DGICA — what changed in the latest 10-Q
A section-by-section comparison of DGICA's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-11-05 vs the prior 10-Q · 2026-08-04
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +6 | −4 | ~28 | 22 |
| Market risk (Item 3) | Text added/removed | 0 | 0 | ~1 | 1 |
| Controls & procedures | Text added/removed | 0 | 0 | ~1 | 3 |
| Risk factors | No material changes reported (points to the 10-K) | — | — | — | — |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Not shown (absent or not faithfully extractable): Legal proceedings, Other information
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-11-05
However, during the loss adjustment period, our insurance subsidiaries may learn additional facts regarding individual claims, and, consequently, it often becomes necessary for our insurance subsidiaries to refine and adjust their estimates for these liabilities. We reflect any adjustments to the li…
Net Investment (Losses) Gains. Net investment losses for the third quarter of 2026 were $0.7 million, Net investment gains for the third quarter of 2025 were $1.3 million. The net investment losses for the third quarter of 2026 were primarily related to net realized investment losses on the strategi…
Net Premiums Written. Our insurance subsidiaries’ net premiums written for the first nine months of 2026 were $675.4 million, a decrease of $25.1 million, or 3.6%, from the $700.5 million of net premiums written for the first nine months of 2025. Commercial lines net premiums written remained relati…
Our portfolio of fixed maturities and, to a lesser extent, our portfolio of short-term investments is subject to credit risk, which we define as the potential loss in market value resulting from adverse changes in the borrower’s ability to repay its debt. We manage this risk by having our investment…
Our insurance subsidiaries provide property and casualty insurance coverages through independent insurance agencies.
Text removed vs the prior filing · source: 10-Q · 2026-08-04
Net Investment Gains. Net investment gains for the second quarter of 2026 and 2025 were $3.3 million and $1.5 million, respectively. The net investment gains for the second quarter of 2026 and 2025 were primarily related to unrealized gains in the fair value of equity securities held at June 30, 202…
Net Premiums Written. Our insurance subsidiaries’ net premiums written for the first half of 2026 were $465.7 million, a decrease of $15.2 million, or 3.2%, from the $480.9 million of net premiums written for the first half of 2025. Commercial lines net premiums written increased $4.7 million, or 1.…
Our portfolio of fixed-maturity securities and, to a lesser extent, our portfolio of short-term investments is subject to credit risk, which we define as the potential loss in market value resulting from adverse changes in the borrower’s ability to repay its debt. We manage this risk by having our i…
Our insurance subsidiaries provide property and casualty insurance coverages through independent insurance agencies. We bill the majority of this business directly to the insured, although we bill a portion of our commercial business through licensed insurance agents to whom our insurance subsidiari…
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice