The Hartford 2009 Annual Report Download - page 100

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Prior accident year reserve development
Net favorable reserve development of $51 in 2008 included a $46 release of auto liability reserves, primarily related to accident years
2005 to 2007 and a $24 release of reserves for extra-contractual liability claims under non-standard personal auto policies. Net
favorable reserve development of $4 in 2007 included a $16 release of reserves for loss and allocated loss and loss adjustment expenses
on Personal Lines auto liability claims for accident years 2002 to 2006.
Operating expenses
Amortization of deferred policy acquisition costs increased by $16, driven primarily by the increase in earned premium and the
amortization of a higher amount of acquisition costs for AARP business. Insurance operating costs and expenses increased by $11,
primarily due to an estimated $10 of assessments owed to TWIA in 2008. The expense ratio increased 0.4 points due to the increase in
insurance operating costs and expenses and the amortization of a higher amount of acquisition costs on AARP business.