UNPAID LOSSES AND LAE (Details) (USD $)	12 Months Ended
	Dec. 31, 2012 Group Method	Dec. 31, 2011	Dec. 31, 2010
UNPAID LOSSES AND LAE [Abstract]
Unpaid losses and LAE, period start	$ 59,983,000	$ 66,529,000	$ 70,610,000
Less reinsurance recoverables	(2,088,000)	(6,809,000)	(11,594,000)
Unpaid Losses and LAE, net, period start	57,895,000	59,720,000	59,016,000
Incurred related to Unpaid losses and LAE [Abstract]
Current year	31,636,000	31,893,000	37,288,000
Prior years	(1,427,000)	(997,000)	2,800,000
Total incurred losses and LAE	30,209,000	30,896,000	40,088,000
Paid Related To Unpaid Losses And LAE [Abstract]
Current year	15,892,000	13,672,000	15,077,000
Prior years	25,807,000	19,048,000	24,308,000
Total paid	41,699,000	32,720,000	39,385,000
Unpaid Losses and LAE, net, period end	46,405,000	57,895,000	59,720,000
Plus reinsurance recoverables	3,503,000	2,088,000	6,809,000
Unpaid losses and LAE, period end	49,908,000	59,983,000	66,529,000
Statutory loss and LAE reserves, net basis, range low	42,200,000
Statutory loss and LAE reserves, net basis, range high	53,700,000
Statutory loss and LAE reserves	45,400,000
Net loss and LAE reserves carried on a statutory basis	$ 44,700,000
Percentage of loss and loss adjustment expenses reserve (in hundredths)	1.50%
Loss reserves are categorized in number of distinct groups	2
Number of actuarial methods	4