CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Share data, unless otherwise specified	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Revenue:
Gross premiums written	$ 119,459	$ 98,269	$ 96,410
Gross premiums ceded	(51,085)	(46,293)	(52,963)
Net premiums written	68,374	51,976	43,447
Increase (decrease) in prepaid reinsurance premiums	2,059	(2,656)	(2,108)
(Increase) decrease in unearned premiums	(11,074)	(797)	3,721
Net change in prepaid reinsurance premiums and unearned premiums	(9,015)	(3,453)	1,613
Net premiums earned	59,359	48,523	45,060
Commission income	1,377	994	1,388
Finance revenue	496	518	395
Managing general agent fees	2,007	1,583	1,609
Net investment income	3,819	4,079	3,726
Net realized investment gains	1,072	2,725	6,777
Regulatory assessments recovered	0	109	857
Other income	517	1,632	792
Total revenue	68,647	60,163	60,604
Expenses:
Losses and LAE	30,209	30,896	40,088
Operating and underwriting expenses	9,996	9,916	10,835
Salaries and wages	8,439	8,004	8,611
Policy acquisition costs - amortization	13,255	12,347	13,025
Total expenses	61,899	61,163	72,559
Income (loss) before provision for income tax expense (benefit)	6,748	(1,000)	(11,955)
Provision for income tax expense (benefit)	2,435	(570)	(3,959)
Net income (loss)	$ 4,313	$ (430)	$ (7,996)
Net income (loss) per share - basic (in dollars per share)	$ 0.53	$ (0.05)	$ (1.01)
Net income (loss) per share - diluted (in dollars per share)	$ 0.53	$ (0.05)	$ (1.01)
Weighted average number of common shares outstanding - basic (in shares)	7,951,906	7,946,384	7,946,384
Weighted average number of common shares outstanding - diluted (in shares)	8,016,110	7,946,384	7,946,384
Dividends paid per share (in dollars per share)	$ 0.02	$ 0	$ 0.06