INCOME TAXES (DETAILS 2) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Deferred tax assets
Discounting of loss reserves	$ 59,023	$ 61,534
Unearned premium	39,146	32,355
Operating loss carryforwards	20,316	20,685
Accruals not currently deductible	39,018	25,638
Other investment adjustments and impairments	7,859	8,790
Tax credits	11,886	7,945
Depreciation	2,410	3,858
Other deferred tax assets	2,906	2,185
Deferred tax assets before valulation allowance	182,564	162,990
Valuation allowance	(25,542)	(24,574)
Deferred tax assets net of valuation allowance	157,022	138,416
Deferred tax liabilities
Deferred acquisition costs	(37,226)	(27,211)
Net unrealized gains on investments	(23,200)	(44,137)
Amortization of intangible assets and goodwill	(10,059)	(8,258)
Accrued market discounts	(1,151)	(1,323)
Equalization reserves	(2,080)	(1,957)
Other deferred tax liabilities	(3,048)	(2,736)
Deferred tax liabilities	(76,764)	(85,622)
Net deferred tax assets	$ 80,258	$ 52,794	$ 60,836