our earnings third you, Good call. joining you morning, and conference quarter Paul. for Thank thank
underperformed, caused combined came A&H P&C underperformance. in-line diving segment while that issues While this our quarter, P&C our overall into in our outperformed, our ratio segment
what with $XX.X on of limit auto, development litigation year believe we higher to prior million We and realized related policies. small business by financing during increased primarily verdict driven quarter adverse the higher jury
underwriting host be In response to a actions to on line. business out that, include of that are cutting actions classes are we policies which appropriate certain territories. this other respect and we I There product with won't believe will high-limit have for but taking, actions call, we this review taken that taking
Our business lower profitable. limits remains
Also Midwest million contributing were on a the quarter, results book. $X during property our which non-cat net P&C weather elevated had in claims impact the our
approximate prior which of quarter’s $X an had million. development, cat impact had also We
accounts out. for is Lastly, day year we policy a but the some added days XXX level until first in out and the on tracking until we LPI, accounts significant Within reach doesn't new place one, one mature our product. loans lender-placed start
year, track loans offset additions, last meaningful expectations. the account This recent by our leads Given XX% revenue. performing from is to increase in our increased accordance which an well expense with line in a without product
Our well. performing personal product auto is extremely
total our X.X% gross personal business, strong XX% year-over-year, with now auto which While roughly personal written our premium total has vehicle XX% comprises year-over-year, of by our by business, increased increased direct-to-consumer margins.
starting likelihood loss we ratio analytic performing are, extremely customers which approach direct to an to factors have we and dividends. Contributing taken on based completed from a of auto well pay a rebrand business; just their targeting converting, our standpoint, of is retaining
for our states to thanks our A we their brand. revamping great channel increase the just And for auto experience, rates. our to and direct product online where on which conversion direct independent work. expect starting team amazing leveraging co-completion our enter in we are now to the special have we of process agency e-com We are significantly marketing and that
that is believe we more growth begin our the the softness on to subside. premium market channel trends agency see, based we pure independent While muted should on
have year-over-year diesel X.X% severity, As with by sure X.X%. that pure premium of index has primarily is being it by consumer industry roughly price increasing increasing BI you as by while read of been I many up am QX, driven
of staying been by trend great agency When loss trends, premium out to catches to that of We've up in industry that. beneficiary our a front be taking costs. equal independent should business pure the primary
& Turning to Accident Health.
able Our player. to team has spectacular been produce a
continues stop-loss small with business Our strong margin. growth group solid its
We comprised new a lot products medical our of product, and short-term which which segmentation. grew products, our X.X%. is more short-term individual Our medical recently supplemental at adds launched
written experienced business From gross with the a week able of launched XX% segmentation. that about additional power states premium value the increase. beginning September, when those of to year-over-year we're analytics is of the to a product ago, until lines from bring our we This
Using it's points, but were segments offsetting other we insight focused in data that point. you I performed there factors but XX%, expecting and we have well, would states, being additional data additional an are into accordingly. caution of top line our the growth as we exciting product overpriced against
also during enrollment to would open We a period our direct-to-consumer short-term growth this to contributor Avera well. medical as launched We be Avera brand. Health, expect
You'll XX% notice year-over-year of businesses. is our primarily technology third-party agency our fee million. This comprised to income $XX and increased by
HCI. One I'd out businesses of like agency our to is that or call HealthCompare
including at quarter. million revenue in marketing of We've revenue $X we of this HCI was fee various Medicare.org When to that $X.X topline strong the million HCI during margins. acquired about annually. should enhance the continue assets, acquired domain a January posted XXXX,
carriers under providers services of assets products provided generators. with $XX data lead technology CRM during comparative lead a technology Services million include Our the quarter. revenue marketplace, and integration full posted data and rating, our for capabilities
our CRM services capabilities a it turnkey other enhancements offer and agencies full within further solution. integrated added and to our acquired We
purchased clients the license proceeds of CRM in to One functionality the of utilizing CRM, resulted million. our $X.XX our which our company to
far arrangements, thus created. our EuroAccident we've and of forward values not We're about it's extremely the course during looking value we're closing feel sale QX. While that to the business longer-term such normal excited of of the to it's pursue we that building, indicative on
that our headwinds XX.X. combined the quarter, this all-in given despite of summary, platform, faced we experienced diversified we an In ratio
bottom continue expand our which to top We have believe of we a and line. lot exciting will initiatives,
over I'd like our the now financial review to to results. Mike of for turn further call
