1.38 1.10 0.85 0.92 0.87
December 1, 2011 Allstate Indemnity Company RP-6A

DELAWARE
VOLUNTARY PRIVATE PASSENGER AUTO
DRIVER CLASSIFICATION FACTORS
RULE 11
Classification Mileage Use Class Code AA BB VA DD HH
Long Pleasure SMA2LP 1.03 0.95 0.85 0.92 0.87
Work 0-3 SMA2LW 0-3 1.03 0.95 0.85 0.92 0.87
Work 3.1-9.9 SMA2LW 3.1-9.9 1.03 0.95 0.85 0.92 0.87
Work 10-20 SMA2LW 10-20 1.03 0.95 0.85 0.92 0.87
Work 20+ SMA2LW 20+ 1.03 0.95 0.85 0.92 0.87
Business SMA2LB 1.38 1.10 0.85 0.92 0.87
60-64 Single Short Pleasure SMA3SP 1.03 0.94 0.85 0.91 0.76
Work 0-3 SMA3SW 0-3 1.03 0.94 0.85 0.91 0.76
Work 3.1-9.9 SMA3SW 3.1-9.9 1.03 0.94 0.85 0.91 0.76
Work 10-20 SMA3SW 10-20 1.03 0.94 0.85 0.91 0.76
Work 20+ SMA3SW 20+ 1.03 0.94 0.85 0.91 0.76
Business SMA3SB 1.38 1.10 0.85 0.91 0.76
Long Pleasure SMA3LP 1.03 0.94 0.85 0.91 0.76
Work 0-3 SMA3LW 0-3 1.03 0.94 0.85 0.91 0.76
Work 3.1-9.9 SMA3LW 3.1-9.9 1.03 0.94 0.85 0.91 0.76
Work 10-20 SMA3LW 10-20 1.03 0.94 0.85 0.91 0.76
Work 20+ SMA3LW 20+ 1.03 0.94 0.85 0.91 0.76
Business SMA3LB 1.38 1.10 0.85 0.91 0.76
65-70 Single Short All SMA4S 1.08 1.03 0.83 0.97 0.76
71-75 Single SMA5S 1.18 1.16 0.83 0.98 0.76
76-80 Single SMA6S 1.22 1.29 0.72 1.13 0.76
81-85 Single SMA7S 1.23 1.51 0.72 1.23 0.76
86+ Single SMA8S 1.23 1.57 0.72 1.25 0.76
65-70 Single Long All SMA4L 1.08 1.03 0.83 0.97 0.76
71-75 Single SMA5L 1.18 1.16 0.83 0.98 0.76
76-80 Single SMA6L 1.22 1.29 0.72 1.13 0.76
81-85 Single SMA7L 1.23 1.51 0.72 1.23 0.76
86+ Single SMA8L 1.23 1.57 0.72 1.25 0.76
50-54 Married Short Pleasure MMA1SP 1.03 0.94 0.94 0.91 0.79
Work 0-3 MMA1SW 0-3 1.03 0.94 0.94 0.91 0.79
Work 3.1-9.9 MMA1SW 3.1-9.9 1.03 0.94 0.94 0.91 0.79
Work 10-20 MMA1SW 10-20 1.03 0.94 0.94 0.91 0.79
Work 20+ MMA1SW 20+ 1.03 0.94 0.94 0.91 0.79
Business MMA1SB 1.38 1.09 0.94 0.91 0.79
Long Pleasure MMA1LP 1.03 0.94 0.94 0.91 0.79
Work 0-3 MMA1LW 0-3 1.03 0.94 0.94 0.91 0.79
Work 3.1-9.9 MMA1LW 3.1-9.9 1.03 0.94 0.94 0.91 0.79
Work 10-20 MMA1LW 10-20 1.03 0.94 0.94 0.91 0.79
Work 20+ MMA1LW 20+ 1.03 0.94 0.94 0.91 0.79
Business MMA1LB 1.38 1.09 0.94 0.91 0.79
55-59 Married Short Pleasure MMA2SP 0.96 0.94 0.84 0.88 0.79
Work 0-3 MMA2SW 0-3 0.96 0.94 0.84 0.88 0.79
Work 3.1-9.9 MMA2SW 3.1-9.9 0.96 0.94 0.84 0.88 0.79
Work 10-20 MMA2SW 10-20 0.96 0.94 0.84 0.88 0.79
Work 20+ MMA2SW 20+ 0.96 0.94 0.84 0.88 0.79
Business MMA2SB 1.29 1.09 0.84 0.88 0.79
Long Pleasure MMA2LP 0.96 0.94 0.84 0.88 0.79
Work 0-3 MMA2LW 0-3 0.96 0.94 0.84 0.88 0.79
Work 3.1-9.9 MMA2LW 3.1-9.9 0.96 0.94 0.84 0.88 0.79
Work 10-20 MMA2LW 10-20 0.96 0.94 0.84 0.88 0.79
Work 20+ MMA2LW 20+ 0.96 0.94 0.84 0.88 0.79
Business MMA2LB 1.29 1.09 0.84 0.88 0.79
December 1, 2011 Allstate Indemnity Company RP-7A

DELAWARE
VOLUNTARY PRIVATE PASSENGER AUTO
DRIVER CLASSIFICATION FACTORS
RULE 11
Classification Mileage Use Class Code AA BB VA DD HH
60-64 Married Short Pleasure MMA3SP 0.93 0.88 0.84 0.88 0.77
Work 0-3 MMA3SW 0-3 0.93 0.88 0.84 0.88 0.77
Work 3.1-9.9 MMA3SW 3.1-9.9 0.93 0.88 0.84 0.88 0.77
Work 10-20 MMA3SW 10-20 0.93 0.88 0.84 0.88 0.77
Work 20+ MMA3SW 20+ 0.93 0.88 0.84 0.88 0.77
Business MMA3SB 1.24 1.02 0.84 0.88 0.77
Long Pleasure MMA3LP 0.93 0.88 0.84 0.88 0.77
Work 0-3 MMA3LW 0-3 0.93 0.88 0.84 0.88 0.77
Work 3.1-9.9 MMA3LW 3.1-9.9 0.93 0.88 0.84 0.88 0.77
Work 10-20 MMA3LW 10-20 0.93 0.88 0.84 0.88 0.77
Work 20+ MMA3LW 20+ 0.93 0.88 0.84 0.88 0.77
Business MMA3LB 1.24 1.02 0.84 0.88 0.77
65-70 Married Short All MMA4S 1.08 0.97 0.78 0.89 0.77
71-75 Married MMA5S 1.18 1.09 0.78 0.90 0.68
76-80 Married MMA6S 1.22 1.21 0.68 1.03 0.68
81-85 Married MMA7S 1.22 1.42 0.68 1.12 0.68
86+ Married MMA8S 1.22 1.47 0.68 1.14 0.68
65-70 Married Long All MMA4L 1.08 0.97 0.78 0.89 0.77
71-75 Married MMA5L 1.18 1.09 0.78 0.90 0.68
76-80 Married MMA6L 1.22 1.21 0.68 1.03 0.68
81-85 Married MMA7L 1.22 1.42 0.68 1.12 0.68
86+ Married MMA8L 1.22 1.47 0.68 1.14 0.68
Extra Vehicles All All EXV 1.08 1.02 1.15 1.07 0.97
December 1, 2011 Allstate Indemnity Company RP-8A

DELAWARE
VOLUNTARY PRIVATE PASSENGER AUTO
HOUSEHOLD COMPOSITION FACTORS
RULE 48
One Operator on Policy
Number of Youngest Driver Age 14-20 Youngest Driver Age 21-24 Youngest Driver Age 25+
Vehicles AA BB VA DD HH AA BB VA DD HH AA BB VA DD HH
1 1.39 1.60 1.00 1.49 1.53 1.25 1.26 1.00 1.32 1.33 1.00 1.00 1.00 1.00 1.00
2 1.00 1.05 0.64 1.63 1.74 0.82 0.88 0.64 1.20 1.74 0.75 0.79 0.64 0.87 1.04
3 1.00 1.05 0.43 1.11 1.74 0.82 0.88 0.43 0.93 1.74 0.75 0.79 0.43 0.75 1.04
4+ 1.00 1.05 0.43 1.11 1.74 0.82 0.88 0.43 0.93 1.74 0.75 0.79 0.43 0.75 1.04
Two Operators on Policy
Number of Youngest Driver Age 14-20 Youngest Driver Age 21-24 Youngest Driver Age 25+
Vehicles AA BB VA DD HH AA BB VA DD HH AA BB VA DD HH
1 1.14 1.37 1.13 1.34 1.48 1.00 1.05 1.13 1.06 1.30 0.86 0.94 1.14 0.91 1.04
2 0.94 1.07 0.82 1.16 1.03 0.82 0.91 0.82 0.98 1.03 0.74 0.80 0.82 0.80 0.90
3 1.00 1.05 0.64 1.11 1.10 0.82 0.88 0.64 0.93 1.10 0.75 0.79 0.64 0.75 1.04
4+ 1.00 1.05 0.43 1.11 1.14 0.82 0.88 0.43 0.93 1.14 0.75 0.79 0.43 0.75 1.04
Three Operators on Policy
Number of Youngest Driver Age 14-20 Youngest Driver Age 21-24 Youngest Driver Age 25+
Vehicles AA BB VA DD HH AA BB VA DD HH AA BB VA DD HH
1 1.23 1.46 1.13 1.30 1.48 1.23 1.12 1.13 1.18 1.30 1.19 1.01 1.13 1.01 1.04
2 1.14 1.14 0.91 1.15 1.08 1.00 0.88 0.91 1.01 1.08 0.86 0.86 0.91 0.89 1.04
3 0.93 1.08 0.68 1.09 1.08 0.80 0.91 0.68 1.03 1.08 0.81 0.80 0.68 0.86 1.04
4+ 1.00 1.05 0.64 1.11 1.08 0.82 0.88 0.64 0.93 1.08 0.75 0.79 0.64 0.75 1.04
Four or More Operators on Policy
Number of Youngest Driver Age 14-20 Youngest Driver Age 21-24 Youngest Driver Age 25+
Vehicles AA BB VA DD HH AA BB VA DD HH AA BB VA DD HH
1 1.23 1.46 1.13 1.30 1.48 1.23 1.12 1.13 1.18 1.30 1.19 1.01 1.13 1.01 1.04
2 1.23 1.46 0.91 1.30 1.09 1.23 1.12 0.91 1.18 1.09 1.19 1.01 0.91 1.01 1.04
3 1.14 1.14 0.91 1.15 1.09 1.00 0.88 0.91 1.01 1.09 0.86 0.86 0.91 0.89 1.04
4+ 0.93 1.08 0.68 1.09 1.09 0.80 0.91 0.68 1.03 1.09 0.81 0.80 0.68 0.86 1.04
December 1, 2011 Allstate Indemnity Company RP-9A

COLLISION AND COMPREHENSIVE
MODEL YEAR FACTORS
RULE 21
LEASE OR LOAN GAP COVERAGE (RULE 41)
COLLISION FACTOR = 0.07
COMPREHENSIVE FACTOR = 0.07
MODEL
YEAR FACTOR Note: Both Collision and Comprehensive must be purchased.
2012 3.82
2011 3.57 REPAIR OR REPLACEMENT COST COVERAGE (RULE 42)
2010 3.34
2009 3.12 COLLISION FACTOR = 0.10
2008 2.92
2007 2.78 Note: Both Collision and Comprehensive must be purchased.
2006 2.65
2005 2.52
2004 2.40
2003 2.29
2002 & 2.18
PRIOR
DELAWARE
VOLUNTARY PRIVATE PASSENGER AUTO
PHYSICAL DAMAGE RATING FACTORS
SUBSEQUENT MODEL YEAR ADJUSTMENT:
For model year factors not shown in the table, apply the following
annual increase to the most recent model year factor shown above.
Round to two decimal places after each calculations.
Collision = 7%
Comprehensive = 7%
DEDUCTIBLE BY PGS FACTOR DEDUCTIBLE BY PGS FACTOR
RULES 19 AND 20 RULES 19 AND 20
COLLISION COMPREHENSIVE
DEDUCTIBLE DEDUCTIBLE
PGS $200* $250 $500 $1,000 PGS $100 $150 $250 $500 $1,000
M 0.75 0.71 0.54 0.34 M 0.71 0.60 0.48 0.37 0.26
O 0.91 0.87 0.71 0.51 O 0.92 0.80 0.67 0.54 0.41
S 1.03 1.00 0.85 0.64 S 1.34 1.17 1.00 0.83 0.66
T 1.18 1.15 0.99 0.73 T 1.80 1.59 1.37 1.16 0.94
U 1.33 1.29 1.12 0.89 U 2.28 2.06 1.83 1.68 1.37
V 1.49 1.44 1.25 1.01 V 2.77 2.56 2.31 2.01 1.74
W 1.68 1.63 1.43 1.16 W 3.34 3.12 2.80 2.48 2.15
N 1.88 1.84 1.60 1.32 N 4.05 3.79 3.44 3.02 2.62
P 1.88 1.84 1.60 1.32 P 4.05 3.79 3.44 3.02 2.62
Q 2.19 2.14 1.93 1.63 Q 5.29 4.95 4.50 3.94 3.43
R 2.19 2.14 1.93 1.63 R 5.29 4.95 4.50 3.94 3.43
G 2.19 2.14 1.93 1.63 G 5.29 4.95 4.50 3.94 3.43
I 2.64 2.59 2.34 1.98 I 7.14 6.84 6.39 5.71 4.96
K 2.64 2.59 2.34 1.98 K 7.14 6.84 6.39 5.71 4.96
C 3.19 3.13 2.86 2.46 C 9.42 9.03 8.44 7.75 6.77
D 3.70 3.63 3.36 2.89 D 11.68 11.31 10.58 9.85 8.64
E 4.33 4.24 3.92 3.38 E 13.77 13.34 12.48 11.62 10.18
F 4.96 4.85 4.54 3.92 F 16.01 15.51 14.50 13.50 11.84
H 5.61 5.49 5.14 4.44 H 18.64 18.05 16.88 15.72 13.78
J 5.97 5.85 5.47 4.73 J 21.82 21.14 19.77 18.41 16.14
L 6.69 6.55 6.13 5.29 L 23.09 22.36 20.92 19.48 17.07
* These deductibles are available for existing policyholders prior to September 28, 1987 and Allstate Insurance Company transfers only.
December 1, 2011 Allstate Indemnity Company RP-10A

DELAWARE
VOLUNTARY PRIVATE PASSENGER AUTO
ACCIDENT FACTORS
RULE 12
RATED OPERATOR AGE 20 OR LESS:
0-11
Months Since Most Recent Chargeable Accident
12-23 24-35
# of Chargeable
Accidents in Last
3 Years
AA BB VA DD AA BB VA DD AA BB VA DD
0 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
1 1.39 1.22 1.20 1.20 1.16 1.10 1.20 1.11 1.12 1.03 1.03 1.00
2 1.72 1.38 1.33 1.35 1.72 1.24 1.33 1.24 1.72 1.24 1.12 1.24
3
Each Additional
1.99 1.89 2.18 1.82 1.79 1.52 1.86 1.52 1.79 1.52 1.86 1.52
Accident add 0.28 add 0.28 add 0.29 add 0.26 add 0.28 add 0.28 add 0.29 add 0.26 add 0.28 add 0.28 add 0.29 add 0.26
RATED OPERATOR AGE 21 - 24:
0-11
Months Since Most Recent Chargeable Accident
12-23 24-35
# of Chargeable
Accidents in Last
3 Years
AA BB VA DD AA BB VA DD AA BB VA DD
0 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
1 1.39 1.22 1.23 1.20 1.16 1.10 1.23 1.11 1.12 1.03 1.06 1.00
2 1.72 1.38 1.37 1.35 1.72 1.24 1.37 1.24 1.72 1.24 1.15 1.24
3
Each Additional
1.99 1.89 2.24 1.82 1.79 1.52 1.92 1.52 1.79 1.52 1.92 1.52
Accident add 0.28 add 0.28 add 0.29 add 0.26 add 0.28 add 0.28 add 0.29 add 0.26 add 0.28 add 0.28 add 0.29 add 0.26
RATED OPERATOR AGE 25 - 49:
0-11
Months Since Most Recent Chargeable Accident
12-23 24-35
# of Chargeable
Accidents in Last
3 Years
AA BB VA DD AA BB VA DD AA BB VA DD
0 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
1 1.39 1.45 1.23 1.34 1.16 1.31 1.23 1.23 1.12 1.21 1.06 1.10
2 1.72 1.79 1.37 1.69 1.72 1.60 1.37 1.55 1.72 1.60 1.15 1.55
3
Each Additional
1.99 2.82 2.24 2.46 1.79 2.26 1.92 2.05 1.79 2.26 1.92 2.05
Accident add 0.96 add 0.91 add 0.42 add 0.66 add 0.96 add 0.91 add 0.42 add 0.66 add 0.96 add 0.91 add 0.42 add 0.66
RATED OPERATOR AGE 50 OR OLDER:
0-11
Months Since Most Recent Chargeable Accident
12-23 24-35
# of Chargeable
Accidents in Last
3 Years
AA BB VA DD AA BB VA DD AA BB VA DD
0 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
1 1.75 1.55 1.53 1.55 1.46 1.40 1.53 1.42 1.40 1.30 1.31 1.27
2 2.08 2.16 1.81 1.86 2.08 1.94 1.81 1.70 2.08 1.94 1.51 1.70
3
Each Additional
4.06 2.89 2.98 2.69 3.64 2.31 2.55 2.23 3.64 2.31 2.55 2.23
Accident add 2.01 add 1.33 add 1.24 add 1.07 add 2.01 add 1.33 add 1.24 add 1.07 add 2.01 add 1.33 add 1.24 add 1.07
December 1, 2011 Allstate Indemnity Company RP-12A

DELAWARE
VOLUNTARY PRIVATE PASSENGER AUTO
MINOR VIOLATION FACTORS
RULE 12
RATED OPERATOR AGE 20 OR LESS:
0-11
Months Since Most Recent Minor Violation
12-23 24-35
# of Minor
Violations in Last
3 Years
AA BB VA DD AA BB VA DD AA BB VA DD
0 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
1 1.00 1.00 1.00 1.04 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
2 1.01 1.07 1.13 1.10 1.00 1.00 1.13 1.10 1.00 1.00 1.13 1.10
3
Each Additional
1.13 1.13 1.16 1.27 1.08 1.07 1.16 1.15 1.08 1.07 1.16 1.12
Minor Violation add 0.02 add 0.02 add 0.05 add 0.06 add 0.02 add 0.02 add 0.05 add 0.06 add 0.02 add 0.02 add 0.05 add 0.06
RATED OPERATOR AGE 21 - 24:
0-11
Months Since Most Recent Minor Violation
12-23 24-35
# of Minor
Violations in Last
3 Years
AA BB VA DD AA BB VA DD AA BB VA DD
0 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
1 1.15 1.06 1.00 1.15 1.15 1.06 1.00 1.09 1.05 1.06 1.00 1.05
2 1.20 1.29 1.13 1.22 1.19 1.17 1.13 1.22 1.19 1.17 1.13 1.22
3
Each Additional
1.35 1.29 1.16 1.40 1.29 1.19 1.16 1.27 1.29 1.19 1.16 1.24
Minor Violation add 0.10 add 0.08 add 0.05 add 0.11 add 0.10 add 0.08 add 0.05 add 0.11 add 0.10 add 0.08 add 0.05 add 0.11
RATED OPERATOR AGE 25 - 49:
0-11
Months Since Most Recent Minor Violation
12-23 24-35
# of Minor
Violations in Last
3 Years
AA BB VA DD AA BB VA DD AA BB VA DD
0 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
1 1.15 1.10 1.00 1.19 1.15 1.10 1.00 1.13 1.05 1.10 1.00 1.09
2 1.20 1.32 1.13 1.26 1.19 1.21 1.13 1.26 1.19 1.21 1.13 1.26
3
Each Additional
1.35 1.39 1.16 1.45 1.29 1.32 1.16 1.31 1.29 1.32 1.16 1.28
Minor Violation add 0.10 add 0.13 add 0.05 add 0.14 add 0.10 add 0.13 add 0.05 add 0.14 add 0.10 add 0.13 add 0.05 add 0.14
RATED OPERATOR AGE 50 OR OLDER:
0-11
Months Since Most Recent Minor Violation
12-23 24-35
# of Minor
Violations in Last
3 Years
AA BB VA DD AA BB VA DD AA BB VA DD
0 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
1 1.24 1.20 1.18 1.20 1.24 1.20 1.18 1.15 1.13 1.20 1.18 1.11
2 1.30 1.42 1.33 1.28 1.29 1.30 1.33 1.28 1.29 1.30 1.33 1.28
3
Each Additional
1.45 1.54 1.37 1.47 1.39 1.46 1.37 1.33 1.39 1.46 1.37 1.30
Minor Violation add 0.20 add 0.21 add 0.22 add 0.16 add 0.20 add 0.21 add 0.22 add 0.16 add 0.20 add 0.21 add 0.22 add 0.16
December 1, 2011 Allstate Indemnity Company RP-13A

RATING FACTOR
RATING PLAN RULE GROUP AA BB VA DD HH
RESIDENT STUDENT DISCOUNT 28
Male Restricted 16-20 (MR1-5) * 0.90 0.88 N/A 0.97 N/A
Female Restricted 16-20 (FR1-5) * 0.90 0.88 N/A 0.97 N/A
Male Restricted 21-24 (MR6-9) * 0.90 0.88 N/A 0.97 N/A
Female Restricted 21-24 (FR6-9) * 0.90 0.88 N/A 0.97 N/A
GOOD STUDENT DISCOUNT 39
Male Basic (16-20) MB1-5, Male Restricted (16-20) MR1-5 * 0.90 0.90 0.90 0.90 0.90
Female Basic (16-20) FB1-5, Female Restricted (16-20) FR1-5 * 0.90 0.90 0.90 0.90 0.90
Male Basic (21-24) MB6-9, Male Restricted (21-24) MR6-9 * 0.90 0.90 0.90 0.90 0.90
Female Basic (21-24) FB6-9, Female Restricted (21-24) FR6-9 * 0.90 0.90 0.90 0.90 0.90
SENIOR ADULT DISCOUNT 30 N/A N/A 0.85 N/A N/A
PASSIVE RESTRAINT DISCOUNT 25
Airbags on both sides * N/A N/A 0.70 N/A N/A
Airbags on driver side only * N/A N/A 0.80 N/A N/A
Automatic motorized seatbelts * N/A N/A 0.90 N/A N/A
DEFENSIVE DRIVER DISCOUNT 27 * SEE RULE 27 N/A N/A
CERTIFIED RISK SURCHARGE
DELAWARE
VOLUNTARY PRIVATE PASSENGER AUTO
MISCELLANEOUS DISCOUNT & SURCHARGE RATING FACTORS
Note: This factor is applied once per policy to the vehicle with the
highest combined BI & PD premium.
22 * 1.10 1.10 N/A N/A N/A
ANTILOCK BRAKE DISCOUNT 26 * 0.90 0.90 N/A 0.90 N/A
THE GOOD HANDS PEOPLE® DISCOUNT 45 * 0.90 0.90 0.90 0.90 0.90
NONVERIFIABLE DRIVING RECORD SURCHARGE 14 * 1.10 1.10 1.10 1.10 N/A
INEXPERIENCED OPERATOR SURCHARGE 24
Years of
Age Licensed Driving Experience
14-16 All * 1.00 1.00 N/A 1.00 N/A
17 < 1 Year * 1.38 1.21 N/A 1.27 N/A
17 at least 1 Year but < 2 Years * 1.29 1.21 N/A 1.19 N/A
17 at least 2 Years but < 3 Years * 1.29 1.10 N/A 1.11 N/A
17 3 or More Years * 1.00 1.00 N/A 1.00 N/A
18 < 1 Year * 1.38 1.21 N/A 1.27 N/A
18 at least 1 Year but < 2 Years * 1.29 1.21 N/A 1.19 N/A
18 at least 2 Years but < 3 Years * 1.29 1.10 N/A 1.11 N/A
18 3 or More Years * 1.00 1.00 N/A 1.00 N/A
19 < 1 Year * 1.38 1.21 N/A 1.27 N/A
19 at least 1 Year but < 2 Years * 1.29 1.21 N/A 1.19 N/A
19 at least 2 Years but < 3 Years * 1.29 1.10 N/A 1.11 N/A
19 3 or More Years * 1.00 1.00 N/A 1.00 N/A
20 < 1 Year * 1.38 1.21 N/A 1.27 N/A
20 at least 1 Year but < 2 Years * 1.29 1.21 N/A 1.19 N/A
20 at least 2 Years but < 3 Years * 1.29 1.10 N/A 1.11 N/A
20 3 or More Years * 1.00 1.00 N/A 1.00 N/A
21+ < 1 Year * 1.38 1.21 N/A 1.27 N/A
21+ at least 1 Year but < 2 Years * 1.29 1.21 N/A 1.19 N/A
21+ at least 2 Years but < 3 Years * 1.29 1.10 N/A 1.11 N/A
21+ 3 or More Years * 1.00 1.00 N/A 1.00 N/A
FUTURE EFFECTIVE DATE DISCOUNT 58 * 0.95 0.95 0.95 0.95 0.95
GOOD PAYER DISCOUNT 43 * 0.90 0.90 0.90 0.90 0.90
THE ALLSTATE® EASY PAY PLAN DISCOUNT 52 * 0.95 0.95 0.95 0.95 0.95
HOMEOWNERSHIP DISCOUNT 44 1 0.95 0.95 0.95 0.95 0.95
(Rating Group is defined by Tier - please refer to the 2 0.95 0.95 0.95 0.95 0.95
Tier section in the rating pages) 3 0.95 0.95 0.95 0.95 0.95
4 0.95 0.95 0.95 0.95 0.95
5 0.95 0.95 0.95 0.95 0.95
6 0.95 0.95 0.95 0.95 0.95
7 0.95 0.95 0.95 0.95 0.95
8 0.95 0.95 0.95 0.95 0.95
PERFORMANCE DISCOUNT 49 1 0.98 0.95 1.00 0.97 0.94
(Rating Group is defined by Tier - please refer to the 2 0.98 0.95 1.00 0.97 0.94
Tier section in the rating pages) 3 0.98 0.95 1.00 0.97 0.94
4 0.98 0.95 1.00 0.97 0.94
5 0.98 0.95 1.00 0.97 0.94
6 0.98 0.95 1.00 0.97 0.94
7 0.98 0.95 1.00 0.97 0.94
8 0.98 0.95 1.00 0.97 0.94
December 1, 2011 Allstate Indemnity Company RP-15A

DELAWARE
VOLUNTARY PRIVATE PASSENGER AUTO
MISCELLANEOUS DISCOUNT & SURCHARGE RATING FACTORS
RATING FACTOR
RATING PLAN RULE GROUP AA BB VA DD HH
MULTIPLE POLICY DISCOUNT Homeowners 57 1 0.92 0.95 0.80 0.92 0.85
(Rating Group is defined by Tier - please refer to the Mobilehome and Manufactured Home Owners 1 0.92 0.95 0.80 0.92 0.85
Tier section in the rating pages) Renters 1 0.92 0.95 0.80 0.92 0.85
Condominium Owners 1 0.92 0.95 0.80 0.92 0.85
Homeowners 2 0.92 0.95 0.80 0.92 0.85
Mobilehome and Manufactured Home Owners 2 0.92 0.95 0.80 0.92 0.85
Renters 2 0.92 0.95 0.80 0.92 0.85
Condominium Owners 2 0.92 0.95 0.80 0.92 0.85
Homeowners 3 0.92 0.95 0.80 0.92 0.85
Mobilehome and Manufactured Home Owners 3 0.92 0.95 0.80 0.92 0.85
Renters 3 0.92 0.95 0.80 0.92 0.85
Condominium Owners 3 0.92 0.95 0.80 0.92 0.85
Homeowners 4 0.92 0.95 0.80 0.92 0.85
Mobilehome and Manufactured Home Owners 4 0.92 0.95 0.80 0.92 0.85
Renters 4 0.92 0.95 0.80 0.92 0.85
Condominium Owners 4 0.92 0.95 0.80 0.92 0.85
Homeowners 5 0.92 0.95 0.80 0.92 0.85
Mobilehome and Manufactured Home Owners 5 0.92 0.95 0.80 0.92 0.85
Renters 5 0.92 0.95 0.80 0.92 0.85
Condominium Owners 5 0.92 0.95 0.80 0.92 0.85
Homeowners 6 0.92 0.95 0.80 0.92 0.85
Mobilehome and Manufactured Home Owners 6 0.92 0.95 0.80 0.92 0.85
Renters 6 0.92 0.95 0.80 0.92 0.85
Condominium Owners 6 0.92 0.95 0.80 0.92 0.85
Homeowners 7 0.92 0.95 0.80 0.92 0.85
Mobilehome and Manufactured Home Owners 7 0.92 0.95 0.80 0.92 0.85
Renters 7 0.92 0.95 0.80 0.92 0.85
Condominium Owners 7 0.92 0.95 0.80 0.92 0.85
Homeowners 8 0.92 0.95 0.80 0.92 0.85
Mobilehome and Manufactured Home Owners 8 0.92 0.95 0.80 0.92 0.85
Renters 8 0.92 0.95 0.80 0.92 0.85
Condominium Owners 8 0.92 0.95 0.80 0.92 0.85
TIER 1 51 1 0.68 0.80 0.44 0.77 0.60
2 1 0.68 0.80 0.50 0.77 0.65
3 1 0.74 0.82 0.63 0.78 0.69
4 1 0.71 0.80 0.51 0.82 0.64
5 1 0.71 0.80 0.58 0.82 0.69
6 2 0.77 0.82 0.73 0.84 0.73
7 1 0.68 0.80 0.44 0.77 0.60
8 2 0.68 0.80 0.50 0.77 0.65
9 2 0.74 0.82 0.63 0.78 0.69
10 2 0.71 0.80 0.51 0.82 0.64
11 2 0.71 0.80 0.58 0.82 0.69
12 3 0.77 0.82 0.73 0.84 0.73
13 1 0.68 0.80 0.44 0.77 0.60
14 1 0.68 0.80 0.50 0.77 0.65
15 1 0.74 0.82 0.63 0.78 0.69
16 1 0.71 0.80 0.51 0.82 0.64
17 1 0.71 0.80 0.58 0.82 0.69
18 2 0.77 0.82 0.73 0.84 0.73
19 1 0.68 0.80 0.44 0.77 0.60
20 2 0.68 0.80 0.50 0.77 0.65
21 2 0.74 0.82 0.63 0.78 0.69
22 2 0.71 0.80 0.51 0.82 0.64
23 2 0.71 0.80 0.58 0.82 0.69
24 3 0.77 0.82 0.73 0.84 0.73
25 1 0.71 0.80 0.51 0.82 0.64
26 2 0.71 0.80 0.58 0.82 0.69
27 2 0.77 0.82 0.73 0.84 0.73
28 1 0.71 0.80 0.51 0.82 0.64
29 1 0.71 0.80 0.58 0.82 0.69
30 2 0.77 0.82 0.73 0.84 0.73
31 1 0.69 0.81 0.45 0.77 0.61
32 1 0.69 0.81 0.51 0.77 0.67
33 2 0.75 0.84 0.65 0.79 0.71
34 1 0.72 0.81 0.53 0.83 0.65
35 2 0.72 0.81 0.59 0.83 0.71
36 2 0.78 0.84 0.75 0.85 0.75
37 2 0.69 0.81 0.45 0.77 0.61
38 2 0.69 0.81 0.51 0.77 0.67
39 3 0.75 0.84 0.65 0.79 0.71
40 2 0.72 0.81 0.53 0.83 0.65
41 2 0.72 0.81 0.59 0.83 0.71
42 3 0.78 0.84 0.75 0.85 0.75
43 1 0.69 0.81 0.45 0.77 0.61
44 1 0.69 0.81 0.51 0.77 0.67
45 2 0.75 0.84 0.65 0.79 0.71
46 1 0.72 0.81 0.53 0.83 0.65
47 2 0.72 0.81 0.59 0.83 0.71
48 2 0.78 0.84 0.75 0.85 0.75
49 2 0.69 0.81 0.45 0.77 0.61
50 2 0.69 0.81 0.51 0.77 0.67
51 3 0.75 0.84 0.65 0.79 0.71
52 2 0.72 0.81 0.53 0.83 0.65
53 2 0.72 0.81 0.59 0.83 0.71
54 3 0.78 0.84 0.75 0.85 0.75
55 2 0.72 0.81 0.53 0.83 0.65
56 2 0.72 0.81 0.59 0.83 0.71
57 3 0.78 0.84 0.75 0.85 0.75
58 1 0.72 0.81 0.53 0.83 0.65
59 2 0.72 0.81 0.59 0.83 0.71
60 2 0.78 0.84 0.75 0.85 0.75
December 1, 2011 Allstate Indemnity Company RP-16A

DELAWARE
VOLUNTARY PRIVATE PASSENGER AUTO
MISCELLANEOUS DISCOUNT & SURCHARGE RATING FACTORS
RATING FACTOR
RATING PLAN RULE GROUP AA BB VA DD HH
61 1 0.71 0.82 0.47 0.79 0.64
62 2 0.71 0.82 0.53 0.79 0.70
63 2 0.77 0.85 0.67 0.81 0.73
64 1 0.74 0.82 0.55 0.85 0.68
65 2 0.74 0.82 0.62 0.85 0.74
66 2 0.80 0.85 0.78 0.87 0.78
67 2 0.71 0.82 0.47 0.79 0.64
68 2 0.71 0.82 0.53 0.79 0.70
69 3 0.77 0.85 0.67 0.81 0.73
70 2 0.74 0.82 0.55 0.85 0.68
71 3 0.74 0.82 0.62 0.85 0.74
72 3 0.80 0.85 0.78 0.87 0.78
73 1 0.71 0.82 0.47 0.79 0.64
74 2 0.71 0.82 0.53 0.79 0.70
75 2 0.77 0.85 0.67 0.81 0.73
76 1 0.74 0.82 0.55 0.85 0.68
77 2 0.74 0.82 0.62 0.85 0.74
78 2 0.80 0.85 0.78 0.87 0.78
79 2 0.71 0.82 0.47 0.79 0.64
80 2 0.71 0.82 0.53 0.79 0.70
81 3 0.77 0.85 0.67 0.81 0.73
82 2 0.74 0.82 0.55 0.85 0.68
83 3 0.74 0.82 0.62 0.85 0.74
84 3 0.80 0.85 0.78 0.87 0.78
85 2 0.74 0.82 0.55 0.85 0.68
86 2 0.74 0.82 0.62 0.85 0.74
87 3 0.80 0.85 0.78 0.87 0.78
88 1 0.74 0.82 0.55 0.85 0.68
89 2 0.74 0.82 0.62 0.85 0.74
90 2 0.80 0.85 0.78 0.87 0.78
91 1 0.72 0.83 0.48 0.80 0.65
92 2 0.72 0.83 0.54 0.80 0.71
93 2 0.78 0.86 0.69 0.82 0.75
94 2 0.75 0.83 0.56 0.86 0.70
95 2 0.75 0.83 0.63 0.86 0.76
96 3 0.81 0.86 0.80 0.88 0.80
97 2 0.72 0.83 0.48 0.80 0.65
98 3 0.72 0.83 0.54 0.80 0.71
99 3 0.78 0.86 0.69 0.82 0.75
100 2 0.75 0.83 0.56 0.86 0.70
101 3 0.75 0.83 0.63 0.86 0.76
102 4 0.81 0.86 0.80 0.88 0.80
103 1 0.72 0.83 0.48 0.80 0.65
104 2 0.72 0.83 0.54 0.80 0.71
105 2 0.78 0.86 0.69 0.82 0.75
106 2 0.75 0.83 0.56 0.86 0.70
107 2 0.75 0.83 0.63 0.86 0.76
108 3 0.81 0.86 0.80 0.88 0.80
109 2 0.72 0.83 0.48 0.80 0.65
110 3 0.72 0.83 0.54 0.80 0.71
111 3 0.78 0.86 0.69 0.82 0.75
112 2 0.75 0.83 0.56 0.86 0.70
113 3 0.75 0.83 0.63 0.86 0.76
114 4 0.81 0.86 0.80 0.88 0.80
115 2 0.75 0.83 0.56 0.86 0.70
116 2 0.75 0.83 0.63 0.86 0.76
117 3 0.81 0.86 0.80 0.88 0.80
118 2 0.75 0.83 0.56 0.86 0.70
119 2 0.75 0.83 0.63 0.86 0.76
120 3 0.81 0.86 0.80 0.88 0.80
121 1 0.73 0.84 0.50 0.82 0.68
122 2 0.73 0.84 0.56 0.82 0.74
123 2 0.80 0.87 0.71 0.84 0.78
124 2 0.76 0.84 0.58 0.88 0.72
125 2 0.76 0.84 0.66 0.88 0.79
126 3 0.83 0.87 0.83 0.90 0.83
127 2 0.73 0.84 0.50 0.82 0.68
128 3 0.73 0.84 0.56 0.82 0.74
129 3 0.80 0.87 0.71 0.84 0.78
130 3 0.76 0.84 0.58 0.88 0.72
131 3 0.76 0.84 0.66 0.88 0.79
132 4 0.83 0.87 0.83 0.90 0.83
133 1 0.73 0.84 0.50 0.82 0.68
134 2 0.73 0.84 0.56 0.82 0.74
135 2 0.80 0.87 0.71 0.84 0.78
136 2 0.76 0.84 0.58 0.88 0.72
137 2 0.76 0.84 0.66 0.88 0.79
138 3 0.83 0.87 0.83 0.90 0.83
139 2 0.73 0.84 0.50 0.82 0.68
140 3 0.73 0.84 0.56 0.82 0.74
141 3 0.80 0.87 0.71 0.84 0.78
142 3 0.76 0.84 0.58 0.88 0.72
143 3 0.76 0.84 0.66 0.88 0.79
144 4 0.83 0.87 0.83 0.90 0.83
145 2 0.76 0.84 0.58 0.88 0.72
146 3 0.76 0.84 0.66 0.88 0.79
147 3 0.83 0.87 0.83 0.90 0.83
148 2 0.76 0.84 0.58 0.88 0.72
149 2 0.76 0.84 0.66 0.88 0.79
150 3 0.83 0.87 0.83 0.90 0.83
151 2 0.75 0.86 0.51 0.83 0.70
152 2 0.75 0.86 0.58 0.83 0.76
153 3 0.82 0.89 0.73 0.85 0.80
154 2 0.78 0.86 0.60 0.89 0.74
155 2 0.78 0.86 0.67 0.89 0.81
156 3 0.85 0.89 0.85 0.91 0.85
157 2 0.75 0.86 0.51 0.83 0.70
158 3 0.75 0.86 0.58 0.83 0.76
159 4 0.82 0.89 0.73 0.85 0.80
160 3 0.78 0.86 0.60 0.89 0.74
December 1, 2011 Allstate Indemnity Company RP-17A

DELAWARE
VOLUNTARY PRIVATE PASSENGER AUTO
MISCELLANEOUS DISCOUNT & SURCHARGE RATING FACTORS
RATING FACTOR
RATING PLAN RULE GROUP AA BB VA DD HH
161 3 0.78 0.86 0.67 0.89 0.81
162 4 0.85 0.89 0.85 0.91 0.85
163 2 0.75 0.86 0.51 0.83 0.70
164 2 0.75 0.86 0.58 0.83 0.76
165 3 0.82 0.89 0.73 0.85 0.80
166 2 0.78 0.86 0.60 0.89 0.74
167 2 0.78 0.86 0.67 0.89 0.81
168 3 0.85 0.89 0.85 0.91 0.85
169 2 0.75 0.86 0.51 0.83 0.70
170 3 0.75 0.86 0.58 0.83 0.76
171 4 0.82 0.89 0.73 0.85 0.80
172 3 0.78 0.86 0.60 0.89 0.74
173 3 0.78 0.86 0.67 0.89 0.81
174 4 0.85 0.89 0.85 0.91 0.85
175 2 0.78 0.86 0.60 0.89 0.74
176 3 0.78 0.86 0.67 0.89 0.81
177 3 0.85 0.89 0.85 0.91 0.85
178 2 0.78 0.86 0.60 0.89 0.74
179 2 0.78 0.86 0.67 0.89 0.81
180 3 0.85 0.89 0.85 0.91 0.85
181 2 0.76 0.87 0.53 0.85 0.72
182 2 0.76 0.87 0.60 0.85 0.79
183 3 0.83 0.90 0.76 0.86 0.83
184 2 0.79 0.87 0.62 0.91 0.77
185 3 0.79 0.87 0.70 0.91 0.84
186 3 0.86 0.90 0.88 0.93 0.88
187 3 0.76 0.87 0.53 0.85 0.72
188 3 0.76 0.87 0.60 0.85 0.79
189 4 0.83 0.90 0.76 0.86 0.83
190 3 0.79 0.87 0.62 0.91 0.77
191 4 0.79 0.87 0.70 0.91 0.84
192 4 0.86 0.90 0.88 0.93 0.88
193 2 0.76 0.87 0.53 0.85 0.72
194 2 0.76 0.87 0.60 0.85 0.79
195 3 0.83 0.90 0.76 0.86 0.83
196 2 0.79 0.87 0.62 0.91 0.77
197 3 0.79 0.87 0.70 0.91 0.84
198 3 0.86 0.90 0.88 0.93 0.88
199 3 0.76 0.87 0.53 0.85 0.72
200 3 0.76 0.87 0.60 0.85 0.79
201 4 0.83 0.90 0.76 0.86 0.83
202 3 0.79 0.87 0.62 0.91 0.77
203 4 0.79 0.87 0.70 0.91 0.84
204 4 0.86 0.90 0.88 0.93 0.88
205 2 0.79 0.87 0.62 0.91 0.77
206 3 0.79 0.87 0.70 0.91 0.84
207 4 0.86 0.90 0.88 0.93 0.88
208 2 0.79 0.87 0.62 0.91 0.77
209 3 0.79 0.87 0.70 0.91 0.84
210 3 0.86 0.90 0.88 0.93 0.88
211 2 0.78 0.88 0.55 0.87 0.74
212 3 0.78 0.88 0.62 0.87 0.81
213 3 0.84 0.91 0.78 0.88 0.86
214 3 0.81 0.88 0.64 0.93 0.79
215 3 0.81 0.88 0.72 0.93 0.86
216 4 0.88 0.91 0.91 0.95 0.91
217 3 0.78 0.88 0.55 0.87 0.74
218 4 0.78 0.88 0.62 0.87 0.81
219 5 0.84 0.91 0.78 0.88 0.86
220 4 0.81 0.88 0.64 0.93 0.79
221 4 0.81 0.88 0.72 0.93 0.86
222 5 0.88 0.91 0.91 0.95 0.91
223 2 0.78 0.88 0.55 0.87 0.74
224 3 0.78 0.88 0.62 0.87 0.81
225 3 0.84 0.91 0.78 0.88 0.86
226 3 0.81 0.88 0.64 0.93 0.79
227 3 0.81 0.88 0.72 0.93 0.86
228 4 0.88 0.91 0.91 0.95 0.91
229 3 0.78 0.88 0.55 0.87 0.74
230 4 0.78 0.88 0.62 0.87 0.81
231 5 0.84 0.91 0.78 0.88 0.86
232 4 0.81 0.88 0.64 0.93 0.79
233 4 0.81 0.88 0.72 0.93 0.86
234 5 0.88 0.91 0.91 0.95 0.91
235 3 0.81 0.88 0.64 0.93 0.79
236 4 0.81 0.88 0.72 0.93 0.86
237 4 0.88 0.91 0.91 0.95 0.91
238 3 0.81 0.88 0.64 0.93 0.79
239 3 0.81 0.88 0.72 0.93 0.86
240 4 0.88 0.91 0.91 0.95 0.91
241 3 0.79 0.90 0.57 0.87 0.77
242 3 0.79 0.90 0.64 0.87 0.84
243 4 0.86 0.93 0.81 0.89 0.88
244 3 0.83 0.90 0.66 0.94 0.82
245 4 0.83 0.90 0.74 0.94 0.89
246 4 0.90 0.93 0.94 0.96 0.94
247 4 0.79 0.90 0.57 0.87 0.77
248 4 0.79 0.90 0.64 0.87 0.84
249 5 0.86 0.93 0.81 0.89 0.88
250 4 0.83 0.90 0.66 0.94 0.82
251 5 0.83 0.90 0.74 0.94 0.89
252 6 0.90 0.93 0.94 0.96 0.94
253 3 0.79 0.90 0.57 0.87 0.77
254 3 0.79 0.90 0.64 0.87 0.84
255 4 0.86 0.93 0.81 0.89 0.88
256 3 0.83 0.90 0.66 0.94 0.82
257 4 0.83 0.90 0.74 0.94 0.89
258 4 0.90 0.93 0.94 0.96 0.94
259 4 0.79 0.90 0.57 0.87 0.77
260 4 0.79 0.90 0.64 0.87 0.84
December 1, 2011 Allstate Indemnity Company RP-18A

DELAWARE
VOLUNTARY PRIVATE PASSENGER AUTO
MISCELLANEOUS DISCOUNT & SURCHARGE RATING FACTORS
RATING FACTOR
RATING PLAN RULE GROUP AA BB VA DD HH
261 5 0.86 0.93 0.81 0.89 0.88
262 4 0.83 0.90 0.66 0.94 0.82
263 5 0.83 0.90 0.74 0.94 0.89
264 6 0.90 0.93 0.94 0.96 0.94
265 3 0.83 0.90 0.66 0.94 0.82
266 4 0.83 0.90 0.74 0.94 0.89
267 5 0.90 0.93 0.94 0.96 0.94
268 3 0.83 0.90 0.66 0.94 0.82
269 4 0.83 0.90 0.74 0.94 0.89
270 4 0.90 0.93 0.94 0.96 0.94
271 3 0.81 0.91 0.58 0.89 0.79
272 3 0.81 0.91 0.66 0.89 0.87
273 4 0.88 0.94 0.83 0.91 0.91
274 3 0.85 0.91 0.68 0.96 0.84
275 4 0.85 0.91 0.77 0.96 0.92
276 5 0.92 0.94 0.97 0.98 0.97
277 4 0.81 0.91 0.58 0.89 0.79
278 5 0.81 0.91 0.66 0.89 0.87
279 6 0.88 0.94 0.83 0.91 0.91
280 4 0.85 0.91 0.68 0.96 0.84
281 5 0.85 0.91 0.77 0.96 0.92
282 6 0.92 0.94 0.97 0.98 0.97
283 3 0.81 0.91 0.58 0.89 0.79
284 3 0.81 0.91 0.66 0.89 0.87
285 4 0.88 0.94 0.83 0.91 0.91
286 3 0.85 0.91 0.68 0.96 0.84
287 4 0.85 0.91 0.77 0.96 0.92
288 5 0.92 0.94 0.97 0.98 0.97
289 4 0.81 0.91 0.58 0.89 0.79
290 5 0.81 0.91 0.66 0.89 0.87
291 6 0.88 0.94 0.83 0.91 0.91
292 4 0.85 0.91 0.68 0.96 0.84
293 5 0.85 0.91 0.77 0.96 0.92
294 6 0.92 0.94 0.97 0.98 0.97
295 4 0.85 0.91 0.68 0.96 0.84
296 4 0.85 0.91 0.77 0.96 0.92
297 5 0.92 0.94 0.97 0.98 0.97
298 3 0.85 0.91 0.68 0.96 0.84
299 4 0.85 0.91 0.77 0.96 0.92
300 5 0.92 0.94 0.97 0.98 0.97
301 2 0.83 0.93 0.60 0.91 0.82
302 2 0.83 0.93 0.68 0.91 0.89
303 4 0.90 0.96 0.86 0.93 0.94
304 3 0.86 0.93 0.70 0.98 0.87
305 4 0.86 0.93 0.79 0.98 0.95
306 5 0.94 0.96 1.00 1.00 1.00
307 4 0.83 0.93 0.60 0.91 0.82
308 5 0.83 0.93 0.68 0.91 0.89
309 6 0.90 0.96 0.86 0.93 0.94
310 5 0.86 0.93 0.70 0.98 0.87
311 6 0.86 0.93 0.79 0.98 0.95
312 7 0.94 0.96 1.00 1.00 1.00
313 3 0.83 0.93 0.60 0.91 0.82
314 4 0.83 0.93 0.68 0.91 0.89
315 4 0.90 0.96 0.86 0.93 0.94
316 3 0.86 0.93 0.70 0.98 0.87
317 4 0.86 0.93 0.79 0.98 0.95
318 5 0.94 0.96 1.00 1.00 1.00
319 4 0.83 0.93 0.60 0.91 0.82
320 5 0.83 0.93 0.68 0.91 0.89
321 6 0.90 0.96 0.86 0.93 0.94
322 5 0.86 0.93 0.70 0.98 0.87
323 6 0.86 0.93 0.79 0.98 0.95
324 7 0.94 0.96 1.00 1.00 1.00
325 4 0.86 0.93 0.70 0.98 0.87
326 5 0.86 0.93 0.79 0.98 0.95
327 6 0.94 0.96 1.00 1.00 1.00
328 3 0.86 0.93 0.70 0.98 0.87
329 4 0.86 0.93 0.79 0.98 0.95
330 5 0.94 0.96 1.00 1.00 1.00
331 2 0.85 0.94 0.62 0.93 0.84
332 3 0.85 0.94 0.70 0.93 0.92
333 5 0.92 0.97 0.89 0.95 0.97
334 4 0.88 0.94 0.72 1.00 0.90
335 5 0.88 0.94 0.81 1.00 0.98
336 5 0.96 0.97 1.03 1.02 1.03
337 5 0.85 0.94 0.62 0.93 0.84
338 5 0.85 0.94 0.70 0.93 0.92
339 6 0.92 0.97 0.89 0.95 0.97
340 5 0.88 0.94 0.72 1.00 0.90
341 6 0.88 0.94 0.81 1.00 0.98
342 7 0.96 0.97 1.03 1.02 1.03
343 3 0.85 0.94 0.62 0.93 0.84
344 4 0.85 0.94 0.70 0.93 0.92
345 5 0.92 0.97 0.89 0.95 0.97
346 4 0.88 0.94 0.72 1.00 0.90
347 5 0.88 0.94 0.81 1.00 0.98
348 5 0.96 0.97 1.03 1.02 1.03
349 5 0.85 0.94 0.62 0.93 0.84
350 5 0.85 0.94 0.70 0.93 0.92
351 6 0.92 0.97 0.89 0.95 0.97
352 5 0.88 0.94 0.72 1.00 0.90
353 6 0.88 0.94 0.81 1.00 0.98
354 7 0.96 0.97 1.03 1.02 1.03
355 4 0.88 0.94 0.72 1.00 0.90
356 5 0.88 0.94 0.81 1.00 0.98
357 6 0.96 0.97 1.03 1.02 1.03
358 4 0.88 0.94 0.72 1.00 0.90
359 5 0.88 0.94 0.81 1.00 0.98
360 5 0.96 0.97 1.03 1.02 1.03
December 1, 2011 Allstate Indemnity Company RP-19A

DELAWARE
VOLUNTARY PRIVATE PASSENGER AUTO
MISCELLANEOUS DISCOUNT & SURCHARGE RATING FACTORS
RATING FACTOR
RATING PLAN RULE GROUP AA BB VA DD HH
361 3 0.87 0.96 0.64 0.95 0.88
362 3 0.87 0.96 0.73 0.95 0.96
363 5 0.94 0.99 0.92 0.97 1.01
364 4 0.90 0.96 0.75 1.02 0.93
365 5 0.90 0.96 0.85 1.02 1.02
366 6 0.98 0.99 1.07 1.04 1.07
367 5 0.87 0.96 0.64 0.95 0.88
368 5 0.87 0.96 0.73 0.95 0.96
369 7 0.94 0.99 0.92 0.97 1.01
370 5 0.90 0.96 0.75 1.02 0.93
371 6 0.90 0.96 0.85 1.02 1.02
372 7 0.98 0.99 1.07 1.04 1.07
373 3 0.87 0.96 0.64 0.95 0.88
374 4 0.87 0.96 0.73 0.95 0.96
375 5 0.94 0.99 0.92 0.97 1.01
376 4 0.90 0.96 0.75 1.02 0.93
377 5 0.90 0.96 0.85 1.02 1.02
378 6 0.98 0.99 1.07 1.04 1.07
379 5 0.87 0.96 0.64 0.95 0.88
380 6 0.87 0.96 0.73 0.95 0.96
381 7 0.94 0.99 0.92 0.97 1.01
382 5 0.90 0.96 0.75 1.02 0.93
383 6 0.90 0.96 0.85 1.02 1.02
384 7 0.98 0.99 1.07 1.04 1.07
385 4 0.90 0.96 0.75 1.02 0.93
386 5 0.90 0.96 0.85 1.02 1.02
387 6 0.98 0.99 1.07 1.04 1.07
388 4 0.90 0.96 0.75 1.02 0.93
389 5 0.90 0.96 0.85 1.02 1.02
390 6 0.98 0.99 1.07 1.04 1.07
391 3 0.88 0.97 0.66 0.97 0.90
392 3 0.88 0.97 0.75 0.97 0.98
393 5 0.96 1.00 0.95 0.99 1.03
394 4 0.92 0.97 0.77 1.04 0.96
395 5 0.92 0.97 0.87 1.04 1.05
396 6 1.00 1.00 1.10 1.06 1.10
397 5 0.88 0.97 0.66 0.97 0.90
398 6 0.88 0.97 0.75 0.97 0.98
399 7 0.96 1.00 0.95 0.99 1.03
400 6 0.92 0.97 0.77 1.04 0.96
401 7 0.92 0.97 0.87 1.04 1.05
402 8 1.00 1.00 1.10 1.06 1.10
403 4 0.88 0.97 0.66 0.97 0.90
404 5 0.88 0.97 0.75 0.97 0.98
405 5 0.96 1.00 0.95 0.99 1.03
406 4 0.92 0.97 0.77 1.04 0.96
407 5 0.92 0.97 0.87 1.04 1.05
408 6 1.00 1.00 1.10 1.06 1.10
409 5 0.88 0.97 0.66 0.97 0.90
410 6 0.88 0.97 0.75 0.97 0.98
411 7 0.96 1.00 0.95 0.99 1.03
412 6 0.92 0.97 0.77 1.04 0.96
413 7 0.92 0.97 0.87 1.04 1.05
414 8 1.00 1.00 1.10 1.06 1.10
415 5 0.92 0.97 0.77 1.04 0.96
416 6 0.92 0.97 0.87 1.04 1.05
417 7 1.00 1.00 1.10 1.06 1.10
418 4 0.92 0.97 0.77 1.04 0.96
419 5 0.92 0.97 0.87 1.04 1.05
420 6 1.00 1.00 1.10 1.06 1.10
421 3 0.90 0.99 0.69 0.98 0.93
422 3 0.90 0.99 0.77 0.98 1.02
423 6 0.98 1.02 0.98 1.00 1.07
424 5 0.94 0.99 0.80 1.06 0.99
425 6 0.94 0.99 0.90 1.06 1.08
426 7 1.02 1.02 1.14 1.08 1.14
427 6 0.90 0.99 0.69 0.98 0.93
428 7 0.90 0.99 0.77 0.98 1.02
429 8 0.98 1.02 0.98 1.00 1.07
430 7 0.94 0.99 0.80 1.06 0.99
431 7 0.94 0.99 0.90 1.06 1.08
432 8 1.02 1.02 1.14 1.08 1.14
433 4 0.90 0.99 0.69 0.98 0.93
434 5 0.90 0.99 0.77 0.98 1.02
435 6 0.98 1.02 0.98 1.00 1.07
436 5 0.94 0.99 0.80 1.06 0.99
437 6 0.94 0.99 0.90 1.06 1.08
438 7 1.02 1.02 1.14 1.08 1.14
439 6 0.90 0.99 0.69 0.98 0.93
440 7 0.90 0.99 0.77 0.98 1.02
441 8 0.98 1.02 0.98 1.00 1.07
442 7 0.94 0.99 0.80 1.06 0.99
443 7 0.94 0.99 0.90 1.06 1.08
444 8 1.02 1.02 1.14 1.08 1.14
445 6 0.94 0.99 0.80 1.06 0.99
446 7 0.94 0.99 0.90 1.06 1.08
447 7 1.02 1.02 1.14 1.08 1.14
448 5 0.94 0.99 0.80 1.06 0.99
449 6 0.94 0.99 0.90 1.06 1.08
450 7 1.02 1.02 1.14 1.08 1.14
451 3 0.92 1.00 0.71 1.00 0.97
452 4 0.92 1.00 0.80 1.00 1.05
453 7 1.00 1.03 1.01 1.02 1.11
454 6 0.96 1.00 0.83 1.08 1.03
455 7 0.96 1.00 0.93 1.08 1.12
456 8 1.04 1.03 1.18 1.10 1.18
457 7 0.92 1.00 0.71 1.00 0.97
458 8 0.92 1.00 0.80 1.00 1.05
459 8 1.00 1.03 1.01 1.02 1.11
460 8 0.96 1.00 0.83 1.08 1.03
December 1, 2011 Allstate Indemnity Company RP-20A

DELAWARE
VOLUNTARY PRIVATE PASSENGER AUTO
MISCELLANEOUS DISCOUNT & SURCHARGE RATING FACTORS
RATING FACTOR
RATING PLAN RULE GROUP AA BB VA DD HH
461 8 0.96 1.00 0.93 1.08 1.12
462 8 1.04 1.03 1.18 1.10 1.18
463 5 0.92 1.00 0.71 1.00 0.97
464 6 0.92 1.00 0.80 1.00 1.05
465 7 1.00 1.03 1.01 1.02 1.11
466 6 0.96 1.00 0.83 1.08 1.03
467 7 0.96 1.00 0.93 1.08 1.12
468 8 1.04 1.03 1.18 1.10 1.18
469 7 0.92 1.00 0.71 1.00 0.97
470 8 0.92 1.00 0.80 1.00 1.05
471 8 1.00 1.03 1.01 1.02 1.11
472 8 0.96 1.00 0.83 1.08 1.03
473 8 0.96 1.00 0.93 1.08 1.12
474 8 1.04 1.03 1.18 1.10 1.18
475 7 0.96 1.00 0.83 1.08 1.03
476 8 0.96 1.00 0.93 1.08 1.12
477 8 1.04 1.03 1.18 1.10 1.18
478 6 0.96 1.00 0.83 1.08 1.03
479 7 0.96 1.00 0.93 1.08 1.12
480 8 1.04 1.03 1.18 1.10 1.18
December 1, 2011 Allstate Indemnity Company RP-21A

SERFF Tracking Number: ALSE-127823434 State: Delaware
Filing Company: Allstate Indemnity Company State Tracking Number: 45814
Company Tracking Number: R24381: AI RATE CHANGE (+15.0%)
TOI: 19.0 Personal Auto Sub-TOI: 19.0001 Private Passenger Auto (PPA)
Product Name: DE AI Rate Change (+15.0%)
Project Name/Number: DE AI Rate Change (+15.0%)/810818
Supporting Document Schedules
Satisfied - Item: P&C - State Specific Requirements
Comments:
Attachment:
R24381 - StateFilingForm.pdf
Satisfied - Item: Supporting Documents
Comments:
Attachments:
ActIndMemo01-R24381.pdf
Bulletin 23-R24381.pdf
Satisfied - Item: Rate Impact by Territory / Territory
Definitions
Comments:
Attachments:
Rate Impact by Territory.pdf
Allstate Indemnity Auto Territory Definitions.pdf
PDF Pipeline for SERFF Tracking Number ALSE-127823434 Generated 03/05/2012 03:00 PM
Item Status: Status
Date:
Item Status: Status
Date:
Item Status: Status
Date:

ALLSTATE INDEMNITY COMPANY
VOLUNTARY PRIVATE PASSENGER AUTOMOBILE
DELAWARE
INDEX OF ATTACHMENTS
Attachment I – Summary of Disclosures
Page 1 Actuarial Standards of Practice
Page 2 Material Changes in Sources of Data, Assumptions, or Methods
Attachment II – Summary of Rate Level Indication
Page 1 Formula Calculations for Rate Level Indications
Page 2 Base Data
Pages 3-5 Adjustments to Losses
Pages 6-8 Expense and Profit Provision
Page 9 Adjustments to Premiums
Attachment III – Rate Level Indication Exhibits
Exhibits 1.1-1.6 Determination of Statewide Rate Level Indication
Exhibits 2.1-2.6 Development of Provision for Loss and LAE
Exhibits 3.1-3.6 Calculation of Loss Development Factors – Additive Method
Exhibits 4.1-4.6 Calculation of Loss Development Factors – Link Ratio Method
Exhibit 5 Ultimate Losses & ALAE
Exhibit 6 Unallocated Loss Adjustment Expense Provision
Exhibit 7 Calculation of Pure Premium Trend Factor
Exhibits 8.1-8.6 Loss Trends – Pure Premium
Exhibits 8.7-8.12 Loss Trends – Frequency
Exhibits 8.13-8.18 Loss Trends – Severity
Exhibit 9 Catastrophe Insurance Losses - Comprehensive
Exhibit 10 Summary of Expense Provisions
Exhibit 11 Countrywide Expense Experience For Other Acquisition
Exhibit 12 Countrywide Expense Experience For General Expenses
Exhibit 13 Factor to Adjust for Subsequent Change in Fixed Expense
Exhibits 14.1-14.2 Investment Income
Exhibits 15.1-15.6 Development of Projected Average Earned Premium
Exhibit 16 Calculation of Premium Trend Factor
Exhibits 17.1-17.6 Premium Trends
Attachment IV– Summary of Rating Plan Changes
Pages 1-3 Summary of Rating Plan Changes
Exhibits 1-8 Summary of Rating Plan Changes – Exhibits
Attachment V– Summary of Manual Changes
Page 1 Summary of Manual Changes
Index
Page 1

ATTACHMENT I
Summary of Disclosures

ALLSTATE INDEMNITY COMPANY
VOLUNTARY PRIVATE PASSENGER AUTOMOBILE
DELAWARE
ACTUARIAL STANDARDS OF PRACTICE
This document confirms compliance with the following Actuarial Standards of Practices
that are applicable to the preparation of statewide rate filings performed by casualty
actuaries as stated in “Applicability Guidelines for Actuarial Standards of Practice”
(American Academy of Actuaries, September 2004). In addition, references to relevant
sections of this filing are included, where applicable.
Actuarial Standard of Practice No. 12, Risk Classification (for all Practice Areas)
- Att IV, Pages 1-3: Summary of Rating Plan Changes.
Actuarial Standard of Practice No. 13, Trending Procedures in Property/Casualty
Insurance Ratemaking
- Att II, Page 1: Formula Calculations for Rate Level Indications
- Att II, Pages 4-5: Adjustments to Losses – Loss Trend
- Att II, Page 7: Expenses, Profit Provision– Fixed Expenses – Trend
- Att II, Page 9: Adjustments to Premiums – Premium Trend
Actuarial Standard of Practice No. 23, Data Quality
- Att II, Page 1: Formula Calculations for Rate Level Indications
Actuarial Standard of Practice No. 25, Credibility Procedures Applicable to
Accident and Health, Group Term Life, and Property/Casualty Coverages
- Att II, Page 2: Base Data – Accident Year Weights
- Att II, Pages 4-5: Adjustments to Losses - Loss Trend
Actuarial Standard of Practice No. 29, Expense Provisions in Property/Casualty
Insurance Ratemaking
- Att II, Pages 6-8: Expenses and Profit Provision
Actuarial Standard of Practice No. 30, Treatment of Profit and Contingency
Provisions and the Cost of Capital in Property/Casualty Insurance Ratemaking
- Att II, Pages 7-8: Expenses and Profit Provision– Variable Expenses –
Underwriting Profit
Actuarial Standard of Practice No. 38, Using Models Outside the Actuary’s Area
of Expertise (Property and Casualty)
- This ASOP is not applicable to this rate filing, as no models outside of the
Actuary’s Area of Expertise were applied
Actuarial Standard of Practice No. 39, Treatment of Catastrophe Losses in
Property/Casualty Insurance Ratemaking
- Att II, Page 5: Adjustments to Losses - Catastrophes
Actuarial Standard of Practice No. 41, Actuarial Communications
- Applies to this filing in its entirety
Attachment I
Page 1

ALLSTATE INDEMNITY COMPANY
VOLUNTARY PRIVATE PASSENGER AUTOMOBILE
DELAWARE
MATERIAL CHANGES IN SOURCES OF DATA, ASSUMPTIONS, OR
METHODS
Attachment I
Page 2
This document lists all material changes in sources of data, assumptions, or methods from
the last private passenger automobile Allstate rate level indication filing. These changes
are further described in the subsequent memos in compliance with Actuarial Standard of
Practice No. 41, Actuarial Communications.
ULAE Provision
- Use of combined-lines expense data, rather than expense data separated out by line of
business, as described in Attachment II, Page 4
Provision for General and Other Acquisition Expenses
- Use of combined-lines expense data, rather than expense data separated out by line
of business, as described in Attachment II, Page 6

ATTACHMENT II
Summary of Rate Level Indication

ALLSTATE INDEMNITY COMPANY
VOLUNTARY PRIVATE PASSENGER AUTOMOBILE
DELAWARE
FORMULA CALCULATIONS FOR RATE LEVEL INDICATIONS
Attachment II
Page 1
The data used in the calculation of the rate level indication was selected in accordance with the
considerations listed in Section 3.2 of Actuarial Standard of Practice No. 23, Data Quality. The
calculation of the rate level indication is consistent with the Statement of Principles Regarding
Property and Casualty Insurance Ratemaking.
A rate level indication is a test of the adequacy of expected revenues versus expected costs
during the future policy period. Therefore, to derive the indicated rate level need accurately,
Allstate's historical premium and loss experience needs to be adjusted. In accordance with
Section 3.1 of Actuarial Standard of Practice No. 13, Trending Procedures in Property/Casualty
Insurance Ratemaking, Allstate trends the underlying historical experience for premiums, losses,
and fixed expenses to appropriately reflect historical and projected changes in these components
of the rate level indications. In addition, historical premiums must be adjusted to reflect the
current rate level; and historical losses must be adjusted to reflect expected development over
time and to smooth the actual losses due to catastrophes. Details of these necessary adjustments
to the historical data used in the rate level indication are described in this memorandum. The
adjustments have been applied to Delaware’s premium and loss experience in deriving the
indicated rate level changes by coverage.
The table below summarizes the indicated rate change, and the actual rate level change being
proposed. The determination of the overall indicated change is included in Attachment III,
Exhibits 1.1-1.6, and described in detail throughout this filing.
Coverage
Indicated Rate Level
Change
Proposed Change
Bodily Injury + 33.9% + 22.9%
Property Damage + 108.8% + 29.8%
Personal Injury Protection + 36.3% + 22.8%
Uninsured/Underinsured
Motorist
- 53.7% 0.0%
Collision - 12.7% - 5.0%
Comprehensive - 67.3% - 20.0%
TOTAL + 26.9% + 15.0%

BASE DATA
Attachment II
Page 2
In developing formula indications for Delaware, data from fiscal accident years ending
December 31, 2008, 2009 and 2010 for all coverages was used. Each of these fiscal accident
years is evaluated as of March 31, 2010. Consistent with past Allstate Indemnity Company
filings, total limits data was used for all coverages.
Accident Year Weights
In order to develop a credible measure of the indicated rate level, it is sometimes necessary to
use more than one year of historical loss experience. A maximum of three accident years is
combined to determine the indicated provision for loss and loss adjustment expense for each
coverage. The number of years used by coverage and the credibility per year is based upon a
credibility procedure from the paper "On the Credibility of the Pure Premium" (Proceedings of
the Casualty Actuarial Society, Vol. LV, 1968), by Mayerson, Jones and Bowers, and the
appendix of the paper "Classical Partial Credibility with Application to Trend" (Proceedings of
the Casualty Actuarial Society, Vol. LXXIII, 1986), by Venter. The analysis for each coverage
was completed using a k value of 7.5% and a P value of 90.0%; these parameters reflect the
desire that the observed pure premium should be within k% of the expected pure premium with
probability P. In the present filing the following weights have been used:
Accident Year Weights for Year Ending
09/30/2008 09/30/2009 09/30/2010
Bodily Injury 33% 33% 34%
Property Damage 33% 33% 34%
Personal Injury
Protection
33% 33% 34%
Uninsured/Underinsure
33% 33% 34%
d Motorist
Collision 33% 33% 34%
Comprehensive 33% 33% 34%
This approach for incorporating credibility in determination of the accident year weights is
consistent with the Current Practices and Alternatives detailed in Section 3 of Actuarial Standard
of Practice No. 25, Credibility Procedures Applicable to Accident and Health, Group Term Life,
and Property/Casualty Coverages.

Loss Development
ADJUSTMENTS TO LOSSES
Attachment II
Page 3
As in past filings, accident year incurred losses are developed for the liability coverages, and
accident year paid losses are developed for the physical damage coverages. Allstate's standard
loss development procedure is to select ultimate accident year losses after analyzing estimates
developed using the Link Ratio and Additive methods. Accident year incurred losses are
developed for the liability coverages. Accident year paid losses are developed for the physical
damage coverages.
While the link ratio method assumes that future development is proportional to losses that have
already emerged as of a given evaluation date, the additive method assumes that future
development is proportional to the number of earned exposures in the accident period, where the
expected development per exposure is based on historical development patterns per exposure
adjusted to account for differences in frequency and severity over time. Allstate believes the
approach of considering two loss development procedures when estimating ultimate losses better
upholds the suggestion contained in the Statement of Principles Regarding Property and Casualty
Loss and Loss Adjustment Expense Reserves that “Ordinarily the actuary will examine the
indications of more than one method when estimating the loss and loss adjustment expense
liability for a specific group of claims.”
To calculate estimated ultimate losses using the Link Ratio methods, historical age-to-age link
ratios are calculated, which represent loss development between different evaluation periods. An
average of the historical link ratios is then used to estimate the ultimate level of paid losses to be
used in ratemaking. This method assumes that historical loss development patterns can be used
to estimate future loss development on current immature claims.
For the Additive loss development method, historical losses are first trended to today’s price
level using pure premium trends selected from Allstate Indemnity Company data. This is done
to avoid distortions due to changes in the underlying loss costs. Please note that due to the
different lengths of trend periods in each analysis, the selected pure premium trend that is used in
loss development often differs from the selected trend that applies to the underlying data.
Trended additive amounts per exposures are calculated, which represent trended loss
development between different evaluation periods. An average of the historical trended additive
amount per exposure is then used to estimate the ultimate trended level of paid losses. Trended
age-to-ultimate additive amounts per exposure are multiplied by earned exposures for each
accident year to calculate trended losses that have yet to emerge. A final step in the Additive
Method is to detrend the trended losses yet to emerge. Losses are detrended because the
application of trend is accounted for in a separate step in the ratemaking process. This method
assumes that historical loss development patterns per exposure can be used to estimate future
loss development on current immature claims.
Refer to Exhibits 3.1 through 4.6 of Attachment III for the loss development of each coverage
using both the Link Ratio and Additive Methods of loss development. A summary of the
estimated ultimate losses using each method as well as the selected ultimate losses is shown on

Exhibit 5. Please note that the actual five year average, excluding high/low outliers, loss
development factors and additive amounts per exposure were used for all coverages.
Loss Adjustment Expenses
Attachment II
Page 4
Allocated loss adjustment expenses are included in both incurred losses and paid losses.
Losses in the experience period for each coverage have been adjusted to account for unallocated
loss adjustment expenses (ULAE). A provision is developed using countrywide Allstate
Insurance Group data. In previous filings, expense data had been separated out by line of
business, as is done in the Insurance Expense Exhibit, to determine the ULAE provisions by line.
Moving forward, Allstate has opted to leave the ULAE data in combined-lines form since the
allocation of ULAE by line of business is done by accounting formula rather than pricing
analysis.
A three-year average of the ratios of countrywide, combined-lines, calendar year ULAE to
countrywide, combined-lines, calendar year incurred losses is used to determine the ULAE
provision. The average ratio is then applied to the losses for each coverage for each year used
in the formula calculation. The ULAE ratios that have been used in this filing are shown in
Exhibit 6.
Loss Trend
Frequency and severity amounts are calculated using the methodology described in “The Effect
of Changing Exposure Levels on Calendar Year Loss Trends” (Casualty Actuarial Society
Forum, Winter 2005) by Chris Styrsky. This methodology helps to more consistently match
losses and claims paid with the exposures that produced the claims.
Using adjusted Allstate Indemnity Company data for the state of Delaware, the past changes in
actual frequency and severity on a twelve-month-moving basis (evaluated at each quarter) over a
six year period were examined. After considering past results, claim practice changes,
countrywide Allstate data and actuarial judgment, annual pure premium trends were selected for
each coverage. The credibility level of Allstate loss trend data was analyzed by coverage based
on the number of claims paid in the latest experience year, which is consistent with the criteria
for selecting a credibility procedure outlined in section 3 of Actuarial Standard of Practice No.
25, Credibility Procedures Applicable to Accident and Health. Group Term Life, and
Property/Casualty Coverages. These selected trends are displayed in Exhibit 7. These annual
selections are used to project the data from the average occurrence date of the experience period
to the average occurrence date of the future policy period. This projection is also shown in
Exhibit 7. Allstate Indemnity Company trend data is included in Exhibits 8.1 through 8.18 of
Attachment III.
Paid frequency and paid severity data was primarily used for all coverages. Also, in order to
reflect additional stability in Allstate’s trend data for Comprehensive coverage, Comprehensive
data excluding catastrophes was used for selecting the trend.

Attachment II
Page 5
This approach for selecting pure premium trends is consistent with the Current Practices and
Alternatives detailed in Appendix 1 – Background and Current Practices of Actuarial Standard
of Practice No. 13, Trending Procedures in Property/Casualty Insurance Ratemaking.
Catastrophes
An adjustment has been made to Comprehensive coverage losses to more appropriately account
for catastrophes in the base data. All actual catastrophe losses during the experience period were
removed and then replaced with a provision to reflect expected catastrophe losses in Delaware.
A catastrophe loss provision based upon 25 years of data was used. The provision was
calculated by dividing total catastrophe losses by total Comprehensive coverage incurred losses
excluding catastrophes over the 25-year period. The resulting catastrophe provision is 2.8%.
The catastrophe provision is developed in Exhibit 9 and is applied to the Comprehensive
coverage losses in Exhibit 2.6. This adjustment to account for catastrophes is consistent with
the Analysis of Issues and Recommended Practices detailed in Section 3.4 of Actuarial Standard
of Practice No. 39, Treatment of Catastrophe Losses in Property/Casualty Insurance
Ratemaking.

EXPENSES AND PROFIT PROVISION
Attachment II
Page 6
The expense provisions described below were derived in accordance to Section 3.2, Determining
Expense Provisions, of Actuarial Standard of Practice No. 29, Expense Provisions in
Property/Casualty Insurance Ratemaking.
Exhibit 10 shows the expense provisions used in developing the current fixed and variable
expense ratios, as well as the underwriting profit and debt provisions.
Provisions
Fixed Expenses
General and Other Acquisition Expense
The provisions for general expense and other acquisition expense are based on countrywide data.
Since the methods and procedures that incur these expenses are uniform within each state, it is a
reasonable assumption that these expense provisions are uniform across all states. To develop
the provision for other acquisition and general expenses, a three-year average of countrywide
calendar year incurred expense divided by countrywide calendar year direct earned premium was
calculated. Because premiums charged for the net cost of reinsurance (NCOR) do not include
provisions for general and other acquisition expenses, the earned premium used in the
development of the general and other acquisition expenses is countrywide direct earned premium
less countrywide NCOR premium.
In previous filings, expense data had been separated out by line of business, as is done in the
Insurance Expense Exhibit, to determine the general and other acquisition expense provisions by
line. Moving forward, Allstate has opted to leave the expense data in combined-lines form since
the allocation of general and other acquisition expenses by line of business is done by accounting
formula rather than pricing analysis. However, company- and line-specific adjustments to other
acquisition expenses continue to be made, such as the reduction by the amount of installment
fees collected and the adjustment for premiums written off.
Licenses & Fees
A provision for licenses and fees that do not vary by premium size is determined by taking the
arithmetic average ratio of these licenses and fees from the latest three calendar years in
Delaware. The provision for licenses and fees is considered, along with the general and other
acquisition expense provisions, to be a fixed expense.
Rate Need Calculations
In developing the dollar provision for fixed expenses used in the calculation of our Delaware rate
level need by coverage, the three-year average expense ratio for fixed expenses is applied to the
average earned premium of Delaware. The Delaware average earned premium is developed
using the same three-year period used in the calculation of the expense ratio. The provision is
then adjusted for inflation expected to occur from the midpoint of the three years used in the
calculation of the average earned premium to the average earned date of the proposed policy

period to derive the provision included in the rate level indications.
Attachment II
Page 7
The expense provisions for other acquisition and general expenses are shown in Exhibits 11 and
12, respectively.
Trend (Inflation)
The method used to calculate the fixed expense trend is similar to the method used by the
Insurance Services Office (I.S.O.) and other competitors to determine a fixed expense trend. The
method utilizes the CPI (Consumer Price Index) and the ECI (Employment Cost Index –
Insurance Carriers, Agents, Brokers, & Service) and is discussed by Geoffrey Todd Werner,
FCAS, MAAA in his paper Incorporation of Fixed Expenses, which was published in the CAS
Forum (Winter 2004). Based on a review of the historical indices, an annual percentage change
is selected for each index. These selected annual percent changes are then weighted together
using the distribution of the Allstate expenditures in the latest calendar year for the two broad
expense categories that these indices represent. This method is expected to produce stable and
reasonable estimates of the true trend in fixed expenses and is consistent with the Current
Practices and Alternatives detailed in Appendix 1 – Background and Current Practices of
Actuarial Standard of Practice No. 13, Trending Procedures in Property/Casualty Insurance
Ratemaking. This trend is applied to all fixed expenses. Exhibit 13 shows the derivation of the
Factor to Adjust for Subsequent Change in Fixed Expense.
Commission and Brokerage Expense
Variable Expenses
The proposed commission and brokerage expense provision has been developed from the most
recent calendar year commission and brokerage incurred expense ratio in Delaware. The
provision is shown on Exhibit 10.
Taxes
The provision for taxes is determined by taking the currently prescribed Delaware premium tax
ratio and adding to that the arithmetic average ratio of other assessments that vary by the size of
the premium from the latest three calendar years in Delaware.
Underwriting Profit Provision
Allstate performs two separate cost of capital analyses in the estimation of its cost of equity. The
first uses the Fama-French Three-factor Model (FF3F), which reflects developments in the field
of financial economics as published in the Casualty Actuarial Society Forum, Winter, 2004 and
in Journal of Risk and Insurance, Vol. 72, No. 3, September 2005 (“Estimating the Cost of
Equity Capital For Property-Liability Insurers” by J. David Cummins and Richard D. Phillips).
The second is a Discounted Cash Flow (DCF) analysis, which estimates the expected future cash
flows to investors in order to gauge the proper cost of equity. Once both the DCF and FF3F
estimates had been calculated, Allstate selected a cost of equity of 10.00%, which reflected the

outcomes of both analyses.
An analysis of premium, loss and expense cash flows is used to calculate the investment
income on policy holder supplied funds (PHSF). This methodology is one of the two
examples given in Actuarial Standard of Practice, No. 30, Treatment of Profit and
Contingency Provisions and the Cost of Capital in Property/Casualty Insurance
Ratemaking, as appropriate methods for recognizing investment income from insurance
operations (page 4).
Attachment II
Page 8
The calculations detailing this investment income analysis are found in Exhibits 14.1 and 14.2
for liability and physical damage coverages, respectively. The rate (applied as a force of
interest) used to discount losses and expenses includes anticipated net investment income and
anticipated capital gains, both realized and unrealized. Operating cash flows are discounted to
the average time of earnings of premium and profit for the policy year, rather than to the start of
the policy year.
Debt Provision
The cost of debt is listed as a separate provision in the Variable Expense and Profit Ratio. The
debt provision amount is shown on Exhibit 10.

ADJUSTMENTS TO PREMIUMS
Attachment II
Page 9
Current Rate Level
All premiums in the experience period were adjusted to current rate level in Delaware. As in the
last filing, Allstate uses the "Miller-Davis-Karlinski" method to do this since it more accurately
calculates factors to current rate level in instances when exposures are changing throughout the
year, whether through growth, shrinkage or seasonality. (When exposures are, in fact, written
uniformly throughout the year, this method produces approximately the same answers as the
parallelogram method.)
We also use the Miller-Davis-Karlinski method to bring premiums to current rate level prior to
calculating the changes in average premium (the premium trends).
Premium Trend
In addition to bringing premiums to current rate level, changes in the average written premium at
the current premium level were reviewed. Based upon this review, historical premium trends
were selected to account for shifts in the distribution of various rating characteristics such as
driver classification, increased limits, model year and price group symbols (PGS). Since the
effects on losses caused by these shifts are reflected in the loss trends, it is important that
Allstate also account for the anticipated future changes in premiums. Therefore, projected
premium trend was taken into consideration when calculating the rate level need by coverage.
The selected projections are displayed in Exhibit 16. These annual selections are used to project
the data from the average earned date of the experience period to the average earned date of the
future policy period. Allstate Indemnity Company premium trend data is included in Exhibits
17.1 through 17.6 of Attachment III.
This approach for selecting premium trends is consistent with the Current Practices and
Alternatives detailed in Appendix 1 – Background and Current Practices of Actuarial Standard
of Practice No. 13, Trending Procedures in Property/Casualty Insurance Ratemaking

ATTACHMENT III
Rate Level Indication Exhibits

Allstate Indemnity Company
Private Passenger Auto
Delaware
Determination of Statewide Rate Level Indication
Bodily Injury
1) Indicated Provision for Loss and Loss Adjustment Expense
2) Current Fixed Expense Ratio
3) Three Year Average Earned Premium
4) Current Dollar Provision for Fixed Expense [ (2) x (3) ]
5) Factor to Adjust for Subsequent Change in Fixed Expense
6) Indicated Provision for Fixed Expense [ (4) x (5) ]
7) Variable Expense and Profit Ratio
8) Indicated Average Premium [ (1) + (6) ] / [ 1 - (7) ]
9) Projected Average Earned Premium at Current Rates
10) Indicated Rate Level Change [ (8) / (9) - 1.0 ]
Attachment III
Exhibit 1.1
$499.22
9.6 %
$518.86
$49.81
1.075
$53.55
20.5 %
$695.31
$519.22
33.9 %

Allstate Indemnity Company
Private Passenger Auto
Delaware
Determination of Statewide Rate Level Indication
Property Damage
1) Indicated Provision for Loss and Loss Adjustment Expense
2) Current Fixed Expense Ratio
3) Three Year Average Earned Premium
4) Current Dollar Provision for Fixed Expense [ (2) x (3) ]
5) Factor to Adjust for Subsequent Change in Fixed Expense
6) Indicated Provision for Fixed Expense [ (4) x (5) ]
7) Variable Expense and Profit Ratio
8) Indicated Average Premium [ (1) + (6) ] / [ 1 - (7) ]
9) Projected Average Earned Premium at Current Rates
10) Indicated Rate Level Change [ (8) / (9) - 1.0 ]
Attachment III
Exhibit 1.2
$436.96
9.6 %
$281.40
$27.01
1.075
$29.04
20.5 %
$586.16
$280.76
108.8 %

Allstate Indemnity Company
Private Passenger Auto
Delaware
Determination of Statewide Rate Level Indication
Personal Injury Protection
1) Indicated Provision for Loss and Loss Adjustment Expense
2) Current Fixed Expense Ratio
3) Three Year Average Earned Premium
4) Current Dollar Provision for Fixed Expense [ (2) x (3) ]
5) Factor to Adjust for Subsequent Change in Fixed Expense
6) Indicated Provision for Fixed Expense [ (4) x (5) ]
7) Variable Expense and Profit Ratio
8) Indicated Average Premium [ (1) + (6) ] / [ 1 - (7) ]
9) Projected Average Earned Premium at Current Rates
10) Indicated Rate Level Change [ (8) / (9) - 1.0 ]
Attachment III
Exhibit 1.3
$318.69
9.6 %
$336.30
$32.28
1.075
$34.70
20.5 %
$444.52
$326.09
36.3 %

Allstate Indemnity Company
Private Passenger Auto
Delaware
Determination of Statewide Rate Level Indication
Uninsured / Underinsured Motorist
1) Indicated Provision for Loss and Loss Adjustment Expense
2) Current Fixed Expense Ratio
3) Three Year Average Earned Premium
4) Current Dollar Provision for Fixed Expense [ (2) x (3) ]
5) Factor to Adjust for Subsequent Change in Fixed Expense
6) Indicated Provision for Fixed Expense [ (4) x (5) ]
7) Variable Expense and Profit Ratio
8) Indicated Average Premium [ (1) + (6) ] / [ 1 - (7) ]
9) Projected Average Earned Premium at Current Rates
10) Indicated Rate Level Change [ (8) / (9) - 1.0 ]
Attachment III
Exhibit 1.4
$29.46
9.6 %
$117.28
$11.26
1.075
$12.10
20.5 %
$52.28
$112.88
-53.7 %

Allstate Indemnity Company
Private Passenger Auto
Delaware
Determination of Statewide Rate Level Indication
Collision
1) Indicated Provision for Loss and Loss Adjustment Expense
2) Current Fixed Expense Ratio
3) Three Year Average Earned Premium
4) Current Dollar Provision for Fixed Expense [ (2) x (3) ]
5) Factor to Adjust for Subsequent Change in Fixed Expense
6) Indicated Provision for Fixed Expense [ (4) x (5) ]
7) Variable Expense and Profit Ratio
8) Indicated Average Premium [ (1) + (6) ] / [ 1 - (7) ]
9) Projected Average Earned Premium at Current Rates
10) Indicated Rate Level Change [ (8) / (9) - 1.0 ]
Attachment III
Exhibit 1.5
$583.32
9.6 %
$775.47
$74.45
1.075
$80.03
21.5 %
$845.03
$965.32
-12.5 %

Allstate Indemnity Company
Private Passenger Auto
Delaware
Determination of Statewide Rate Level Indication
Comprehensive
1) Indicated Provision for Loss and Loss Adjustment Expense
2) Current Fixed Expense Ratio
3) Three Year Average Earned Premium
4) Current Dollar Provision for Fixed Expense [ (2) x (3) ]
5) Factor to Adjust for Subsequent Change in Fixed Expense
6) Indicated Provision for Fixed Expense [ (4) x (5) ]
7) Variable Expense and Profit Ratio
8) Indicated Average Premium [ (1) + (6) ] / [ 1 - (7) ]
9) Projected Average Earned Premium at Current Rates
10) Indicated Rate Level Change [ (8) / (9) - 1.0 ]
Attachment III
Exhibit 1.6
$67.09
9.6 %
$336.43
$32.30
1.075
$34.72
21.5 %
$129.69
$395.50
-67.2 %

Fiscal Year Ending
(1)
Earned Exposures
(2)
Accident Year *
Non-Catastrophe
Ultimate Loss
(3)
Ultimate Loss and
LAE
(4)
Factor to Adjust
Losses for Pure
Premium Trend
(5)
Projected Ultimate
Loss and LAE
(6)
Projected Average
Loss and LAE
(5)/(1)
12/31/2008 507 $71,700 $83,172 2.041 $169,754 $334.82
12/31/2009 873 320,000 371,200 1.730 642,176 735.60
12/31/2010 1,208 305,000 353,800 1.466 518,671 429.36
* Evaluated at 15 months
(8) Indicated Provision for Loss and LAE
Allstate Indemnity Company
Private Passenger Auto
Delaware
Development of Provision for Loss and LAE
Bodily Injury
$499.22
(7)
Experience Year
Weights
33 %
33
34
Attachment III
Exhibit 2.1

Fiscal Year Ending
(1)
Earned Exposures
(2)
Accident Year *
Non-Catastrophe
Ultimate Loss
(3)
Ultimate Loss and
LAE
(4)
Factor to Adjust
Losses for Pure
Premium Trend
(5)
Projected Ultimate
Loss and LAE
(6)
Projected Average
Loss and LAE
(5)/(1)
12/31/2008 507 $92,243 $107,002 1.759 $188,217 $371.24
12/31/2009 873 256,100 297,076 1.543 458,388 525.07
12/31/2010 1,208 319,600 370,736 1.353 501,606 415.24
* Evaluated at 15 months
(8) Indicated Provision for Loss and LAE
Allstate Indemnity Company
Private Passenger Auto
Delaware
Development of Provision for Loss and LAE
Property Damage
$436.96
(7)
Experience Year
Weights
33 %
33
34
Attachment III
Exhibit 2.2

Fiscal Year Ending
(1)
Earned Exposures
(2)
Accident Year *
Non-Catastrophe
Ultimate Loss
(3)
Ultimate Loss and
LAE
(4)
Factor to Adjust
Losses for Pure
Premium Trend
(5)
Projected Ultimate
Loss and LAE
(6)
Projected Average
Loss and LAE
(5)/(1)
12/31/2008 507 $12,000 $13,920 1.947 $27,102 $53.46
12/31/2009 873 265,000 307,400 1.558 478,929 548.60
12/31/2010 1,208 295,000 342,200 1.246 426,381 352.96
* Evaluated at 15 months
(8) Indicated Provision for Loss and LAE
Allstate Indemnity Company
Private Passenger Auto
Delaware
Development of Provision for Loss and LAE
Personal Injury Protection
$318.69
(7)
Experience Year
Weights
33 %
33
34
Attachment III
Exhibit 2.3

Fiscal Year Ending
(1)
Earned Exposures
(2)
Accident Year *
Non-Catastrophe
Ultimate Loss
(3)
Ultimate Loss and
LAE
(4)
Factor to Adjust
Losses for Pure
Premium Trend
(5)
Projected Ultimate
Loss and LAE
(6)
Projected Average
Loss and LAE
(5)/(1)
12/31/2008 447 $1,946 $2,257 1.234 $2,785 $6.23
12/31/2009 762 31,466 36,501 1.175 42,889 56.28
12/31/2010 1,014 20,300 23,548 1.119 26,350 25.99
* Evaluated at 15 months
(8) Indicated Provision for Loss and LAE
Allstate Indemnity Company
Private Passenger Auto
Delaware
Development of Provision for Loss and LAE
Uninsured / Underinsured Motorist
$29.46
(7)
Experience Year
Weights
33 %
33
34
Attachment III
Exhibit 2.4

Fiscal Year Ending
(1)
Earned Exposures
(2)
Accident Year *
Non-Catastrophe
Ultimate Loss
(3)
Ultimate Loss and
LAE
(4)
Factor to Adjust
Losses for Pure
Premium Trend
(5)
Projected Ultimate
Loss and LAE
(6)
Projected Average
Loss and LAE
(5)/(1)
12/31/2008 239 $56,615 $65,673 1.508 $99,035 $414.37
12/31/2009 329 135,930 157,679 1.371 216,178 657.08
12/31/2010 400 187,000 216,920 1.246 270,282 675.71
* Evaluated at 15 months
(8) Indicated Provision for Loss and LAE
Allstate Indemnity Company
Private Passenger Auto
Delaware
Development of Provision for Loss and LAE
Collision
$583.32
(7)
Experience Year
Weights
33 %
33
34
Attachment III
Exhibit 2.5

Fiscal Year Ending
(1)
Earned Exposures
(2)
Accident Year *
Non-Catastrophe
Ultimate Loss
(3)
Average
Catastrophe Factor
(4)
Accident Year
Ultimate Loss
(2) * (1+(3))
(5)
Ultimate Loss and
LAE
(6)
Factor to Adjust
Losses for Pure
Premium Trend at
3/31/2011
(7)
Projected Ultimate
Loss and LAE
Attachment III
Exhibit 2.6
(8)
Projected Average
Loss and LAE
(7)/(1)
12/31/2008 262 $13,293 0.028 $13,665 $15,851 1.000 $15,851 $60.50
12/31/2009 360 29,730 0.028 30,562 35,452 1.000 35,452 98.48
12/31/2010 442 15,947 0.028 16,394 19,017 1.000 19,017 43.02
* Evaluated at 15 months
(10) Indicated Provision for Loss and LAE
Allstate Indemnity Company
Private Passenger Auto
Delaware
Development of Provision for Loss and LAE
Comprehensive
$67.09
(9)
Experience Year
Weights
33 %
33
34

Fiscal Accident Earned
Year Ending 12/31 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months‡ Exposures
1997 1,336,778 1,639,831 1,976,075 2,125,640 2,227,066 2,224,899 2,249,965 2,272,287 2,264,051 2,264,051 6,801
1998 1,286,391 1,788,848 1,970,905 2,235,397 2,291,102 2,293,984 2,295,107 2,295,107 2,295,107 2,295,107 6,485
1999 1,120,736 1,508,731 1,816,832 1,878,098 1,921,938 1,928,532 1,942,643 1,942,643 1,942,643 1,942,643 6,523
2000 1,185,272 1,292,640 1,469,484 1,648,173 1,695,092 1,682,635 1,698,675 1,698,675 1,698,675 1,698,675 5,456
2001 615,304 722,633 819,540 876,761 879,084 876,969 877,969 877,969 877,969 877,969 3,811
2002 436,827 563,562 730,157 737,348 753,008 753,008 753,008 753,008 753,008 2,774
2003 160,413 256,470 262,195 274,430 274,430 274,430 274,430 274,430 1,422
2004 140,120 170,842 163,292 168,837 168,124 168,124 168,124 1,069
2005 77,815 112,769 111,573 111,573 111,573 111,573 870
2006 37,822 35,546 36,546 36,546 36,546 736
2007 107,672 107,814 140,192 135,066 593
2008 50,907 82,578 70,876 507
2009 313,478 320,311 873
2010 275,794 1,208
Selected Trend: -4.0%
Trended Incurred Losses
Fiscal Accident
Year Ending 12/31 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months‡
1997 1,331,718 1,331,718
1998 1,406,234 1,406,234 1,406,234
1999 1,239,871 1,239,871 1,239,871 1,239,871
2000 1,118,671 1,129,335 1,129,335 1,129,335 1,129,335
2001 608,796 607,331 608,023 608,023 608,023 608,023
2002 531,915 543,212 543,212 543,212 543,212 543,212
2003 197,026 206,220 206,220 206,220 206,220 206,220
2004 133,728 127,818 132,158 131,600 131,600 131,600
2005 63,448 91,949 90,974 90,974 90,974 90,974
2006 32,124 30,191 31,040 31,040 31,040
2007 95,261 95,387 124,033 119,498
2008 46,916 76,104 65,319
2009 300,939 307,499
2010 275,794
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
4th Prior 32.760 -5.529 6.466 4.072 -0.384 1.955 0.000 0.000 0.000
3rd Prior -2.626 -1.121 4.060 0.000 0.000 0.182 0.000 0.000 0.000
2nd Prior 0.212 1.154 0.000 -0.522 0.000 0.000 0.000 0.000 0.000
1st Prior 57.570 48.307 0.000 0.000 0.000 0.000 0.000 0.000 0.000
Latest 7.514 -21.272 -7.648 0.000 0.000 0.000 0.000 0.000 0.000
5 Year Excluding High/Low Outliers: 15.06 -2.26 1.62 0.00 0.00 0.11 0.00 0.00 0.00
Selected: 15.06 -2.26 1.62 0.00 0.00 0.11 0.00 0.00 0.00
Selected Methodology
Additive Method
Loss Development Period ( months ): 15 - 123 27 - 123 39 - 123 51 - 123 63 - 123
Additive Amt per Exp: 14.53 -0.53 1.73 0.11 0.11
†Includes ALAE
‡Includes supplemental reserves in addition to case reserves
Year
Trended
Age-to-Ult
Additive Amt
Per Exposure
Earned
Exposures
Allstate Indemnity Company
Trended
Losses Yet
To Emerge
Allstate Indemnity Company
Private Passenger Auto
Delaware
Calculation of Loss Development Factors
Bodily Injury
Incurred Losses †
(36 pt. primary considered for all coverages)
Trended Additive Amounts per Exposure
De-Trended
Losses Yet
To Emerge
Incurred
Loss & ALAE
Ultimate
Loss & ALAE
2008 1.73 507 877 952 70,876 71,828
2009 -0.53 873 -463 -482 320,311 319,829
2010 14.53 1,208 17,552 17,552 275,794 293,346
Attachment III
Exhibit 3.1

Fiscal Accident Earned
Year Ending 12/31 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months‡ Exposures
1997 1,018,648 1,051,203 1,085,217 1,075,217 1,075,723 1,065,985 1,065,985 1,065,985 1,065,985 1,065,985 6,801
1998 931,634 1,017,760 1,069,121 1,046,290 1,054,269 1,054,269 1,054,269 1,054,269 1,054,269 1,054,269 6,485
1999 1,001,992 1,058,159 1,101,518 1,105,860 1,105,860 1,105,860 1,105,860 1,105,860 1,105,860 1,105,860 6,523
2000 848,516 930,350 961,178 941,197 941,197 946,197 946,197 946,197 946,197 946,197 5,456
2001 435,805 471,489 488,739 481,915 481,915 481,915 481,915 481,915 481,915 481,915 3,811
2002 398,675 421,277 432,273 434,220 434,220 434,220 434,220 434,220 434,220 2,774
2003 187,571 218,712 218,712 218,712 218,712 218,712 218,712 218,712 1,422
2004 98,334 109,195 110,146 110,146 110,146 110,146 110,146 1,069
2005 131,342 141,531 141,531 141,531 141,531 141,531 870
2006 54,791 54,791 54,791 54,791 54,791 736
2007 118,460 121,942 122,564 122,564 593
2008 95,450 92,243 92,243 507
2009 195,427 255,675 873
2010 308,194 1,208
Selected Trend: 8.0%
Trended Incurred Losses
Fiscal Accident
Year Ending 12/31 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months‡
1997 2,899,078 2,899,078
1998 2,654,829 2,654,829 2,654,829
1999 2,578,466 2,578,466 2,578,466 2,578,466
2000 2,042,768 2,042,768 2,042,768 2,042,768 2,042,768
2001 963,350 963,350 963,350 963,350 963,350 963,350
2002 803,711 803,711 803,711 803,711 803,711 803,711
2003 374,834 374,834 374,834 374,834 374,834 374,834
2004 173,279 174,788 174,788 174,788 174,788 174,788
2005 192,984 207,955 207,955 207,955 207,955 207,955
2006 74,543 74,543 74,543 74,543 74,543
2007 149,225 153,612 154,395 154,395
2008 111,333 107,592 107,592
2009 211,061 276,129
2010 308,194
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
4th Prior 17.208 1.412 0.000 0.000 0.000 0.000 0.000 0.000 0.000
3rd Prior 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
2nd Prior 7.398 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
1st Prior -7.379 1.320 0.000 0.000 0.000 0.000 0.000 0.000 0.000
Latest 74.534 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
5 Year Excluding High/Low Outliers: 8.80 0.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Selected: 8.80 0.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Selected Methodology
Additive Method
Loss Development Period ( months ): 15 - 123 27 - 123 39 - 123 51 - 123 63 - 123
Additive Amt per Exp: 9.23 0.43 0.00 0.00 0.00
†Includes ALAE
‡Includes supplemental reserves in addition to case reserves
Year
Trended
Age-to-Ult
Additive Amt
Per Exposure
Earned
Exposures
Allstate Indemnity Company
Trended
Losses Yet
To Emerge
Allstate Indemnity Company
Private Passenger Auto
Delaware
Calculation of Loss Development Factors
Property Damage
Incurred Losses †
Trended Additive Amounts per Exposure
De-Trended
Losses Yet
To Emerge
Incurred
Loss & ALAE
Ultimate
Loss & ALAE
2008 0.00 507 0 0 92,243 92,243
2009 0.43 873 375 347 255,675 256,022
2010 9.23 1,208 11,150 11,150 308,194 319,344
Attachment III
Exhibit 3.2

Fiscal Accident Earned
Year Ending 12/31 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months‡ Exposures
1997 2,058,314 1,808,211 1,690,913 1,590,121 1,585,655 1,575,962 1,579,427 1,579,427 1,579,427 1,579,427 6,801
1998 2,294,976 2,063,331 1,923,271 1,888,515 1,875,575 1,880,075 1,880,046 1,880,046 1,880,046 1,885,116 6,485
1999 2,018,649 1,975,799 1,699,053 1,624,720 1,614,769 1,584,688 1,584,688 1,584,688 1,584,688 1,584,688 6,523
2000 1,687,387 1,340,752 1,130,576 1,058,637 1,045,801 1,047,101 1,047,101 1,047,101 1,047,620 1,047,620 5,456
2001 787,333 723,125 722,449 675,318 663,100 666,246 666,599 666,599 666,599 666,599 3,811
2002 485,365 434,253 397,579 371,559 371,916 371,916 371,916 371,916 371,916 2,774
2003 223,189 244,240 229,139 206,446 180,458 180,458 180,458 173,337 1,422
2004 206,834 211,414 208,559 201,059 201,059 201,059 201,059 1,069
2005 103,898 108,220 78,213 66,426 66,426 66,426 870
2006 42,618 40,065 38,532 19,625 20,983 736
2007 123,916 115,617 79,861 83,102 593
2008 41,721 17,732 16,303 507
2009 343,495 310,010 873
2010 374,175 1,208
Selected Trend: 0.0%
Trended Incurred Losses
Fiscal Accident
Year Ending 12/31 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months‡
1997 1,579,427 1,579,427
1998 1,880,046 1,880,046 1,885,116
1999 1,584,688 1,584,688 1,584,688 1,584,688
2000 1,047,101 1,047,101 1,047,101 1,047,620 1,047,620
2001 663,100 666,246 666,599 666,599 666,599 666,599
2002 371,559 371,916 371,916 371,916 371,916 371,916
2003 229,139 206,446 180,458 180,458 180,458 173,337
2004 211,414 208,559 201,059 201,059 201,059 201,059
2005 103,898 108,220 78,213 66,426 66,426 66,426
2006 42,618 40,065 38,532 19,625 20,983
2007 123,916 115,617 79,861 83,102
2008 41,721 17,732 16,303
2009 343,495 310,010
2010 374,175
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
4th Prior 4.968 -2.671 -15.959 0.129 0.826 0.000 0.000 0.000 0.000
3rd Prior -3.469 -34.491 -7.016 -18.276 0.000 0.093 0.000 0.000 0.782
2nd Prior -13.995 -2.083 -13.548 0.000 0.000 0.000 0.000 0.095 0.000
1st Prior -47.316 -60.297 -25.689 0.000 0.000 0.000 0.000 0.000 0.000
Latest -38.356 -2.819 5.465 1.845 0.000 0.000 -5.008 0.000 0.000
5 Year Excluding High/Low Outliers: -20.13 -14.02 -12.49 0.08 0.00 0.00 0.00 0.00 0.00
Selected: -20.13 -14.02 -12.49 0.08 0.00 0.00 0.00 0.00 0.00
Selected Methodology
Additive Method
Loss Development Period ( months ): 15 - 123 27 - 123 39 - 123 51 - 123 63 - 123
Additive Amt per Exp: -46.56 -26.43 -12.41 0.08 0.00
†Includes ALAE
‡Includes supplemental reserves in addition to case reserves
Year
Trended
Age-to-Ult
Additive Amt
Per Exposure
Earned
Exposures
Allstate Indemnity Company
Trended
Losses Yet
To Emerge
Allstate Indemnity Company
Private Passenger Auto
Delaware
Calculation of Loss Development Factors
Personal Injury Protection
Incurred Losses †
Trended Additive Amounts per Exposure
De-Trended
Losses Yet
To Emerge
Incurred
Loss & ALAE
Ultimate
Loss & ALAE
2008 -12.41 507 -6,292 -6,292 16,303 10,011
2009 -26.43 873 -23,073 -23,073 310,010 286,937
2010 -46.56 1,208 -56,244 -56,244 374,175 317,931
Attachment III
Exhibit 3.3

Fiscal Accident Earned
Year Ending 12/31 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months‡ Exposures
1997 406,384 447,708 464,566 426,016 467,688 442,743 442,925 443,461 443,461 443,461 6,127
1998 262,015 314,066 353,545 366,875 359,690 350,401 350,401 350,401 350,401 350,401 5,970
1999 276,622 339,078 413,066 419,029 425,586 406,732 406,732 406,732 406,732 406,732 6,122
2000 135,531 184,960 220,021 219,292 219,959 219,959 219,959 219,959 219,959 219,959 5,090
2001 111,243 117,039 151,631 158,849 159,014 159,014 160,095 160,095 160,095 160,095 3,566
2002 55,069 82,039 93,979 90,446 93,081 93,081 93,081 93,081 93,081 2,596
2003 27,703 26,044 26,044 26,044 26,044 26,044 26,044 26,044 1,315
2004 23,121 12,421 22,421 22,421 19,386 19,386 19,386 989
2005 5,930 5,734 5,734 5,734 5,734 5,734 806
2006 32,688 11,188 11,188 11,188 11,188 681
2007 7,632 7,632 7,632 7,632 529
2008 2,196 1,946 1,946 447
2009 28,052 31,466 762
2010 20,895 1,014
Selected Trend: -10.0%
Trended Incurred Losses
Fiscal Accident
Year Ending 12/31 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months‡
1997 112,722 112,722
1998 98,964 98,964 98,964
1999 127,637 127,637 127,637 127,637
2000 76,695 76,695 76,695 76,695 76,695
2001 61,605 61,605 62,024 62,024 62,024 62,024
2002 38,934 40,068 40,068 40,068 40,068 40,068
2003 12,457 12,457 12,457 12,457 12,457 12,457
2004 6,601 11,915 11,915 10,303 10,303 10,303
2005 3,502 3,386 3,386 3,386 3,386 3,386
2006 21,447 7,340 7,340 7,340 7,340
2007 5,564 5,564 5,564 5,564
2008 1,779 1,576 1,576
2009 25,247 28,319
2010 20,895
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
4th Prior -0.144 5.373 0.000 0.437 0.000 0.000 0.000 0.000 0.000
3rd Prior -20.715 0.000 0.000 0.000 0.000 0.117 0.000 0.000 0.000
2nd Prior 0.000 0.000 0.000 -1.630 0.000 0.000 0.000 0.000 0.000
1st Prior -0.454 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
Latest 4.031 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
5 Year Excluding High/Low Outliers: -0.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Selected: -0.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Selected Methodology
Additive Method
Loss Development Period ( months ): 15 - 123 27 - 123 39 - 123 51 - 123 63 - 123
Additive Amt per Exp: -0.18 0.00 0.00 0.00 0.00
†Includes ALAE
‡Includes supplemental reserves in addition to case reserves
Year
Trended
Age-to-Ult
Additive Amt
Per Exposure
Earned
Exposures
Allstate Indemnity Company
Trended
Losses Yet
To Emerge
Allstate Indemnity Company
Private Passenger Auto
Delaware
Calculation of Loss Development Factors
Uninsured / Underinsured Motorist
Incurred Losses †
Trended Additive Amounts per Exposure
De-Trended
Losses Yet
To Emerge
Incurred
Loss & ALAE
Ultimate
Loss & ALAE
2008 0.00 447 0 0 1,946 1,946
2009 0.00 762 0 0 31,466 31,466
2010 -0.18 1,014 -183 -183 20,895 20,712
Attachment III
Exhibit 3.4

Fiscal Accident Earned
Year Ending 12/31 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months Exposures
1997 1,130,059 1,069,463 1,065,927 1,066,558 1,066,558 1,071,407 1,071,407 1,071,407 1,071,407 1,071,407 3,369
1998 1,219,119 1,149,919 1,143,054 1,136,501 1,136,501 1,136,501 1,136,501 1,136,501 1,136,501 1,136,501 3,289
1999 1,210,791 1,165,700 1,169,058 1,169,574 1,169,574 1,169,574 1,169,574 1,169,819 1,170,139 1,168,952 3,289
2000 935,167 905,852 903,073 903,073 903,084 903,094 902,729 902,794 902,239 901,699 2,906
2001 684,988 663,909 666,830 668,630 668,675 668,675 668,675 668,675 668,675 668,675 2,204
2002 546,308 527,086 527,108 527,108 527,108 527,108 527,108 527,108 527,108 1,647
2003 359,432 340,297 341,608 341,608 341,608 341,608 341,608 341,608 849
2004 197,565 191,029 191,104 189,656 189,656 189,656 189,656 620
2005 136,519 118,709 118,709 118,709 118,709 118,709 501
2006 86,375 86,375 86,378 86,378 86,378 404
2007 76,177 75,576 75,576 75,576 300
2008 60,637 55,973 56,622 239
2009 133,785 135,930 329
2010 190,719 400
Selected Trend: 1.0%
Trended Paid Losses
Fiscal Accident
Year Ending 12/31 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1997 1,219,361 1,219,361
1998 1,280,638 1,280,638 1,280,638
1999 1,304,857 1,305,130 1,305,487 1,304,163
2000 997,578 997,174 997,246 996,633 996,037
2001 731,320 731,320 731,320 731,320 731,320 731,320
2002 570,782 570,782 570,782 570,782 570,782 570,782
2003 366,250 366,250 366,250 366,250 366,250 366,250
2004 202,781 202,861 201,324 201,324 201,324 201,324
2005 143,483 124,764 124,764 124,764 124,764 124,764
2006 89,882 89,882 89,885 89,885 89,885
2007 78,485 77,866 77,866 77,866
2008 61,856 57,098 57,760
2009 135,123 137,289
2010 190,719
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
4th Prior -37.363 0.129 0.000 0.000 0.000 -0.139 0.083 0.000 0.000
3rd Prior 0.000 0.000 -2.479 0.000 0.000 0.000 0.025 0.109 0.000
2nd Prior -2.063 0.007 0.000 0.000 0.000 0.000 0.000 -0.211 -0.403
1st Prior -19.908 0.000 0.000 0.000 0.000 0.000 0.000 0.000 -0.205
Latest 6.584 2.770 0.000 0.000 0.000 0.000 0.000 0.000 0.000
5 Year Excluding High/Low Outliers -5.70 0.06 0.00 0.00 0.00 0.00 0.01 0.00 -0.07
Selected Methodology
Loss Development Period ( months ): 15 - 123 27 - 123 39 - 123 51 - 123 63 - 123
Additive Amt per Exp: -5.70 0.00 -0.06 -0.06 -0.06
†Includes ALAE
Additive Method
Year
Trended
Age-to-Ult
Additive Amt
Per Exposure
Earned
Exposures
Allstate Indemnity Company
Trended
Losses Yet
To Emerge
Allstate Indemnity Company
Private Passenger Auto
Delaware
Calculation of Loss Development Factors
Collision
Paid Losses †
Trended Additive Amounts per Exposure
De-Trended
Losses Yet
To Emerge
Paid
Loss & ALAE
Ultimate
Loss & ALAE
2008 -0.06 239 -14 -14 56,622 56,608
2009 0.00 329 0 0 135,930 135,930
2010 -5.70 400 -2,280 -2,280 190,719 188,439
Attachment III
Exhibit 3.5

Fiscal Accident Earned
Year Ending 12/31 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months Exposures
1997 431,745 444,313 444,246 444,619 444,619 444,619 444,619 444,619 444,619 444,619 3,521
1998 385,907 399,948 399,958 399,958 399,958 399,958 399,958 399,958 399,958 399,958 3,462
1999 455,119 460,485 460,438 459,578 458,698 458,062 458,062 458,062 458,062 452,665 3,449
2000 261,592 260,146 256,886 256,871 256,871 256,571 256,571 253,121 253,121 253,121 3,037
2001 201,647 204,283 204,388 204,388 204,388 204,388 204,388 204,388 204,388 204,388 2,305
2002 144,501 140,347 140,656 140,656 140,656 140,656 140,656 140,656 140,656 1,719
2003 74,238 74,128 74,128 74,128 74,128 74,128 74,128 74,128 891
2004 34,728 34,578 34,578 34,578 34,578 34,578 34,578 654
2005 26,272 26,269 26,269 26,269 26,269 26,269 530
2006 27,635 28,617 28,617 28,617 28,617 433
2007 23,686 23,686 23,686 23,686 329
2008 13,368 13,293 13,293 262
2009 29,730 29,730 360
2010 15,947 442
Selected Trend: -3.0%
Trended Paid Losses
Fiscal Accident
Year Ending 12/31 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1997 299,241 299,241
1998 277,508 277,508 277,508
1999 327,652 327,652 327,652 323,792
2000 189,202 189,202 186,658 186,658 186,658
2001 155,382 155,382 155,382 155,382 155,382 155,382
2002 110,238 110,238 110,238 110,238 110,238 110,238
2003 59,894 59,894 59,894 59,894 59,894 59,894
2004 28,803 28,803 28,803 28,803 28,803 28,803
2005 22,561 22,558 22,558 22,558 22,558 22,558
2006 24,465 25,334 25,334 25,334 25,334
2007 21,618 21,618 21,618 21,618
2008 12,578 12,507 12,507
2009 28,838 28,838
2010 15,947
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
4th Prior -0.006 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
3rd Prior 2.007 0.000 0.000 0.000 0.000 0.000 -0.838 0.000 0.000
2nd Prior 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 -1.119
1st Prior -0.271 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
Latest 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
5 Year Excluding High/Low Outliers: 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Selected: 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Selected Methodology
Loss Development Period ( months ): 15 - 123 27 - 123 39 - 123 51 - 123 63 - 123
Additive Amt per Exp: 0.00 0.00 0.00 0.00 0.00
†Includes ALAE
Additive Method
Year
Trended
Age-to-Ult
Additive Amt
Per Exposure
Earned
Exposures
Allstate Indemnity Company
Trended
Losses Yet
To Emerge
Allstate Indemnity Company
Private Passenger Auto
Delaware
Calculation of Loss Development Factors
Comprehensive
Paid Losses †
Trended Additive Amounts per Exposure
De-Trended
Losses Yet
To Emerge
Paid
Loss & ALAE
Ultimate
Loss & ALAE
2008 0.00 262 0 0 13,293 13,293
2009 0.00 360 0 0 29,730 29,730
2010 0.00 442 0 0 15,947 15,947
Attachment III
Exhibit 3.6

Fiscal Accident
Attachment III
Exhibit 4.1
Year Ending 12/31 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months‡
1997 2,264,051 2,264,051
1998 2,295,107 2,295,107 2,295,107
1999 1,942,643 1,942,643 1,942,643 1,942,643
2000 1,682,635 1,698,675 1,698,675 1,698,675 1,698,675
2001 879,084 876,969 877,969 877,969 877,969 877,969
2002 737,348 753,008 753,008 753,008 753,008 753,008
2003 262,195 274,430 274,430 274,430 274,430 274,430
2004 170,842 163,292 168,837 168,124 168,124 168,124
2005 77,815 112,769 111,573 111,573 111,573 111,573
2006 37,822 35,546 36,546 36,546 36,546
2007 107,672 107,814 140,192 135,066
2008 50,907 82,578 70,876
2009 313,478 320,311
2010 275,794
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
4th Prior 1.449 0.956 1.047 1.021 0.998 1.010 1.000 1.000 1.000
3rd Prior 0.940 0.989 1.034 1.000 1.000 1.001 1.000 1.000 1.000
2nd Prior 1.001 1.028 1.000 0.996 1.000 1.000 1.000 1.000 1.000
1st Prior 1.622 1.300 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Latest 1.022 0.858 0.963 1.000 1.000 1.000 1.000 1.000 1.000
5 Year Excluding High/Low Outliers: 1.157 0.991 1.011 1.000 1.000 1.000 1.000 1.000 1.000
Selected: 1.157 0.991 1.011 1.000 1.000 1.000 1.000 1.000 1.000
Selected Methodology
Link Ratio Method
Loss Development Period ( months ): 15 - 123 27 - 123 39 - 123 51 - 123 63 - 123
Loss Development Factor: 1.159 1.002 1.011 1.000 1.000
†Includes ALAE
‡Includes supplemental reserves in addition to case reserves
Allstate Indemnity Company
Year Inc. Loss Factor to Ultimate
Ultimate Loss &
ALAE
2008 $70,876 1.011 71,656
2009 $320,311 1.002 320,952
2010 $275,794 1.159 319,645
Allstate Indemnity Company
Private Passenger Auto
Delaware
Calculation of Loss Development Factors
Bodily Injury
Incurred Losses †
Link Ratios

Fiscal Accident
Attachment III
Exhibit 4.2
Year Ending 12/31 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months‡
1997 1,065,985 1,065,985
1998 1,054,269 1,054,269 1,054,269
1999 1,105,860 1,105,860 1,105,860 1,105,860
2000 946,197 946,197 946,197 946,197 946,197
2001 481,915 481,915 481,915 481,915 481,915 481,915
2002 434,220 434,220 434,220 434,220 434,220 434,220
2003 218,712 218,712 218,712 218,712 218,712 218,712
2004 109,195 110,146 110,146 110,146 110,146 110,146
2005 131,342 141,531 141,531 141,531 141,531 141,531
2006 54,791 54,791 54,791 54,791 54,791
2007 118,460 121,942 122,564 122,564
2008 95,450 92,243 92,243
2009 195,427 255,675
2010 308,194
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
4th Prior 1.078 1.009 1.000 1.000 1.000 1.000 1.000 1.000 1.000
3rd Prior 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
2nd Prior 1.029 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
1st Prior 0.966 1.005 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Latest 1.308 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
5 Year Excluding High/Low Outliers: 1.036 1.002 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Selected: 1.036 1.002 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Selected Methodology
Link Ratio Method
Loss Development Period ( months ): 15 - 123 27 - 123 39 - 123 51 - 123 63 - 123
Loss Development Factor: 1.038 1.002 1.000 1.000 1.000
†Includes ALAE
‡Includes supplemental reserves in addition to case reserves
Allstate Indemnity Company
Year Inc. Loss Factor to Ultimate
Ultimate Loss &
ALAE
2008 $92,243 1.000 92,243
2009 $255,675 1.002 256,186
2010 $308,194 1.038 319,905
Allstate Indemnity Company
Private Passenger Auto
Delaware
Calculation of Loss Development Factors
Property Damage
Incurred Losses †
Link Ratios

Fiscal Accident
Attachment III
Exhibit 4.3
Year Ending 12/31 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months‡
1997 1,579,427 1,579,427
1998 1,880,046 1,880,046 1,885,116
1999 1,584,688 1,584,688 1,584,688 1,584,688
2000 1,047,101 1,047,101 1,047,101 1,047,620 1,047,620
2001 663,100 666,246 666,599 666,599 666,599 666,599
2002 371,559 371,916 371,916 371,916 371,916 371,916
2003 229,139 206,446 180,458 180,458 180,458 173,337
2004 211,414 208,559 201,059 201,059 201,059 201,059
2005 103,898 108,220 78,213 66,426 66,426 66,426
2006 42,618 40,065 38,532 19,625 20,983
2007 123,916 115,617 79,861 83,102
2008 41,721 17,732 16,303
2009 343,495 310,010
2010 374,175
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
4th Prior 1.042 0.986 0.901 1.001 1.005 1.000 1.000 1.000 1.000
3rd Prior 0.940 0.723 0.964 0.874 1.000 1.001 1.000 1.000 1.003
2nd Prior 0.933 0.962 0.849 1.000 1.000 1.000 1.000 1.000 1.000
1st Prior 0.425 0.691 0.509 1.000 1.000 1.000 1.000 1.000 1.000
Latest 0.903 0.919 1.041 1.069 1.000 1.000 0.961 1.000 1.000
5 Year Excluding High/Low Outliers: 0.925 0.868 0.905 1.000 1.000 1.000 1.000 1.000 1.000
Selected: 0.925 0.868 0.905 1.000 1.000 1.000 1.000 1.000 1.000
Selected Methodology
Link Ratio Method
Loss Development Period ( months ): 15 - 123 27 - 123 39 - 123 51 - 123 63 - 123
Loss Development Factor: 0.727 0.786 0.905 1.000 1.000
†Includes ALAE
‡Includes supplemental reserves in addition to case reserves
Allstate Indemnity Company
Year Inc. Loss Factor to Ultimate
Ultimate Loss &
ALAE
2008 $16,303 0.905 14,754
2009 $310,010 0.786 243,668
2010 $374,175 0.727 272,025
Allstate Indemnity Company
Private Passenger Auto
Delaware
Calculation of Loss Development Factors
Personal Injury Protection
Incurred Losses †
Link Ratios

Fiscal Accident
Attachment III
Exhibit 4.4
Year Ending 12/31 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months‡
1997 443,461 443,461
1998 350,401 350,401 350,401
1999 406,732 406,732 406,732 406,732
2000 219,959 219,959 219,959 219,959 219,959
2001 159,014 159,014 160,095 160,095 160,095 160,095
2002 90,446 93,081 93,081 93,081 93,081 93,081
2003 26,044 26,044 26,044 26,044 26,044 26,044
2004 12,421 22,421 22,421 19,386 19,386 19,386
2005 5,930 5,734 5,734 5,734 5,734 5,734
2006 32,688 11,188 11,188 11,188 11,188
2007 7,632 7,632 7,632 7,632
2008 2,196 1,946 1,946
2009 28,052 31,466
2010 20,895
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
4th Prior 0.967 1.805 1.000 1.029 1.000 1.000 1.000 1.000 1.000
3rd Prior 0.342 1.000 1.000 1.000 1.000 1.007 1.000 1.000 1.000
2nd Prior 1.000 1.000 1.000 0.865 1.000 1.000 1.000 1.000 1.000
1st Prior 0.886 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Latest 1.122 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
5 Year Excluding High/Low Outliers: 0.951 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Selected: 0.951 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Selected Methodology
Link Ratio Method
Loss Development Period ( months ): 15 - 123 27 - 123 39 - 123 51 - 123 63 - 123
Loss Development Factor: 0.951 1.000 1.000 1.000 1.000
†Includes ALAE
‡Includes supplemental reserves in addition to case reserves
Allstate Indemnity Company
Year Inc. Loss Factor to Ultimate
Ultimate Loss &
ALAE
2008 $1,946 1.000 1,946
2009 $31,466 1.000 31,466
2010 $20,895 0.951 19,871
Allstate Indemnity Company
Private Passenger Auto
Delaware
Calculation of Loss Development Factors
Uninsured / Underinsured Motorist
Incurred Losses †
Link Ratios

Fiscal Accident
Attachment III
Exhibit 4.5
Year Ending 12/31 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1997 1,071,407 1,071,407
1998 1,136,501 1,136,501 1,136,501
1999 1,169,574 1,169,819 1,170,139 1,168,952
2000 903,094 902,729 902,794 902,239 901,699
2001 668,675 668,675 668,675 668,675 668,675 668,675
2002 527,108 527,108 527,108 527,108 527,108 527,108
2003 341,608 341,608 341,608 341,608 341,608 341,608
2004 191,029 191,104 189,656 189,656 189,656 189,656
2005 136,519 118,709 118,709 118,709 118,709 118,709
2006 86,375 86,375 86,378 86,378 86,378
2007 76,177 75,576 75,576 75,576
2008 60,637 55,973 56,622
2009 133,785 135,930
2010 190,719
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
4th Prior 0.870 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
3rd Prior 1.000 1.000 0.992 1.000 1.000 1.000 1.000 1.000 1.000
2nd Prior 0.992 1.000 1.000 1.000 1.000 1.000 1.000 0.999 0.999
1st Prior 0.923 1.000 1.000 1.000 1.000 1.000 1.000 1.000 0.999
Latest 1.016 1.012 1.000 1.000 1.000 1.000 1.000 1.000 1.000
5 Year Excluding High/Low Outliers: 0.972 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Selected: 0.972 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Selected Methodology
Loss Development Period ( months ): 15 - 123 27 - 123 39 - 123 51 - 123 63 - 123
Loss Development Factor: 0.972 1.000 1.000 1.000 1.000
†Includes ALAE
Link Ratio Method
Allstate Indemnity Company
Year Paid Loss Factor to Ultimate
Ultimate Loss &
ALAE
2008 $56,622 1.000 56,622
2009 $135,930 1.000 135,930
2010 $190,719 0.972 185,379
Allstate Indemnity Company
Private Passenger Auto
Delaware
Calculation of Loss Development Factors
Collision
Paid Losses †
Link Ratios

Fiscal Accident
Attachment III
Exhibit 4.6
Year Ending 12/31 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1997 444,619 444,619
1998 399,958 399,958 399,958
1999 458,062 458,062 458,062 452,665
2000 256,571 256,571 253,121 253,121 253,121
2001 204,388 204,388 204,388 204,388 204,388 204,388
2002 140,656 140,656 140,656 140,656 140,656 140,656
2003 74,128 74,128 74,128 74,128 74,128 74,128
2004 34,578 34,578 34,578 34,578 34,578 34,578
2005 26,272 26,269 26,269 26,269 26,269 26,269
2006 27,635 28,617 28,617 28,617 28,617
2007 23,686 23,686 23,686 23,686
2008 13,368 13,293 13,293
2009 29,730 29,730
2010 15,947
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
4th Prior 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
3rd Prior 1.036 1.000 1.000 1.000 1.000 1.000 0.987 1.000 1.000
2nd Prior 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 0.988
1st Prior 0.994 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Latest 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
5 Year Excluding High/Low Outliers: 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Selected: 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Selected Methodology
Loss Development Period ( months ): 15 - 123 27 - 123 39 - 123 51 - 123 63 - 123
Loss Development Factor: 1.000 1.000 1.000 1.000 1.000
†Includes ALAE
Link Ratio Method
Allstate Indemnity Company
Year Paid Loss Factor to Ultimate
Ultimate Loss &
ALAE
2008 $13,293 1.000 13,293
2009 $29,730 1.000 29,730
2010 $15,947 1.000 15,947
Allstate Indemnity Company
Private Passenger Auto
Delaware
Calculation of Loss Development Factors
Comprehensive
Paid Losses †
Link Ratios

Allstate Indemnity Company
Delaware
Private Passenger Auto
Ultimate Losses & ALAE
Attachment III
Exhibit 5
Ultimate Losses & ALAE
Link Ratio Additive
Coverage Year Estimate Estimate Selected
Bodily Injury 2008 71,656 71,828
Bodily Injury 2009 320,952 319,829
Bodily Injury 2010 319,645 293,346
Property Damage 2008 92,243 92,243
Property Damage 2009 256,186 256,022
Property Damage 2010 319,905 319,344
Personal Injury Protection 2008 14,754 10,011
Personal Injury Protection 2009 243,668 286,937
Personal Injury Protection 2010 272,025 317,931
Uninsured / Underinsured Motorist 2008 1,946 1,946
Uninsured / Underinsured Motorist 2009 31,466 31,466
Uninsured / Underinsured Motorist 2010 19,871 20,712
Collision 2008 56,622 56,608
Collision 2009 135,930 135,930
Collision 2010 185,379 188,439
Comprehensive 2008 13,293 13,293
Comprehensive 2009 29,730 29,730
Comprehensive 2010 15,947 15,947
71,700
320,000
305,000
92,243
256,100
319,600
12,000
265,000
295,000
1,946
31,466
20,300
56,615
135,930
187,000
13,293
29,730
15,947

ALLSTATE INSURANCE GROUP*
Countrywide Expense Experience - Unallocated (Adjusting and Other Expense) Factor
2007, 2008 & 2009
Attachment III
Exhibit 6
2007 - 2009**
1. Direct Losses and Allocated Loss Adjustment
Expense Incurred excluding Earthquake and $39,781,693
Hurricane Losses
2. Direct Unallocated Loss Adjustment Expense
Incurred excluding Earthquake and Hurricane $6,347,066
3. Ratio (2)/(1) 0.160
4. Proposed Provision 0.160
* Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate County
Mutual Insurance Company, Allstate Fire & Casualty Insurance Company, Northbrook Indemnity Company and Allstate Texas Lloyds.
** Includes Personal Property Lines and Private Passenger Automobile Insurance
(000 Omitted)

Coverage
Bodily Injury
Property Damage
Personal Injury Protection
Uninsured / Underinsured Motorist
Collision
Comprehensive
2nd Prior Year 1st Prior Year Current Year
1) Loss Trend Projection Date 10/21/2012 10/21/2012 10/21/2012
2) Mid-Point of Current Year's Experience Period 6/30/2010 6/30/2010 6/30/2010
3) Experience Period Ended 12/31/2008 12/31/2009 12/31/2010
4) Midpoint of Experience Period 6/30/2008 6/30/2009 6/30/2010
5) Historical: Number of Years from (4) to (2) 2.000 1.000 0.000
6) Projected: Number of Years from (2) to (1) 2.310 2.310 2.310
Calculation of Trend Factors
Allstate Indemnity Company
Private Passenger Auto
Delaware
Calculation of Pure Premium Trend Factor
Selected Annual Pure Premium Impacts
Historical Projected
18.00% 18.00%
14.00 14.00
25.00 10.00
5.00 5.00
10.00 10.00
0.00 0.00
(a) Historical Pure Premium Factors are the Annual Historical Impacts plus unity compounded for the number of years in (5)
(b) Projected Pure Premium Factors are the Annual Projected Impacts plus unity compounded for the number of years in (6)
(c) Factor to Adjust Losses for Pure Premium Trend = (a) x (b)
Attachment III
Exhibit 7

Allstate Indemnity Company
Private Passenger Auto
Delaware
Loss Trends - Pure Premium
Bodily Injury
Exponential Curve of Best Fit
Attachment III
Exhibit 8.1
Year Ending
Actual Paid Pure
Premium Annual Change 24 pt. 12 pt. 6 pt.
06/05 $214.22 -11.34 % $164.55
09/05 177.81 -22.16 165.42
12/05 175.03 -25.74 166.29
03/06 170.53 -23.58 167.16
06/06 169.77 -20.75 168.04
09/06 208.77 17.41 168.92
12/06 173.11 -1.10 169.81
03/07 205.66 20.60 170.70
06/07 161.89 -4.64 171.60
09/07 145.35 -30.38 172.50
12/07 165.68 -4.29 173.41
03/08 178.20 -13.35 174.32
06/08 173.46 7.15 175.24 $115.19
09/08 153.57 5.66 176.16 123.88
12/08 123.26 -25.60 177.09 133.22
03/09 88.55 -50.31 178.02 143.27
06/09 110.50 -36.30 178.95 154.07
09/09 170.92 11.30 179.89 165.69
12/09 154.78 25.57 180.84 178.19 $171.28
03/10 199.96 † 125.82 181.79 191.63 190.11
06/10 248.17 † 124.59 182.75 206.08 211.00
09/10 223.37 † 30.69 183.71 221.63 234.18
12/10 238.08 † 53.82 184.67 238.34 259.92
03/11 295.36 † 47.71 185.64 256.32 288.48
Regression 24 pt. 12 pt.
Avg Annual Percent Change Based on Best Fit: 2.12%
33.76%
†Adjusted Values
6 pt.
51.75%

Allstate Indemnity Company
Private Passenger Auto
Delaware
Loss Trends - Pure Premium
Property Damage
Exponential Curve of Best Fit
Attachment III
Exhibit 8.2
Year Ending
Actual Paid Pure
Premium Annual Change 24 pt. 12 pt. 6 pt.
06/05 $133.38 1.83 % $102.40
09/05 143.84 6.79 107.05
12/05 168.49 31.81 111.91
03/06 168.01 45.17 116.99
06/06 148.57 11.39 122.30
09/06 118.88 -17.35 127.86
12/06 86.37 -48.74 133.66
03/07 79.03 -52.96 139.73
06/07 68.61 -53.82 146.07
09/07 74.10 -37.67 152.71
12/07 115.97 34.27 159.64
03/08 192.90 144.08 166.89
06/08 227.53 231.63 174.46 $216.37
09/08 300.30 305.26 182.38 221.53
12/08 249.19 114.87 190.66 226.81
03/09 188.01 -2.53 199.32 232.21
06/09 225.37 -0.95 208.37 237.75
09/09 201.94 -32.75 217.83 243.41
12/09 206.70 -17.05 227.72 249.21 $208.11
03/10 249.82 † 32.88 238.05 255.15 229.04
06/10 237.57 † 5.41 248.86 261.23 252.07
09/10 259.11 † 28.31 260.16 267.45 277.43
12/10 305.63 † 47.86 271.97 273.83 305.33
03/11 352.04 † 40.92 284.32 280.35 336.04
Regression 24 pt. 12 pt.
Avg Annual Percent Change Based on Best Fit: 19.43%
9.88%
†Adjusted Values
6 pt.
46.72%

