Deferred Tax Assets And Liabilities (Details) (USD $) (USD $)	Dec. 31, 2012	Dec. 31, 2011
Deferred Tax Assets And Liabilities Details Usd
Discounting of loss reserves	$ 1,241,447	$ 1,331,432
Net unearned premium	1,104,384	1,099,386
Unearned Commission	388,624	385,637
Unearned policy fees	365,007	379,717
State income taxes	275,235	281,789
Bad debt reserve	430,944	477,096
Other deferred tax assets	108,761	114,191
Total deferred tax assets	3,914,402	4,069,248
Policy acquisition costs	1,588,442	1,748,455
Unrealized gains on investments	62,489	494,343
State tax on undistributed insurance company earnings	337,112	409,005
Depreciation	32,430	22,945
Other	0
Total deferred tax liabilities	2,020,473	2,674,748
Net deferred tax assets	$ 1,893,929	$ 1,394,500