Allstate Indemnity Company
Private Passenger Auto
Delaware
Loss Trends - Pure Premium
Personal Injury Protection
Exponential Curve of Best Fit
Attachment III
Exhibit 8.3
Year Ending
Actual Paid Pure
Premium Annual Change 24 pt. 12 pt. 6 pt.
06/05 $170.55 23.46 % $10.07
09/05 177.86 39.65 11.36
12/05 196.43 95.41 12.81
03/06 100.68 -40.31 14.44
06/06 88.44 -48.14 16.28
09/06 78.51 -55.86 18.36
12/06 81.29 -58.62 20.71
03/07 45.38 -54.93 23.35
06/07 -5.08 -105.74 26.33
09/07 -15.18 -119.34 29.69
12/07 14.63 -82.00 33.47
03/08 68.01 49.87 37.75
06/08 89.71 -1,865.94 42.56 $93.27
09/08 102.40 -774.57 47.99 105.94
12/08 130.18 789.82 54.12 120.32
03/09 102.44 50.62 61.02 136.66
06/09 177.18 97.50 68.81 155.21
09/09 179.98 75.76 77.59 176.28
12/09 150.84 15.87 87.49 200.22 $235.66
03/10 349.58 † 241.25 98.65 227.40 252.93
06/10 330.26 † 86.40 111.24 258.27 271.47
09/10 354.38 † 96.90 125.44 293.34 291.36
12/10 299.46 † 98.53 141.44 333.17 312.72
03/11 267.75 † -23.41 159.49 378.40 335.63
Regression 24 pt. 12 pt.
Avg Annual Percent Change Based on Best Fit: 61.67%
66.40%
†Adjusted Values
6 pt.
32.70%

Allstate Indemnity Company
Private Passenger Auto
Delaware
Loss Trends - Pure Premium
Uninsured / Underinsured Motorist
Exponential Curve of Best Fit
Attachment III
Exhibit 8.4
Year Ending
Actual Paid Pure
Premium Annual Change 24 pt. 12 pt. 6 pt.
06/05 $6.69 -85.52 % $11.35
09/05 9.70 -78.53 11.51
12/05 12.44 -32.17 11.67
03/06 21.76 818.14 11.82
06/06 19.48 191.18 11.98
09/06 18.01 85.67 12.15
12/06 12.78 2.73 12.31
03/07 4.75 -78.17 12.48
06/07 7.17 -63.19 12.65
09/07 6.01 -66.63 12.82
12/07 22.62 77.00 13.00
03/08 23.03 384.84 13.17
06/08 24.20 237.52 13.35 $16.28
09/08 26.56 341.93 13.54 15.98
12/08 11.54 -48.98 13.72 15.70
03/09 9.47 -58.88 13.91 15.42
06/09 13.39 -44.67 14.10 15.14
09/09 16.59 -37.54 14.29 14.87
12/09 10.52 -8.84 14.48 14.60 $10.30
03/10 12.76 34.74 14.68 14.34 11.56
06/10 11.97 -10.60 14.88 14.08 12.97
09/10 12.50 -24.65 15.08 13.83 14.55
12/10 17.03 61.88 15.29 13.58 16.32
03/11 19.62 53.76 15.50 13.34 18.31
Regression 24 pt. 12 pt.
Avg Annual Percent Change Based on Best Fit: 5.56%
-6.98%
6 pt.
58.42%

Allstate Indemnity Company
Private Passenger Auto
Delaware
Loss Trends - Pure Premium
Collision
Exponential Curve of Best Fit
Attachment III
Exhibit 8.5
Year Ending
Actual Paid Pure
Premium Annual Change 24 pt. 12 pt. 6 pt.
06/05 $296.97 -1.42 % $203.63
09/05 304.77 26.74 209.33
12/05 259.74 -14.02 215.20
03/06 256.89 -13.60 221.24
06/06 300.85 1.31 227.44
09/06 249.26 -18.21 233.81
12/06 218.71 -15.80 240.37
03/07 166.92 -35.02 247.11
06/07 134.56 -55.27 254.04
09/07 143.89 -42.27 261.16
12/07 173.16 -20.83 268.48
03/08 251.61 50.74 276.00
06/08 298.97 122.18 283.74 $278.40
09/08 319.26 121.88 291.70 290.77
12/08 282.75 63.29 299.87 303.68
03/09 318.17 26.45 308.28 317.17
06/09 316.91 6.00 316.92 331.25
09/09 296.98 -6.98 325.81 345.96
12/09 387.27 36.97 334.94 361.33 $360.85
03/10 344.36 † 8.23 344.33 377.38 379.61
06/10 374.53 † 18.18 353.98 394.14 399.34
09/10 480.17 † 61.68 363.91 411.64 420.10
12/10 425.32 † 9.83 374.11 429.92 441.95
03/11 462.90 † 34.42 384.60 449.01 464.92
Regression 24 pt. 12 pt.
Avg Annual Percent Change Based on Best Fit: 11.69%
18.98%
†Adjusted Values
6 pt.
22.47%

Allstate Indemnity Company
Private Passenger Auto
Delaware
Loss Trends - Pure Premium
Comprehensive
Exponential Curve of Best Fit
Attachment III
Exhibit 8.6
Year Ending
Actual Paid Pure
Premium Annual Change 24 pt. 12 pt. 6 pt.
06/05 $44.93 -45.05 % $66.74
09/05 70.03 0.70 65.73
12/05 62.14 44.65 64.74
03/06 50.65 3.16 63.76
06/06 77.21 71.85 62.80
09/06 56.81 -18.88 61.85
12/06 63.59 2.33 60.91
03/07 63.19 24.76 59.99
06/07 41.63 -46.08 59.08
09/07 45.02 -20.75 58.19
12/07 62.98 -0.96 57.31
03/08 79.65 26.05 56.44
06/08 72.67 74.56 55.59 $84.37
09/08 79.43 76.43 54.75 77.67
12/08 51.60 -18.07 53.92 71.51
03/09 45.51 -42.86 53.11 65.83
06/09 62.69 -13.73 52.30 60.61
09/09 55.74 -29.83 51.51 55.80
12/09 119.37 131.34 50.73 51.37 $121.50
03/10 83.53 † 83.54 49.97 47.30 83.56
06/10 65.15 † 3.92 49.21 43.54 57.47
09/10 82.61 † 48.21 48.47 40.09 39.52
12/10 4.67 † -96.09 47.73 36.91 27.18
03/11 46.74 -44.04 47.01 33.98 18.69
Regression 24 pt. 12 pt.
Avg Annual Percent Change Based on Best Fit: -5.91%
-28.16%
†Adjusted Values
6 pt.
-77.63%

Allstate Indemnity
Year Ending
Allstate Indemnity Company
Private Passenger Auto
Delaware
Loss Trends - Frequency
Bodily Injury
Attachment III
Exhibit 8.7
Exponential Curve of Best Fit
Actual Paid
Frequency Annual Change 24 pt. 12 pt. 6 pt.
06/05 2.4796 % 19.33 % 2.1017 %
09/05 2.8064 49.50 2.1419
12/05 2.4981 3.82 2.1830
03/06 2.3083 -8.60 2.2248
06/06 2.5170 1.51 2.2675
09/06 2.3628 -15.81 2.3109
12/06 1.7890 -28.39 2.3552
03/07 1.8299 -20.73 2.4003
06/07 1.8535 -26.36 2.4463
09/07 1.7396 -26.38 2.4932
12/07 3.0824 72.30 2.5410
03/08 3.7619 105.58 2.5897
06/08 3.1045 67.49 2.6393 2.2556 %
09/08 2.9002 66.72 2.6899 2.3613
12/08 1.9329 -37.29 2.7415 2.4719
03/09 1.7702 -52.94 2.7940 2.5877
06/09 2.7104 -12.69 2.8476 2.7089
09/09 2.7281 -5.93 2.9021 2.8358
12/09 2.6247 35.79 2.9578 2.9687 2.8544 %
03/10 3.2265 † 82.27 3.0144 3.1077 3.0636
06/10 3.3972 † 25.34 3.0722 3.2533 3.2882
09/10 3.7416 † 37.15 3.1311 3.4057 3.5292
12/10 3.7783 † 43.95 3.1911 3.5652 3.7879
03/11 3.8424 † 19.09 3.2523 3.7323 4.0655
Regression 24 pt. 12 pt. 6 pt.
Avg Annual Percent Change Based on Best Fit: 7.89%
20.10% 32.70%
†Adjusted Values

Allstate Indemnity
Year Ending
Allstate Indemnity Company
Private Passenger Auto
Delaware
Loss Trends - Frequency
Property Damage
Exponential Curve of Best Fit
Actual Paid
Frequency Annual Change 24 pt. 12 pt.
Attachment III
Exhibit 8.8
06/05 5.0705 % 9.42 % 4.6291 %
09/05 5.3246 19.14 4.7643
12/05 5.7838 15.35 4.9035
03/06 5.7715 26.91 5.0468
06/06 5.9127 16.61 5.1942
09/06 5.4213 1.82 5.3460
12/06 4.4941 -22.30 5.5021
03/07 4.7140 -18.32 5.6629
06/07 4.0487 -31.53 5.8283
09/07 3.5753 -34.05 5.9986
12/07 6.1203 36.19 6.1739
03/08 7.4449 57.93 6.3542
06/08 8.4640 109.05 6.5399 7.1490 %
09/08 9.7863 173.72 6.7309 7.2918
12/08 6.5080 6.33 6.9276 7.4373
03/09 5.9757 -19.73 7.1300 7.5858
06/09 6.9967 -17.34 7.3383 7.7372
09/09 6.9875 -28.60 7.5526 7.8917
12/09 7.4950 15.17 7.7733 8.0492 7.5692 %
03/10 8.4843 † 41.98 8.0004 8.2099 7.9821
06/10 8.1498 † 16.48 8.2341 8.3738 8.4175
09/10 8.3490 † 19.48 8.4747 8.5410 8.8767
12/10 9.5954 † 28.02 8.7223 8.7115 9.3609
03/11 10.0478 † 18.43 8.9771 8.8854 9.8715
Regression 24 pt. 12 pt. 6 pt.
Avg Annual Percent Change Based on Best Fit: 12.21%
8.23% 23.67%
†Adjusted Values
6 pt.

Allstate Indemnity
Year Ending
Allstate Indemnity Company
Private Passenger Auto
Delaware
Loss Trends - Frequency
Personal Injury Protection
Exponential Curve of Best Fit
Actual Paid
Frequency Annual Change 24 pt. 12 pt.
Attachment III
Exhibit 8.9
06/05 .9169 % -59.62 % 1.0323 %
09/05 1.5625 -13.29 1.0881
12/05 2.2391 76.11 1.1469
03/06 2.6257 374.64 1.2090
06/06 2.6666 190.83 1.2743
09/06 1.7378 11.22 1.3432
12/06 1.0769 -51.90 1.4159
03/07 .9296 -64.60 1.4925
06/07 .4222 -84.17 1.5732
09/07 .7138 -58.93 1.6582
12/07 1.2718 18.10 1.7479
03/08 1.5471 66.43 1.8424
06/08 1.9279 356.63 1.9421 1.5506 %
09/08 2.2033 208.67 2.0471 1.7213
12/08 1.9083 50.05 2.1578 1.9107
03/09 1.7703 14.43 2.2745 2.1210
06/09 1.5052 -21.93 2.3975 2.3545
09/09 2.2583 2.50 2.5271 2.6136
12/09 2.2620 18.53 2.6638 2.9013 2.9796 %
03/10 3.7303 † 110.72 2.8079 3.2206 3.3410
06/10 5.0157 † 233.22 2.9597 3.5751 3.7462
09/10 4.2844 † 89.72 3.1198 3.9686 4.2006
12/10 4.8146 † 112.85 3.2885 4.4053 4.7101
03/11 4.4639 † 19.67 3.4663 4.8902 5.2814
Regression 24 pt. 12 pt. 6 pt.
Avg Annual Percent Change Based on Best Fit: 23.45%
51.84% 58.08%
†Adjusted Values
6 pt.

Allstate Indemnity
Year Ending
Allstate Indemnity Company
Private Passenger Auto
Delaware
Loss Trends - Frequency
Uninsured / Underinsured Motorist
Exponential Curve of Best Fit
Actual Paid
Frequency Annual Change 24 pt. 12 pt.
Attachment III
Exhibit 8.10
06/05 1.1626 % -44.47 % 1.1593 %
09/05 1.2423 -34.48 1.1744
12/05 1.4704 12.86 1.1897
03/06 1.3473 15.62 1.2052
06/06 1.1250 -3.23 1.2209
09/06 1.1621 -6.46 1.2368
12/06 .8126 -44.74 1.2529
03/07 1.0471 -22.28 1.2692
06/07 1.7834 58.52 1.2858
09/07 1.5776 35.75 1.3025
12/07 1.9944 145.43 1.3195
03/08 1.5316 46.27 1.3367
06/08 .7582 -57.49 1.3541 1.0269 %
09/08 1.0360 -34.33 1.3717 1.0827
12/08 1.4099 -29.31 1.3896 1.1415
03/09 1.3356 -12.80 1.4077 1.2036
06/09 1.6558 118.39 1.4260 1.2689
09/09 1.8005 73.79 1.4446 1.3379
12/09 1.0506 -25.48 1.4634 1.4106 1.0766 %
03/10 1.3295 -0.46 1.4824 1.4872 1.2206
06/10 1.2369 -25.30 1.5018 1.5680 1.3840
09/10 1.6484 -8.45 1.5213 1.6532 1.5692
12/10 1.8133 72.60 1.5411 1.7430 1.7792
03/11 1.9836 49.20 1.5612 1.8377 2.0173
Regression 24 pt. 12 pt. 6 pt.
Avg Annual Percent Change Based on Best Fit: 5.31%
23.57% 65.27%
6 pt.

Allstate Indemnity
Year Ending
Allstate Indemnity Company
Private Passenger Auto
Delaware
Loss Trends - Frequency
Collision
Attachment III
Exhibit 8.11
Exponential Curve of Best Fit
Actual Paid
Frequency Annual Change 24 pt. 12 pt. 6 pt.
06/05 8.6716 % -7.49 % 6.6165 %
09/05 9.7882 16.47 6.7810
12/05 10.2977 19.18 6.9496
03/06 9.0678 3.83 7.1223
06/06 10.1421 16.96 7.2994
09/06 7.6143 -22.21 7.4808
12/06 5.5369 -46.23 7.6668
03/07 4.5330 -50.01 7.8574
06/07 4.5218 -55.42 8.0527
09/07 4.4438 -41.64 8.2529
12/07 6.1060 10.28 8.4580
03/08 7.1725 58.23 8.6683
06/08 8.5182 88.38 8.8838 9.2277 %
09/08 10.3504 132.92 9.1046 9.5308
12/08 10.1973 67.00 9.3309 9.8438
03/09 10.8798 51.69 9.5629 10.1671
06/09 11.4518 34.44 9.8006 10.5011
09/09 10.4442 0.91 10.0442 10.8460
12/09 10.1749 -0.22 10.2939 11.2022 9.7405 %
03/10 10.4198 † -4.23 10.5498 11.5701 10.5301
06/10 10.1526 † -11.34 10.8121 11.9501 11.3837
09/10 13.2365 † 26.74 11.0809 12.3426 12.3066
12/10 13.5954 † 33.62 11.3563 12.7480 13.3042
03/11 14.1950 † 36.23 11.6386 13.1667 14.3827
Regression 24 pt. 12 pt. 6 pt.
Avg Annual Percent Change Based on Best Fit: 10.32%
13.80% 36.59%
†Adjusted Values

Allstate Indemnity
Year Ending
Allstate Indemnity Company
Private Passenger Auto
Delaware
Loss Trends - Frequency
Comprehensive
Exponential Curve of Best Fit
Attachment III
Exhibit 8.12
06/05 5.5847 % -9.20 % 4.7932 %
09/05 6.3353 15.68 4.8554
12/05 5.6278 -1.31 4.9185
03/06 4.6888 -22.04 4.9824
06/06 5.8606 4.94 5.0471
09/06 4.9711 -21.53 5.1126
12/06 4.4291 -21.30 5.1790
03/07 3.7024 -21.04 5.2462
06/07 3.6462 -37.78 5.3144
09/07 3.6554 -26.47 5.3834
12/07 3.5305 -20.29 5.4533
03/08 6.2095 67.72 5.5241
06/08 6.0671 66.40 5.5958 7.3238 %
09/08 7.5270 105.91 5.6685 7.1695
12/08 8.9062 152.26 5.7421 7.0184
03/09 6.8608 10.49 5.8167 6.8706
06/09 7.9365 30.81 5.8922 6.7258
09/09 6.7839 -9.87 5.9687 6.5841
12/09 5.5617 -37.55 6.0462 6.4454 5.2050 %
03/10 5.5446 † -19.18 6.1248 6.3096 5.4429
06/10 4.8181 † -39.29 6.2043 6.1767 5.6918
09/10 6.3526 † -6.36 6.2849 6.0466 5.9520
12/10 6.0051 † 7.97 6.3665 5.9192 6.2241
03/11 6.8596 23.72 6.4492 5.7945 6.5086
Avg Annual Percent Change Based on Best Fit:
†Adjusted Values
Actual Paid
Frequency Annual Change 24 pt. 12 pt.
Regression 24 pt. 12 pt. 6 pt.
5.30%
-8.16%
6 pt.
19.58%

Allstate Indemnity
Allstate Indemnity Company
Private Passenger Auto
Delaware
Loss Trends - Severity
Bodily Injury
Exponential Curve of Best Fit
Attachment III
Exhibit 8.13
Year Ending
Actual Paid
Severity Annual Change 24 pt. 12 pt. 6 pt.
06/05 $8,639.00 -25.71 % $7,830.00
09/05 6,336.00 -47.93 7,723.00
12/05 7,007.00 -28.46 7,617.00
03/06 7,388.00 -16.39 7,513.00
06/06 6,745.00 -21.92 7,411.00
09/06 8,836.00 39.46 7,310.00
12/06 9,676.00 38.09 7,210.00
03/07 11,239.00 52.13 7,112.00
06/07 8,734.00 29.49 7,015.00
09/07 8,355.00 -5.44 6,919.00
12/07 5,375.00 -44.45 6,824.00
03/08 4,737.00 -57.85 6,731.00
06/08 5,587.00 -36.03 6,639.00 $5,107.00
09/08 5,295.00 -36.62 6,549.00 5,246.00
12/08 6,377.00 18.64 6,459.00 5,389.00
03/09 5,002.00 5.59 6,371.00 5,536.00
06/09 4,077.00 -27.03 6,284.00 5,688.00
09/09 6,265.00 18.32 6,199.00 5,843.00
12/09 5,897.00 -7.53 6,114.00 6,002.00 $6,001.00
03/10 6,197.00 † 23.89 6,030.00 6,166.00 6,205.00
06/10 7,305.00 † 79.18 5,948.00 6,335.00 6,417.00
09/10 5,970.00 † -4.71 5,867.00 6,507.00 6,636.00
12/10 6,301.00 † 6.85 5,787.00 6,685.00 6,862.00
03/11 7,687.00 † 24.04 5,708.00 6,868.00 7,096.00
Regression 24 pt. 12 pt.
Avg Annual Percent Change Based on Best Fit: -5.35%
11.38%
†Adjusted Values
6 pt.
14.35%

Allstate Indemnity
Allstate Indemnity Company
Private Passenger Auto
Delaware
Loss Trends - Severity
Property Damage
Exponential Curve of Best Fit
Attachment III
Exhibit 8.14
Year Ending
Actual Paid
Severity Annual Change 24 pt. 12 pt. 6 pt.
06/05 $2,631.00 -6.93 % $2,212.00
09/05 2,701.00 -10.38 2,247.00
12/05 2,913.00 14.28 2,282.00
03/06 2,911.00 14.38 2,318.00
06/06 2,513.00 -4.48 2,355.00
09/06 2,193.00 -18.81 2,392.00
12/06 1,922.00 -34.02 2,429.00
03/07 1,676.00 -42.43 2,468.00
06/07 1,695.00 -32.55 2,506.00
09/07 2,073.00 -5.47 2,546.00
12/07 1,895.00 -1.40 2,586.00
03/08 2,591.00 54.59 2,626.00
06/08 2,688.00 58.58 2,668.00 $3,027.00
09/08 3,069.00 48.05 2,710.00 3,038.00
12/08 3,829.00 102.06 2,752.00 3,050.00
03/09 3,146.00 21.42 2,796.00 3,061.00
06/09 3,221.00 19.83 2,839.00 3,073.00
09/09 2,890.00 -5.83 2,884.00 3,084.00
12/09 2,758.00 -27.97 2,929.00 3,096.00 $2,750.00
03/10 2,945.00 † -6.39 2,976.00 3,108.00 2,870.00
06/10 2,915.00 † -9.50 3,022.00 3,120.00 2,995.00
09/10 3,103.00 † 7.37 3,070.00 3,131.00 3,125.00
12/10 3,185.00 † 15.48 3,118.00 3,143.00 3,262.00
03/11 3,504.00 † 18.98 3,167.00 3,155.00 3,404.00
Regression 24 pt. 12 pt.
Avg Annual Percent Change Based on Best Fit: 6.44%
1.52%
†Adjusted Values
6 pt.
18.63%

Allstate Indemnity
Allstate Indemnity Company
Private Passenger Auto
Delaware
Loss Trends - Severity
Personal Injury Protection
Exponential Curve of Best Fit
Attachment III
Exhibit 8.15
Year Ending
Actual Paid
Severity Annual Change 24 pt. 12 pt. 6 pt.
06/05 $18,600.00 205.72 % $462.00
09/05 11,383.00 61.05 507.00
12/05 8,773.00 10.95 558.00
03/06 3,834.00 -87.42 613.00
06/06 3,316.00 -82.17 674.00
09/06 4,518.00 -60.31 741.00
12/06 7,548.00 -13.96 815.00
03/07 4,882.00 27.33 896.00
06/07 -1,203.00 -136.28 985.00
09/07 -2,126.00 -147.06 1,083.00
12/07 1,151.00 -84.75 1,191.00
03/08 4,396.00 -9.95 1,310.00
06/08 4,653.00 -486.78 1,440.00 $6,015.00
09/08 4,647.00 -318.58 1,583.00 6,154.00
12/08 6,822.00 492.70 1,741.00 6,297.00
03/09 5,787.00 31.64 1,914.00 6,443.00
06/09 11,771.00 152.98 2,104.00 6,592.00
09/09 7,970.00 71.51 2,313.00 6,745.00
12/09 6,669.00 -2.24 2,543.00 6,901.00 $7,909.00
03/10 9,371.00 † 61.93 2,796.00 7,061.00 7,570.00
06/10 6,584.00 † -44.07 3,074.00 7,224.00 7,246.00
09/10 8,271.00 † 3.78 3,380.00 7,392.00 6,936.00
12/10 6,220.00 † -6.73 3,716.00 7,563.00 6,639.00
03/11 5,998.00 † -35.99 4,086.00 7,738.00 6,355.00
Regression 24 pt. 12 pt.
Avg Annual Percent Change Based on Best Fit: 46.12%
9.59%
†Adjusted Values
6 pt.
-16.06%

Allstate Indemnity
Allstate Indemnity Company
Private Passenger Auto
Delaware
Loss Trends - Severity
Uninsured / Underinsured Motorist
Exponential Curve of Best Fit
Attachment III
Exhibit 8.16
Year Ending
Actual Paid
Severity Annual Change 24 pt. 12 pt. 6 pt.
06/05 $575.00 -73.93 % $979.00
09/05 781.00 -67.23 980.00
12/05 846.00 -39.87 981.00
03/06 1,615.00 695.57 981.00
06/06 1,732.00 201.22 982.00
09/06 1,550.00 98.46 982.00
12/06 1,573.00 85.93 983.00
03/07 454.00 -71.89 983.00
06/07 402.00 -76.79 984.00
09/07 381.00 -75.42 984.00
12/07 1,134.00 -27.91 985.00
03/08 1,503.00 231.06 986.00
06/08 3,191.00 693.78 986.00 $1,585.00
09/08 2,563.00 572.70 987.00 1,476.00
12/08 818.00 -27.87 987.00 1,375.00
03/09 709.00 -52.83 988.00 1,281.00
06/09 809.00 -74.65 988.00 1,193.00
09/09 921.00 -64.07 989.00 1,111.00
12/09 1,002.00 22.49 990.00 1,035.00 $957.00
03/10 960.00 35.40 990.00 964.00 947.00
06/10 967.00 19.53 991.00 898.00 937.00
09/10 758.00 -17.70 991.00 836.00 927.00
12/10 939.00 -6.29 992.00 779.00 917.00
03/11 989.00 3.02 992.00 726.00 907.00
Regression 24 pt. 12 pt.
Avg Annual Percent Change Based on Best Fit: 0.23%
-24.72%
6 pt.
-4.20%

Allstate Indemnity
Allstate Indemnity Company
Private Passenger Auto
Delaware
Loss Trends - Severity
Collision
Exponential Curve of Best Fit
Attachment III
Exhibit 8.17
Year Ending
Actual Paid
Severity Annual Change 24 pt. 12 pt. 6 pt.
06/05 $3,425.00 6.57 % $3,078.00
09/05 3,114.00 8.84 3,087.00
12/05 2,522.00 -27.86 3,097.00
03/06 2,833.00 -16.77 3,106.00
06/06 2,966.00 -13.40 3,116.00
09/06 3,274.00 5.14 3,126.00
12/06 3,950.00 56.62 3,135.00
03/07 3,682.00 29.97 3,145.00
06/07 2,976.00 0.34 3,155.00
09/07 3,238.00 -1.10 3,164.00
12/07 2,836.00 -28.20 3,174.00
03/08 3,508.00 -4.73 3,184.00
06/08 3,510.00 17.94 3,194.00 $3,017.00
09/08 3,085.00 -4.73 3,204.00 3,051.00
12/08 2,773.00 -2.22 3,214.00 3,085.00
03/09 2,924.00 -16.65 3,224.00 3,120.00
06/09 2,767.00 -21.17 3,234.00 3,155.00
09/09 2,844.00 -7.81 3,244.00 3,190.00
12/09 3,806.00 37.25 3,254.00 3,226.00 $3,705.00
03/10 3,305.00 † 13.03 3,264.00 3,262.00 3,605.00
06/10 3,689.00 † 33.32 3,274.00 3,298.00 3,508.00
09/10 3,628.00 † 27.57 3,284.00 3,335.00 3,414.00
12/10 3,128.00 † -17.81 3,294.00 3,372.00 3,322.00
03/11 3,261.00 † -1.33 3,305.00 3,410.00 3,232.00
Regression 24 pt. 12 pt.
Avg Annual Percent Change Based on Best Fit: 1.24%
4.55%
†Adjusted Values
6 pt.
-10.33%

Allstate Indemnity
Allstate Indemnity Company
Private Passenger Auto
Delaware
Loss Trends - Severity
Comprehensive
Exponential Curve of Best Fit
Attachment III
Exhibit 8.18
Year Ending
Actual Paid
Severity Annual Change 24 pt. 12 pt. 6 pt.
06/05 $804.00 -39.50 % $1,392.00
09/05 1,105.00 -12.99 1,353.00
12/05 1,104.00 46.61 1,316.00
03/06 1,080.00 32.35 1,279.00
06/06 1,317.00 63.81 1,244.00
09/06 1,143.00 3.44 1,210.00
12/06 1,436.00 30.07 1,176.00
03/07 1,707.00 58.06 1,143.00
06/07 1,142.00 -13.29 1,112.00
09/07 1,232.00 7.79 1,081.00
12/07 1,784.00 24.23 1,051.00
03/08 1,283.00 -24.84 1,022.00
06/08 1,198.00 4.90 993.00 $1,152.00
09/08 1,055.00 -14.37 966.00 1,083.00
12/08 579.00 -67.54 939.00 1,019.00
03/09 663.00 -48.32 913.00 958.00
06/09 790.00 -34.06 888.00 901.00
09/09 822.00 -22.09 863.00 848.00
12/09 2,146.00 270.64 839.00 797.00 $2,334.00
03/10 1,507.00 127.30 816.00 750.00 1,535.00
06/10 1,352.00 † 71.14 793.00 705.00 1,010.00
09/10 1,300.00 † 58.15 771.00 663.00 664.00
12/10 78.00 † -96.37 750.00 624.00 437.00
03/11 681.00 -54.81 729.00 587.00 287.00
Regression 24 pt. 12 pt.
Avg Annual Percent Change Based on Best Fit: -10.63%
-21.75%
†Adjusted Values
6 pt.
-81.28%

Allstate Insurance Group
Private Passenger Auto
Delaware
Catastrophe Insurance Losses
Comprehensive
DE AIC+AI+AP&C
Incurred Losses
Calendar Year Total Incurred Losses Catastrophe Losses Excluding Catastrophes
1986 $917,225 $0 $917,225
1987 866,257 834 865,423
1988 856,731 4,851 851,880
1989 1,111,907 753 1,111,154
1990 937,870 5,068 932,802
1991 970,602 -2,894 973,496
1992 685,750 44,765 640,985
1993 1,036,718 -3,311 1,040,029
1994 1,067,749 58,619 1,009,130
1995 998,297 10,803 987,494
1996 1,470,360 9,465 1,460,895
1997 1,496,149 9,239 1,486,910
1998 1,259,919 21,183 1,238,736
1999 1,316,110 103,725 1,212,385
2000 1,117,052 2,132 1,114,920
2001 1,183,944 2,390 1,181,554
2002 1,125,716 10,559 1,115,157
2003 1,162,977 49,495 1,113,482
2004 1,032,746 -17,786 1,050,532
2005 738,133 4,817 733,316
2006 952,485 102,114 850,371
2007 863,076 -5,955 869,031
2008 1,012,531 132,329 880,202
2009 1,059,651 205,531 854,120
2010 853,409 -31,540 884,949
$717,186 $25,376,178
25 Year Aggregate Average
Selected Catastrophe Provision
Attachment III
Exhibit 9
Percentage Catastrophe
Losses
2.8 %
2.8 %

Allstate Indemnity Company
Private Passenger Auto
Delaware
Summary of Expense Provisions
Attachment III
Exhibit 10
Personal Injury Uninsured /
Percent Fixed Bodily Injury Property Damage Protection Underinsured Motorist
Commissions 0% 7.6 % 7.6 % 7.6 % 7.6 %
Taxes † 0 2.3 2.3 2.3 2.3
Licenses and Fees 100 0.1 0.1 0.1 0.1
Other Acquisition 100 4.7 4.7 4.7 4.7
General Expense 100 4.8 4.8 4.8 4.8
Debt Provision 0 1.3 1.3 1.3 1.3
Profit Provision 0 9.3 9.3 9.3 9.3
Percent Fixed Collision Comprehensive
Commissions 0% 7.6 % 7.6 %
Taxes † 0 2.2 2.2
Licenses and Fees 100 0.1 0.1
Other Acquisition 100 4.7 4.7
General Expense 100 4.8 4.8
Debt Provision 0 1.3 1.3
Profit Provision 0 10.4 10.4
† State Taxes - Does not include Federal Income Tax
Liability Expense Provision
Physical Damage Expense Provision

ALLSTATE INSURANCE GROUP*
ALLSTATE INDEMNITY CO.
PRIVATE PASSENGER AUTOMOBILE INSURANCE
Countrywide Experience for Other Acquisition Expenses
2007 2008 2009
1. Direct Premium Earned Less Reinsurance Premium** $22,348,897 $22,179,653 $21,698,432
2. Other Acquisition Expense Incurred 1,403,527 1,286,955 1,259,684
3. Ratio (2)/(1) 0.0628 0.0580 0.0581
4. Three Year Average 0.060
5. Adjusted Three Year Average*** 0.047
6. Proposed Provision 0.047
* Allstate Insurance Company, Allstate Property and Casualty Insurance Company, Allstate Indemnity Company, Northbrook Indemnity Company, Allstate Fire & Casualty
Insurance Company and Allstate County Mutual. Data includes Personal Property Lines (excluding Earthquake) and Private Passenger Autombobile Insurance
** Premiums for Net Cost of Reinsurance (NCOR) do not include provisions for Other Acquisition expenses. Therefore, direct premiums
must be reduced by NCOR premiums to get the premium base upon which the other acquisition expense provision is applied.
***Reduced by 1.27% to reflect the amount of Installment Fees collected for Allstate Insurance Group and by 0.64% to reflect the amount of Policy Fees
collected by Allstate Indemnity Company. Includes a 0.65% provision for Allstate Indemnity Company and Northbrook Indemnity Company premiums written off.
(000 Omitted)
Attachment III
Exhibit 11

ALLSTATE INSURANCE GROUP*
Countrywide Experience for General Expenses
2007
General Expense**
2008 2009
1. Direct Premium Earned Less Reinsurance Premium*** $22,348,897 $22,179,653 $21,698,432
2. General Expense Incurred 1,037,950 1,103,876 1,011,399
3. Ratio (2)/(1) 0.0464 0.0498 0.0466
4. Three Year Average 0.048
5. Proposed Provision 0.048
* Allstate Insurance Company, Allstate Property and Casualty Insurance Company, Allstate Indemnity Company, Northbrook Indemnity
Company, Allstate Fire & Casualty Insurance Company and Allstate County Mutual
** Data includes Personal Property Lines (excluding Earthquake) and Private Passenger Automobile Insurance
*** Premiums for Net Cost of Reinsurance (NCOR) do not include provisions for General Expenses. Therefore, direct premiums must
be reduced by NCOR premiums to get the premium base upon which the general expense provision is applied.
(000's) omitted
Attachment III
Exhibit 12

1) Average Earned Date of Experience Period
2) Average Earned Date of Proposed Policy Period
3) Number of Years from (1) to (2)
4) Selected Annual Impact
Allstate Indemnity Company
Private Passenger Auto
Delaware
Factor to Adjust for Subsequent Change in Fixed Expense
(For calendar years 2007-2009 )
5) Factor to Adjust for Subsequent Change in Fixed Expense [ 1.0 + (4) ] ^ (3)
Attachment III
Exhibit 13
6/30/2008
10/21/2012
4.310
1.70%
1.075

Allstate Indemnity Company
Private Passenger Auto
Delaware
Investment Income - Liability Coverages
Calculation of Present Value, as of the Average Earning Date of a
Policy Year, of all Income and Outgo @ 2.4% †force of interest,
assuming an Operating Profit of 7.10% and six month Policy Terms
Cumulative
Discounted‡ to
Years From Start Percent of Yearly Percent Time from Start Average Time of Discounted
of Policy Year Losses Paid of Losses Paid of Policy Year Profit @ 2.4% Payments
1 37.7 % 37.70 % 0.69 1.001 37.7 %
2 86.0 48.30 1.39 0.985 47.6
3 103.2 17.20 2.45 0.960 16.5
4 101.7 -1.50 3.47 0.937 -1.4
5 100.9 -0.80 4.45 0.915 -0.7
6 100.0 -0.90 5.44 0.894 -0.8
Subsequent 100.0 0.00 7.46 0.851 0.0
Total
Expected Losses and Loss Expense Ratio
Present Value of Loss and Loss Expense Payments
General Expense
Other Acquisition
Taxes
Licenses and Fees
Commissions
Debt Provision
Profit
98.9 %
69.9 %
69.1 %
4.8 % 0.63 1.003 4.8 %
4.7 % 0.56 1.005 4.7 %
2.3 % 0.52 1.006 2.3 %
0.1 % 0.52 1.006 0.1 %
7.6 % 0.58 1.004 7.6 %
1.3 % 0.75 1.000 1.3 %
9.3 % 0.75 1.000 9.3 %
Total Present Value of Outgo
99.2 %
Premiums
100.0 % 0.61 1.003 100.3 %
Difference, Present Value of Income Less Present Value of Outgo
1.1 %
†Discount rate from Investment Department forecast
‡exp (force of interest x (timing of profit being earned – timing of cash flow))
Attachment III
Exhibit 14.1

Allstate Indemnity Company
Private Passenger Auto
Delaware
Investment Income - Physical Damage Coverages
Calculation of Present Value, as of the Average Earning Date of a
Policy Year, of all Income and Outgo @ 2.4% †force of interest,
assuming an Operating Profit of 7.10% and six month Policy Terms
Cumulative
Discounted‡ to
Years From Start Percent of Yearly Percent Time from Start Average Time of Discounted
of Policy Year Losses Paid of Losses Paid of Policy Year Profit @ 2.4% Payments
1 70.9 % 70.90 % 0.63 1.003 71.1 %
2 100.6 29.70 1.13 0.991 29.4
3 100.1 -0.50 2.35 0.962 -0.5
4 100.0 -0.10 3.98 0.925 -0.1
5 100.0 0.00 4.11 0.923 0.0
6 100.0 0.00 6.82 0.864 0.0
Subsequent 100.0 0.00 7.63 0.848 0.0
Total
Expected Losses and Loss Expense Ratio
Present Value of Loss and Loss Expense Payments
General Expense
Other Acquisition
Taxes
Licenses and Fees
Commissions
Debt Provision
Profit
99.9 %
68.9 %
68.8 %
4.8 % 0.63 1.003 4.8 %
4.7 % 0.56 1.005 4.7 %
2.2 % 0.52 1.006 2.2 %
0.1 % 0.52 1.006 0.1 %
7.6 % 0.58 1.004 7.6 %
1.3 % 0.75 1.000 1.3 %
10.4 % 0.75 1.000 10.4 %
Total Present Value of Outgo
99.9 %
Premiums
100.0 % 0.61 1.003 100.3 %
Difference, Present Value of Income Less Present Value of Outgo
0.4 %
†Discount rate from Investment Department forecast
‡exp (force of interest x (timing of profit being earned – timing of cash flow))
Attachment III
Exhibit 14.2

Fiscal Year Ending
(1)
Earned Exposures
(2)
Earned Premium
at Current Rates
Allstate Indemnity Company
Private Passenger Auto
Delaware
Development of Projected Average Earned Premium
Bodily Injury
(3)
Factor to Adjust to
Projected Premium
Level
(4)
Projected Earned
Premium at
Current Rates
(2) x (3)
(5)
Projected Average
Earned Premium
at Current Rates
(4) / (1)
12/31/2010 1,208 $627,218 1.000 $627,218 $519.22
(7) Projected Average Earned Premium At Current Rates
$519.22
Attachment III
Exhibit 15.1
(6)
Experience Year
Weights
100 %

Fiscal Year Ending
(1)
Earned Exposures
(2)
Earned Premium
at Current Rates
Allstate Indemnity Company
Private Passenger Auto
Delaware
Development of Projected Average Earned Premium
Property Damage
(3)
Factor to Adjust to
Projected Premium
Level
(4)
Projected Earned
Premium at
Current Rates
(2) x (3)
(5)
Projected Average
Earned Premium
at Current Rates
(4) / (1)
12/31/2010 1,208 $339,156 1.000 $339,156 $280.76
(7) Projected Average Earned Premium At Current Rates
$280.76
Attachment III
Exhibit 15.2
(6)
Experience Year
Weights
100 %

Fiscal Year Ending
(1)
Earned Exposures
(2)
Earned Premium
at Current Rates
Allstate Indemnity Company
Private Passenger Auto
Delaware
Development of Projected Average Earned Premium
Personal Injury Protection
(3)
Factor to Adjust to
Projected Premium
Level
(4)
Projected Earned
Premium at
Current Rates
(2) x (3)
(5)
Projected Average
Earned Premium
at Current Rates
(4) / (1)
12/31/2010 1,208 $393,921 1.000 $393,921 $326.09
(7) Projected Average Earned Premium At Current Rates
$326.09
Attachment III
Exhibit 15.3
(6)
Experience Year
Weights
100 %

Fiscal Year Ending
(1)
Earned Exposures
(2)
Earned Premium
at Current Rates
Allstate Indemnity Company
Private Passenger Auto
Delaware
Development of Projected Average Earned Premium
Uninsured / Underinsured Motorist
(3)
Factor to Adjust to
Projected Premium
Level
(4)
Projected Earned
Premium at
Current Rates
(2) x (3)
(5)
Projected Average
Earned Premium
at Current Rates
(4) / (1)
12/31/2010 1,014 $114,462 1.000 $114,462 $112.88
(7) Projected Average Earned Premium At Current Rates
$112.88
Attachment III
Exhibit 15.4
(6)
Experience Year
Weights
100 %

Fiscal Year Ending
(1)
Earned Exposures
(2)
Earned Premium
at Current Rates
Allstate Indemnity Company
Private Passenger Auto
Delaware
Development of Projected Average Earned Premium
Collision
(3)
Factor to Adjust to
Projected Premium
Level
(4)
Projected Earned
Premium at
Current Rates
(2) x (3)
(5)
Projected Average
Earned Premium
at Current Rates
(4) / (1)
12/31/2010 400 $330,307 1.169 $386,129 $965.32
(7) Projected Average Earned Premium At Current Rates
$965.32
Attachment III
Exhibit 15.5
(6)
Experience Year
Weights
100 %

Fiscal Year Ending
(1)
Earned Exposures
(2)
Earned Premium
at Current Rates
Allstate Indemnity Company
Private Passenger Auto
Delaware
Development of Projected Average Earned Premium
Comprehensive
(3)
Factor to Adjust to
Projected Premium
Level
(4)
Projected Earned
Premium at
Current Rates
(2) x (3)
(5)
Projected Average
Earned Premium
at Current Rates
(4) / (1)
12/31/2010 442 $152,806 1.144 $174,810 $395.50
(7) Projected Average Earned Premium At Current Rates
$395.50
Attachment III
Exhibit 15.6
(6)
Experience Year
Weights
100 %

Coverage
Bodily Injury
Property Damage
Personal Injury Protection
Uninsured / Underinsured Motorist
Collision
Comprehensive
1)Average Earned Date of Proposed Policy Period
2) Mid-Point of Current Year's Experience Period
3) Experience Period Ended
4) Midpoint of Experience Period
5) Historical: Number of Years from (4) to (2)
6) Projected: Number of Years from (2) to (1)
Calculation of Trend Factors
Allstate Indemnity Company
Private Passenger Auto
Delaware
Calculation of Premium Trend Factor
Selected Annual Premium Impacts
Projected
0.00%
0.00
0.00
0.00
7.00
6.00
Current Year
10/21/2012
6/30/2010
12/31/2010
6/30/2010
0.000
2.310
(a) Historical Premium Factors are the Annual Historical Impacts plus unity compounded for the number of years in (5)
(b) Projected Premium Factors are the Annual Projected Impacts plus unity compounded for the number of years in (6)
(c) Factor to Adjust to Projected Premium Level = (a) x (b)
Attachment III
Exhibit 16

Attachment III
Exhibit 17.1
Year Ending
Average Written
Premium @ CRL Annual Change 24 pt. 12 pt. 6 pt.
06/05 $434.21 5.24 % $421.45
09/05 433.48 4.70 425.70
12/05 439.77 4.83 430.00
03/06 443.20 4.44 434.33
06/06 437.17 0.68 438.72
09/06 451.54 4.17 443.14
12/06 439.81 0.01 447.61
03/07 444.37 0.26 452.12
06/07 442.04 1.11 456.68
09/07 435.33 -3.59 461.29
12/07 451.01 2.55 465.94
03/08 454.81 2.35 470.64
06/08 463.61 4.88 475.39 $478.89
09/08 472.92 8.63 480.19 483.71
12/08 483.65 7.24 485.03 488.57
03/09 502.37 10.46 489.92 493.49
06/09 508.44 9.67 494.86 498.45
09/09 523.02 10.59 499.85 503.47
12/09 516.87 6.87 504.89 508.53 $521.60
03/10 522.52 † 4.01 509.99 513.65 521.16
06/10 522.69 † 2.80 515.13 518.82 520.72
09/10 525.49 † 0.47 520.33 524.04 520.28
12/10 521.82 † 0.96 525.57 529.31 519.84
03/11 513.68 -1.69 530.88 534.63 519.40
Avg Annual Percent Change Based on Best Fit:
†Adjusted Values
Allstate Indemnity Company
Private Passenger Auto
Delaware
Premium Trends
Bodily Injury
Exponential Curve of Best Fit
Regression 24 pt. 12 pt.
4.10% 4.09%
6 pt.
-0.34%

Attachment III
Exhibit 17.2
Year Ending
Average Written
Premium @ CRL Annual Change 24 pt. 12 pt. 6 pt.
06/05 $222.67 5.41 % $220.92
09/05 223.75 6.20 223.57
12/05 229.29 7.33 226.26
03/06 230.36 6.44 228.98
06/06 229.48 3.06 231.73
09/06 238.31 6.51 234.51
12/06 234.67 2.35 237.33
03/07 239.66 4.04 240.18
06/07 239.78 4.49 243.06
09/07 237.18 -0.47 245.98
12/07 245.99 4.82 248.93
03/08 247.75 3.38 251.92
06/08 251.47 4.88 254.95 $258.90
09/08 256.92 8.32 258.01 261.51
12/08 262.37 6.66 261.11 264.14
03/09 268.24 8.27 264.25 266.80
06/09 275.47 9.54 267.42 269.48
09/09 280.92 9.34 270.63 272.20
12/09 279.59 6.56 273.88 274.94 $282.05
03/10 283.06 † 5.52 277.17 277.71 281.89
06/10 282.14 † 2.42 280.50 280.50 281.74
09/10 284.64 † 1.32 283.87 283.33 281.58
12/10 281.80 † 0.79 287.28 286.18 281.43
03/11 278.77 -1.52 290.73 289.06 281.27
Avg Annual Percent Change Based on Best Fit:
†Adjusted Values
Allstate Indemnity Company
Private Passenger Auto
Delaware
Premium Trends
Property Damage
Exponential Curve of Best Fit
Regression 24 pt. 12 pt.
4.89% 4.09%
6 pt.
-0.22%

†Adjusted Values
Allstate Indemnity Company
Private Passenger Auto
Delaware
Premium Trends
Personal Injury Protection
Exponential Curve of Best Fit
Attachment III
Exhibit 17.3
Year Ending
Average Written
Premium @ CRL Annual Change 24 pt. 12 pt. 6 pt.
06/05 $292.44 1.10 % $271.40
09/05 290.89 0.88 274.27
12/05 291.09 0.51 277.17
03/06 294.03 1.35 280.11
06/06 288.77 -1.25 283.08
09/06 292.14 0.43 286.07
12/06 285.28 -2.00 289.10
03/07 282.76 -3.83 292.16
06/07 280.69 -2.80 295.26
09/07 276.41 -5.38 298.38
12/07 278.63 -2.33 301.54
03/08 278.27 -1.59 304.74
06/08 281.32 0.22 307.96 $292.87
09/08 287.55 4.03 311.23 299.01
12/08 298.18 7.02 314.52 305.28
03/09 316.41 13.71 317.85 311.68
06/09 323.11 14.85 321.22 318.21
09/09 335.97 16.84 324.62 324.89
12/09 331.18 11.07 328.06 331.70 $359.57
03/10 373.85 † 18.15 331.53 338.65 356.37
06/10 368.27 † 13.98 335.04 345.75 353.21
09/10 361.60 † 7.63 338.59 353.00 350.07
12/10 357.38 † 7.91 342.17 360.40 346.95
03/11 320.81 -14.19 345.80 367.95 343.87
Regression 24 pt. 12 pt.
Avg Annual Percent Change Based on Best Fit: 4.30% 8.65%
6 pt.
-3.51%

Allstate Indemnity Company
Private Passenger Auto
Delaware
Premium Trends
Uninsured / Underinsured Motorist
Exponential Curve of Best Fit
Attachment III
Exhibit 17.4
Year Ending
Average Written
Premium @ CRL Annual Change 24 pt. 12 pt. 6 pt.
06/05 $111.80 -1.80 % $107.10
09/05 112.79 0.80 107.32
12/05 111.35 -1.16 107.55
03/06 111.96 -0.75 107.77
06/06 108.57 -2.89 108.00
09/06 108.30 -3.98 108.22
12/06 105.10 -5.61 108.45
03/07 104.40 -6.75 108.68
06/07 102.54 -5.55 108.91
09/07 101.97 -5.84 109.13
12/07 104.21 -0.85 109.36
03/08 103.87 -0.51 109.59
06/08 108.88 6.18 109.82 $110.59
09/08 110.26 8.13 110.05 110.90
12/08 112.59 8.04 110.28 111.21
03/09 112.91 8.70 110.51 111.52
06/09 112.80 3.60 110.74 111.83
09/09 112.97 2.46 110.97 112.14
12/09 111.48 -0.99 111.21 112.46 $111.51
03/10 112.38 -0.47 111.44 112.77 112.05
06/10 111.52 -1.13 111.67 113.09 112.60
09/10 114.05 0.96 111.90 113.40 113.16
12/10 114.04 2.30 112.14 113.72 113.71
03/11 113.84 1.30 112.37 114.03 114.27
Regression 24 pt. 12 pt.
Avg Annual Percent Change Based on Best Fit: 0.84% 1.12%
6 pt.
1.98%

Attachment III
Exhibit 17.5
Year Ending
Average Written
Premium @ CRL Annual Change 24 pt. 12 pt. 6 pt.
06/05 $566.11 10.57 % $554.06
09/05 573.25 9.40 564.45
12/05 583.79 8.07 575.03
03/06 595.86 7.57 585.81
06/06 601.52 6.25 596.79
09/06 615.98 7.45 607.98
12/06 615.25 5.39 619.37
03/07 624.88 4.87 630.98
06/07 632.90 5.22 642.81
09/07 640.33 3.95 654.86
12/07 655.82 6.59 667.14
03/08 662.87 6.08 679.64
06/08 665.76 5.19 692.38 $677.60
09/08 677.41 5.79 705.36 693.08
12/08 712.96 8.71 718.58 708.92
03/09 724.07 9.23 732.05 725.12
06/09 758.01 13.86 745.78 741.69
09/09 774.73 14.37 759.76 758.63
12/09 779.10 9.28 774.00 775.97 $788.64
03/10 809.51 † 11.80 788.51 793.70 801.11
06/10 810.80 † 6.96 803.29 811.84 813.77
09/10 838.64 † 8.25 818.35 830.39 826.62
12/10 840.71 † 7.91 833.69 849.36 839.69
03/11 844.25 4.29 849.31 868.77 852.96
Avg Annual Percent Change Based on Best Fit:
†Adjusted Values
Allstate Indemnity Company
Private Passenger Auto
Delaware
Premium Trends
Collision
Exponential Curve of Best Fit
Regression 24 pt. 12 pt.
7.71% 9.46%
6 pt.
6.47%

Allstate Indemnity Company
Private Passenger Auto
Delaware
Premium Trends
Comprehensive
Exponential Curve of Best Fit
Attachment III
Exhibit 17.6
Year Ending
Average Written
Premium @ CRL Annual Change 24 pt. 12 pt. 6 pt.
06/05 $234.99 10.72 % $228.39
09/05 239.86 10.28 232.97
12/05 244.06 8.79 237.65
03/06 247.24 7.51 242.42
06/06 248.61 5.80 247.28
09/06 253.04 5.49 252.25
12/06 253.04 3.68 257.31
03/07 258.50 4.55 262.48
06/07 263.30 5.91 267.75
09/07 263.79 4.25 273.12
12/07 268.48 6.10 278.60
03/08 272.62 5.46 284.20
06/08 272.82 3.62 289.90 $286.29
09/08 283.22 7.37 295.72 292.92
12/08 300.23 11.83 301.66 299.71
03/09 313.11 14.85 307.71 306.65
06/09 330.07 20.98 313.89 313.76
09/09 337.64 19.21 320.19 321.03
12/09 334.12 11.29 326.62 328.47 $332.39
03/10 338.41 † 8.08 333.18 336.09 337.54
06/10 339.26 † 2.78 339.87 343.87 342.77
09/10 346.68 † 2.68 346.69 351.84 348.09
12/10 354.44 † 6.08 353.65 360.00 353.48
03/11 360.36 6.49 360.75 368.34 358.97
Avg Annual Percent Change Based on Best Fit:
†Adjusted Values
Regression 24 pt. 12 pt.
8.27% 9.60%
6 pt.
6.35%

ATTACHMENT IV
Summary of Rating Plan Changes

Methodology
ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTOMOBILE
DELAWARE
GENERALIZED LINEAR MODELS PROCEDURE
Attachment IV
Page 1
A multivariate analysis using Generalized Linear Models (GLMs) is used to determine indicated factors for
each coverage. GLMs provide regression-like modeling of the response variable of pure premium, but
provide more flexibility versus linear regression, as GLMs allow the response variable to come from an
exponential family of distributions, including normal, Poisson, binomial, negative binomial, gamma and
Tweedie distributions. Six models are developed for this analysis; one GLM for each of Bodily Injury,
Property Damage, Medical, Personal Injury Protection, Collision and Comprehensive coverages.
For more information on GLMs and usage in insurance ratemaking, please see the following references:
1. Anderson, D.; Feldblum, S; Modlin, C; Schirmacher, D. Schirmacher, E.; and Thandi, N., “A
Practitioner’s Guide to Generalized Linear Models” (Third Edition), CAS Study Note, February
2007.
http://www.casact.org/library/studynotes/anderson9.pdf
2. McCullagh, P. and Nelder, J., Generalized Linear Models (Second Edition), Chapman and Hall,
London, 1989.
Data
The data used in the analysis is countrywide nonstandard automobile policies that have been with Allstate for
five years or less, from accident years 2005-2008, evaluated at March 31, 2009. Note that policy data from
nine states (CA, HI, MA, MI, MN, ND, NJ, NC and SD) are excluded, as these states either do not have a
distinct nonstandard auto company or do not have all of the data fields necessary for the GLM analysis.
In preparing the data, the following variables are fixed in advance of running the GLMs:
Bodily Injury increased limit factors
Property Damage increased limit factors
Medical increased limit factors
Personal Injury Protection increased limit factors or deductible
Model Year and Deductible by Price Group Symbol for Collision and Comprehensive coverages
Vehicle Surcharge factors
Standard practice to assemble data for a GLM is to utilize a Development Dataset to create the model and a
Holdout Dataset to validate the model. Once this was completed, we established our model structure. We
then updated our data and used the established model to run the GLMs.
Model and Variables Structure
For each coverage, indicated rating plan factors are produced by fitting a GLM using a Tweedie 1 distribution
with a log link function 2 to predict the response variable of pure premium.
1. The Tweedie distribution is commonly used in practice for modeling automobile insurance pure
premiums.
2. The log link function is commonly used in practice for modeling automobile insurance as it has the
appealing property of producing factors that are intended to be multiplied together rather than added.
This is consistent with how the factors are applied in the rate calculation.

Attachment IV
Page 2
Below is a list of the explanatory variables included in the GLMs. Please note that if a rating variable does
not apply to a particular coverage it was not included in the GLM for that coverage.
Territory
Driver Class (various combinations of age, gender and marital status)
Basic/Restricted Usage
Inexperienced Operator Surcharge
Resident Student Discount
Good Student Discount
Multiple Policy Discount
Household Composition (various combinations of # drivers, # cars and youngest age on policy)
Insurance Score Group
Years with Prior Carrier
Prior Bodily Injury Limits
Homeownership Discount
Accident Factor (various combinations of # At-Faults, # years since most recent At-Fault and Age
Group)
Minor Violations Factor (various combinations of # Minor Violations, # years since most recent
Minor Violation and Age Group)
Number of Major Violations
Vehicle Usage
Secondary Analysis
After the GLMs are solved and their resulting factors are applied back to the dataset, a secondary loss ratio
analysis is conducted to obtain indicated rating plan factors for the following variables:
Performance Discount
Easy Pay Discount
Future Effective Date Discount
Good Payer Discount
Since not all states include the Performance Discount variables in rating, this variable was not included in the
GLM but instead the indicated factors were calculated with a secondary analysis.
Property Damage Increased Limits Analysis
Allstate is modifying the factors for Property Damage (PD) Limits with this filing based on an updated
analysis. PD limit was initially included as a variable in the Generalized Linear Model. Then PD limit
factors were selected based on the model output and ensuring that the factors increased at a decreasing rate.
These selected factors were then fixed in the final Generalized Linear Model.
Indicated and Selected Factors
Both indicated and selected factors were flattened for fixed expenses. Selected factors were adjusted for
reversals and actuarial judgment.
Validation
With this filing, Allstate is implementing our latest version of our nonstandard automobile rating plan, Blue
2.0, which has improved predictive accuracy over its predecessor, Blue.

Attachment IV
Page 3
We have used two-way lift charts to numerically compare the performance of the new rating plan factors
versus the prior phase rating plan factors when both sets of factors are used to rate the common set of policies
in the dataset. For two-way lift charts, the more accurate model has a line plot that is closer to 1.00. By this
measure, our new rating plan is a more accurate rating plan compared to the Blue rating plan as illustrated in
the chart below.
Additional Revisions
Blue 2.0
Blue 2.0 rates lower than
Blue
Allstate is making the editorial revision of adding 2010, 2011 and 2012 Model Year Factors to the rate pages.
These factors were determined per Rule 21A. Model years prior to 2002 have been set equal to the Model
Year 2002 factor as per Rule 21B.
Blue
Blue 2.0 rates higher
than Blue

ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTO
DELAWARE
TIER FACTORS
Indicated Selected Indicated Selected Indicated Selected Indicated Selected Indicated Selected
Tier BI Factor BI Factor PD Factor PD Factor PIP Factor PIP Factor Coll Factor Coll Factor Comp Factor Comp Factor
1 0.68 0.68 0.80 0.80 0.44 0.44 0.77 0.77 0.60 0.60
2 0.68 0.68 0.80 0.80 0.50 0.50 0.77 0.77 0.65 0.65
3 0.74 0.74 0.82 0.82 0.63 0.63 0.78 0.78 0.69 0.69
4 0.71 0.71 0.80 0.80 0.51 0.51 0.82 0.82 0.64 0.64
5 0.71 0.71 0.80 0.80 0.58 0.58 0.82 0.82 0.69 0.69
6 0.77 0.77 0.82 0.82 0.73 0.73 0.84 0.84 0.73 0.73
7 0.68 0.68 0.80 0.80 0.44 0.44 0.77 0.77 0.60 0.60
8 0.68 0.68 0.80 0.80 0.50 0.50 0.77 0.77 0.65 0.65
9 0.74 0.74 0.82 0.82 0.63 0.63 0.78 0.78 0.69 0.69
10 0.71 0.71 0.80 0.80 0.51 0.51 0.82 0.82 0.64 0.64
11 0.71 0.71 0.80 0.80 0.58 0.58 0.82 0.82 0.69 0.69
12 0.77 0.77 0.82 0.82 0.73 0.73 0.84 0.84 0.73 0.73
13 0.68 0.68 0.80 0.80 0.44 0.44 0.77 0.77 0.60 0.60
14 0.68 0.68 0.80 0.80 0.50 0.50 0.77 0.77 0.65 0.65
15 0.74 0.74 0.82 0.82 0.63 0.63 0.78 0.78 0.69 0.69
16 0.71 0.71 0.80 0.80 0.51 0.51 0.82 0.82 0.64 0.64
17 0.71 0.71 0.80 0.80 0.58 0.58 0.82 0.82 0.69 0.69
18 0.77 0.77 0.82 0.82 0.73 0.73 0.84 0.84 0.73 0.73
19 0.68 0.68 0.80 0.80 0.44 0.44 0.77 0.77 0.60 0.60
20 0.68 0.68 0.80 0.80 0.50 0.50 0.77 0.77 0.65 0.65
21 0.74 0.74 0.82 0.82 0.63 0.63 0.78 0.78 0.69 0.69
22 0.71 0.71 0.80 0.80 0.51 0.51 0.82 0.82 0.64 0.64
23 0.71 0.71 0.80 0.80 0.58 0.58 0.82 0.82 0.69 0.69
24 0.77 0.77 0.82 0.82 0.73 0.73 0.84 0.84 0.73 0.73
25 0.71 0.71 0.80 0.80 0.51 0.51 0.82 0.82 0.64 0.64
26 0.71 0.71 0.80 0.80 0.58 0.58 0.82 0.82 0.69 0.69
27 0.77 0.77 0.82 0.82 0.73 0.73 0.84 0.84 0.73 0.73
28 0.71 0.71 0.80 0.80 0.51 0.51 0.82 0.82 0.64 0.64
29 0.71 0.71 0.80 0.80 0.58 0.58 0.82 0.82 0.69 0.69
30 0.77 0.77 0.82 0.82 0.73 0.73 0.84 0.84 0.73 0.73
31 0.69 0.69 0.81 0.81 0.45 0.45 0.77 0.77 0.61 0.61
32 0.69 0.69 0.81 0.81 0.51 0.51 0.77 0.77 0.67 0.67
33 0.75 0.75 0.84 0.84 0.65 0.65 0.79 0.79 0.71 0.71
34 0.72 0.72 0.81 0.81 0.53 0.53 0.83 0.83 0.65 0.65
35 0.72 0.72 0.81 0.81 0.59 0.59 0.83 0.83 0.71 0.71
36 0.78 0.78 0.84 0.84 0.75 0.75 0.85 0.85 0.75 0.75
37 0.69 0.69 0.81 0.81 0.45 0.45 0.77 0.77 0.61 0.61
38 0.69 0.69 0.81 0.81 0.51 0.51 0.77 0.77 0.67 0.67
39 0.75 0.75 0.84 0.84 0.65 0.65 0.79 0.79 0.71 0.71
40 0.72 0.72 0.81 0.81 0.53 0.53 0.83 0.83 0.65 0.65
41 0.72 0.72 0.81 0.81 0.59 0.59 0.83 0.83 0.71 0.71
42 0.78 0.78 0.84 0.84 0.75 0.75 0.85 0.85 0.75 0.75
43 0.69 0.69 0.81 0.81 0.45 0.45 0.77 0.77 0.61 0.61
44 0.69 0.69 0.81 0.81 0.51 0.51 0.77 0.77 0.67 0.67
45 0.75 0.75 0.84 0.84 0.65 0.65 0.79 0.79 0.71 0.71
46 0.72 0.72 0.81 0.81 0.53 0.53 0.83 0.83 0.65 0.65
47 0.72 0.72 0.81 0.81 0.59 0.59 0.83 0.83 0.71 0.71
48 0.78 0.78 0.84 0.84 0.75 0.75 0.85 0.85 0.75 0.75
49 0.69 0.69 0.81 0.81 0.45 0.45 0.77 0.77 0.61 0.61
50 0.69 0.69 0.81 0.81 0.51 0.51 0.77 0.77 0.67 0.67
51 0.75 0.75 0.84 0.84 0.65 0.65 0.79 0.79 0.71 0.71
52 0.72 0.72 0.81 0.81 0.53 0.53 0.83 0.83 0.65 0.65
53 0.72 0.72 0.81 0.81 0.59 0.59 0.83 0.83 0.71 0.71
54 0.78 0.78 0.84 0.84 0.75 0.75 0.85 0.85 0.75 0.75
55 0.72 0.72 0.81 0.81 0.53 0.53 0.83 0.83 0.65 0.65
56 0.72 0.72 0.81 0.81 0.59 0.59 0.83 0.83 0.71 0.71
57 0.78 0.78 0.84 0.84 0.75 0.75 0.85 0.85 0.75 0.75
58 0.72 0.72 0.81 0.81 0.53 0.53 0.83 0.83 0.65 0.65
59 0.72 0.72 0.81 0.81 0.59 0.59 0.83 0.83 0.71 0.71
60 0.78 0.78 0.84 0.84 0.75 0.75 0.85 0.85 0.75 0.75
61 0.71 0.71 0.82 0.82 0.47 0.47 0.79 0.79 0.64 0.64
62 0.71 0.71 0.82 0.82 0.53 0.53 0.79 0.79 0.70 0.70
63 0.77 0.77 0.85 0.85 0.67 0.67 0.81 0.81 0.73 0.73
64 0.74 0.74 0.82 0.82 0.55 0.55 0.85 0.85 0.68 0.68
65 0.74 0.74 0.82 0.82 0.62 0.62 0.85 0.85 0.74 0.74
66 0.80 0.80 0.85 0.85 0.78 0.78 0.87 0.87 0.78 0.78
67 0.71 0.71 0.82 0.82 0.47 0.47 0.79 0.79 0.64 0.64
68 0.71 0.71 0.82 0.82 0.53 0.53 0.79 0.79 0.70 0.70
69 0.77 0.77 0.85 0.85 0.67 0.67 0.81 0.81 0.73 0.73
70 0.74 0.74 0.82 0.82 0.55 0.55 0.85 0.85 0.68 0.68
71 0.74 0.74 0.82 0.82 0.62 0.62 0.85 0.85 0.74 0.74
72 0.80 0.80 0.85 0.85 0.78 0.78 0.87 0.87 0.78 0.78
73 0.71 0.71 0.82 0.82 0.47 0.47 0.79 0.79 0.64 0.64
74 0.71 0.71 0.82 0.82 0.53 0.53 0.79 0.79 0.70 0.70
75 0.77 0.77 0.85 0.85 0.67 0.67 0.81 0.81 0.73 0.73
76 0.74 0.74 0.82 0.82 0.55 0.55 0.85 0.85 0.68 0.68
77 0.74 0.74 0.82 0.82 0.62 0.62 0.85 0.85 0.74 0.74
78 0.80 0.80 0.85 0.85 0.78 0.78 0.87 0.87 0.78 0.78
79 0.71 0.71 0.82 0.82 0.47 0.47 0.79 0.79 0.64 0.64
80 0.71 0.71 0.82 0.82 0.53 0.53 0.79 0.79 0.70 0.70
81 0.77 0.77 0.85 0.85 0.67 0.67 0.81 0.81 0.73 0.73
82 0.74 0.74 0.82 0.82 0.55 0.55 0.85 0.85 0.68 0.68
83 0.74 0.74 0.82 0.82 0.62 0.62 0.85 0.85 0.74 0.74
84 0.80 0.80 0.85 0.85 0.78 0.78 0.87 0.87 0.78 0.78
85 0.74 0.74 0.82 0.82 0.55 0.55 0.85 0.85 0.68 0.68
86 0.74 0.74 0.82 0.82 0.62 0.62 0.85 0.85 0.74 0.74
87 0.80 0.80 0.85 0.85 0.78 0.78 0.87 0.87 0.78 0.78
88 0.74 0.74 0.82 0.82 0.55 0.55 0.85 0.85 0.68 0.68
89 0.74 0.74 0.82 0.82 0.62 0.62 0.85 0.85 0.74 0.74
90 0.80 0.80 0.85 0.85 0.78 0.78 0.87 0.87 0.78 0.78
Attachment IV
Exhibit 1
Page 1

ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTO
DELAWARE
TIER FACTORS
Indicated Selected Indicated Selected Indicated Selected Indicated Selected Indicated Selected
Tier BI Factor BI Factor PD Factor PD Factor PIP Factor PIP Factor Coll Factor Coll Factor Comp Factor Comp Factor
91 0.72 0.72 0.83 0.83 0.48 0.48 0.80 0.80 0.65 0.65
92 0.72 0.72 0.83 0.83 0.54 0.54 0.80 0.80 0.71 0.71
93 0.78 0.78 0.86 0.86 0.69 0.69 0.82 0.82 0.75 0.75
94 0.75 0.75 0.83 0.83 0.56 0.56 0.86 0.86 0.70 0.70
95 0.75 0.75 0.83 0.83 0.63 0.63 0.86 0.86 0.76 0.76
96 0.81 0.81 0.86 0.86 0.80 0.80 0.88 0.88 0.80 0.80
97 0.72 0.72 0.83 0.83 0.48 0.48 0.80 0.80 0.65 0.65
98 0.72 0.72 0.83 0.83 0.54 0.54 0.80 0.80 0.71 0.71
99 0.78 0.78 0.86 0.86 0.69 0.69 0.82 0.82 0.75 0.75
100 0.75 0.75 0.83 0.83 0.56 0.56 0.86 0.86 0.70 0.70
101 0.75 0.75 0.83 0.83 0.63 0.63 0.86 0.86 0.76 0.76
102 0.81 0.81 0.86 0.86 0.80 0.80 0.88 0.88 0.80 0.80
103 0.72 0.72 0.83 0.83 0.48 0.48 0.80 0.80 0.65 0.65
104 0.72 0.72 0.83 0.83 0.54 0.54 0.80 0.80 0.71 0.71
105 0.78 0.78 0.86 0.86 0.69 0.69 0.82 0.82 0.75 0.75
106 0.75 0.75 0.83 0.83 0.56 0.56 0.86 0.86 0.70 0.70
107 0.75 0.75 0.83 0.83 0.63 0.63 0.86 0.86 0.76 0.76
108 0.81 0.81 0.86 0.86 0.80 0.80 0.88 0.88 0.80 0.80
109 0.72 0.72 0.83 0.83 0.48 0.48 0.80 0.80 0.65 0.65
110 0.72 0.72 0.83 0.83 0.54 0.54 0.80 0.80 0.71 0.71
111 0.78 0.78 0.86 0.86 0.69 0.69 0.82 0.82 0.75 0.75
112 0.75 0.75 0.83 0.83 0.56 0.56 0.86 0.86 0.70 0.70
113 0.75 0.75 0.83 0.83 0.63 0.63 0.86 0.86 0.76 0.76
114 0.81 0.81 0.86 0.86 0.80 0.80 0.88 0.88 0.80 0.80
115 0.75 0.75 0.83 0.83 0.56 0.56 0.86 0.86 0.70 0.70
116 0.75 0.75 0.83 0.83 0.63 0.63 0.86 0.86 0.76 0.76
117 0.81 0.81 0.86 0.86 0.80 0.80 0.88 0.88 0.80 0.80
118 0.75 0.75 0.83 0.83 0.56 0.56 0.86 0.86 0.70 0.70
119 0.75 0.75 0.83 0.83 0.63 0.63 0.86 0.86 0.76 0.76
120 0.81 0.81 0.86 0.86 0.80 0.80 0.88 0.88 0.80 0.80
121 0.73 0.73 0.84 0.84 0.50 0.50 0.82 0.82 0.68 0.68
122 0.73 0.73 0.84 0.84 0.56 0.56 0.82 0.82 0.74 0.74
123 0.80 0.80 0.87 0.87 0.71 0.71 0.84 0.84 0.78 0.78
124 0.76 0.76 0.84 0.84 0.58 0.58 0.88 0.88 0.72 0.72
125 0.76 0.76 0.84 0.84 0.66 0.66 0.88 0.88 0.79 0.79
126 0.83 0.83 0.87 0.87 0.83 0.83 0.90 0.90 0.83 0.83
127 0.73 0.73 0.84 0.84 0.50 0.50 0.82 0.82 0.68 0.68
128 0.73 0.73 0.84 0.84 0.56 0.56 0.82 0.82 0.74 0.74
129 0.80 0.80 0.87 0.87 0.71 0.71 0.84 0.84 0.78 0.78
130 0.76 0.76 0.84 0.84 0.58 0.58 0.88 0.88 0.72 0.72
131 0.76 0.76 0.84 0.84 0.66 0.66 0.88 0.88 0.79 0.79
132 0.83 0.83 0.87 0.87 0.83 0.83 0.90 0.90 0.83 0.83
133 0.73 0.73 0.84 0.84 0.50 0.50 0.82 0.82 0.68 0.68
134 0.73 0.73 0.84 0.84 0.56 0.56 0.82 0.82 0.74 0.74
135 0.80 0.80 0.87 0.87 0.71 0.71 0.84 0.84 0.78 0.78
136 0.76 0.76 0.84 0.84 0.58 0.58 0.88 0.88 0.72 0.72
137 0.76 0.76 0.84 0.84 0.66 0.66 0.88 0.88 0.79 0.79
138 0.83 0.83 0.87 0.87 0.83 0.83 0.90 0.90 0.83 0.83
139 0.73 0.73 0.84 0.84 0.50 0.50 0.82 0.82 0.68 0.68
140 0.73 0.73 0.84 0.84 0.56 0.56 0.82 0.82 0.74 0.74
141 0.80 0.80 0.87 0.87 0.71 0.71 0.84 0.84 0.78 0.78
142 0.76 0.76 0.84 0.84 0.58 0.58 0.88 0.88 0.72 0.72
143 0.76 0.76 0.84 0.84 0.66 0.66 0.88 0.88 0.79 0.79
144 0.83 0.83 0.87 0.87 0.83 0.83 0.90 0.90 0.83 0.83
145 0.76 0.76 0.84 0.84 0.58 0.58 0.88 0.88 0.72 0.72
146 0.76 0.76 0.84 0.84 0.66 0.66 0.88 0.88 0.79 0.79
147 0.83 0.83 0.87 0.87 0.83 0.83 0.90 0.90 0.83 0.83
148 0.76 0.76 0.84 0.84 0.58 0.58 0.88 0.88 0.72 0.72
149 0.76 0.76 0.84 0.84 0.66 0.66 0.88 0.88 0.79 0.79
150 0.83 0.83 0.87 0.87 0.83 0.83 0.90 0.90 0.83 0.83
151 0.75 0.75 0.86 0.86 0.51 0.51 0.83 0.83 0.70 0.70
152 0.75 0.75 0.86 0.86 0.58 0.58 0.83 0.83 0.76 0.76
153 0.82 0.82 0.89 0.89 0.73 0.73 0.85 0.85 0.80 0.80
154 0.78 0.78 0.86 0.86 0.60 0.60 0.89 0.89 0.74 0.74
155 0.78 0.78 0.86 0.86 0.67 0.67 0.89 0.89 0.81 0.81
156 0.85 0.85 0.89 0.89 0.85 0.85 0.91 0.91 0.85 0.85
157 0.75 0.75 0.86 0.86 0.51 0.51 0.83 0.83 0.70 0.70
158 0.75 0.75 0.86 0.86 0.58 0.58 0.83 0.83 0.76 0.76
159 0.82 0.82 0.89 0.89 0.73 0.73 0.85 0.85 0.80 0.80
160 0.78 0.78 0.86 0.86 0.60 0.60 0.89 0.89 0.74 0.74
161 0.78 0.78 0.86 0.86 0.67 0.67 0.89 0.89 0.81 0.81
162 0.85 0.85 0.89 0.89 0.85 0.85 0.91 0.91 0.85 0.85
163 0.75 0.75 0.86 0.86 0.51 0.51 0.83 0.83 0.70 0.70
164 0.75 0.75 0.86 0.86 0.58 0.58 0.83 0.83 0.76 0.76
165 0.82 0.82 0.89 0.89 0.73 0.73 0.85 0.85 0.80 0.80
166 0.78 0.78 0.86 0.86 0.60 0.60 0.89 0.89 0.74 0.74
167 0.78 0.78 0.86 0.86 0.67 0.67 0.89 0.89 0.81 0.81
168 0.85 0.85 0.89 0.89 0.85 0.85 0.91 0.91 0.85 0.85
169 0.75 0.75 0.86 0.86 0.51 0.51 0.83 0.83 0.70 0.70
170 0.75 0.75 0.86 0.86 0.58 0.58 0.83 0.83 0.76 0.76
171 0.82 0.82 0.89 0.89 0.73 0.73 0.85 0.85 0.80 0.80
172 0.78 0.78 0.86 0.86 0.60 0.60 0.89 0.89 0.74 0.74
173 0.78 0.78 0.86 0.86 0.67 0.67 0.89 0.89 0.81 0.81
174 0.85 0.85 0.89 0.89 0.85 0.85 0.91 0.91 0.85 0.85
175 0.78 0.78 0.86 0.86 0.60 0.60 0.89 0.89 0.74 0.74
176 0.78 0.78 0.86 0.86 0.67 0.67 0.89 0.89 0.81 0.81
177 0.85 0.85 0.89 0.89 0.85 0.85 0.91 0.91 0.85 0.85
178 0.78 0.78 0.86 0.86 0.60 0.60 0.89 0.89 0.74 0.74
179 0.78 0.78 0.86 0.86 0.67 0.67 0.89 0.89 0.81 0.81
180 0.85 0.85 0.89 0.89 0.85 0.85 0.91 0.91 0.85 0.85
Attachment IV
Exhibit 1
Page 2

ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTO
DELAWARE
TIER FACTORS
Indicated Selected Indicated Selected Indicated Selected Indicated Selected Indicated Selected
Tier BI Factor BI Factor PD Factor PD Factor PIP Factor PIP Factor Coll Factor Coll Factor Comp Factor Comp Factor
181 0.76 0.76 0.87 0.87 0.53 0.53 0.85 0.85 0.72 0.72
182 0.76 0.76 0.87 0.87 0.60 0.60 0.85 0.85 0.79 0.79
183 0.83 0.83 0.90 0.90 0.76 0.76 0.86 0.86 0.83 0.83
184 0.79 0.79 0.87 0.87 0.62 0.62 0.91 0.91 0.77 0.77
185 0.79 0.79 0.87 0.87 0.70 0.70 0.91 0.91 0.84 0.84
186 0.86 0.86 0.90 0.90 0.88 0.88 0.93 0.93 0.88 0.88
187 0.76 0.76 0.87 0.87 0.53 0.53 0.85 0.85 0.72 0.72
188 0.76 0.76 0.87 0.87 0.60 0.60 0.85 0.85 0.79 0.79
189 0.83 0.83 0.90 0.90 0.76 0.76 0.86 0.86 0.83 0.83
190 0.79 0.79 0.87 0.87 0.62 0.62 0.91 0.91 0.77 0.77
191 0.79 0.79 0.87 0.87 0.70 0.70 0.91 0.91 0.84 0.84
192 0.86 0.86 0.90 0.90 0.88 0.88 0.93 0.93 0.88 0.88
193 0.76 0.76 0.87 0.87 0.53 0.53 0.85 0.85 0.72 0.72
194 0.76 0.76 0.87 0.87 0.60 0.60 0.85 0.85 0.79 0.79
195 0.83 0.83 0.90 0.90 0.76 0.76 0.86 0.86 0.83 0.83
196 0.79 0.79 0.87 0.87 0.62 0.62 0.91 0.91 0.77 0.77
197 0.79 0.79 0.87 0.87 0.70 0.70 0.91 0.91 0.84 0.84
198 0.86 0.86 0.90 0.90 0.88 0.88 0.93 0.93 0.88 0.88
199 0.76 0.76 0.87 0.87 0.53 0.53 0.85 0.85 0.72 0.72
200 0.76 0.76 0.87 0.87 0.60 0.60 0.85 0.85 0.79 0.79
201 0.83 0.83 0.90 0.90 0.76 0.76 0.86 0.86 0.83 0.83
202 0.79 0.79 0.87 0.87 0.62 0.62 0.91 0.91 0.77 0.77
203 0.79 0.79 0.87 0.87 0.70 0.70 0.91 0.91 0.84 0.84
204 0.86 0.86 0.90 0.90 0.88 0.88 0.93 0.93 0.88 0.88
205 0.79 0.79 0.87 0.87 0.62 0.62 0.91 0.91 0.77 0.77
206 0.79 0.79 0.87 0.87 0.70 0.70 0.91 0.91 0.84 0.84
207 0.86 0.86 0.90 0.90 0.88 0.88 0.93 0.93 0.88 0.88
208 0.79 0.79 0.87 0.87 0.62 0.62 0.91 0.91 0.77 0.77
209 0.79 0.79 0.87 0.87 0.70 0.70 0.91 0.91 0.84 0.84
210 0.86 0.86 0.90 0.90 0.88 0.88 0.93 0.93 0.88 0.88
211 0.78 0.78 0.88 0.88 0.55 0.55 0.87 0.87 0.74 0.74
212 0.78 0.78 0.88 0.88 0.62 0.62 0.87 0.87 0.81 0.81
213 0.84 0.84 0.91 0.91 0.78 0.78 0.88 0.88 0.86 0.86
214 0.81 0.81 0.88 0.88 0.64 0.64 0.93 0.93 0.79 0.79
215 0.81 0.81 0.88 0.88 0.72 0.72 0.93 0.93 0.86 0.86
216 0.88 0.88 0.91 0.91 0.91 0.91 0.95 0.95 0.91 0.91
217 0.78 0.78 0.88 0.88 0.55 0.55 0.87 0.87 0.74 0.74
218 0.78 0.78 0.88 0.88 0.62 0.62 0.87 0.87 0.81 0.81
219 0.84 0.84 0.91 0.91 0.78 0.78 0.88 0.88 0.86 0.86
220 0.81 0.81 0.88 0.88 0.64 0.64 0.93 0.93 0.79 0.79
221 0.81 0.81 0.88 0.88 0.72 0.72 0.93 0.93 0.86 0.86
222 0.88 0.88 0.91 0.91 0.91 0.91 0.95 0.95 0.91 0.91
223 0.78 0.78 0.88 0.88 0.55 0.55 0.87 0.87 0.74 0.74
224 0.78 0.78 0.88 0.88 0.62 0.62 0.87 0.87 0.81 0.81
225 0.84 0.84 0.91 0.91 0.78 0.78 0.88 0.88 0.86 0.86
226 0.81 0.81 0.88 0.88 0.64 0.64 0.93 0.93 0.79 0.79
227 0.81 0.81 0.88 0.88 0.72 0.72 0.93 0.93 0.86 0.86
228 0.88 0.88 0.91 0.91 0.91 0.91 0.95 0.95 0.91 0.91
229 0.78 0.78 0.88 0.88 0.55 0.55 0.87 0.87 0.74 0.74
230 0.78 0.78 0.88 0.88 0.62 0.62 0.87 0.87 0.81 0.81
231 0.84 0.84 0.91 0.91 0.78 0.78 0.88 0.88 0.86 0.86
232 0.81 0.81 0.88 0.88 0.64 0.64 0.93 0.93 0.79 0.79
233 0.81 0.81 0.88 0.88 0.72 0.72 0.93 0.93 0.86 0.86
234 0.88 0.88 0.91 0.91 0.91 0.91 0.95 0.95 0.91 0.91
235 0.81 0.81 0.88 0.88 0.64 0.64 0.93 0.93 0.79 0.79
236 0.81 0.81 0.88 0.88 0.72 0.72 0.93 0.93 0.86 0.86
237 0.88 0.88 0.91 0.91 0.91 0.91 0.95 0.95 0.91 0.91
238 0.81 0.81 0.88 0.88 0.64 0.64 0.93 0.93 0.79 0.79
239 0.81 0.81 0.88 0.88 0.72 0.72 0.93 0.93 0.86 0.86
240 0.88 0.88 0.91 0.91 0.91 0.91 0.95 0.95 0.91 0.91
241 0.79 0.79 0.90 0.90 0.57 0.57 0.87 0.87 0.77 0.77
242 0.79 0.79 0.90 0.90 0.64 0.64 0.87 0.87 0.84 0.84
243 0.86 0.86 0.93 0.93 0.81 0.81 0.89 0.89 0.88 0.88
244 0.83 0.83 0.90 0.90 0.66 0.66 0.94 0.94 0.82 0.82
245 0.83 0.83 0.90 0.90 0.74 0.74 0.94 0.94 0.89 0.89
246 0.90 0.90 0.93 0.93 0.94 0.94 0.96 0.96 0.94 0.94
247 0.79 0.79 0.90 0.90 0.57 0.57 0.87 0.87 0.77 0.77
248 0.79 0.79 0.90 0.90 0.64 0.64 0.87 0.87 0.84 0.84
249 0.86 0.86 0.93 0.93 0.81 0.81 0.89 0.89 0.88 0.88
250 0.83 0.83 0.90 0.90 0.66 0.66 0.94 0.94 0.82 0.82
251 0.83 0.83 0.90 0.90 0.74 0.74 0.94 0.94 0.89 0.89
252 0.90 0.90 0.93 0.93 0.94 0.94 0.96 0.96 0.94 0.94
253 0.79 0.79 0.90 0.90 0.57 0.57 0.87 0.87 0.77 0.77
254 0.79 0.79 0.90 0.90 0.64 0.64 0.87 0.87 0.84 0.84
255 0.86 0.86 0.93 0.93 0.81 0.81 0.89 0.89 0.88 0.88
256 0.83 0.83 0.90 0.90 0.66 0.66 0.94 0.94 0.82 0.82
257 0.83 0.83 0.90 0.90 0.74 0.74 0.94 0.94 0.89 0.89
258 0.90 0.90 0.93 0.93 0.94 0.94 0.96 0.96 0.94 0.94
259 0.79 0.79 0.90 0.90 0.57 0.57 0.87 0.87 0.77 0.77
260 0.79 0.79 0.90 0.90 0.64 0.64 0.87 0.87 0.84 0.84
261 0.86 0.86 0.93 0.93 0.81 0.81 0.89 0.89 0.88 0.88
262 0.83 0.83 0.90 0.90 0.66 0.66 0.94 0.94 0.82 0.82
263 0.83 0.83 0.90 0.90 0.74 0.74 0.94 0.94 0.89 0.89
264 0.90 0.90 0.93 0.93 0.94 0.94 0.96 0.96 0.94 0.94
265 0.83 0.83 0.90 0.90 0.66 0.66 0.94 0.94 0.82 0.82
266 0.83 0.83 0.90 0.90 0.74 0.74 0.94 0.94 0.89 0.89
267 0.90 0.90 0.93 0.93 0.94 0.94 0.96 0.96 0.94 0.94
268 0.83 0.83 0.90 0.90 0.66 0.66 0.94 0.94 0.82 0.82
269 0.83 0.83 0.90 0.90 0.74 0.74 0.94 0.94 0.89 0.89
270 0.90 0.90 0.93 0.93 0.94 0.94 0.96 0.96 0.94 0.94
Attachment IV
Exhibit 1
Page 3

ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTO
DELAWARE
TIER FACTORS
Indicated Selected Indicated Selected Indicated Selected Indicated Selected Indicated Selected
Tier BI Factor BI Factor PD Factor PD Factor PIP Factor PIP Factor Coll Factor Coll Factor Comp Factor Comp Factor
271 0.81 0.81 0.91 0.91 0.58 0.58 0.89 0.89 0.79 0.79
272 0.81 0.81 0.91 0.91 0.66 0.66 0.89 0.89 0.87 0.87
273 0.88 0.88 0.94 0.94 0.83 0.83 0.91 0.91 0.91 0.91
274 0.85 0.85 0.91 0.91 0.68 0.68 0.96 0.96 0.84 0.84
275 0.85 0.85 0.91 0.91 0.77 0.77 0.96 0.96 0.92 0.92
276 0.92 0.92 0.94 0.94 0.97 0.97 0.98 0.98 0.97 0.97
277 0.81 0.81 0.91 0.91 0.58 0.58 0.89 0.89 0.79 0.79
278 0.81 0.81 0.91 0.91 0.66 0.66 0.89 0.89 0.87 0.87
279 0.88 0.88 0.94 0.94 0.83 0.83 0.91 0.91 0.91 0.91
280 0.85 0.85 0.91 0.91 0.68 0.68 0.96 0.96 0.84 0.84
281 0.85 0.85 0.91 0.91 0.77 0.77 0.96 0.96 0.92 0.92
282 0.92 0.92 0.94 0.94 0.97 0.97 0.98 0.98 0.97 0.97
283 0.81 0.81 0.91 0.91 0.58 0.58 0.89 0.89 0.79 0.79
284 0.81 0.81 0.91 0.91 0.66 0.66 0.89 0.89 0.87 0.87
285 0.88 0.88 0.94 0.94 0.83 0.83 0.91 0.91 0.91 0.91
286 0.85 0.85 0.91 0.91 0.68 0.68 0.96 0.96 0.84 0.84
287 0.85 0.85 0.91 0.91 0.77 0.77 0.96 0.96 0.92 0.92
288 0.92 0.92 0.94 0.94 0.97 0.97 0.98 0.98 0.97 0.97
289 0.81 0.81 0.91 0.91 0.58 0.58 0.89 0.89 0.79 0.79
290 0.81 0.81 0.91 0.91 0.66 0.66 0.89 0.89 0.87 0.87
291 0.88 0.88 0.94 0.94 0.83 0.83 0.91 0.91 0.91 0.91
292 0.85 0.85 0.91 0.91 0.68 0.68 0.96 0.96 0.84 0.84
293 0.85 0.85 0.91 0.91 0.77 0.77 0.96 0.96 0.92 0.92
294 0.92 0.92 0.94 0.94 0.97 0.97 0.98 0.98 0.97 0.97
295 0.85 0.85 0.91 0.91 0.68 0.68 0.96 0.96 0.84 0.84
296 0.85 0.85 0.91 0.91 0.77 0.77 0.96 0.96 0.92 0.92
297 0.92 0.92 0.94 0.94 0.97 0.97 0.98 0.98 0.97 0.97
298 0.85 0.85 0.91 0.91 0.68 0.68 0.96 0.96 0.84 0.84
299 0.85 0.85 0.91 0.91 0.77 0.77 0.96 0.96 0.92 0.92
300 0.92 0.92 0.94 0.94 0.97 0.97 0.98 0.98 0.97 0.97
301 0.83 0.83 0.93 0.93 0.60 0.60 0.91 0.91 0.82 0.82
302 0.83 0.83 0.93 0.93 0.68 0.68 0.91 0.91 0.89 0.89
303 0.90 0.90 0.96 0.96 0.86 0.86 0.93 0.93 0.94 0.94
304 0.86 0.86 0.93 0.93 0.70 0.70 0.98 0.98 0.87 0.87
305 0.86 0.86 0.93 0.93 0.79 0.79 0.98 0.98 0.95 0.95
306 0.94 0.94 0.96 0.96 1.00 1.00 1.00 1.00 1.00 1.00
307 0.83 0.83 0.93 0.93 0.60 0.60 0.91 0.91 0.82 0.82
308 0.83 0.83 0.93 0.93 0.68 0.68 0.91 0.91 0.89 0.89
309 0.90 0.90 0.96 0.96 0.86 0.86 0.93 0.93 0.94 0.94
310 0.86 0.86 0.93 0.93 0.70 0.70 0.98 0.98 0.87 0.87
311 0.86 0.86 0.93 0.93 0.79 0.79 0.98 0.98 0.95 0.95
312 0.94 0.94 0.96 0.96 1.00 1.00 1.00 1.00 1.00 1.00
313 0.83 0.83 0.93 0.93 0.60 0.60 0.91 0.91 0.82 0.82
314 0.83 0.83 0.93 0.93 0.68 0.68 0.91 0.91 0.89 0.89
315 0.90 0.90 0.96 0.96 0.86 0.86 0.93 0.93 0.94 0.94
316 0.86 0.86 0.93 0.93 0.70 0.70 0.98 0.98 0.87 0.87
317 0.86 0.86 0.93 0.93 0.79 0.79 0.98 0.98 0.95 0.95
318 0.94 0.94 0.96 0.96 1.00 1.00 1.00 1.00 1.00 1.00
319 0.83 0.83 0.93 0.93 0.60 0.60 0.91 0.91 0.82 0.82
320 0.83 0.83 0.93 0.93 0.68 0.68 0.91 0.91 0.89 0.89
321 0.90 0.90 0.96 0.96 0.86 0.86 0.93 0.93 0.94 0.94
322 0.86 0.86 0.93 0.93 0.70 0.70 0.98 0.98 0.87 0.87
323 0.86 0.86 0.93 0.93 0.79 0.79 0.98 0.98 0.95 0.95
324 0.94 0.94 0.96 0.96 1.00 1.00 1.00 1.00 1.00 1.00
325 0.86 0.86 0.93 0.93 0.70 0.70 0.98 0.98 0.87 0.87
326 0.86 0.86 0.93 0.93 0.79 0.79 0.98 0.98 0.95 0.95
327 0.94 0.94 0.96 0.96 1.00 1.00 1.00 1.00 1.00 1.00
328 0.86 0.86 0.93 0.93 0.70 0.70 0.98 0.98 0.87 0.87
329 0.86 0.86 0.93 0.93 0.79 0.79 0.98 0.98 0.95 0.95
330 0.94 0.94 0.96 0.96 1.00 1.00 1.00 1.00 1.00 1.00
331 0.85 0.85 0.94 0.94 0.62 0.62 0.93 0.93 0.84 0.84
332 0.85 0.85 0.94 0.94 0.70 0.70 0.93 0.93 0.92 0.92
333 0.92 0.92 0.97 0.97 0.89 0.89 0.95 0.95 0.97 0.97
334 0.88 0.88 0.94 0.94 0.72 0.72 1.00 1.00 0.90 0.90
335 0.88 0.88 0.94 0.94 0.81 0.81 1.00 1.00 0.98 0.98
336 0.96 0.96 0.97 0.97 1.03 1.03 1.02 1.02 1.03 1.03
337 0.85 0.85 0.94 0.94 0.62 0.62 0.93 0.93 0.84 0.84
338 0.85 0.85 0.94 0.94 0.70 0.70 0.93 0.93 0.92 0.92
339 0.92 0.92 0.97 0.97 0.89 0.89 0.95 0.95 0.97 0.97
340 0.88 0.88 0.94 0.94 0.72 0.72 1.00 1.00 0.90 0.90
341 0.88 0.88 0.94 0.94 0.81 0.81 1.00 1.00 0.98 0.98
342 0.96 0.96 0.97 0.97 1.03 1.03 1.02 1.02 1.03 1.03
343 0.85 0.85 0.94 0.94 0.62 0.62 0.93 0.93 0.84 0.84
344 0.85 0.85 0.94 0.94 0.70 0.70 0.93 0.93 0.92 0.92
345 0.92 0.92 0.97 0.97 0.89 0.89 0.95 0.95 0.97 0.97
346 0.88 0.88 0.94 0.94 0.72 0.72 1.00 1.00 0.90 0.90
347 0.88 0.88 0.94 0.94 0.81 0.81 1.00 1.00 0.98 0.98
348 0.96 0.96 0.97 0.97 1.03 1.03 1.02 1.02 1.03 1.03
349 0.85 0.85 0.94 0.94 0.62 0.62 0.93 0.93 0.84 0.84
350 0.85 0.85 0.94 0.94 0.70 0.70 0.93 0.93 0.92 0.92
351 0.92 0.92 0.97 0.97 0.89 0.89 0.95 0.95 0.97 0.97
352 0.88 0.88 0.94 0.94 0.72 0.72 1.00 1.00 0.90 0.90
353 0.88 0.88 0.94 0.94 0.81 0.81 1.00 1.00 0.98 0.98
354 0.96 0.96 0.97 0.97 1.03 1.03 1.02 1.02 1.03 1.03
355 0.88 0.88 0.94 0.94 0.72 0.72 1.00 1.00 0.90 0.90
356 0.88 0.88 0.94 0.94 0.81 0.81 1.00 1.00 0.98 0.98
357 0.96 0.96 0.97 0.97 1.03 1.03 1.02 1.02 1.03 1.03
358 0.88 0.88 0.94 0.94 0.72 0.72 1.00 1.00 0.90 0.90
359 0.88 0.88 0.94 0.94 0.81 0.81 1.00 1.00 0.98 0.98
360 0.96 0.96 0.97 0.97 1.03 1.03 1.02 1.02 1.03 1.03
Attachment IV
Exhibit 1
Page 4

ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTO
DELAWARE
TIER FACTORS
Indicated Selected Indicated Selected Indicated Selected Indicated Selected Indicated Selected
Tier BI Factor BI Factor PD Factor PD Factor PIP Factor PIP Factor Coll Factor Coll Factor Comp Factor Comp Factor
361 0.87 0.87 0.96 0.96 0.64 0.64 0.95 0.95 0.88 0.88
362 0.87 0.87 0.96 0.96 0.73 0.73 0.95 0.95 0.96 0.96
363 0.94 0.94 0.99 0.99 0.92 0.92 0.97 0.97 1.01 1.01
364 0.90 0.90 0.96 0.96 0.75 0.75 1.02 1.02 0.93 0.93
365 0.90 0.90 0.96 0.96 0.85 0.85 1.02 1.02 1.02 1.02
366 0.98 0.98 0.99 0.99 1.07 1.07 1.04 1.04 1.07 1.07
367 0.87 0.87 0.96 0.96 0.64 0.64 0.95 0.95 0.88 0.88
368 0.87 0.87 0.96 0.96 0.73 0.73 0.95 0.95 0.96 0.96
369 0.94 0.94 0.99 0.99 0.92 0.92 0.97 0.97 1.01 1.01
370 0.90 0.90 0.96 0.96 0.75 0.75 1.02 1.02 0.93 0.93
371 0.90 0.90 0.96 0.96 0.85 0.85 1.02 1.02 1.02 1.02
372 0.98 0.98 0.99 0.99 1.07 1.07 1.04 1.04 1.07 1.07
373 0.87 0.87 0.96 0.96 0.64 0.64 0.95 0.95 0.88 0.88
374 0.87 0.87 0.96 0.96 0.73 0.73 0.95 0.95 0.96 0.96
375 0.94 0.94 0.99 0.99 0.92 0.92 0.97 0.97 1.01 1.01
376 0.90 0.90 0.96 0.96 0.75 0.75 1.02 1.02 0.93 0.93
377 0.90 0.90 0.96 0.96 0.85 0.85 1.02 1.02 1.02 1.02
378 0.98 0.98 0.99 0.99 1.07 1.07 1.04 1.04 1.07 1.07
379 0.87 0.87 0.96 0.96 0.64 0.64 0.95 0.95 0.88 0.88
380 0.87 0.87 0.96 0.96 0.73 0.73 0.95 0.95 0.96 0.96
381 0.94 0.94 0.99 0.99 0.92 0.92 0.97 0.97 1.01 1.01
382 0.90 0.90 0.96 0.96 0.75 0.75 1.02 1.02 0.93 0.93
383 0.90 0.90 0.96 0.96 0.85 0.85 1.02 1.02 1.02 1.02
384 0.98 0.98 0.99 0.99 1.07 1.07 1.04 1.04 1.07 1.07
385 0.90 0.90 0.96 0.96 0.75 0.75 1.02 1.02 0.93 0.93
386 0.90 0.90 0.96 0.96 0.85 0.85 1.02 1.02 1.02 1.02
387 0.98 0.98 0.99 0.99 1.07 1.07 1.04 1.04 1.07 1.07
388 0.90 0.90 0.96 0.96 0.75 0.75 1.02 1.02 0.93 0.93
389 0.90 0.90 0.96 0.96 0.85 0.85 1.02 1.02 1.02 1.02
390 0.98 0.98 0.99 0.99 1.07 1.07 1.04 1.04 1.07 1.07
391 0.88 0.88 0.97 0.97 0.66 0.66 0.97 0.97 0.90 0.90
392 0.88 0.88 0.97 0.97 0.75 0.75 0.97 0.97 0.98 0.98
393 0.96 0.96 1.00 1.00 0.95 0.95 0.99 0.99 1.03 1.03
394 0.92 0.92 0.97 0.97 0.77 0.77 1.04 1.04 0.96 0.96
395 0.92 0.92 0.97 0.97 0.87 0.87 1.04 1.04 1.05 1.05
396 1.00 1.00 1.00 1.00 1.10 1.10 1.06 1.06 1.10 1.10
397 0.88 0.88 0.97 0.97 0.66 0.66 0.97 0.97 0.90 0.90
398 0.88 0.88 0.97 0.97 0.75 0.75 0.97 0.97 0.98 0.98
399 0.96 0.96 1.00 1.00 0.95 0.95 0.99 0.99 1.03 1.03
400 0.92 0.92 0.97 0.97 0.77 0.77 1.04 1.04 0.96 0.96
401 0.92 0.92 0.97 0.97 0.87 0.87 1.04 1.04 1.05 1.05
402 1.00 1.00 1.00 1.00 1.10 1.10 1.06 1.06 1.10 1.10
403 0.88 0.88 0.97 0.97 0.66 0.66 0.97 0.97 0.90 0.90
404 0.88 0.88 0.97 0.97 0.75 0.75 0.97 0.97 0.98 0.98
405 0.96 0.96 1.00 1.00 0.95 0.95 0.99 0.99 1.03 1.03
406 0.92 0.92 0.97 0.97 0.77 0.77 1.04 1.04 0.96 0.96
407 0.92 0.92 0.97 0.97 0.87 0.87 1.04 1.04 1.05 1.05
408 1.00 1.00 1.00 1.00 1.10 1.10 1.06 1.06 1.10 1.10
409 0.88 0.88 0.97 0.97 0.66 0.66 0.97 0.97 0.90 0.90
410 0.88 0.88 0.97 0.97 0.75 0.75 0.97 0.97 0.98 0.98
411 0.96 0.96 1.00 1.00 0.95 0.95 0.99 0.99 1.03 1.03
412 0.92 0.92 0.97 0.97 0.77 0.77 1.04 1.04 0.96 0.96
413 0.92 0.92 0.97 0.97 0.87 0.87 1.04 1.04 1.05 1.05
414 1.00 1.00 1.00 1.00 1.10 1.10 1.06 1.06 1.10 1.10
415 0.92 0.92 0.97 0.97 0.77 0.77 1.04 1.04 0.96 0.96
416 0.92 0.92 0.97 0.97 0.87 0.87 1.04 1.04 1.05 1.05
417 1.00 1.00 1.00 1.00 1.10 1.10 1.06 1.06 1.10 1.10
418 0.92 0.92 0.97 0.97 0.77 0.77 1.04 1.04 0.96 0.96
419 0.92 0.92 0.97 0.97 0.87 0.87 1.04 1.04 1.05 1.05
420 1.00 1.00 1.00 1.00 1.10 1.10 1.06 1.06 1.10 1.10
421 0.90 0.90 0.99 0.99 0.69 0.69 0.98 0.98 0.93 0.93
422 0.90 0.90 0.99 0.99 0.77 0.77 0.98 0.98 1.02 1.02
423 0.98 0.98 1.02 1.02 0.98 0.98 1.00 1.00 1.07 1.07
424 0.94 0.94 0.99 0.99 0.80 0.80 1.06 1.06 0.99 0.99
425 0.94 0.94 0.99 0.99 0.90 0.90 1.06 1.06 1.08 1.08
426 1.02 1.02 1.02 1.02 1.14 1.14 1.08 1.08 1.14 1.14
427 0.90 0.90 0.99 0.99 0.69 0.69 0.98 0.98 0.93 0.93
428 0.90 0.90 0.99 0.99 0.77 0.77 0.98 0.98 1.02 1.02
429 0.98 0.98 1.02 1.02 0.98 0.98 1.00 1.00 1.07 1.07
430 0.94 0.94 0.99 0.99 0.80 0.80 1.06 1.06 0.99 0.99
431 0.94 0.94 0.99 0.99 0.90 0.90 1.06 1.06 1.08 1.08
432 1.02 1.02 1.02 1.02 1.14 1.14 1.08 1.08 1.14 1.14
433 0.90 0.90 0.99 0.99 0.69 0.69 0.98 0.98 0.93 0.93
434 0.90 0.90 0.99 0.99 0.77 0.77 0.98 0.98 1.02 1.02
435 0.98 0.98 1.02 1.02 0.98 0.98 1.00 1.00 1.07 1.07
436 0.94 0.94 0.99 0.99 0.80 0.80 1.06 1.06 0.99 0.99
437 0.94 0.94 0.99 0.99 0.90 0.90 1.06 1.06 1.08 1.08
438 1.02 1.02 1.02 1.02 1.14 1.14 1.08 1.08 1.14 1.14
439 0.90 0.90 0.99 0.99 0.69 0.69 0.98 0.98 0.93 0.93
440 0.90 0.90 0.99 0.99 0.77 0.77 0.98 0.98 1.02 1.02
441 0.98 0.98 1.02 1.02 0.98 0.98 1.00 1.00 1.07 1.07
442 0.94 0.94 0.99 0.99 0.80 0.80 1.06 1.06 0.99 0.99
443 0.94 0.94 0.99 0.99 0.90 0.90 1.06 1.06 1.08 1.08
444 1.02 1.02 1.02 1.02 1.14 1.14 1.08 1.08 1.14 1.14
445 0.94 0.94 0.99 0.99 0.80 0.80 1.06 1.06 0.99 0.99
446 0.94 0.94 0.99 0.99 0.90 0.90 1.06 1.06 1.08 1.08
447 1.02 1.02 1.02 1.02 1.14 1.14 1.08 1.08 1.14 1.14
448 0.94 0.94 0.99 0.99 0.80 0.80 1.06 1.06 0.99 0.99
449 0.94 0.94 0.99 0.99 0.90 0.90 1.06 1.06 1.08 1.08
450 1.02 1.02 1.02 1.02 1.14 1.14 1.08 1.08 1.14 1.14
Attachment IV
Exhibit 1
Page 5

ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTO
DELAWARE
TIER FACTORS
Indicated Selected Indicated Selected Indicated Selected Indicated Selected Indicated Selected
Tier BI Factor BI Factor PD Factor PD Factor PIP Factor PIP Factor Coll Factor Coll Factor Comp Factor Comp Factor
451 0.92 0.92 1.00 1.00 0.71 0.71 1.00 1.00 0.97 0.97
452 0.92 0.92 1.00 1.00 0.80 0.80 1.00 1.00 1.05 1.05
453 1.00 1.00 1.03 1.03 1.01 1.01 1.02 1.02 1.11 1.11
454 0.96 0.96 1.00 1.00 0.83 0.83 1.08 1.08 1.03 1.03
455 0.96 0.96 1.00 1.00 0.93 0.93 1.08 1.08 1.12 1.12
456 1.04 1.04 1.03 1.03 1.18 1.18 1.10 1.10 1.18 1.18
457 0.92 0.92 1.00 1.00 0.71 0.71 1.00 1.00 0.97 0.97
458 0.92 0.92 1.00 1.00 0.80 0.80 1.00 1.00 1.05 1.05
459 1.00 1.00 1.03 1.03 1.01 1.01 1.02 1.02 1.11 1.11
460 0.96 0.96 1.00 1.00 0.83 0.83 1.08 1.08 1.03 1.03
461 0.96 0.96 1.00 1.00 0.93 0.93 1.08 1.08 1.12 1.12
462 1.04 1.04 1.03 1.03 1.18 1.18 1.10 1.10 1.18 1.18
463 0.92 0.92 1.00 1.00 0.71 0.71 1.00 1.00 0.97 0.97
464 0.92 0.92 1.00 1.00 0.80 0.80 1.00 1.00 1.05 1.05
465 1.00 1.00 1.03 1.03 1.01 1.01 1.02 1.02 1.11 1.11
466 0.96 0.96 1.00 1.00 0.83 0.83 1.08 1.08 1.03 1.03
467 0.96 0.96 1.00 1.00 0.93 0.93 1.08 1.08 1.12 1.12
468 1.04 1.04 1.03 1.03 1.18 1.18 1.10 1.10 1.18 1.18
469 0.92 0.92 1.00 1.00 0.71 0.71 1.00 1.00 0.97 0.97
470 0.92 0.92 1.00 1.00 0.80 0.80 1.00 1.00 1.05 1.05
471 1.00 1.00 1.03 1.03 1.01 1.01 1.02 1.02 1.11 1.11
472 0.96 0.96 1.00 1.00 0.83 0.83 1.08 1.08 1.03 1.03
473 0.96 0.96 1.00 1.00 0.93 0.93 1.08 1.08 1.12 1.12
474 1.04 1.04 1.03 1.03 1.18 1.18 1.10 1.10 1.18 1.18
475 0.96 0.96 1.00 1.00 0.83 0.83 1.08 1.08 1.03 1.03
476 0.96 0.96 1.00 1.00 0.93 0.93 1.08 1.08 1.12 1.12
477 1.04 1.04 1.03 1.03 1.18 1.18 1.10 1.10 1.18 1.18
478 0.96 0.96 1.00 1.00 0.83 0.83 1.08 1.08 1.03 1.03
479 0.96 0.96 1.00 1.00 0.93 0.93 1.08 1.08 1.12 1.12
480 1.04 1.04 1.03 1.03 1.18 1.18 1.10 1.10 1.18 1.18
Attachment IV
Exhibit 1
Page 6

ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTO
DELAWARE
CLASS FACTORS
Indicated Selected Indicated Selected Indicated Selected Indicated Selected Indicated Selected
Classification Mileage Use BI Factor BI Factor PD Factor PD Factor PIP Factor PIP Factor Coll Factor Coll Factor Comp Factor Comp Factor
14-16 Male Single Basic All All 2.00 2.00 2.18 2.18 0.95 0.95 1.76 1.77 1.32 1.32
17 Male Single Basic 1.79 1.79 1.80 1.80 0.95 0.95 1.76 1.77 1.32 1.32
18 Male Single Basic 1.79 1.79 1.58 1.58 0.95 0.95 1.76 1.77 1.32 1.32
19 Male Single Basic 1.39 1.39 1.34 1.34 0.95 0.95 1.76 1.77 1.32 1.32
20 Male Single Basic 1.16 1.16 1.20 1.20 0.95 0.95 1.53 1.53 1.32 1.32
21 Male Single Basic 1.16 1.16 1.10 1.10 0.95 0.95 1.53 1.53 1.32 1.32
22 Male Single Basic 1.09 1.09 1.10 1.10 0.95 0.95 1.29 1.29 1.04 1.04
23 Male Single Basic 1.09 1.09 1.10 1.10 0.95 0.95 1.29 1.29 1.04 1.04
24 Male Single Basic 1.09 1.09 1.10 1.10 0.95 0.95 1.29 1.29 1.04 1.04
14-16 Male Single Restricted All All 1.90 1.90 2.07 2.07 0.95 0.95 1.68 1.68 1.13 1.13
17 Male Single Restricted 1.70 1.70 1.71 1.71 0.95 0.95 1.68 1.68 1.13 1.13
18 Male Single Restricted 1.70 1.70 1.50 1.50 0.95 0.95 1.68 1.68 1.13 1.13
19 Male Single Restricted 1.32 1.32 1.27 1.27 0.95 0.95 1.68 1.68 1.13 1.13
20 Male Single Restricted 1.10 1.10 1.14 1.14 0.95 0.95 1.46 1.46 1.13 1.13
21 Male Single Restricted 1.10 1.10 1.04 1.04 0.95 0.95 1.46 1.46 1.13 1.13
22 Male Single Restricted 1.04 1.04 1.04 1.04 0.95 0.95 1.23 1.24 0.89 0.89
23 Male Single Restricted 1.04 1.04 1.04 1.04 0.95 0.95 1.23 1.24 0.89 0.89
24 Male Single Restricted 1.04 1.04 1.04 1.04 0.95 0.95 1.23 1.24 0.89 0.89
25-29 Male Single Short Pleasure 1.00 1.00 1.04 1.04 1.00 1.00 1.23 1.24 1.21 1.21
Work 0-3 1.00 1.00 1.04 1.04 1.00 1.00 1.23 1.24 1.21 1.21
Work 3.1-9.9 1.00 1.00 1.04 1.04 1.00 1.00 1.23 1.24 1.21 1.21
Work 10-20 1.00 1.00 1.04 1.04 1.00 1.00 1.23 1.24 1.21 1.21
Work 20+ 1.00 1.00 1.04 1.04 1.00 1.00 1.23 1.24 1.21 1.21
Business 1.34 1.34 1.21 1.21 1.00 1.00 1.23 1.24 1.21 1.21
Long Pleasure 1.00 1.00 1.04 1.04 1.00 1.00 1.23 1.24 1.21 1.21
Work 0-3 1.00 1.00 1.04 1.04 1.00 1.00 1.23 1.24 1.21 1.21
Work 3.1-9.9 1.00 1.00 1.04 1.04 1.00 1.00 1.23 1.24 1.21 1.21
Work 10-20 1.00 1.00 1.04 1.04 1.00 1.00 1.23 1.24 1.21 1.21
Work 20+ 1.00 1.00 1.04 1.04 1.00 1.00 1.23 1.24 1.21 1.21
Business 1.34 1.34 1.21 1.21 1.00 1.00 1.23 1.24 1.21 1.21
30-49 Male Single Short Pleasure 1.00 1.00 1.00 1.00 1.00 1.00 1.03 1.03 1.08 1.08
Work 0-3 1.00 1.00 1.00 1.00 1.00 1.00 1.03 1.03 1.08 1.08
Work 3.1-9.9 1.00 1.00 1.00 1.00 1.00 1.00 1.03 1.03 1.08 1.08
Work 10-20 1.00 1.00 1.00 1.00 1.00 1.00 1.03 1.03 1.08 1.08
Work 20+ 1.00 1.00 1.00 1.00 1.00 1.00 1.03 1.03 1.08 1.08
Business 1.34 1.34 1.16 1.16 1.00 1.00 1.03 1.03 1.08 1.08
Long Pleasure 1.00 1.00 1.00 1.00 1.00 1.00 1.03 1.03 1.08 1.08
Work 0-3 1.00 1.00 1.00 1.00 1.00 1.00 1.03 1.03 1.08 1.08
Work 3.1-9.9 1.00 1.00 1.00 1.00 1.00 1.00 1.03 1.03 1.08 1.08
Work 10-20 1.00 1.00 1.00 1.00 1.00 1.00 1.03 1.03 1.08 1.08
Work 20+ 1.00 1.00 1.00 1.00 1.00 1.00 1.03 1.03 1.08 1.08
Business 1.34 1.34 1.16 1.16 1.00 1.00 1.03 1.03 1.08 1.08
14-16 Male Married All All 1.83 1.83 2.07 2.07 0.89 0.89 1.68 1.68 1.16 1.16
17 Male Married 1.64 1.64 1.71 1.71 0.89 0.89 1.68 1.68 1.16 1.16
18 Male Married 1.64 1.64 1.50 1.50 0.89 0.89 1.68 1.68 1.16 1.16
19 Male Married 1.27 1.27 1.27 1.27 0.89 0.89 1.68 1.68 1.16 1.16
20 Male Married 1.06 1.06 1.14 1.14 0.89 0.89 1.46 1.46 1.16 1.16
21 Male Married 1.06 1.06 1.02 1.02 0.89 0.89 1.46 1.46 1.16 1.16
22 Male Married 1.00 1.00 1.02 1.02 0.89 0.89 1.05 1.05 1.12 1.12
23 Male Married 1.00 1.00 1.02 1.02 0.89 0.89 1.05 1.05 1.12 1.12
24 Male Married 1.00 1.00 1.02 1.02 0.89 0.89 1.05 1.05 1.12 1.12
25-29 Male Married Short Pleasure 1.00 1.00 0.93 0.93 1.00 1.00 0.99 0.99 1.12 1.12
Work 0-3 1.00 1.00 0.93 0.93 1.00 1.00 0.99 0.99 1.12 1.12
Work 3.1-9.9 1.00 1.00 0.93 0.93 1.00 1.00 0.99 0.99 1.12 1.12
Work 10-20 1.00 1.00 0.93 0.93 1.00 1.00 0.99 0.99 1.12 1.12
Work 20+ 1.00 1.00 0.93 0.93 1.00 1.00 0.99 0.99 1.12 1.12
Business 1.34 1.34 1.07 1.07 1.00 1.00 0.99 0.99 1.12 1.12
Long Pleasure 1.00 1.00 0.93 0.93 1.00 1.00 0.99 0.99 1.12 1.12
Work 0-3 1.00 1.00 0.93 0.93 1.00 1.00 0.99 0.99 1.12 1.12
Work 3.1-9.9 1.00 1.00 0.93 0.93 1.00 1.00 0.99 0.99 1.12 1.12
Work 10-20 1.00 1.00 0.93 0.93 1.00 1.00 0.99 0.99 1.12 1.12
Work 20+ 1.00 1.00 0.93 0.93 1.00 1.00 0.99 0.99 1.12 1.12
Business 1.34 1.34 1.07 1.07 1.00 1.00 0.99 0.99 1.12 1.12
30-49 Male Married Short Pleasure 1.04 1.00 0.93 0.93 1.00 1.00 0.91 0.91 0.90 0.90
Work 0-3 1.04 1.00 0.93 0.93 1.00 1.00 0.91 0.91 0.90 0.90
Work 3.1-9.9 1.04 1.00 0.93 0.93 1.00 1.00 0.91 0.91 0.90 0.90
Work 10-20 1.04 1.00 0.93 0.93 1.00 1.00 0.91 0.91 0.90 0.90
Work 20+ 1.04 1.00 0.93 0.93 1.00 1.00 0.91 0.91 0.90 0.90
Business 1.40 1.34 1.08 1.08 1.00 1.00 0.91 0.91 0.90 0.90
Long Pleasure 1.04 1.00 0.93 0.93 1.00 1.00 0.91 0.91 0.90 0.90
Work 0-3 1.04 1.00 0.93 0.93 1.00 1.00 0.91 0.91 0.90 0.90
Work 3.1-9.9 1.04 1.00 0.93 0.93 1.00 1.00 0.91 0.91 0.90 0.90
Work 10-20 1.04 1.00 0.93 0.93 1.00 1.00 0.91 0.91 0.90 0.90
Work 20+ 1.04 1.00 0.93 0.93 1.00 1.00 0.91 0.91 0.90 0.90
Business 1.40 1.34 1.08 1.08 1.00 1.00 0.91 0.91 0.90 0.90
14-16 Female Single Basic All All 1.84 1.84 1.84 1.84 1.23 1.23 1.43 1.43 1.02 1.02
17 Female Single Basic 1.43 1.43 1.49 1.49 1.23 1.23 1.43 1.43 1.02 1.02
18 Female Single Basic 1.43 1.43 1.40 1.40 1.23 1.23 1.43 1.43 1.02 1.02
19 Female Single Basic 1.39 1.39 1.24 1.24 1.23 1.23 1.43 1.43 1.02 1.02
20 Female Single Basic 1.16 1.16 1.10 1.10 1.23 1.23 1.22 1.22 1.02 1.02
21 Female Single Basic 1.16 1.16 1.10 1.10 1.23 1.23 1.22 1.22 1.02 1.02
22 Female Single Basic 1.09 1.09 1.10 1.10 1.23 1.23 1.19 1.19 0.91 0.91
23 Female Single Basic 1.09 1.09 1.10 1.10 1.23 1.23 1.19 1.19 0.91 0.91
24 Female Single Basic 1.09 1.09 1.10 1.10 1.23 1.23 1.19 1.19 0.91 0.91
Attachment IV
Exhibit 2
Page 1

ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTO
DELAWARE
CLASS FACTORS
Indicated Selected Indicated Selected Indicated Selected Indicated Selected Indicated Selected
Classification Mileage Use BI Factor BI Factor PD Factor PD Factor PIP Factor PIP Factor Coll Factor Coll Factor Comp Factor Comp Factor
14-16 Female Single Restricted All All 1.75 1.75 1.75 1.75 1.23 1.23 1.36 1.36 0.87 0.87
17 Female Single Restricted 1.36 1.36 1.41 1.41 1.23 1.23 1.36 1.36 0.87 0.87
18 Female Single Restricted 1.36 1.36 1.33 1.33 1.23 1.23 1.36 1.36 0.87 0.87
19 Female Single Restricted 1.32 1.32 1.17 1.17 1.23 1.23 1.36 1.36 0.87 0.87
20 Female Single Restricted 1.10 1.10 1.04 1.04 1.23 1.23 1.16 1.16 0.87 0.87
21 Female Single Restricted 1.10 1.10 1.04 1.04 1.23 1.23 1.16 1.16 0.87 0.87
22 Female Single Restricted 1.04 1.04 1.04 1.04 1.23 1.23 1.14 1.14 0.78 0.78
23 Female Single Restricted 1.04 1.04 1.04 1.04 1.23 1.23 1.14 1.14 0.78 0.78
24 Female Single Restricted 1.04 1.04 1.04 1.04 1.23 1.23 1.14 1.14 0.78 0.78
25-29 Female Single Short Pleasure 1.00 1.00 1.04 1.04 1.07 1.07 1.14 1.14 1.06 1.06
Work 0-3 1.00 1.00 1.04 1.04 1.07 1.07 1.14 1.14 1.06 1.06
Work 3.1-9.9 1.00 1.00 1.04 1.04 1.07 1.07 1.14 1.14 1.06 1.06
Work 10-20 1.00 1.00 1.04 1.04 1.07 1.07 1.14 1.14 1.06 1.06
Work 20+ 1.00 1.00 1.04 1.04 1.07 1.07 1.14 1.14 1.06 1.06
Business 1.34 1.34 1.21 1.21 1.07 1.07 1.14 1.14 1.06 1.06
Long Pleasure 1.00 1.00 1.04 1.04 1.07 1.07 1.14 1.14 1.06 1.06
Work 0-3 1.00 1.00 1.04 1.04 1.07 1.07 1.14 1.14 1.06 1.06
Work 3.1-9.9 1.00 1.00 1.04 1.04 1.07 1.07 1.14 1.14 1.06 1.06
Work 10-20 1.00 1.00 1.04 1.04 1.07 1.07 1.14 1.14 1.06 1.06
Work 20+ 1.00 1.00 1.04 1.04 1.07 1.07 1.14 1.14 1.06 1.06
Business 1.34 1.34 1.21 1.21 1.07 1.07 1.14 1.14 1.06 1.06
30-49 Female Single Short Pleasure 1.00 1.00 1.00 1.00 1.07 1.07 1.00 1.00 1.00 1.00
Work 0-3 1.00 1.00 1.00 1.00 1.07 1.07 1.00 1.00 1.00 1.00
Work 3.1-9.9 1.00 1.00 1.00 1.00 1.07 1.07 1.00 1.00 1.00 1.00
Work 10-20 1.00 1.00 1.00 1.00 1.07 1.07 1.00 1.00 1.00 1.00
Work 20+ 1.00 1.00 1.00 1.00 1.07 1.07 1.00 1.00 1.00 1.00
Business 1.34 1.34 1.16 1.16 1.07 1.07 1.00 1.00 1.00 1.00
Long Pleasure 1.00 1.00 1.00 1.00 1.07 1.07 1.00 1.00 1.00 1.00
Work 0-3 1.00 1.00 1.00 1.00 1.07 1.07 1.00 1.00 1.00 1.00
Work 3.1-9.9 1.00 1.00 1.00 1.00 1.07 1.07 1.00 1.00 1.00 1.00
Work 10-20 1.00 1.00 1.00 1.00 1.07 1.07 1.00 1.00 1.00 1.00
Work 20+ 1.00 1.00 1.00 1.00 1.07 1.07 1.00 1.00 1.00 1.00
Business 1.34 1.34 1.16 1.16 1.07 1.07 1.00 1.00 1.00 1.00
14-16 Female Married All All 1.68 1.68 1.75 1.75 1.15 1.15 1.36 1.36 1.10 1.10
17 Female Married 1.31 1.31 1.41 1.41 1.15 1.15 1.36 1.36 1.10 1.10
18 Female Married 1.31 1.31 1.33 1.33 1.15 1.15 1.36 1.36 1.10 1.10
19 Female Married 1.27 1.27 1.17 1.17 1.15 1.15 1.36 1.36 1.10 1.10
20 Female Married 1.06 1.06 1.01 1.01 1.15 1.15 1.08 1.08 1.10 1.10
21 Female Married 1.06 1.06 1.01 1.01 1.15 1.15 1.08 1.08 1.10 1.10
22 Female Married 0.89 0.89 1.01 1.01 1.15 1.15 1.05 1.05 0.99 0.99
23 Female Married 0.89 0.89 1.01 1.01 1.15 1.15 1.05 1.05 0.99 0.99
24 Female Married 0.89 0.89 1.01 1.01 1.15 1.15 1.05 1.05 0.99 0.99
25-29 Female Married Short Pleasure 0.89 0.89 1.01 1.01 1.07 1.07 0.99 0.99 0.99 0.99
Work 0-3 0.89 0.89 1.01 1.01 1.07 1.07 0.99 0.99 0.99 0.99
Work 3.1-9.9 0.89 0.89 1.01 1.01 1.07 1.07 0.99 0.99 0.99 0.99
Work 10-20 0.89 0.89 1.01 1.01 1.07 1.07 0.99 0.99 0.99 0.99
Work 20+ 0.89 0.89 1.01 1.01 1.07 1.07 0.99 0.99 0.99 0.99
Business 1.19 1.19 1.17 1.17 1.07 1.07 0.99 0.99 0.99 0.99
Long Pleasure 0.89 0.89 1.01 1.01 1.07 1.07 0.99 0.99 0.99 0.99
Work 0-3 0.89 0.89 1.01 1.01 1.07 1.07 0.99 0.99 0.99 0.99
Work 3.1-9.9 0.89 0.89 1.01 1.01 1.07 1.07 0.99 0.99 0.99 0.99
Work 10-20 0.89 0.89 1.01 1.01 1.07 1.07 0.99 0.99 0.99 0.99
Work 20+ 0.89 0.89 1.01 1.01 1.07 1.07 0.99 0.99 0.99 0.99
Business 1.19 1.19 1.17 1.17 1.07 1.07 0.99 0.99 0.99 0.99
30-49 Female Married Short Pleasure 1.09 1.00 0.98 0.98 1.07 1.07 0.96 0.96 0.90 0.90
Work 0-3 1.09 1.00 0.98 0.98 1.07 1.07 0.96 0.96 0.90 0.90
Work 3.1-9.9 1.09 1.00 0.98 0.98 1.07 1.07 0.96 0.96 0.90 0.90
Work 10-20 1.09 1.00 0.98 0.98 1.07 1.07 0.96 0.96 0.90 0.90
Work 20+ 1.09 1.00 0.98 0.98 1.07 1.07 0.96 0.96 0.90 0.90
Business 1.46 1.34 1.14 1.14 1.07 1.07 0.96 0.96 0.90 0.90
Long Pleasure 1.09 1.00 0.98 0.98 1.07 1.07 0.96 0.96 0.90 0.90
Work 0-3 1.09 1.00 0.98 0.98 1.07 1.07 0.96 0.96 0.90 0.90
Work 3.1-9.9 1.09 1.00 0.98 0.98 1.07 1.07 0.96 0.96 0.90 0.90
Work 10-20 1.09 1.00 0.98 0.98 1.07 1.07 0.96 0.96 0.90 0.90
Work 20+ 1.09 1.00 0.98 0.98 1.07 1.07 0.96 0.96 0.90 0.90
Business 1.46 1.34 1.14 1.14 1.07 1.07 0.96 0.96 0.90 0.90
50-54 Single Short Pleasure 1.04 1.03 0.95 0.95 0.86 0.86 0.95 0.95 0.87 0.87
Work 0-3 1.04 1.03 0.95 0.95 0.86 0.86 0.95 0.95 0.87 0.87
Work 3.1-9.9 1.04 1.03 0.95 0.95 0.86 0.86 0.95 0.95 0.87 0.87
Work 10-20 1.04 1.03 0.95 0.95 0.86 0.86 0.95 0.95 0.87 0.87
Work 20+ 1.04 1.03 0.95 0.95 0.86 0.86 0.95 0.95 0.87 0.87
Business 1.40 1.38 1.10 1.10 0.86 0.86 0.95 0.95 0.87 0.87
Long Pleasure 1.04 1.03 0.95 0.95 0.86 0.86 0.95 0.95 0.87 0.87
Work 0-3 1.04 1.03 0.95 0.95 0.86 0.86 0.95 0.95 0.87 0.87
Work 3.1-9.9 1.04 1.03 0.95 0.95 0.86 0.86 0.95 0.95 0.87 0.87
Work 10-20 1.04 1.03 0.95 0.95 0.86 0.86 0.95 0.95 0.87 0.87
Work 20+ 1.04 1.03 0.95 0.95 0.86 0.86 0.95 0.95 0.87 0.87
Business 1.40 1.38 1.10 1.10 0.86 0.86 0.95 0.95 0.87 0.87
55-59 Single Short Pleasure 1.03 1.03 0.92 0.95 0.85 0.85 0.92 0.92 0.87 0.87
Work 0-3 1.03 1.03 0.92 0.95 0.85 0.85 0.92 0.92 0.87 0.87
Work 3.1-9.9 1.03 1.03 0.92 0.95 0.85 0.85 0.92 0.92 0.87 0.87
Work 10-20 1.03 1.03 0.92 0.95 0.85 0.85 0.92 0.92 0.87 0.87
Work 20+ 1.03 1.03 0.92 0.95 0.85 0.85 0.92 0.92 0.87 0.87
Business 1.38 1.38 1.07 1.10 0.85 0.85 0.92 0.92 0.87 0.87
Long Pleasure 1.03 1.03 0.92 0.95 0.85 0.85 0.92 0.92 0.87 0.87
Work 0-3 1.03 1.03 0.92 0.95 0.85 0.85 0.92 0.92 0.87 0.87
Work 3.1-9.9 1.03 1.03 0.92 0.95 0.85 0.85 0.92 0.92 0.87 0.87
Work 10-20 1.03 1.03 0.92 0.95 0.85 0.85 0.92 0.92 0.87 0.87
Work 20+ 1.03 1.03 0.92 0.95 0.85 0.85 0.92 0.92 0.87 0.87
Business 1.38 1.38 1.07 1.10 0.85 0.85 0.92 0.92 0.87 0.87
Attachment IV
Exhibit 2
Page 2

ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTO
DELAWARE
CLASS FACTORS
Indicated Selected Indicated Selected Indicated Selected Indicated Selected Indicated Selected
Classification Mileage Use BI Factor BI Factor PD Factor PD Factor PIP Factor PIP Factor Coll Factor Coll Factor Comp Factor Comp Factor
60-64 Single Short Pleasure 1.03 1.03 0.94 0.94 0.85 0.85 0.91 0.91 0.76 0.76
Work 0-3 1.03 1.03 0.94 0.94 0.85 0.85 0.91 0.91 0.76 0.76
Work 3.1-9.9 1.03 1.03 0.94 0.94 0.85 0.85 0.91 0.91 0.76 0.76
Work 10-20 1.03 1.03 0.94 0.94 0.85 0.85 0.91 0.91 0.76 0.76
Work 20+ 1.03 1.03 0.94 0.94 0.85 0.85 0.91 0.91 0.76 0.76
Business 1.38 1.38 1.10 1.10 0.85 0.85 0.91 0.91 0.76 0.76
Long Pleasure 1.03 1.03 0.94 0.94 0.85 0.85 0.91 0.91 0.76 0.76
Work 0-3 1.03 1.03 0.94 0.94 0.85 0.85 0.91 0.91 0.76 0.76
Work 3.1-9.9 1.03 1.03 0.94 0.94 0.85 0.85 0.91 0.91 0.76 0.76
Work 10-20 1.03 1.03 0.94 0.94 0.85 0.85 0.91 0.91 0.76 0.76
Work 20+ 1.03 1.03 0.94 0.94 0.85 0.85 0.91 0.91 0.76 0.76
Business 1.38 1.38 1.10 1.10 0.85 0.85 0.91 0.91 0.76 0.76
65-70 Single Short All 1.08 1.08 1.03 1.03 0.83 0.83 0.97 0.97 0.76 0.76
71-75 Single 1.18 1.18 1.16 1.16 0.83 0.83 0.98 0.98 0.76 0.76
76-80 Single 1.22 1.22 1.29 1.29 0.72 0.72 1.13 1.13 0.76 0.76
81-85 Single 1.16 1.23 1.51 1.51 0.72 0.72 1.23 1.23 0.76 0.76
86+ Single 1.16 1.23 1.57 1.57 0.72 0.72 1.25 1.25 0.76 0.76
65-70 Single Long All 1.08 1.08 1.03 1.03 0.83 0.83 0.97 0.97 0.76 0.76
71-75 Single 1.18 1.18 1.16 1.16 0.83 0.83 0.98 0.98 0.76 0.76
76-80 Single 1.22 1.22 1.29 1.29 0.72 0.72 1.13 1.13 0.76 0.76
81-85 Single 1.16 1.23 1.51 1.51 0.72 0.72 1.23 1.23 0.76 0.76
86+ Single 1.16 1.23 1.57 1.57 0.72 0.72 1.25 1.25 0.76 0.76
50-54 Married Short Pleasure 1.04 1.03 0.94 0.94 0.94 0.94 0.99 0.91 0.79 0.79
Work 0-3 1.04 1.03 0.94 0.94 0.94 0.94 0.99 0.91 0.79 0.79
Work 3.1-9.9 1.04 1.03 0.94 0.94 0.94 0.94 0.99 0.91 0.79 0.79
Work 10-20 1.04 1.03 0.94 0.94 0.94 0.94 0.99 0.91 0.79 0.79
Work 20+ 1.04 1.03 0.94 0.94 0.94 0.94 0.99 0.91 0.79 0.79
Business 1.40 1.38 1.09 1.09 0.94 0.94 0.99 0.91 0.79 0.79
Long Pleasure 1.04 1.03 0.94 0.94 0.94 0.94 0.99 0.91 0.79 0.79
Work 0-3 1.04 1.03 0.94 0.94 0.94 0.94 0.99 0.91 0.79 0.79
Work 3.1-9.9 1.04 1.03 0.94 0.94 0.94 0.94 0.99 0.91 0.79 0.79
Work 10-20 1.04 1.03 0.94 0.94 0.94 0.94 0.99 0.91 0.79 0.79
Work 20+ 1.04 1.03 0.94 0.94 0.94 0.94 0.99 0.91 0.79 0.79
Business 1.40 1.38 1.09 1.09 0.94 0.94 0.99 0.91 0.79 0.79
55-59 Married Short Pleasure 0.96 0.96 0.94 0.94 0.84 0.84 0.88 0.88 0.79 0.79
Work 0-3 0.96 0.96 0.94 0.94 0.84 0.84 0.88 0.88 0.79 0.79
Work 3.1-9.9 0.96 0.96 0.94 0.94 0.84 0.84 0.88 0.88 0.79 0.79
Work 10-20 0.96 0.96 0.94 0.94 0.84 0.84 0.88 0.88 0.79 0.79
Work 20+ 0.96 0.96 0.94 0.94 0.84 0.84 0.88 0.88 0.79 0.79
Business 1.29 1.29 1.09 1.09 0.84 0.84 0.88 0.88 0.79 0.79
Long Pleasure 0.96 0.96 0.94 0.94 0.84 0.84 0.88 0.88 0.79 0.79
Work 0-3 0.96 0.96 0.94 0.94 0.84 0.84 0.88 0.88 0.79 0.79
Work 3.1-9.9 0.96 0.96 0.94 0.94 0.84 0.84 0.88 0.88 0.79 0.79
Work 10-20 0.96 0.96 0.94 0.94 0.84 0.84 0.88 0.88 0.79 0.79
Work 20+ 0.96 0.96 0.94 0.94 0.84 0.84 0.88 0.88 0.79 0.79
Business 1.29 1.29 1.09 1.09 0.84 0.84 0.88 0.88 0.79 0.79
60-64 Married Short Pleasure 0.93 0.93 0.88 0.88 0.84 0.84 0.92 0.88 0.77 0.77
Work 0-3 0.93 0.93 0.88 0.88 0.84 0.84 0.92 0.88 0.77 0.77
Work 3.1-9.9 0.93 0.93 0.88 0.88 0.84 0.84 0.92 0.88 0.77 0.77
Work 10-20 0.93 0.93 0.88 0.88 0.84 0.84 0.92 0.88 0.77 0.77
Work 20+ 0.93 0.93 0.88 0.88 0.84 0.84 0.92 0.88 0.77 0.77
Business 1.24 1.24 1.02 1.02 0.84 0.84 0.92 0.88 0.77 0.77
Long Pleasure 0.93 0.93 0.88 0.88 0.84 0.84 0.92 0.88 0.77 0.77
Work 0-3 0.93 0.93 0.88 0.88 0.84 0.84 0.92 0.88 0.77 0.77
Work 3.1-9.9 0.93 0.93 0.88 0.88 0.84 0.84 0.92 0.88 0.77 0.77
Work 10-20 0.93 0.93 0.88 0.88 0.84 0.84 0.92 0.88 0.77 0.77
Work 20+ 0.93 0.93 0.88 0.88 0.84 0.84 0.92 0.88 0.77 0.77
Business 1.24 1.24 1.02 1.02 0.84 0.84 0.92 0.88 0.77 0.77
65-70 Married Short All 1.08 1.08 0.97 0.97 0.78 0.78 0.89 0.89 0.77 0.77
71-75 Married 1.18 1.18 1.09 1.09 0.78 0.78 0.90 0.90 0.68 0.68
76-80 Married 1.22 1.22 1.21 1.21 0.68 0.68 1.03 1.03 0.68 0.68
81-85 Married 1.16 1.22 1.42 1.42 0.68 0.68 1.12 1.12 0.68 0.68
86+ Married 1.16 1.22 1.47 1.47 0.68 0.68 1.14 1.14 0.68 0.68
65-70 Married Long All 1.08 1.08 0.97 0.97 0.78 0.78 0.89 0.89 0.77 0.77
71-75 Married 1.18 1.18 1.09 1.09 0.78 0.78 0.90 0.90 0.68 0.68
76-80 Married 1.22 1.22 1.21 1.21 0.68 0.68 1.03 1.03 0.68 0.68
81-85 Married 1.16 1.22 1.42 1.42 0.68 0.68 1.12 1.12 0.68 0.68
86+ Married 1.16 1.22 1.47 1.47 0.68 0.68 1.14 1.14 0.68 0.68
Extra Vehicles 1.08 1.08 1.02 1.02 1.15 1.15 1.07 1.07 0.97 0.97
Attachment IV
Exhibit 2
Page 3

ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTO
DELAWARE
INEXPERIENCED OPERATOR FACTORS
Years Indicated Selected Indicated Selected Indicated Selected
Age Licensed BI Factor BI Factor PD Factor PD Factor Coll Factor Coll Factor
14-16 0 - 1 1.00 1.00 1.00 1.00 1.00 1.00
14-16 1 - 2 1.00 1.00 1.00 1.00 1.00 1.00
14-16 2 - 3 1.00 1.00 1.00 1.00 1.00 1.00
14-16 3+ 1.00 1.00 1.00 1.00 1.00 1.00
17 0 - 1 1.38 1.38 1.21 1.21 1.27 1.27
17 1 - 2 1.29 1.29 1.21 1.21 1.19 1.19
17 2 - 3 1.29 1.29 1.10 1.10 1.11 1.11
17 3+ 1.00 1.00 1.00 1.00 1.00 1.00
18 0 - 1 1.38 1.38 1.21 1.21 1.27 1.27
18 1 - 2 1.29 1.29 1.21 1.21 1.19 1.19
18 2 - 3 1.29 1.29 1.10 1.10 1.11 1.11
18 3+ 1.00 1.00 1.00 1.00 1.00 1.00
19 0 - 1 1.38 1.38 1.21 1.21 1.27 1.27
19 1 - 2 1.29 1.29 1.21 1.21 1.19 1.19
19 2 - 3 1.29 1.29 1.10 1.10 1.11 1.11
19 3+ 1.00 1.00 1.00 1.00 1.00 1.00
20 0 - 1 1.38 1.38 1.21 1.21 1.27 1.27
20 1 - 2 1.29 1.29 1.21 1.21 1.19 1.19
20 2 - 3 1.29 1.29 1.10 1.10 1.11 1.11
20 3+ 1.00 1.00 1.00 1.00 1.00 1.00
21+ 0 - 1 1.38 1.38 1.21 1.21 1.27 1.27
21+ 1 - 2 1.29 1.29 1.21 1.21 1.19 1.19
21+ 2 - 3 1.29 1.29 1.10 1.10 1.11 1.11
21+ 3+ 1.00 1.00 1.00 1.00 1.00 1.00
Attachment IV
Exhibit 3
Page 1

ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTO
DELAWARE
HOUSEHOLD COMPOSITION FACTORS
Household Indicated Selected Indicated Selected Indicated Selected Indicated Selected Indicated Selected
Composition BI Factor BI Factor PD Factor PD Factor PIP Factor PIP Factor Coll Factor Coll Factor Comp Factor Comp Factor
14-20, 1car/1operator 1.39 1.39 1.60 1.60 1.00 1.00 1.49 1.49 1.53 1.53
14-20, 2cars/1operator 1.00 1.00 1.05 1.05 0.64 0.64 1.63 1.63 1.61 1.74
14-20, 3cars/1operator 1.00 1.00 1.05 1.05 0.43 0.43 1.11 1.11 1.61 1.74
14-20, 4cars/1operator 1.00 1.00 1.05 1.05 0.43 0.43 1.11 1.11 1.61 1.74
21-24, 1car/1operator 1.25 1.25 1.26 1.26 1.00 1.00 1.32 1.32 1.33 1.33
21-24, 2cars/1operator 0.82 0.82 0.88 0.88 0.64 0.64 1.20 1.20 1.76 1.74
21-24, 3cars/1operator 0.82 0.82 0.88 0.88 0.43 0.43 0.93 0.93 1.76 1.74
21-24, 4cars/1operator 0.82 0.82 0.88 0.88 0.43 0.43 0.93 0.93 1.76 1.74
25+, 1car/1operator 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
25+ 2cars/1operator 0.75 0.75 0.79 0.79 0.64 0.64 0.87 0.87 1.04 1.04
25+, 3cars/1operator 0.75 0.75 0.79 0.79 0.43 0.43 0.75 0.75 1.04 1.04
25+, 4cars/1operator 0.75 0.75 0.79 0.79 0.43 0.43 0.75 0.75 1.04 1.04
14-20, 1car/2operators 1.14 1.14 1.37 1.37 1.13 1.13 1.34 1.34 1.48 1.48
14-20, 2cars/2operators 0.94 0.94 1.07 1.07 0.82 0.82 1.16 1.16 1.03 1.03
14-20, 3cars/2operators 1.00 1.00 1.05 1.05 0.64 0.64 1.11 1.11 1.07 1.10
14-20, 4cars/2operators 1.00 1.00 1.05 1.05 0.43 0.43 1.11 1.11 1.00 1.14
21-24, 1car/2operators 1.00 1.00 1.05 1.05 1.13 1.13 1.06 1.06 1.30 1.30
21-24, 2cars/2operators 0.82 0.82 0.91 0.91 0.82 0.82 0.98 0.98 1.03 1.03
21-24, 3cars/2operators 0.82 0.82 0.88 0.88 0.64 0.64 0.93 0.93 1.12 1.10
21-24, 4cars/2operators 0.82 0.82 0.88 0.88 0.43 0.43 0.93 0.93 1.20 1.14
25+, 1car/2operators 0.86 0.86 0.94 0.94 1.14 1.14 0.91 0.91 1.04 1.04
25+ 2cars/2operators 0.74 0.74 0.80 0.80 0.82 0.82 0.80 0.80 0.90 0.90
25+, 3cars/2operators 0.75 0.75 0.79 0.79 0.64 0.64 0.75 0.75 1.04 1.04
25+, 4cars/2operators 0.75 0.75 0.79 0.79 0.43 0.43 0.75 0.75 1.04 1.04
14-20, 1car/3operators 1.23 1.23 1.46 1.46 1.13 1.13 1.30 1.30 1.48 1.48
14-20, 2cars/3operators 1.14 1.14 1.14 1.14 0.91 0.91 1.15 1.15 1.00 1.08
14-20, 3cars/3operators 0.93 0.93 1.08 1.08 0.68 0.68 1.09 1.09 1.00 1.08
14-20, 4cars/3operators 1.00 1.00 1.05 1.05 0.64 0.64 1.11 1.11 1.00 1.08
21-24, 1car/3operators 1.24 1.23 1.12 1.12 1.13 1.13 1.18 1.18 1.30 1.30
21-24, 2cars/3operators 1.00 1.00 0.88 0.88 0.91 0.91 1.01 1.01 1.20 1.08
21-24, 3cars/3operators 0.79 0.80 0.91 0.91 0.68 0.68 1.03 1.03 1.20 1.08
21-24, 4cars/3operators 0.82 0.82 0.88 0.88 0.64 0.64 0.93 0.93 1.20 1.08
25+, 1car/3operators 1.19 1.19 1.01 1.01 1.13 1.13 1.01 1.01 1.04 1.04
25+ 2cars/3operators 0.86 0.86 0.86 0.86 0.91 0.91 0.89 0.89 1.04 1.04
25+, 3cars/3operators 0.81 0.81 0.80 0.80 0.68 0.68 0.86 0.86 1.04 1.04
25+, 4cars/3operators 0.75 0.75 0.79 0.79 0.64 0.64 0.75 0.75 1.04 1.04
14-20, 1car/4operators 1.23 1.23 1.46 1.46 1.13 1.13 1.30 1.30 1.48 1.48
14-20, 2cars/4operators 1.23 1.23 1.46 1.46 0.91 0.91 1.30 1.30 1.07 1.09
14-20, 3cars/4operators 1.14 1.14 1.14 1.14 0.91 0.91 1.15 1.15 1.07 1.09
14-20, 4cars/4operators 0.93 0.93 1.08 1.08 0.68 0.68 1.09 1.09 1.07 1.09
21-24, 1car/4operators 1.24 1.23 1.12 1.12 1.13 1.13 1.18 1.18 1.30 1.30
21-24, 2cars/4operators 1.24 1.23 1.12 1.12 0.91 0.91 1.18 1.18 1.12 1.09
21-24, 3cars/4operators 1.00 1.00 0.88 0.88 0.91 0.91 1.01 1.01 1.12 1.09
21-24, 4cars/4operators 0.79 0.80 0.91 0.91 0.68 0.68 1.03 1.03 1.12 1.09
25+, 1car/4operators 1.19 1.19 1.01 1.01 1.13 1.13 1.01 1.01 1.04 1.04
25+ 2cars/4operators 1.19 1.19 1.01 1.01 0.91 0.91 1.01 1.01 1.04 1.04
25+, 3cars/4operators 0.86 0.86 0.86 0.86 0.91 0.91 0.89 0.89 1.04 1.04
25+, 4cars/4operators 0.81 0.81 0.80 0.80 0.68 0.68 0.86 0.86 1.04 1.04
Attachment IV
Exhibit 4
Page 1

ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTO
DELAWARE
ACCIDENT FACTORS
Age of # Accidents - Indicated Selected Indicated Selected Indicated Selected Indicated Selected
Rated Operator Years since most recent BI Factor BI Factor PD Factor PD Factor PIP Factor PIP Factor Coll Factor Coll Factor
ALL 0 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
age

ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTO
DELAWARE
MINOR VIOLATION FACTORS
Age of # Minor Violations - Indicated Selected Indicated Selected Indicated Selected Indicated Selected
Rated Operator Years since most recent BI Factor BI Factor PD Factor PD Factor PIP Factor PIP Factor Coll Factor Coll Factor
ALL 0 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
age

ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTO
DELAWARE
DISCOUNTS
Indicated Selected Indicated Selected Indicated Selected Indicated Selected Indicated Selected
Discounts BI Factor BI Factor PD Factor PD Factor PIP Factor PIP Factor Coll Factor Coll Factor Comp Factor Comp Factor
RESIDENT STUDENT DISCOUNT 0.90 0.90 0.88 0.88 N/A N/A 0.97 0.97 N/A N/A
GOOD STUDENT DISCOUNT 0.92 0.90 0.99 0.90 N/A 0.90 0.84 0.90 N/A 0.90
FUTURE EFFECTIVE DATE DISCOUNT 0.98 0.95 1.00 0.95 0.95 0.95 1.03 0.95 0.98 0.95
GOOD PAYER DISCOUNT 0.84 0.90 0.87 0.90 0.87 0.90 0.84 0.90 0.87 0.90
ALLSTATE EASY PAY PLAN DISCOUNT 0.89 0.95 1.11 0.95 0.68 0.95 0.94 0.95 0.93 0.95
HOMEOWNERSHIP DISCOUNT 0.98 0.95 0.97 0.95 0.98 0.95 0.98 0.95 1.00 0.95
PERFORMANCE DISCOUNT 0.98 0.98 0.95 0.95 1.00 1.00 0.97 0.97 0.94 0.94
MULTIPLE POLICY DISCOUNT 0.92 0.92 0.95 0.95 0.80 0.80 0.92 0.92 0.85 0.85
Attachment IV
Exhibit 7
Page 1

ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTO
DELAWARE
INCREASED LIMIT FACTORS
Indicated Selected
Limit PD Factor PD Factor
10,000 0.910 0.910
25,000 1.000 1.000
50,000 1.065 1.065
100,000 1.130 1.130
200,000 1.195 1.195
300,000 1.236 1.236
400,000 1.277 1.277
500,000 1.319 1.319
750,000 1.360 1.360
1,000,000 1.401 1.401
2,000,000 1.545 1.545
Note: PD ILFs for 300,000 and up were determined based
on the current factor relativity between the respective PD
ILF and the 200,000 PD ILF. This relativity was then
applied to the proposed 200,000 PD ILF in order to
maintain a similar relationship between limits
Attachment IV
Exhibit 8
Page 1

ATTACHMENT V
Summary of Manual Changes

Rates Manual:
ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTO
DELAWARE
SUMMARY OF MANUAL CHANGES
RP-1A Revised Rate Adjustment Factors
RP-3A Revised Property Damage Increase Limit Factors
RP-4A – RP-8A Revised Driver Classification Factors
RP-9A Revised Household Composition Factors
RP-10A Added 2010, 2011 and 2012 Model Year Factors
RP-12A Revised Accident Factors
RP-13A Revised Minor Violation Factors
RP-15A –
RP-21A
Revised Discount and Surcharge Rating Factors
Revised Tier Factors
Attachment V
Page 1

Bulletin 23

ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTOMOBILE
DATA REQUIREMENTS FOR FILINGS OF MANUAL RATES
FORMS AND RATES BULLETIN 23
DELAWARE
Bulletin 23
Page 1
Below are Allstate Indemnity Company’s responses to Delaware’s Forms and Rates Bulletin 23
revised on September 23, 2002.
1. Earned Premium
Page 3 of this attachment contains earned premium on an actual and on a current rate
level basis. Allstate uses a methodology that assumes that exposures are written
uniformly by month, using a procedure described in a discussion by Frank Karlinksi of
the paper entitled “A Refined Model for Premium Adjustment,” by David Miller and
George Davis. (Mr. Karlinski’s discussion appeared in the Proceedings of the Casualty
Actuarial Society (PCAS), Vol. LXIV, 1977, and the paper by Miller and Davis appeared
in the PCAS, Vol. LXIII, 1976.)
2. Loss & Loss Adjustment Expenses (LAE) Ratio
Pertinent calculations of the rate level as well as explanations of the methodologies used,
and background exhibits are provided in Attachments I through III of the filing packet.
Attachment II describes the adjustments to the incurred loss and allocated loss adjustment
expense (ALAE) data in the “Adjustments to Losses” section of the memo. Pages 4
through 39 of this attachment provide loss development triangles for both paid and
incurred loss and ALAE for Delaware and countrywide, with the countrywide data
including only tort states. The calculation of ULAE factors for liability and physical
damage coverages can be found in Attachment III, Exhibit 6. Attachment III,
Exhibits 3.1 through 5 provide the calculation of Ultimate Loss and Loss Adjustment
Expenses by Coverage by year.
3. Permissible Loss and Loss Adjustment Expense (LAE) Ratio
Pages 40 and 41 of this attachment provide taxes, licenses and fees for Delaware. Page
42 of this attachment provides the derivation of the commission and brokerage expense
provision. The countrywide experience for other acquisition expenses and general
expenses can be found in Attachment III, Exhibits 11 and 12. Page 43 of this
attachment shows the development of the expected loss and loss adjustment expense
ratios used in the rate level calculations. Investment income is reflected in the
underwriting profit provision which is used to determine the permissible loss and LAE
ratio. The determination of the underwriting profit provisions is shown on Exhibits 14.1
and 14.2 of Attachment III.

4. Investment Income
Bulletin 23
Page 2
Allstate does not calculate investment income according to the “State X” Method. Please
see number six of this memo, Exceptions, where reference is made to the calculation of
the investment income.
5. Rating System Changes
Please see page 44 of this attachment for the premium effect of all changes to the present
rating system by coverage. Justification for proposed rating plan updates for Bodily
Injury, Property Damage, Personal Injury Protection, Uninsured / Underinsured Motorist,
Collision, and Comprehensive coverages is provided in Attachment IV.
6. Exceptions
Investment Income – Please see pages 7 and 8 of Attachment II and Exhibits 14.1 and
14.2 of Attachment III for a description and exhibits supporting Allstate’s method of
calculating after-tax operating profit provision.

ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTOMOBILE
DELAWARE
EARNED PREMIUM
Bulletin 23
Page 3
2010 Actual Adjusted Factor to Earned Premium
Earned
Earned Current Rate at Current Rate
Premium Premium* Level
Level
Bodily Injury 616,628 627,218 1.0000 627,218
Property Damage 329,153 339,156 1.0000 339,156
Personal Injury Protection 393,106 393,921 1.0000 393,921
Uninsured Motorist 114,462 114,462 1.0000 114,462
Collision 325,505 330,307 1.0000 330,307
Comprehensive 147,262 152,806 1.0000 152,806
*Premiums adjusted due to a refund-related data issue in January 2010. A smoothing adjustment was made by
setting January 2010 premium equal to the average of December 2009 and February 2010 premium.

Bulletin 23
Page 4
Accident
Paid Loss*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 359,239 1,083,050 1,707,157 1,974,454 2,034,879 2,041,998 2,041,998 2,041,998 2,041,998 2,041,998
1999 294,538 859,780 1,449,744 1,579,422 1,677,063 1,692,063 1,702,063 1,702,063 1,702,063 1,702,063
2000 280,611 718,948 1,093,015 1,379,603 1,397,686 1,445,536 1,460,466 1,460,466 1,460,466 1,460,466
2001 260,685 533,161 684,718 764,962 773,712 808,712 808,712 808,712 808,712 808,712
2002 93,952 350,516 530,934 662,258 675,758 675,758 675,758 675,758 675,758
2003 77,841 218,707 260,280 273,874 273,874 273,874 273,874 273,874
2004 18,795 66,764 147,637 151,527 151,527 151,527 151,527
2005 21,971 91,559 106,559 106,559 106,559 106,559
2006 12,695 35,425 36,425 36,425 36,425
2007 66,526 90,885 112,779 127,779
2008 21,381 44,738 70,536
2009 97,163 196,528
2010 73,974
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 2.790 1.164 1.026 1.000 1.000 1.000 1.000 1.000 1.000
2nd Prior 1.366 1.028 1.000 1.000 1.000 1.000 1.000 1.000 1.000
1st Prior 2.092 1.241 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Latest 2.023 1.577 1.133 1.000 1.000 1.000 1.000 1.000 1.000
Average 2.068 1.252 1.040 1.000 1.000 1.000 1.000 1.000 1.000
*Excludes Paid Allocated Expense
Loss Development Factors 15 to 159 months = 2.693
27 to 159 months = 1.302
39 to 159 months = 1.040
51 to 159 months = 1.000
ALLSTATE INDEMNITY COMPANY
DELAWARE
Calculation of Loss Development Factors
BODILY INJURY

Bulletin 23
Page 5
Accident
Paid Loss*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 828,080 986,689 1,028,050 1,034,144 1,042,124 1,042,124 1,042,124 1,042,124 1,042,124 1,042,124
1999 927,471 1,051,295 1,094,654 1,098,996 1,098,996 1,098,996 1,098,996 1,098,996 1,098,996 1,098,996
2000 814,053 913,381 932,107 932,107 932,107 937,107 937,107 937,107 937,107 937,107
2001 431,060 469,681 474,282 474,282 474,282 474,282 474,282 474,282 474,282 474,282
2002 379,233 411,618 422,614 424,561 424,561 424,561 424,561 424,561 424,561
2003 187,214 218,256 218,256 218,256 218,256 218,256 218,256 218,256
2004 97,585 108,446 109,166 109,166 109,166 109,166 109,166
2005 131,084 141,273 141,273 141,273 141,273 141,273
2006 54,050 54,050 54,050 54,050 54,050
2007 93,589 115,071 121,903 121,903
2008 86,878 92,081 92,081
2009 190,039 254,060
2010 307,498
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
2nd Prior 1.230 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
1st Prior 1.060 1.059 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Latest 1.337 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Average 1.157 1.015 1.000 1.000 1.000 1.000 1.000 1.000 1.000
*Excludes Paid Allocated Expense
Loss Development Factors 15 to 123 months = 1.174
27 to 123 months = 1.015
39 to 123 months = 1.000
51 to 123 months = 1.000
ALLSTATE INDEMNITY COMPANY
DELAWARE
Calculation of Loss Development Factors
PROPERTY DAMAGE

Bulletin 23
Page 6
Accident
Paid Loss*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 1,720,375 1,963,205 1,845,734 1,816,099 1,802,781 1,806,036 1,806,802 1,806,802 1,806,802 1,811,768
1999 1,523,832 1,826,234 1,631,229 1,572,526 1,562,716 1,532,635 1,532,635 1,532,635 1,532,635 1,532,635
2000 1,163,358 1,309,039 1,111,420 1,039,316 1,024,644 1,024,644 1,024,644 1,024,644 1,025,163 1,025,163
2001 643,830 701,493 694,053 643,465 628,229 628,229 628,582 628,582 628,582 628,582
2002 399,293 412,502 365,515 338,303 338,303 338,303 338,303 338,303 338,303
2003 207,218 236,807 221,706 198,788 167,133 167,133 167,133 160,012
2004 183,116 206,294 202,923 195,423 195,423 195,423 195,423
2005 90,109 99,315 70,070 58,283 58,283 58,283
2006 36,750 38,507 38,507 19,600 20,958
2007 78,327 96,027 78,071 81,312
2008 36,675 15,882 15,453
2009 306,122 281,781
2010 357,958
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.048 0.706 0.963 0.841 1.000 1.001 1.000 1.000 1.003
2nd Prior 1.226 1.000 0.832 1.000 1.000 1.000 1.000 1.001 1.000
1st Prior 0.433 0.813 0.509 1.000 1.000 1.000 1.000 1.000 1.000
Latest 0.920 0.973 1.042 1.069 1.000 1.000 0.957 1.000 1.000
Average 0.907 0.873 0.836 0.978 1.000 1.000 0.989 1.000 1.001
*Excludes Paid Allocated Expense
Loss Development Factors 15 to 123 months = 0.641
27 to 123 months = 0.707
39 to 123 months = 0.810
51 to 123 months = 0.968
ALLSTATE INDEMNITY COMPANY
DELAWARE
Calculation of Loss Development Factors
PERSONAL INJURY PROTECTION

Bulletin 23
Page 7
Accident
Paid Loss*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 180,378 244,903 311,458 315,958 323,458 323,458 323,458 323,458 323,458 323,458
1999 124,973 253,235 335,014 363,847 363,847 363,847 363,847 363,847 363,847 363,847
2000 86,547 114,203 164,316 189,228 189,228 189,228 189,228 189,228 189,228 189,228
2001 62,897 115,966 143,287 143,012 143,012 143,012 143,012 143,012 143,012 143,012
2002 33,475 71,743 71,993 86,495 86,495 86,495 86,495 86,495 86,495
2003 27,666 26,007 26,007 26,007 26,007 26,007 26,007 26,007
2004 3,121 12,421 12,421 12,421 13,921 13,921 13,921
2005 5,905 5,709 5,709 5,709 5,709 5,709
2006 2,688 11,188 11,188 11,188 11,188
2007 6,114 7,614 7,614 7,614
2008 2,196 1,946 1,946
2009 9,501 9,501
2010 19,350
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 4.162 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
2nd Prior 1.245 1.000 1.000 1.121 1.000 1.000 1.000 1.000 1.000
1st Prior 0.886 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Latest 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Average 1.823 1.000 1.000 1.030 1.000 1.000 1.000 1.000 1.000
*Excludes Paid Allocated Expense
Loss Development Factors 15 to 123 months = 1.879
27 to 123 months = 1.030
39 to 123 months = 1.030
51 to 123 months = 1.030
ALLSTATE INDEMNITY COMPANY
DELAWARE
Calculation of Loss Development Factors
UNINSURED / UNDERINSURED MOTORISTS

Bulletin 23
Page 8
Accident
Paid Loss*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 1,209,848 1,138,628 1,131,646 1,123,980 1,123,980 1,123,980 1,123,980 1,123,980 1,123,980 1,123,980
1999 1,203,945 1,158,354 1,161,615 1,162,131 1,162,131 1,162,131 1,162,131 1,162,366 1,162,366 1,160,804
2000 913,566 883,678 880,880 880,880 880,891 880,901 880,526 880,591 880,036 879,496
2001 682,479 661,361 664,282 666,082 666,127 666,127 666,127 666,127 666,127 666,127
2002 542,622 522,583 522,583 522,583 522,583 522,583 522,583 522,583 522,583
2003 358,101 338,991 340,301 340,301 340,301 340,301 340,301 340,301
2004 197,123 190,587 190,587 189,044 189,044 189,044 189,044
2005 136,280 117,080 117,080 117,080 117,080 117,080
2006 86,172 86,172 86,172 86,172 86,172
2007 75,522 74,921 74,921 74,921
2008 60,592 55,928 55,928
2009 131,412 133,558
2010 190,679
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.000 1.000 0.992 1.000 1.000 1.000 1.000 1.000 1.000
2nd Prior 0.992 1.000 1.000 1.000 1.000 1.000 1.000 0.999 0.999
1st Prior 0.923 1.000 1.000 1.000 1.000 1.000 1.000 1.000 0.999
Latest 1.016 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Average 0.983 1.000 0.998 1.000 1.000 1.000 1.000 1.000 1.000
*Excludes Paid Allocated Expense
Loss Development Factors 15 to 123 months = 0.980
27 to 123 months = 0.997
39 to 123 months = 0.997
51 to 123 months = 0.999
ALLSTATE INDEMNITY COMPANY
DELAWARE
Calculation of Loss Development Factors
COLLISION

Bulletin 23
Page 9
Accident
Paid Loss*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 379,388 389,422 389,398 389,398 389,398 389,398 389,398 389,398 389,398 389,398
1999 449,014 452,995 451,970 451,110 450,230 449,594 449,594 449,594 449,594 444,197
2000 260,533 259,088 255,828 255,813 255,813 255,513 255,513 252,062 252,062 252,062
2001 200,855 203,495 203,600 203,600 203,600 203,600 203,600 203,600 203,600 203,600
2002 144,225 140,090 140,090 140,090 140,090 140,090 140,090 140,090 140,090
2003 74,183 74,073 74,073 74,073 74,073 74,073 74,073 74,073
2004 34,703 34,553 34,553 34,553 34,553 34,553 34,553
2005 26,215 26,212 26,212 26,212 26,212 26,212
2006 27,615 28,597 28,597 28,597 28,597
2007 23,686 23,686 23,686 23,686
2008 13,368 13,293 13,293
2009 29,712 29,712
2010 15,947
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.036 1.000 1.000 1.000 1.000 1.000 0.986 1.000 1.000
2nd Prior 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 0.988
1st Prior 0.994 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Latest 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Average 1.007 1.000 1.000 1.000 1.000 1.000 0.997 1.000 0.997
*Excludes Paid Allocated Expense
Loss Development Factors 15 to 123 months = 1.001
27 to 123 months = 0.994
39 to 123 months = 0.994
51 to 123 months = 0.994
ALLSTATE INDEMNITY COMPANY
DELAWARE
Calculation of Loss Development Factors
COMPREHENSIVE

Bulletin 23
Page 10
Accident
Incurred Loss Including Allocated Expense*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 1,286,391 1,788,848 1,970,905 2,235,397 2,291,102 2,293,984 2,295,107 2,295,107 2,295,107 2,295,107
1999 1,120,736 1,508,731 1,816,832 1,878,098 1,921,938 1,928,532 1,942,643 1,942,643 1,942,643 1,942,643
2000 1,185,272 1,292,640 1,469,484 1,648,173 1,695,092 1,682,635 1,698,675 1,698,675 1,698,675 1,698,675
2001 615,304 722,633 819,540 876,761 879,084 876,969 877,969 877,969 877,969 877,969
2002 436,827 563,562 730,157 737,348 753,008 753,008 753,008 753,008 753,008
2003 160,413 256,470 262,195 274,430 274,430 274,430 274,430 274,430
2004 140,120 170,842 163,292 168,837 168,124 168,124 168,124
2005 77,815 112,769 111,573 111,573 111,573 111,573
2006 37,822 35,546 36,546 36,546 36,546
2007 107,672 107,814 140,192 135,066
2008 50,907 82,578 70,876
2009 313,478 320,311
2010 275,794
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 0.940 0.989 1.034 1.000 1.000 1.001 1.000 1.000 1.000
2nd Prior 1.001 1.028 1.000 0.996 1.000 1.000 1.000 1.000 1.000
1st Prior 1.622 1.300 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Latest 1.022 0.858 0.963 1.000 1.000 1.000 1.000 1.000 1.000
Average 1.146 1.044 0.999 0.999 1.000 1.000 1.000 1.000 1.000
*Includes Supplemental Reserves
Loss Development Factors 15 to 159 months = 1.195
27 to 159 months = 1.043
39 to 159 months = 0.999
51 to 159 months = 0.999
ALLSTATE INDEMNITY COMPANY
DELAWARE
Calculation of Loss Development Factors
BODILY INJURY

Bulletin 23
Page 11
Accident
Incurred Loss Including Allocated Expense*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 931,634 1,017,760 1,069,121 1,046,290 1,054,269 1,054,269 1,054,269 1,054,269 1,054,269 1,054,269
1999 1,001,992 1,058,159 1,101,518 1,105,860 1,105,860 1,105,860 1,105,860 1,105,860 1,105,860 1,105,860
2000 848,516 930,350 961,178 941,197 941,197 946,197 946,197 946,197 946,197 946,197
2001 435,805 471,489 488,739 481,915 481,915 481,915 481,915 481,915 481,915 481,915
2002 398,675 421,277 432,273 434,220 434,220 434,220 434,220 434,220 434,220
2003 187,571 218,712 218,712 218,712 218,712 218,712 218,712 218,712
2004 98,334 109,195 110,146 110,146 110,146 110,146 110,146
2005 131,342 141,531 141,531 141,531 141,531 141,531
2006 54,791 54,791 54,791 54,791 54,791
2007 118,460 121,942 122,564 122,564
2008 95,450 92,243 92,243
2009 195,427 255,675
2010 308,194
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
2nd Prior 1.029 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
1st Prior 0.966 1.005 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Latest 1.308 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Average 1.076 1.001 1.000 1.000 1.000 1.000 1.000 1.000 1.000
*Includes Supplemental Reserves
Loss Development Factors 15 to 123 months = 1.077
27 to 123 months = 1.001
39 to 123 months = 1.000
51 to 123 months = 1.000
ALLSTATE INDEMNITY COMPANY
DELAWARE
Calculation of Loss Development Factors
PROPERTY DAMAGE

Bulletin 23
Page 12
Accident
Incurred Loss Including Allocated Expense*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 2,294,976 2,063,331 1,923,271 1,888,515 1,875,575 1,880,075 1,880,046 1,880,046 1,880,046 1,885,116
1999 2,018,649 1,975,799 1,699,053 1,624,720 1,614,769 1,584,688 1,584,688 1,584,688 1,584,688 1,584,688
2000 1,687,387 1,340,752 1,130,576 1,058,637 1,045,801 1,047,101 1,047,101 1,047,101 1,047,620 1,047,620
2001 787,333 723,125 722,449 675,318 663,100 666,246 666,599 666,599 666,599 666,599
2002 485,365 434,253 397,579 371,559 371,916 371,916 371,916 371,916 371,916
2003 223,189 244,240 229,139 206,446 180,458 180,458 180,458 173,337
2004 206,834 211,414 208,559 201,059 201,059 201,059 201,059
2005 103,898 108,220 78,213 66,426 66,426 66,426
2006 42,618 40,065 38,532 19,625 20,983
2007 123,916 115,617 79,861 83,102
2008 41,721 17,732 16,303
2009 343,495 310,010
2010 374,175
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 0.940 0.723 0.964 0.874 1.000 1.001 1.000 1.000 1.003
2nd Prior 0.933 0.962 0.849 1.000 1.000 1.000 1.000 1.000 1.000
1st Prior 0.425 0.691 0.509 1.000 1.000 1.000 1.000 1.000 1.000
Latest 0.903 0.919 1.041 1.069 1.000 1.000 0.961 1.000 1.000
Average 0.800 0.824 0.841 0.986 1.000 1.000 0.990 1.000 1.001
*Includes Supplemental Reserves
Loss Development Factors 15 to 123 months = 0.541
27 to 123 months = 0.677
39 to 123 months = 0.821
51 to 123 months = 0.977
ALLSTATE INDEMNITY COMPANY
DELAWARE
Calculation of Loss Development Factors
PERSONAL INJURY PROTECTION

Bulletin 23
Page 13
Accident
Incurred Loss Including Allocated Expense*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 262,015 314,066 353,545 366,875 359,690 350,401 350,401 350,401 350,401 350,401
1999 276,622 339,078 413,066 419,029 425,586 406,732 406,732 406,732 406,732 406,732
2000 135,531 184,960 220,021 219,292 219,959 219,959 219,959 219,959 219,959 219,959
2001 111,243 117,039 151,631 158,849 159,014 159,014 160,095 160,095 160,095 160,095
2002 55,069 82,039 93,979 90,446 93,081 93,081 93,081 93,081 93,081
2003 27,703 26,044 26,044 26,044 26,044 26,044 26,044 26,044
2004 23,121 12,421 22,421 22,421 19,386 19,386 19,386
2005 5,930 5,734 5,734 5,734 5,734 5,734
2006 32,688 11,188 11,188 11,188 11,188
2007 7,632 7,632 7,632 7,632
2008 2,196 1,946 1,946
2009 28,052 31,466
2010 20,895
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 0.342 1.000 1.000 1.000 1.000 1.007 1.000 1.000 1.000
2nd Prior 1.000 1.000 1.000 0.865 1.000 1.000 1.000 1.000 1.000
1st Prior 0.886 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Latest 1.122 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Average 0.838 1.000 1.000 0.966 1.000 1.002 1.000 1.000 1.000
*Includes Supplemental Reserves
Loss Development Factors 15 to 123 months = 0.811
27 to 123 months = 0.968
39 to 123 months = 0.968
51 to 123 months = 0.968
ALLSTATE INDEMNITY COMPANY
DELAWARE
Calculation of Loss Development Factors
UNINSURED / UNDERINSURED MOTORISTS

Bulletin 23
Page 14
Accident
Incurred Loss Including Allocated Expense*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 1,219,119 1,149,919 1,143,054 1,136,501 1,136,501 1,136,501 1,136,501 1,136,501 1,136,501 1,136,501
1999 1,210,791 1,165,700 1,169,058 1,169,574 1,169,574 1,169,574 1,169,574 1,169,819 1,170,139 1,168,952
2000 935,167 905,852 903,073 903,073 903,084 903,094 902,729 902,794 902,239 901,699
2001 684,988 663,909 666,830 668,630 668,675 668,675 668,675 668,675 668,675 668,675
2002 546,308 527,086 527,108 527,108 527,108 527,108 527,108 527,108 527,108
2003 359,432 340,297 341,608 341,608 341,608 341,608 341,608 341,608
2004 197,565 191,029 191,104 189,656 189,656 189,656 189,656
2005 136,519 118,709 118,709 118,709 118,709 118,709
2006 86,375 86,375 86,378 86,378 86,378
2007 76,177 75,576 75,576 75,576
2008 60,637 55,973 56,622
2009 133,785 135,930
2010 190,719
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.000 1.000 0.992 1.000 1.000 1.000 1.000 1.000 1.000
2nd Prior 0.992 1.000 1.000 1.000 1.000 1.000 1.000 0.999 0.999
1st Prior 0.923 1.000 1.000 1.000 1.000 1.000 1.000 1.000 0.999
Latest 1.016 1.012 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Average 0.983 1.003 0.998 1.000 1.000 1.000 1.000 1.000 1.000
*Includes Supplemental Reserves
Loss Development Factors 15 to 123 months = 0.983
27 to 123 months = 1.001
39 to 123 months = 0.998
51 to 123 months = 1.000
ALLSTATE INDEMNITY COMPANY
DELAWARE
Calculation of Loss Development Factors
COLLISION

Bulletin 23
Page 15
Accident
Incurred Loss Including Allocated Expense*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 385,907 399,948 399,958 399,958 399,958 399,958 399,958 399,958 399,958 399,958
1999 455,119 460,485 460,438 459,578 458,698 458,062 458,062 458,062 458,062 452,665
2000 261,592 260,146 256,886 256,871 256,871 256,571 256,571 253,121 253,121 253,121
2001 201,647 204,283 204,388 204,388 204,388 204,388 204,388 204,388 204,388 204,388
2002 144,501 140,347 140,656 140,656 140,656 140,656 140,656 140,656 140,656
2003 74,238 74,128 74,128 74,128 74,128 74,128 74,128 74,128
2004 34,728 34,578 34,578 34,578 34,578 34,578 34,578
2005 26,272 26,269 26,269 26,269 26,269 26,269
2006 27,635 28,617 28,617 28,617 28,617
2007 23,686 23,686 23,686 23,686
2008 13,368 13,293 13,293
2009 29,730 29,730
2010 15,947
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.036 1.000 1.000 1.000 1.000 1.000 0.987 1.000 1.000
2nd Prior 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 0.988
1st Prior 0.994 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Latest 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Average 1.007 1.000 1.000 1.000 1.000 1.000 0.997 1.000 0.997
*Includes Supplemental Reserves
Loss Development Factors 15 to 123 months = 1.001
27 to 123 months = 0.994
39 to 123 months = 0.994
51 to 123 months = 0.994
ALLSTATE INDEMNITY COMPANY
DELAWARE
Calculation of Loss Development Factors
COMPREHENSIVE

Bulletin 23
Page 16
Accident Year
Paid Allocated Expense
Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 17,753 57,020 126,209 236,209 249,991 251,987 253,109 253,109 253,109 253,109
1999 19,203 46,292 132,455 189,261 231,891 233,619 240,580 240,580 240,580 240,580
2000 9,803 39,148 127,904 196,861 215,873 237,099 238,209 238,209 238,209 238,209
2001 3,742 26,730 53,183 65,844 68,257 68,257 69,257 69,257 69,257 69,257
2002 4,143 21,478 51,757 75,089 77,249 77,249 77,249 77,249 77,249
2003 37 253 526 556 556 556 556 556
2004 95 3,471 12,145 15,010 16,597 16,597 16,597
2005 146 2,405 5,014 5,014 5,014 5,014
2006 121 121 121 121 121
2007 2,560 4,428 7,253 7,286
2008 320 340 340
2009 4,100 8,422
2010 255
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.000 2.085 1.236 1.000 1.000 1.015 1.000 1.000 1.000
2nd Prior 1.730 1.000 1.000 1.106 1.000 1.000 1.000 1.000 1.000
1st Prior 1.062 1.638 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Latest 2.054 1.000 1.005 1.000 1.000 1.000 1.000 1.000 1.000
Average 1.462 1.431 1.060 1.026 1.000 1.004 1.000 1.000 1.000
Loss Development Factors 15 to 159 months = 2.284
27 to 159 months = 1.563
39 to 159 months = 1.092
51 to 159 months = 1.030
ALLSTATE INDEMNITY COMPANY
DELAWARE
Calculation of Loss Development Factors
BODILY INJURY

Bulletin 23
Page 17
Accident Year
Paid Allocated Expense
Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 8,322 11,071 11,071 12,146 12,146 12,146 12,146 12,146 12,146 12,146
1999 6,370 6,863 6,863 6,863 6,863 6,863 6,863 6,863 6,863 6,863
2000 6,547 6,969 9,072 9,090 9,090 9,090 9,090 9,090 9,090 9,090
2001 1,808 1,808 4,457 7,633 7,633 7,633 7,633 7,633 7,633 7,633
2002 9,659 9,659 9,659 9,659 9,659 9,659 9,659 9,659 9,659
2003 357 456 456 456 456 456 456 456
2004 749 749 980 980 980 980 980
2005 259 259 259 259 259 259
2006 741 741 741 741 741
2007 661 661 661 661
2008 162 162 162
2009 1,263 1,616
2010 696
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
2nd Prior 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
1st Prior 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Latest 1.280 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Average 1.070 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Loss Development Factors 15 to 123 months = 1.070
27 to 123 months = 1.000
39 to 123 months = 1.000
51 to 123 months = 1.000
ALLSTATE INDEMNITY COMPANY
DELAWARE
Calculation of Loss Development Factors
PROPERTY DAMAGE

Bulletin 23
Page 18
Accident Year
Paid Allocated Expense
Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 42,236 64,681 68,846 71,269 72,794 73,244 73,244 73,244 73,244 73,349
1999 40,053 48,620 51,983 52,023 52,053 52,053 52,053 52,053 52,053 52,053
2000 3,082 15,375 16,656 19,321 21,157 22,457 22,457 22,457 22,457 22,457
2001 8,137 21,582 26,529 30,903 34,871 38,017 38,017 38,017 38,017 38,017
2002 6,448 13,375 25,263 32,252 33,613 33,613 33,613 33,613 33,613
2003 2,141 7,433 7,433 7,658 13,326 13,326 13,326 13,326
2004 3,190 5,095 5,636 5,636 5,636 5,636 5,636
2005 1,980 6,100 8,143 8,143 8,143 8,143
2006 25 25 25 25 25
2007 695 1,790 1,790 1,790
2008 0 850 850
2009 8,194 12,669
2010 5,794
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.000 1.335 1.000 1.740 1.000 1.000 1.000 1.000 1.001
2nd Prior 2.576 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
1st Prior 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Latest 1.546 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Average 1.530 1.084 1.000 1.185 1.000 1.000 1.000 1.000 1.000
Loss Development Factors 15 to 123 months = 1.966
27 to 123 months = 1.285
39 to 123 months = 1.185
51 to 123 months = 1.185
ALLSTATE INDEMNITY COMPANY
DELAWARE
Calculation of Loss Development Factors
PERSONAL INJURY PROTECTION

Bulletin 23
Page 19
Accident Year
Paid Allocated Expense
Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 1,585 7,450 15,892 22,574 26,920 26,943 26,943 26,943 26,943 26,943
1999 5,435 10,197 34,321 39,985 40,927 42,884 42,884 42,884 42,884 42,884
2000 2,439 3,142 27,967 30,064 30,731 30,731 30,731 30,731 30,731 30,731
2001 656 1,073 5,672 15,836 16,001 16,001 17,082 17,082 17,082 17,082
2002 19 286 286 3,951 6,586 6,586 6,586 6,586 6,586
2003 37 37 37 37 37 37 37 37
2004 0 0 3,425 3,752 5,465 5,465 5,465
2005 25 25 25 25 25 25
2006 0 0 0 0 0
2007 19 19 19 19
2008 0 0 0
2009 0 3,538
2010 0
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.000 1.000 1.095 1.000 1.000 1.068 1.000 1.000 1.000
2nd Prior 1.000 1.000 1.000 1.457 1.000 1.000 1.000 1.000 1.000
1st Prior 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Latest 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Average 1.000 1.000 1.024 1.114 1.000 1.017 1.000 1.000 1.000
Loss Development Factors 15 to 123 months = 1.160
27 to 123 months = 1.160
39 to 123 months = 1.160
51 to 123 months = 1.133
ALLSTATE INDEMNITY COMPANY
DELAWARE
Calculation of Loss Development Factors
UNINSURED / UNDERINSURED MOTORISTS

Bulletin 23
Page 20
Accident Year
Paid Allocated Expense
Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 9,271 11,291 11,408 12,521 12,521 12,521 12,521 12,521 12,521 12,521
1999 6,845 7,346 7,443 7,443 7,443 7,443 7,443 7,453 7,773 8,148
2000 21,600 22,173 22,193 22,193 22,193 22,193 22,203 22,203 22,203 22,203
2001 2,509 2,547 2,547 2,547 2,547 2,547 2,547 2,547 2,547 2,547
2002 3,686 4,504 4,526 4,526 4,526 4,526 4,526 4,526 4,526
2003 1,332 1,307 1,307 1,307 1,307 1,307 1,307 1,307
2004 442 442 517 612 612 612 612
2005 239 1,629 1,629 1,629 1,629 1,629
2006 204 204 206 206 206
2007 655 655 655 655
2008 45 45 694
2009 2,372 2,372
2010 40
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.000 1.000 1.184 1.000 1.000 1.000 1.000 1.043 1.000
2nd Prior 1.000 1.013 1.000 1.000 1.000 1.000 1.000 1.000 1.048
1st Prior 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Latest 1.000 15.417 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Average 1.000 4.607 1.046 1.000 1.000 1.000 1.000 1.011 1.012
Loss Development Factors 15 to 123 months = 4.930
27 to 123 months = 4.930
39 to 123 months = 1.070
51 to 123 months = 1.023
ALLSTATE INDEMNITY COMPANY
DELAWARE
Calculation of Loss Development Factors
COLLISION

Bulletin 23
Page 21
Accident Year
Paid Allocated Expense
Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 6,519 10,525 10,560 10,560 10,560 10,560 10,560 10,560 10,560 10,560
1999 6,104 7,490 8,468 8,468 8,468 8,468 8,468 8,468 8,468 8,468
2000 1,059 1,059 1,059 1,059 1,059 1,059 1,059 1,059 1,059 1,059
2001 792 789 789 789 789 789 789 789 789 789
2002 277 258 567 567 567 567 567 567 567
2003 55 55 55 55 55 55 55 55
2004 25 25 25 25 25 25 25
2005 57 57 57 57 57 57
2006 20 20 20 20 20
2007 0 0 0 0
2008 0 0 0
2009 19 19
2010 0
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
2nd Prior 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
1st Prior 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Latest 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Average 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Loss Development Factors 15 to 123 months = 1.000
27 to 123 months = 1.000
39 to 123 months = 1.000
51 to 123 months = 1.000
ALLSTATE INDEMNITY COMPANY
DELAWARE
Calculation of Loss Development Factors
COMPREHENSIVE

Bulletin 23
Page 22
Accident
Paid Loss*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 98,911,181 197,127,130 246,358,359 275,442,987 290,302,717 295,541,641 297,709,150 299,044,256 299,315,950 299,472,023
1999 114,300,748 216,093,351 273,532,958 301,877,565 317,908,207 323,682,799 325,811,550 326,672,672 326,966,207 327,145,285
2000 116,191,562 222,557,011 277,254,083 304,517,290 316,423,376 321,276,735 323,173,221 324,187,807 324,437,992 325,614,634
2001 94,011,008 184,979,021 227,998,353 247,608,726 255,528,110 259,707,168 262,352,440 263,209,987 263,564,221 263,685,164
2002 83,230,953 153,138,412 187,085,476 202,638,075 209,992,510 213,212,950 214,201,964 214,807,548 215,125,850
2003 69,425,019 126,153,407 152,325,286 165,717,926 171,804,055 174,232,164 175,333,367 175,682,596
2004 56,844,828 105,579,176 127,953,803 139,389,926 144,535,068 146,574,814 147,855,578
2005 48,432,077 89,164,039 110,200,913 121,061,387 126,781,271 128,643,799
2006 42,083,995 79,209,967 96,861,535 105,633,202 109,945,333
2007 36,853,547 71,154,256 90,522,661 99,419,179
2008 31,912,050 62,713,503 76,359,561
2009 37,596,802 70,900,344
2010 40,703,525
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.882 1.236 1.089 1.037 1.015 1.010 1.003 1.001 1.001
2nd Prior 1.931 1.223 1.099 1.037 1.014 1.005 1.003 1.001 1.001
1st Prior 1.965 1.272 1.091 1.047 1.014 1.006 1.003 1.001 1.004
Latest 1.886 1.218 1.098 1.041 1.015 1.009 1.002 1.001 1.000
Average 1.916 1.237 1.094 1.040 1.015 1.007 1.003 1.001 1.001
*Excludes Paid Allocated Expense
Loss Development Factors 15 to 123 months = 2.773
27 to 123 months = 1.447
39 to 123 months = 1.170
51 to 123 months = 1.069
Countrywide - Tort States** Indemnity
Calculation of Loss Development Factors
BODILY INJURY

Bulletin 23
Page 23
Accident
Paid Loss*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 233,220,239 252,959,119 257,108,263 258,454,983 258,744,468 258,904,262 258,944,741 258,975,083 258,988,892 259,011,339
1999 259,867,710 279,655,984 283,792,036 285,060,404 285,437,594 285,527,754 285,613,709 285,617,841 285,627,534 285,626,731
2000 271,718,569 296,977,061 301,150,398 302,370,494 302,673,448 302,798,132 302,818,613 302,835,746 302,845,100 302,850,304
2001 222,893,926 245,353,263 249,121,719 249,885,724 250,157,533 250,251,069 250,296,573 250,327,550 250,335,666 250,338,800
2002 187,515,620 205,066,175 207,486,130 208,124,834 208,280,147 208,359,296 208,366,873 208,412,330 208,416,488
2003 154,691,096 166,972,982 168,771,626 169,205,761 169,391,125 169,425,388 169,442,904 169,444,254
2004 134,090,776 144,933,930 146,240,948 146,510,291 146,682,172 146,721,001 146,735,220
2005 120,972,939 130,780,765 132,151,818 132,460,463 132,545,118 132,611,376
2006 105,021,101 113,444,967 114,563,172 114,907,814 115,017,779
2007 91,185,202 99,387,082 100,395,111 100,742,955
2008 78,722,185 86,369,465 87,197,367
2009 79,000,487 84,870,754
2010 77,339,523
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.080 1.010 1.002 1.001 1.000 1.000 1.000 1.000 1.000
2nd Prior 1.090 1.010 1.002 1.001 1.000 1.000 1.000 1.000 1.000
1st Prior 1.097 1.010 1.003 1.001 1.000 1.000 1.000 1.000 1.000
Latest 1.074 1.010 1.003 1.001 1.000 1.000 1.000 1.000 1.000
Average 1.085 1.010 1.003 1.001 1.000 1.000 1.000 1.000 1.000
*Excludes Paid Allocated Expense
Loss Development Factors 15 to 123 months = 1.101
27 to 123 months = 1.014
39 to 123 months = 1.004
51 to 123 months = 1.002
Countrywide - Tort States** Indemnity
Calculation of Loss Development Factors
PROPERTY DAMAGE

Bulletin 23
Page 24
Accident
Paid Loss*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 19,092,559 21,651,422 21,361,768 21,190,557 21,151,277 21,319,578 21,329,983 21,326,270 21,326,395 21,331,727
1999 18,786,745 21,236,212 20,821,964 20,519,239 20,452,520 20,411,431 20,394,349 20,403,403 20,406,522 20,406,522
2000 17,196,848 19,538,660 18,896,766 18,521,885 18,362,137 18,328,118 18,342,338 18,333,529 18,336,548 18,336,335
2001 12,303,852 13,454,499 12,924,068 12,652,447 12,592,325 12,550,234 12,560,317 12,560,317 12,560,004 12,560,091
2002 10,287,323 11,151,007 10,566,971 10,290,111 10,196,683 10,178,657 10,178,384 10,180,449 10,184,040
2003 6,646,196 7,266,192 7,156,874 7,041,460 6,990,579 7,007,739 7,007,264 7,003,664
2004 5,749,921 6,088,010 5,839,293 5,737,512 5,706,949 5,703,978 5,700,189
2005 4,623,117 5,014,098 4,793,684 4,660,034 4,629,748 4,629,979
2006 3,697,968 3,975,587 3,813,048 3,679,670 3,650,011
2007 3,024,997 3,455,352 3,309,519 3,274,782
2008 2,856,803 2,895,942 2,783,255
2009 3,479,467 3,562,014
2010 3,765,773
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.075 0.956 0.983 0.993 0.998 1.001 1.000 1.000 1.000
2nd Prior 1.142 0.959 0.972 0.995 1.002 1.000 1.000 1.000 1.000
1st Prior 1.014 0.958 0.965 0.994 0.999 1.000 1.000 1.000 1.000
Latest 1.024 0.961 0.990 0.992 1.000 0.999 0.999 1.000 1.000
Average 1.064 0.959 0.977 0.993 1.000 1.000 1.000 1.000 1.000
*Excludes Paid Allocated Expense
Loss Development Factors 15 to 123 months = 0.990
27 to 123 months = 0.930
39 to 123 months = 0.971
51 to 123 months = 0.993
Countrywide - Tort States** Indemnity
Calculation of Loss Development Factors
PERSONAL INJURY PROTECTION

Bulletin 23
Page 25
Accident
Paid Loss*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 31,075,764 46,755,492 54,914,753 59,511,265 61,813,901 62,812,981 63,659,697 63,795,262 63,960,337 63,959,487
1999 33,327,011 49,438,601 57,305,295 62,243,872 64,821,386 65,663,711 65,854,808 66,108,003 66,154,480 66,178,053
2000 34,893,903 52,227,932 60,309,201 63,840,002 65,474,480 67,304,568 67,848,235 67,937,086 68,118,351 68,108,173
2001 29,358,949 43,117,742 50,036,520 52,663,020 54,327,530 54,655,673 54,929,221 55,127,867 55,307,172 55,336,744
2002 24,212,707 35,592,951 40,809,629 43,380,273 44,631,905 45,264,060 45,542,084 45,643,653 45,685,577
2003 20,019,100 28,442,026 33,192,020 35,406,677 36,480,607 36,954,372 37,156,256 37,365,507
2004 17,314,089 24,667,868 28,030,248 29,705,519 30,520,078 30,758,279 31,122,694
2005 14,314,284 20,388,509 23,333,702 24,591,883 25,300,704 26,046,945
2006 13,043,102 19,071,661 21,772,889 22,853,893 23,745,347
2007 10,822,316 15,553,634 18,224,813 19,425,113
2008 9,073,796 13,418,272 15,705,804
2009 9,683,300 15,249,026
2010 10,434,607
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.462 1.144 1.060 1.030 1.014 1.005 1.001 1.001 1.000
2nd Prior 1.437 1.142 1.054 1.027 1.013 1.006 1.004 1.003 1.000
1st Prior 1.479 1.172 1.050 1.029 1.008 1.005 1.002 1.003 1.000
Latest 1.575 1.170 1.066 1.039 1.029 1.012 1.006 1.001 1.001
Average 1.488 1.157 1.057 1.031 1.016 1.007 1.003 1.002 1.000
*Excludes Paid Allocated Expense
Loss Development Factors 15 to 123 months = 1.932
27 to 123 months = 1.298
39 to 123 months = 1.122
51 to 123 months = 1.061
Countrywide - Tort States** Indemnity
Calculation of Loss Development Factors
UNINSURED / UNDERINSURED MOTORISTS

Bulletin 23
Page 26
Accident
Paid Loss*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 315,833,560 309,498,221 308,475,163 307,597,199 307,518,038 307,720,414 307,725,033 307,708,058 307,696,085 307,690,084
1999 336,858,939 328,751,856 327,307,896 326,973,981 327,054,629 327,006,893 327,004,984 327,004,745 327,003,195 326,996,184
2000 367,648,692 360,002,083 359,044,203 358,834,617 358,697,566 358,683,113 358,678,789 358,673,043 358,660,350 358,654,423
2001 294,272,803 288,478,925 287,725,518 287,569,432 287,506,648 287,471,124 287,477,046 287,494,365 287,493,423 287,496,335
2002 237,374,092 233,282,485 232,882,174 232,896,792 232,851,896 232,831,308 232,829,383 232,824,798 232,812,085
2003 189,392,183 185,934,350 185,700,466 185,615,009 185,568,813 185,535,222 185,519,619 185,510,347
2004 160,077,514 157,157,985 156,756,979 156,712,371 156,670,349 156,671,277 156,650,095
2005 140,457,383 138,181,458 138,079,454 138,043,906 137,994,410 137,972,028
2006 118,297,943 116,255,315 116,179,891 116,172,727 116,137,840
2007 102,410,080 101,146,871 101,046,768 101,058,863
2008 85,472,331 83,514,859 83,380,651
2009 70,572,529 69,407,246
2010 60,284,670
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 0.983 0.999 1.000 1.000 1.000 1.000 1.000 1.000 1.000
2nd Prior 0.988 0.999 1.000 1.000 1.000 1.000 1.000 1.000 1.000
1st Prior 0.977 0.999 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Latest 0.983 0.998 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Average 0.983 0.999 1.000 1.000 1.000 1.000 1.000 1.000 1.000
*Excludes Paid Allocated Expense
Loss Development Factors 15 to 123 months = 0.981
27 to 123 months = 0.998
39 to 123 months = 0.999
51 to 123 months = 1.000
Countrywide - Tort States** Indemnity
Calculation of Loss Development Factors
COLLISION

Bulletin 23
Page 27
Accident
Paid Loss*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 127,979,954 128,023,592 127,924,771 127,868,188 127,858,121 128,239,939 128,236,021 128,229,002 128,217,652 128,212,931
1999 132,176,504 132,579,161 132,452,811 132,433,645 132,474,745 132,446,876 132,399,364 132,392,863 132,391,105 132,395,641
2000 145,559,450 146,477,619 146,556,218 146,488,600 146,428,336 146,418,380 146,412,838 146,404,252 146,379,010 146,369,951
2001 119,894,862 120,739,812 120,638,306 120,629,849 120,596,048 120,585,352 120,572,929 120,573,783 120,569,187 120,568,768
2002 93,138,842 94,043,623 94,044,449 94,039,382 94,060,248 94,076,860 94,071,665 94,072,767 94,069,769
2003 70,411,611 70,798,563 70,757,258 70,787,827 70,791,147 70,797,335 70,782,380 70,773,204
2004 55,299,585 55,356,217 55,397,466 55,357,734 55,332,040 55,341,331 55,355,879
2005 45,759,419 46,148,020 46,161,873 46,141,589 46,114,917 46,102,644
2006 38,980,052 39,467,551 39,485,802 39,487,864 39,464,191
2007 33,313,149 33,847,392 33,839,631 33,824,397
2008 29,148,167 29,694,448 29,807,274
2009 24,622,148 24,821,228
2010 21,522,198
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.013 1.000 0.999 1.000 1.000 1.000 1.000 1.000 1.000
2nd Prior 1.016 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
1st Prior 1.019 1.000 1.000 0.999 1.000 1.000 1.000 1.000 1.000
Latest 1.008 1.004 1.000 0.999 1.000 1.000 1.000 1.000 1.000
Average 1.014 1.001 1.000 1.000 1.000 1.000 1.000 1.000 1.000
*Excludes Paid Allocated Expense
Loss Development Factors 15 to 123 months = 1.014
27 to 123 months = 1.000
39 to 123 months = 0.999
51 to 123 months = 0.999
Countrywide - Tort States** Indemnity
Calculation of Loss Development Factors
COMPREHENSIVE

Bulletin 23
Page 28
Accident
Incurred Loss Including Allocated Expense*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 211,555,341 278,366,774 311,405,788 334,245,491 340,031,037 343,383,642 344,567,288 345,617,933 345,984,820 346,619,805
1999 234,466,670 300,354,661 337,452,267 356,014,463 363,386,868 365,678,249 366,662,524 367,276,028 367,414,953 367,526,803
2000 240,714,340 304,886,741 336,596,594 349,948,091 355,369,658 357,559,945 358,786,375 359,559,707 359,956,496 361,590,223
2001 193,678,638 248,787,387 274,004,889 282,679,541 286,447,781 288,864,380 290,536,381 290,882,508 291,160,144 291,370,252
2002 165,420,307 205,137,860 223,858,872 230,757,766 234,257,054 235,665,737 236,325,376 236,766,765 236,934,524
2003 137,302,430 169,741,748 183,754,086 189,165,465 191,729,315 192,859,110 193,389,528 193,508,755
2004 119,820,415 143,667,012 154,970,002 160,370,648 162,616,578 163,319,199 163,831,668
2005 103,597,530 124,674,415 134,126,490 139,480,011 142,342,445 143,508,872
2006 90,973,277 107,616,017 116,943,506 120,818,879 122,714,650
2007 81,254,983 98,554,582 108,147,023 113,224,625
2008 71,321,437 86,285,674 90,539,910
2009 81,306,611 95,428,311
2010 83,575,363
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.183 1.076 1.035 1.014 1.006 1.006 1.002 1.000 1.002
2nd Prior 1.213 1.087 1.040 1.014 1.006 1.003 1.001 1.001 1.000
1st Prior 1.210 1.097 1.033 1.021 1.004 1.003 1.002 1.001 1.005
Latest 1.174 1.049 1.047 1.016 1.008 1.003 1.001 1.001 1.001
Average 1.195 1.077 1.039 1.016 1.006 1.004 1.001 1.001 1.002
*Includes Supplemental Reserves
Loss Development Factors 15 to 159 months = 1.377
27 to 159 months = 1.153
39 to 159 months = 1.070
51 to 159 months = 1.030
Countrywide - Tort States** Indemnity
Calculation of Loss Development Factors
BODILY INJURY

Bulletin 23
Page 29
Accident
Incurred Loss Including Allocated Expense*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 254,516,389 258,778,134 260,582,648 261,356,227 261,385,850 261,367,601 261,366,801 261,391,756 261,380,994 261,403,441
1999 284,449,974 284,336,826 287,763,619 287,788,451 288,028,979 288,000,800 287,941,069 287,899,788 287,911,780 287,993,847
2000 295,752,114 301,900,603 304,362,647 305,026,158 304,878,879 304,796,414 304,840,111 304,831,129 304,803,319 304,780,323
2001 244,440,421 249,513,090 252,351,998 252,147,967 251,965,053 251,920,131 251,904,845 251,918,708 251,966,348 251,949,406
2002 205,629,952 209,879,471 209,987,896 210,029,787 209,779,694 209,801,277 209,794,892 209,788,556 209,755,916
2003 168,267,122 169,572,758 170,791,916 170,671,128 170,619,066 170,584,103 170,608,392 170,561,679
2004 144,199,731 147,103,898 148,144,588 147,870,454 147,910,154 147,844,911 147,806,162
2005 129,603,761 133,065,936 133,912,049 133,853,617 133,824,607 133,742,530
2006 114,051,939 114,965,418 115,777,217 116,014,170 115,905,850
2007 101,487,358 101,254,318 101,521,688 101,585,070
2008 86,572,282 88,674,313 88,504,849
2009 86,331,297 86,334,789
2010 82,305,768
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.008 1.006 0.998 1.000 1.000 1.000 1.000 1.000 1.000
2nd Prior 0.998 1.007 1.000 1.000 1.000 1.000 1.000 1.000 1.000
1st Prior 1.024 1.003 1.002 1.000 1.000 1.000 1.000 1.000 1.000
Latest 1.000 0.998 1.001 0.999 0.999 1.000 1.000 1.000 1.000
Average 1.008 1.004 1.000 1.000 1.000 1.000 1.000 1.000 1.000
*Includes Supplemental Reserves
Loss Development Factors 15 to 123 months = 1.011
27 to 123 months = 1.003
39 to 123 months = 0.999
51 to 123 months = 0.999
Countrywide - Tort States** Indemnity
Calculation of Loss Development Factors
PROPERTY DAMAGE

Bulletin 23
Page 30
Accident
Incurred Loss Including Allocated Expense*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 24,205,739 22,712,173 22,338,406 22,059,403 22,074,282 22,232,042 22,272,411 22,271,512 22,267,311 22,272,748
1999 23,267,602 22,451,629 21,573,981 21,240,023 21,190,316 21,109,665 21,095,141 21,104,431 21,104,999 21,104,999
2000 21,132,579 20,337,881 21,122,791 19,233,754 19,037,867 18,962,711 18,976,682 18,967,872 18,970,891 18,970,678
2001 14,740,563 13,957,703 13,351,692 13,045,843 12,988,985 12,946,278 12,956,362 12,956,362 12,955,999 12,956,086
2002 12,294,165 11,499,101 10,871,849 10,574,498 10,484,349 10,465,462 10,465,189 10,467,855 10,471,445
2003 7,900,292 7,561,837 7,630,421 7,508,487 7,461,873 7,476,576 7,476,601 7,473,001
2004 6,645,756 6,278,652 5,998,568 5,901,068 5,875,406 5,873,435 5,868,876
2005 5,508,139 5,204,877 5,000,189 4,851,988 4,817,786 4,818,314
2006 4,370,813 4,185,433 3,928,896 3,803,747 3,784,241
2007 3,903,985 3,616,648 3,466,023 3,516,438
2008 3,155,974 2,953,918 2,830,428
2009 3,792,322 3,655,888
2010 4,174,545
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 0.958 0.961 0.984 0.994 0.998 1.001 1.000 1.000 1.000
2nd Prior 0.926 0.939 0.970 0.996 1.002 1.000 1.000 1.000 1.000
1st Prior 0.936 0.958 0.968 0.993 1.000 1.000 1.000 1.000 1.000
Latest 0.964 0.958 1.015 0.995 1.000 0.999 1.000 1.000 1.000
Average 0.946 0.954 0.984 0.994 1.000 1.000 1.000 1.000 1.000
*Includes Supplemental Reserves
Loss Development Factors 15 to 123 months = 0.883
27 to 123 months = 0.934
39 to 123 months = 0.979
51 to 123 months = 0.994
Countrywide - Tort States** Indemnity
Calculation of Loss Development Factors
PERSONAL INJURY PROTECTION

Bulletin 23
Page 31
Accident
Incurred Loss Including Allocated Expense*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 45,273,080 57,390,307 64,326,415 67,815,430 69,427,740 70,273,217 70,605,062 70,668,997 70,768,545 70,777,118
1999 48,887,905 60,424,404 67,323,204 70,373,601 72,685,259 73,200,968 73,315,319 73,379,034 73,359,512 73,414,630
2000 50,519,771 62,819,586 68,417,467 70,180,818 71,228,081 72,826,017 73,401,456 73,421,859 73,616,243 73,655,397
2001 41,893,855 51,382,284 55,860,428 57,534,875 58,652,625 58,898,835 59,064,761 59,165,090 59,410,971 59,483,193
2002 35,294,992 42,423,520 45,638,230 47,755,089 48,518,916 49,000,875 49,011,480 49,100,496 49,118,416
2003 28,713,984 34,128,828 37,558,195 39,008,133 39,911,321 40,253,921 40,278,376 40,465,022
2004 24,446,610 29,159,169 31,282,596 32,317,753 32,579,270 32,735,035 32,909,861
2005 20,577,819 24,369,959 25,984,138 26,787,313 27,522,583 28,065,875
2006 19,138,936 22,733,193 24,386,806 25,157,560 25,701,478
2007 16,238,179 19,044,346 20,865,015 21,580,160
2008 12,746,414 16,606,115 17,701,351
2009 15,564,643 18,823,003
2010 15,717,675
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.188 1.066 1.033 1.023 1.010 1.003 1.000 1.000 1.000
2nd Prior 1.173 1.073 1.031 1.008 1.009 1.000 1.002 1.003 1.001
1st Prior 1.303 1.096 1.032 1.027 1.005 1.001 1.002 1.004 1.001
Latest 1.209 1.066 1.034 1.022 1.020 1.005 1.005 1.000 1.001
Average 1.218 1.075 1.032 1.020 1.011 1.002 1.002 1.002 1.001
*Includes Supplemental Reserves
Loss Development Factors 15 to 123 months = 1.404
27 to 123 months = 1.152
39 to 123 months = 1.072
51 to 123 months = 1.038
Countrywide - Tort States** Indemnity
Calculation of Loss Development Factors
UNINSURED / UNDERINSURED MOTORISTS

Bulletin 23
Page 32
Accident
Incurred Loss Including Allocated Expense*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 322,286,278 311,367,777 310,268,659 309,391,467 309,350,523 309,621,753 309,582,405 309,635,915 309,658,015 309,655,243
1999 344,504,748 330,375,062 328,479,096 328,138,321 328,332,683 328,171,736 328,186,160 328,184,857 328,183,580 328,178,610
2000 377,725,090 361,280,925 360,054,797 359,813,944 359,553,532 359,585,328 359,629,111 359,582,074 359,577,212 359,571,550
2001 296,325,397 289,326,771 288,620,730 288,380,056 288,288,482 288,180,635 288,186,738 288,205,201 288,165,118 288,168,229
2002 241,870,688 234,107,453 233,489,814 233,442,191 233,461,924 233,404,656 233,410,221 233,402,458 233,390,431
2003 194,434,236 186,636,141 186,234,745 186,186,164 186,141,449 186,110,839 186,096,885 186,087,957
2004 164,085,249 157,637,018 157,139,297 157,113,056 157,076,774 157,080,847 157,060,828
2005 142,948,586 138,929,947 138,863,565 138,817,740 138,741,498 138,728,388
2006 121,756,163 117,154,646 117,122,981 117,003,446 116,825,548
2007 105,043,258 101,605,894 101,528,615 101,534,369
2008 87,460,879 84,190,859 83,816,438
2009 73,277,278 69,906,649
2010 61,899,396
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 0.962 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
2nd Prior 0.967 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
1st Prior 0.963 0.999 0.999 0.999 1.000 1.000 1.000 1.000 1.000
Latest 0.954 0.996 1.000 0.998 1.000 1.000 1.000 1.000 1.000
Average 0.962 0.999 1.000 0.999 1.000 1.000 1.000 1.000 1.000
*Includes Supplemental Reserves
Loss Development Factors 15 to 123 months = 0.959
27 to 123 months = 0.997
39 to 123 months = 0.999
51 to 123 months = 0.999
Countrywide - Tort States** Indemnity
Calculation of Loss Development Factors
COLLISION

Bulletin 23
Page 33
Accident
Incurred Loss Including Allocated Expense*
Year Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 134,516,884 130,922,059 130,490,512 130,112,114 130,079,568 130,479,243 130,405,840 130,390,257 130,379,509 130,376,935
1999 135,861,460 135,308,660 134,884,454 134,642,847 134,599,145 134,591,835 134,537,023 134,522,233 134,519,931 134,524,449
2000 148,937,789 148,330,101 148,274,093 148,179,919 148,079,527 148,023,833 148,035,968 148,000,967 147,975,506 147,966,275
2001 122,458,790 122,208,030 122,042,122 121,884,368 121,842,123 121,836,009 121,825,163 121,785,362 121,765,153 121,741,576
2002 94,883,702 95,363,405 95,351,107 95,204,523 95,258,977 95,353,304 95,368,495 95,384,600 95,335,285
2003 72,691,623 71,730,266 71,949,070 71,966,635 71,956,800 71,921,217 71,910,170 71,900,994
2004 56,956,586 56,142,889 56,014,966 55,960,741 55,931,407 55,915,824 55,930,377
2005 46,414,106 47,085,942 46,737,272 46,681,838 46,628,233 46,572,236
2006 39,959,569 40,071,165 40,032,193 40,000,346 39,917,452
2007 34,918,704 34,322,775 34,302,511 34,280,002
2008 30,501,712 30,276,835 30,291,644
2009 26,859,580 25,337,575
2010 22,769,689
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.003 0.993 0.999 1.000 1.001 1.000 1.000 1.000 1.000
2nd Prior 0.983 0.999 0.999 0.999 1.000 1.000 1.000 1.000 1.000
1st Prior 0.993 0.999 0.999 0.999 1.000 1.000 1.000 1.000 1.000
Latest 0.943 1.000 0.999 0.998 0.999 1.000 1.000 0.999 1.000
Average 0.980 0.998 0.999 0.999 1.000 1.000 1.000 1.000 1.000
*Includes Supplemental Reserves
Loss Development Factors 15 to 123 months = 0.976
27 to 123 months = 0.995
39 to 123 months = 0.998
51 to 123 months = 0.998
Countrywide - Tort States** Indemnity
Calculation of Loss Development Factors
COMPREHENSIVE

Bulletin 23
Page 34
Accident Year
Paid Allocated Expense
Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 4,046,254 14,830,773 27,506,623 37,557,516 42,416,990 44,588,560 45,351,448 45,826,086 46,078,841 46,393,305
1999 3,986,804 12,916,186 24,984,308 33,320,192 37,269,468 38,871,646 39,528,312 39,962,161 40,106,099 40,155,322
2000 3,010,888 11,919,578 22,015,001 28,783,716 31,936,893 33,432,065 34,178,823 34,638,018 35,087,455 35,478,579
2001 2,779,606 9,843,233 17,547,728 22,604,833 25,147,078 26,468,610 26,928,352 27,268,793 27,419,368 27,533,572
2002 2,256,063 7,499,275 13,566,905 17,722,152 19,972,804 20,936,052 21,321,417 21,502,360 21,595,842
2003 1,982,872 6,134,175 10,906,130 14,526,538 16,514,345 17,295,021 17,631,420 17,764,581
2004 1,970,867 5,639,884 9,990,148 13,214,933 14,597,264 15,232,987 15,489,416
2005 1,616,509 4,749,620 8,523,248 11,364,206 12,993,636 13,877,581
2006 1,313,576 4,005,461 7,308,975 9,525,926 10,466,314
2007 1,280,800 3,531,675 6,333,732 8,719,240
2008 972,025 3,189,234 5,411,209
2009 1,188,596 3,704,542
2010 1,014,100
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 3.049 1.795 1.323 1.137 1.048 1.017 1.013 1.004 1.007
2nd Prior 2.757 1.825 1.333 1.105 1.047 1.018 1.013 1.013 1.001
1st Prior 3.281 1.793 1.303 1.143 1.044 1.019 1.008 1.006 1.011
Latest 3.117 1.697 1.377 1.099 1.068 1.017 1.008 1.004 1.004
Average 3.051 1.777 1.334 1.121 1.052 1.018 1.011 1.007 1.006
Loss Development Factors 15 to 159 months = 8.883
27 to 159 months = 2.911
39 to 159 months = 1.638
51 to 159 months = 1.228
Countrywide - Tort States** Indemnity
Calculation of Loss Development Factors
BODILY INJURY

Bulletin 23
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Accident Year
Paid Allocated Expense
Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 1,580,098 1,976,318 2,168,800 2,295,355 2,349,277 2,364,534 2,369,115 2,382,868 2,383,297 2,383,297
1999 1,381,435 1,727,758 1,964,951 2,087,899 2,149,009 2,185,045 2,194,658 2,195,347 2,197,647 2,197,647
2000 1,028,061 1,437,161 1,684,479 1,811,636 1,857,618 1,872,342 1,877,654 1,926,252 1,926,252 1,928,052
2001 927,349 1,242,097 1,397,217 1,451,109 1,493,877 1,511,981 1,516,191 1,515,929 1,515,929 1,515,929
2002 829,681 1,082,300 1,224,059 1,293,186 1,315,056 1,329,357 1,335,917 1,337,868 1,338,065
2003 696,406 898,164 1,005,316 1,046,392 1,070,876 1,069,783 1,076,556 1,076,581
2004 592,098 792,285 889,992 930,948 952,580 963,522 964,537
2005 508,487 706,365 975,425 1,012,855 1,034,798 1,048,912
2006 557,742 689,265 736,903 761,897 778,123
2007 547,462 657,440 721,618 745,306
2008 419,895 566,761 645,488
2009 283,056 410,458
2010 323,953
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.236 1.381 1.046 1.023 1.011 1.003 1.026 1.001 1.000
2nd Prior 1.201 1.069 1.038 1.023 0.999 1.005 1.000 1.000 1.000
1st Prior 1.350 1.098 1.034 1.022 1.011 1.006 1.001 1.000 1.001
Latest 1.450 1.139 1.033 1.021 1.014 1.001 1.000 1.000 1.000
Average 1.309 1.172 1.038 1.022 1.009 1.004 1.007 1.000 1.000
Loss Development Factors 15 to 123 months = 1.660
27 to 123 months = 1.268
39 to 123 months = 1.082
51 to 123 months = 1.043
Countrywide - Tort States** Indemnity
Calculation of Loss Development Factors
PROPERTY DAMAGE
**Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, D.C., Georgia, Idaho, Illinois, Indiana, Iowa, Louisiana, Maine,
Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Rhode Island,
South Carolina, South Dakota, Tennessee, Texas, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming

Bulletin 23
Page 36
Accident Year
Paid Allocated Expense
Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 360,347 736,045 843,350 853,184 867,336 906,462 928,182 939,252 940,915 941,020
1999 395,922 620,850 677,894 689,115 696,008 698,183 698,242 698,477 698,477 698,477
2000 286,278 511,308 603,939 615,478 633,043 634,343 634,343 634,343 634,343 634,343
2001 196,194 337,775 371,795 387,675 392,354 396,044 396,044 396,044 395,994 395,994
2002 125,221 229,405 259,923 281,383 285,666 286,806 286,806 287,406 287,406
2003 78,448 162,594 204,926 238,135 245,322 245,623 246,123 246,123
2004 50,875 135,249 152,122 159,787 164,457 165,457 166,117
2005 58,158 126,081 187,669 188,038 188,038 188,335
2006 48,532 104,225 111,606 119,835 129,988
2007 48,892 81,061 140,349 241,657
2008 11,763 31,912 36,849
2009 35,885 69,076
2010 78,253
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 2.148 1.488 1.050 1.030 1.004 1.000 1.000 1.000 1.000
2nd Prior 1.658 1.071 1.002 1.029 1.001 1.000 1.000 1.000 1.000
1st Prior 2.713 1.731 1.074 1.000 1.006 1.002 1.002 1.000 1.000
Latest 1.925 1.155 1.722 1.085 1.002 1.004 1.000 1.000 1.000
Average 2.111 1.361 1.212 1.036 1.003 1.002 1.001 1.000 1.000
Loss Development Factors 15 to 123 months = 3.627
27 to 123 months = 1.718
39 to 123 months = 1.262
51 to 123 months = 1.041
Countrywide - Tort States** Indemnity
Calculation of Loss Development Factors
PERSONAL INJURY PROTECTION
**Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, D.C., Georgia, Idaho, Illinois, Indiana, Iowa, Louisiana, Maine,
Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Rhode Island,
South Carolina, South Dakota, Tennessee, Texas, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming

Bulletin 23
Page 37
Accident Year
Paid Allocated Expense
Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 672,182 2,288,626 4,119,141 5,235,288 5,853,894 6,409,291 6,633,207 6,703,152 6,713,295 6,717,245
1999 598,284 1,955,777 3,699,843 5,286,350 6,559,197 6,929,023 7,039,732 7,094,937 7,106,896 7,113,331
2000 382,038 1,620,539 2,983,363 3,799,306 4,363,183 5,083,811 5,304,959 5,430,872 5,483,362 5,503,963
2001 366,930 1,248,073 2,282,003 3,014,682 3,464,835 3,645,338 3,754,929 3,843,023 3,971,444 3,984,893
2002 320,173 1,035,192 1,918,986 2,693,013 3,042,393 3,248,297 3,308,425 3,337,553 3,391,078
2003 251,144 978,908 1,744,961 2,308,597 2,661,131 2,846,292 2,914,292 2,960,643
2004 206,585 666,075 1,185,519 1,492,662 1,646,677 1,724,928 1,734,995
2005 176,229 620,893 1,054,737 1,328,913 1,546,642 1,736,555
2006 158,757 487,916 983,874 1,330,110 1,489,616
2007 157,271 484,507 820,959 1,156,470
2008 106,890 401,646 656,980
2009 147,508 415,946
2010 117,997
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 3.073 1.699 1.259 1.153 1.068 1.030 1.024 1.002 1.001
2nd Prior 3.081 2.016 1.260 1.103 1.070 1.019 1.023 1.010 1.001
1st Prior 3.758 1.694 1.352 1.164 1.048 1.024 1.009 1.033 1.004
Latest 2.820 1.636 1.409 1.120 1.123 1.006 1.016 1.016 1.003
Average 3.183 1.761 1.320 1.135 1.077 1.020 1.018 1.015 1.002
Loss Development Factors 15 to 123 months = 9.550
27 to 123 months = 3.000
39 to 123 months = 1.703
51 to 123 months = 1.291
Countrywide - Tort States** Indemnity
Calculation of Loss Development Factors
UNINSURED / UNDERINSURED MOTORISTS
**Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, D.C., Georgia, Idaho, Illinois, Indiana, Iowa, Louisiana, Maine,
Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Rhode Island,
South Carolina, South Dakota, Tennessee, Texas, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming

Bulletin 23
Page 38
Accident Year
Paid Allocated Expense
Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 1,166,610 1,356,626 1,517,359 1,669,882 1,772,485 1,821,338 1,857,372 1,927,857 1,961,930 1,965,159
1999 845,040 1,008,133 1,051,836 1,086,547 1,158,054 1,164,843 1,177,970 1,180,111 1,180,385 1,182,426
2000 634,971 769,207 829,193 852,658 855,966 859,009 870,322 909,031 916,862 917,128
2001 504,562 603,683 638,994 650,624 661,834 669,511 669,692 670,836 671,695 671,895
2002 372,597 475,907 524,771 545,400 570,028 573,348 575,237 577,659 578,346
2003 317,503 396,475 454,279 531,155 572,636 575,617 577,266 577,609
2004 204,700 261,988 382,318 397,960 406,426 409,569 410,733
2005 228,125 469,913 642,074 693,834 707,088 716,361
2006 248,220 505,046 603,103 630,719 647,708
2007 193,758 334,275 393,646 431,793
2008 148,078 287,341 353,732
2009 135,158 244,550
2010 112,837
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 2.035 1.366 1.041 1.078 1.006 1.000 1.044 1.000 1.002
2nd Prior 1.725 1.194 1.081 1.021 1.005 1.003 1.002 1.009 1.002
1st Prior 1.940 1.178 1.046 1.019 1.008 1.003 1.004 1.001 1.000
Latest 1.809 1.231 1.097 1.027 1.013 1.003 1.001 1.001 1.000
Average 1.877 1.242 1.066 1.036 1.008 1.002 1.013 1.003 1.001
Loss Development Factors 15 to 123 months = 2.647
27 to 123 months = 1.410
39 to 123 months = 1.135
51 to 123 months = 1.064
Countrywide - Tort States** Indemnity
Calculation of Loss Development Factors
COLLISION
**Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, D.C., Georgia, Idaho, Illinois, Indiana, Iowa, Louisiana, Maine,
Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Rhode Island,
South Carolina, South Dakota, Tennessee, Texas, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming

Bulletin 23
Page 39
Accident Year
Paid Allocated Expense
Ending Mar. 15 Months 27 Months 39 Months 51 Months 63 Months 75 Months 87 Months 99 Months 111 Months 123 Months
1998 1,520,146 1,889,513 2,016,474 2,094,265 2,141,447 2,169,829 2,169,819 2,161,255 2,161,857 2,164,003
1999 1,649,577 1,986,506 2,088,167 2,102,467 2,124,399 2,121,801 2,114,501 2,129,369 2,128,826 2,128,808
2000 1,140,212 1,411,172 1,517,874 1,552,372 1,583,605 1,572,059 1,583,130 1,596,715 1,596,496 1,596,324
2001 909,957 1,069,949 1,123,084 1,155,178 1,160,959 1,165,541 1,167,118 1,172,779 1,172,808 1,172,808
2002 685,830 927,325 1,003,794 1,069,252 1,136,771 1,230,128 1,246,516 1,265,516 1,265,516
2003 538,097 653,419 912,005 1,109,581 1,119,337 1,123,883 1,127,791 1,127,791
2004 391,324 462,794 515,370 534,271 553,443 574,494 574,499
2005 335,535 413,240 444,235 434,121 434,098 436,198
2006 275,455 349,321 363,095 375,010 384,524
2007 259,343 356,386 369,392 380,453
2008 272,292 380,172 438,371
2009 314,790 395,195
2010 259,304
LOSS DEVELOPMENT FACTORS
Development 15 to 27 27 to 39 39 to 51 51 to 63 63 to 75 75 to 87 87 to 99 99 to 111 111 to 123
3rd Prior 1.268 1.075 1.037 1.009 1.082 1.001 1.009 1.000 1.001
2nd Prior 1.374 1.039 0.977 1.036 1.004 1.013 1.005 1.000 1.000
1st Prior 1.396 1.036 1.033 1.000 1.038 1.003 1.015 1.000 1.000
Latest 1.255 1.153 1.030 1.025 1.005 1.000 1.000 1.000 1.000
Average 1.323 1.076 1.019 1.017 1.032 1.005 1.007 1.000 1.000
Loss Development Factors 15 to 123 months = 1.543
27 to 123 months = 1.165
39 to 123 months = 1.083
51 to 123 months = 1.063
Countrywide - Tort States** Indemnity
Calculation of Loss Development Factors
COMPREHENSIVE
**Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, D.C., Georgia, Idaho, Illinois, Indiana, Iowa, Louisiana, Maine,
Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Rhode Island,
South Carolina, South Dakota, Tennessee, Texas, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming

Automobile Liability Insurance
Other Taxes Prem & Fire Tax
2007 2008 2009 2009
1. Direct Premiums Written $719,891 $666,686 $1,195,601 $1,195,601
2. Taxes* $2,408 $1,732 $2,128 $24,629
3. Ratio (2) / (1) 0.00335 0.00260 0.00178 0.02060
4. Three Year Total 0.00257 0.02060
5. Proposed Provision 2.32%
Automobile Physical Damage Insurance
Other Taxes Prem & Fire Tax
2007 2008 2009 2009
1. Direct Premiums Written $310,082 $297,536 $419,600 $419,600
2. Taxes* $367 $244 $267 $8,644
3. Ratio (2) / (1) 0.00118 0.00082 0.00064 0.021
4. Three Year Total 0.00088 0.021
5. Proposed Provision 2.15%
*Does not include Federal Income Taxes
ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTOMOBILE INSURANCE
DELAWARE TAXES
2007, 2008, 2009
Bulletin 23
Page 40

ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTOMOBILE INSURANCE
DELAWARE LICENSES & FEES
2007, 2008, 2009
Automobile Liability Insurance
2007 2008 2009
1. Direct Premiums Written $666,686 $1,195,601 $1,544,642
2. Licenses & Fees $985 $1,609 $2,611
3. Ratio (2) / (1) 0.00148 0.00135 0.00169
4. Three Year Total 0.00150
5. Proposed Provision 0.15%
Automobile Physical Damage Insurance
2007 2008 2009
1. Direct Premiums Written $297,536 $419,600 $524,544
2. Licenses & Fees $439 $550 $886
3. Ratio (2) / (1) 0.00148 0.00131 0.00169
4. Three Year Total 0.00149
5. Proposed Provision 0.15%
Bulletin 23
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ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTOMOBILE
DELAWARE
DERIVATION OF COMMISSION & BROKERAGE EXPENSE PROVISION
(1) 2009 Written Premium
Allstate Indemnity Company $1,615,202
(2) 2009 Commission & Brokerage Expense of the Annual Statement
Allstate Indemnity Company $122,024
(3) 2009 Commission & Brokerage Expense Provision 7.6%
(2)/(1)
(4) Overall Commission & Brokerage Expense Provision 7.6%
for Delaware
Bulletin 23
Page 42

ALLSTATE INDEMNITY COMPANY
PRIVATE PASSENGER AUTOMOBILE
DELAWARE
DEVELOPMENT OF EXPECTED LOSSES AND LOSS ADJUSTMENT RATIO
Liability Collision Comprehensive
Commissions & Brokerage 7.6 % 7.6 % 7.6 %
Other Acquisition Expense 4.7 4.7 4.7
General Expense 4.8 4.8 4.8
Taxes, Licenses and Fees* 2.4 2.3 2.3
Underwriting Profit Provision 9.3 10.4 10.4
Debt Provision 1.3 1.3 1.3
Subtotal 30.1 31.1 31.1
Loss and Loss Adjustment 69.9 68.9 68.9
Total 100.0 100.0 100.0
*State Taxes - Does not include Federal Income Tax
Bulletin 23
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